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The 5 Best Family Travel Insurance Plans

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

World Nomads Travel Insurance »

AIG Travel Guard »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Family Travel Insurance Plans.

Table of Contents

• Travelex Insurance Services
• Allianz Travel Insurance
• Seven Corners

The best travel insurance plans can provide you with considerable peace of mind, but the real value comes into play when you wind up using your coverage. Hassles like flight delays, lost luggage and unexpected injuries can be stressful and traumatic, yet travel insurance can reimburse you for the financial costs associated with these mishaps.

If you are planning to travel with your entire family in tow, you already know that the stakes are higher and the potential for losses even greater. For example, you'll want to make sure children traveling with you have travel medical insurance as well as coverage for trip cancellations and interruptions.

You'll need to compare the best family travel insurance plans of 2023 if you want to find the right one for you and ensure each of your dependents is covered by your policy. U.S. News has compiled this guide to the best of the best when it comes to companies offering family travel insurance, since these top picks make it easy and affordable to add children to your plan.

• World Nomads Travel Insurance
• AIG Travel Guard

Travel Select plan offers complimentary coverage for children 17 and younger

Primary coverage with no deductibles

Travel Select only includes up to $50,000 in protection for emergency medical expenses (optional upgrade available)

Meager policy limits ($200) for delayed baggage and sporting equipment

• Trip cancellation protection worth up to 100% of prepaid travel expenses (up to $50,000)
• Trip interruption coverage worth up to 150% (up to $75,000)
• Up to $2,000 ($250 per day) in coverage for trip delays
• $750 for missed connections
• $50,000 for emergency medical and dental expenses
• $500,000 in coverage for emergency medical evacuation and repatriation of remains
• $1,000 in insurance for baggage and personal effects

SEE FULL REVIEW »

Single-trip travel insurance plans include free coverage for children ages 17 and younger

Allianz offers annual travel insurance plans for families

Not all plans cover kids for free

Get coverage for up to 10 people in a single policy

Generous policy limits for emergency medical expenses and evacuation

Kids aren't covered for free

Emergency dental coverage is capped at $750

• Trip cancellation coverage worth up to 100% of prepaid trip costs
• Trip interruption coverage up to 150%
• Trip delay coverage up to $2,000 ($250 per day)
• Up to $1,500 in protection for missed tours or cruise connections ($250 per day)
• Up to $500,000 in coverage for emergency medical expenses
• Up to $1 million in protection for emergency evacuation

Includes coverage for up to seven children on a single policy

Provides coverage for more than 200 adventure activities and sports

No free travel coverage for kids with paid adults

No option to customize coverage with CFAR protection

• Up to $100,000 in emergency medical insurance
• $500,000 in coverage for emergency medical evacuation
• $3,000 in insurance for lost baggage and belongings
• $10,000 in insurance for trip cancellation

Free coverage for one child 17 or younger with each paying adult relative on the plan

Choose from three tiers of travel protection based on your needs

Travel medical expense coverage is low ($15,000) with Essential plan

Essential plan also has low limits for baggage delays ($200) and lost or stolen luggage ($750)

• Up to 100% in coverage for trip cancellation
• 150% in coverage for trip interruption
• $1,000 in baggage insurance
• $300 in protection for baggage delays
• $50,000 in insurance for emergency medical expenses
• $500,000 in protection for medical evacuation

Family Travel Insurance: Coverages You'll Need

As you compare the best travel insurance plans for families, you might be wondering which types of coverage are most important. Ultimately, that depends on the cost of your trip, where you're traveling and the travel issues you worry about the most.

Frequent traveler Linda L. Adkins of Spokane, Washington, says she purchases travel insurance for every trip since her U.S.-based health insurance policy doesn't apply when her family travels overseas. She worries not only about emergency medical expenses that could come into play, but also about the high costs of medical evacuation if a family member needs to be transported a long distance or even back to the U.S.

Adkins has also endured scenarios where her luggage was temporarily lost by an airline while traveling internationally, and she says her delayed baggage benefit was useful when it came to purchasing clothing and toiletries. "I spent almost $100 per day for three days in a row while we waited for our bags," she says.

Adkins saved her receipts and received reimbursement through her travel insurance provider's baggage delay benefit.

U.S. News recommends having the following types of coverage (at a minimum) in place for every trip with kids:

• $50,000-plus in primary insurance per traveler for emergency medical expenses
• Coverage for COVID-19
• $100,000-plus in coverage for emergency medical evacuation
• Adequate protection for trip delays and lost or delayed baggage

Frequently Asked Questions

Credit card travel insurance can provide coverage for families, although the types and amounts of protection you receive can be limited. As an example, the Chase Sapphire Reserve credit card comes with trip cancellation coverage for up to $10,000 per person and up to $20,000 per covered trip, as well as lost luggage reimbursement worth up to $3,000 per passenger if the cardholder or an immediate family member has their luggage lost by a common carrier.

Fine print with the card also states that trip delay coverage can apply if common carrier travel gets delayed by more than six hours or requires an overnight stay, and that both the cardholder and their family members can be reimbursed up to $500 per ticket for incidental travel expenses including meals and lodging.

For credit card travel insurance to apply, the cardholder needs to pay for common carrier travel for all of their family members with the credit card in question. In other words, simply carrying a travel credit card with travel insurance benefits won't be enough.

Travel insurance plans are built to cover every person listed on the application for coverage. This means you can apply for travel insurance as an individual or as a family who wants all members covered under a single plan.

That said, some travel insurance plans are superior for families since they offer free coverage for dependents. Others offer comprehensive travel insurance policies that provide broad coverage for groups up to 10 people.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

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Best Travel Insurance for Families of August 2024

Jessica Walrack

Contributor

Jessica is a freelance contributor to Newsweek’s personal finance team. Driven by a passion for crunching numbers, she has written hundreds of articles that help audiences evaluate and understand loan, credit and insurance products. When she’s not writing, you can find her helping other writers build their freelance businesses.

Mariah Ackary

Mariah is a freelance contributor to Newsweek’s personal finance team. After putting herself through college, Mariah became interested in using personal finance to achieve financial freedom—whether that means paying down debt or using credit card points to take a dream vacation. She’s written and edited hundreds of articles about the topic and feels passionately about helping other millennial and Gen Z women live their best lives.

Her work has been featured in The New York Times, The TODAY Show, The Wall Street Journal, Business Insider and many more top media outlets.

Updated August 8, 2024 at 8:52 am

Booking a family vacation can be both exciting and anxiety-inducing. You may worry about mishaps like family members canceling, severe weather hitting, lost bags or illnesses developing while you’re far from home. Enter travel insurance.

Travel insurance helps to protect you against a wide range of “what if” scenarios like these. While problems can still arise, you’ll have a financial safety net that can help you recoup some or all of the associated expenses. But where can you find the best travel insurance for families? After reviewing policies from a lineup of insurers, here are our top picks.

Our research is designed to provide you with a comprehensive understanding of small business services and products that best suit your needs. To help you in the decision-making process, our expert contributors compare common preferences and potential pain points, such as affordability, accessibility and credibility.

• Best Overall: Allianz
• Best for Travel Assistance Services: Generali Global Assistance
• Best for Adventurous Families: World Nomads
• Best for High Medical Coverage Limits: Tin Leg
• Best for High Reimbursement Rates: Nationwide

Best Travel Insurance Providers for Family Trips of 2024

When looking for the best travel insurance for your family, you’ll want to consider a variety of factors such as an insurer’s coverage types, coverage limits, travel assistance services, financial strength ratings and costs. We considered all of these and more to find our top five picks. Here’s a closer look at each of them and why they made the list.

Best Overall

Vault Verified

Why We Chose It

Allianz is a great overall provider of travel insurance for families. It offers five single-trip travel insurance plans and four annual/multi-trip options. Two of the single-trip plans, the OneTrip Premier and OneTrip Prime, include free coverage for kids 17 and under when they’re traveling with a parent or grandparent. Beyond that, Allianz offers a comprehensive lineup of coverage types with competitive coverage limits and pricing. Further, it includes epidemic coverage, which can cover cancellations or interruptions due to someone in your family getting COVID-19.

• Kids are free: Allianz has plans that cover kids 17 and under for free
• A variety of plans: Choose from a lineup of five plans for single trips and four plans for annual coverage
• High cancel for any reason (CFAR) rate: CFAR coverage reimburses 80% of non-refundable trip costs
• Competitive value: The coverage limits and plan costs are competitive
• No AD&D coverage: Single trip plans don’t include accidental death and dismemberment coverage
• Lower medical expense coverage limits: The maximum medical expense limit of $75,000 is lower than some other insurers
• Work-related coverage requires waiver: Work-related cancellations aren’t included automatically

Policy Highlights

Wide range of plans, kids-are-free options, competitive pricing, comprehensive coverage, epidemic coverage

Best for Travel Assistance Services

Generali Global Assistance

Generali Global Assistance offers three travel insurance plans that can suit a wide range of coverage needs. For example, the insurer’s interruption coverage rates range from 125% to 175% while emergency medical and dental coverage limits range from $50,000 to $250,000. Generali also stands out when it comes to travel assistance services. All plans come with access to 24-hour travel support services, telemedicine, concierge services and identity theft resolution services. If anything goes wrong, you’ll have places to turn.

• Travel support: Includes 24-hour travel support services, telemedicine, concierge services, identity theft resolutions and no out-of-pocket medical expenses
• High limits on trip interruptions: Interrupted trips are covered at rates ranging from 125% to 175% of a trip’s cost
• Varied coverage types: Coverage includes delayed or lost sporting equipment, missed connections, COVID-19 infections, accidental death and dismemberment and more
• Limited pre-existing condition coverage: Coverage for pre-existing conditions is only available on the top tier plan when it’s purchased within 24 hours of a trip’s final payment
• Limited CFAR coverage: CFAR coverage is only available on the top tier plan and only reimburses you for 60% of the trip’s cost
• Limited financial insolvency coverage: Financial insolvency coverage isn’t included in the Standard plan

Comprehensive travel support, good trip coverage rates, competitive coverage limits, various coverage types

Best for Adventurous Families

World Nomads

World Nomads offers competitively-priced travel insurance geared toward active and adventurous travelers. The policies include all of the typical coverages for cancellations, interruptions, baggage and medical emergencies. However, they also cover injuries that result from more than 200 risky activities like surfing, skiing or skydiving. If your family plans on an adventure-filled vacation, this is a top policy to consider.

• Coverage for adventure sports and activities: The plans cover more than 200 different sports and activities, including skydiving and bungee jumping
• High baggage coverage limits: Up to $3,000 in lost baggage is covered per person and up to $1,500 per item
• Competitive pricing: Sample coverage quotes are on the lower end compared to other insurers we researched
• Good coverage for medical emergencies: Medical emergency expense coverage is $100,000 on both plans, and medical evacuation coverage ranges from $300,000 to $500,000
• No pre-existing medical conditions: Pre-existing medical conditions aren’t covered
• Low max coverage limits: The cancellation and interruption maximum coverage limits are lower than many competitors
• Limited rental car coverage: Rental car coverage is only available on the higher-tier plan

Over 200 adventurous activities are covered, competitive pricing, decent emergency medical expense limits, high baggage coverage limits

Best for High Coverage Limits

Tin Leg offers one of the largest selections of travel insurance plans of all the insurers we reviewed. You’ll find eight different plans and a wide range of coverage limits. If you’re looking for a high level of medical coverage, Tin Leg offers plans with emergency medical evacuation coverage up to $1 million per person and emergency medical coverage up to $500,000 per person. The company also doesn’t list maximum dollar limits on cancellation or interruption coverage, which can be helpful if your vacation costs exceed the limits set by other insurers.

• High medical emergency coverage limits: Coverage limits go up to $500,000 on emergency medical expenses and $1 million on medical evacuations
• No dollar limits on cancellations: Trip cancellations and interruptions are covered up to 100% and 150% of a trip’s cost, respectively, without maximum limits
• Pre-existing condition coverage: Pre-existing conditions are covered on most plans if you purchase your coverage within 15 days of paying a deposit on your trip
• High costs: If you opt for one of the high-coverage policies, it will be relatively expensive
• Limited rental car coverage: Rental car coverage is only an option on one policy
• Limited AD&D coverage: Accidental death and dismemberment coverage isn’t included in all plans

Wide selection of plans, high coverage amounts, coverage of pre-existing conditions included on most plans

Best for High Reimbursement Rates

Nationwide offers two single-trip insurance plans. One of them, the Prime plan, features an unusually high trip interruption reimbursement rate. If your trip gets interrupted due to a covered cause, you can get reimbursed for up to 200% of your non-refundable tour costs up to a maximum of $60,000. Most other insurers offer somewhere between 100% and 175%. Aside from that, the policies feature comprehensive coverage and competitive pricing. Additionally, if you’re interested in a cruise, there are three travel insurance plans available specifically for cruisers.

• High reimbursement rates: In the event of a trip interruption, you can get up to 200% of your trip cost reimbursed (up to $60,000)
• High medical coverage limits: Emergency medical coverage is on the higher end, with expense limits of up to $150,000 per person and medical evacuation up to $1 million per person
• Pre-existing condition waiver: Pre-existing conditions are included on the Prime plan if you purchase the policy within 21 days of making your initial trip payment
• Costs are average: The policy costs aren’t the cheapest or the most expensive
• Limited AD&D coverage: Accidental death and dismemberment coverage isn’t included on the lower plan but can be added for an additional cost
• Maximum coverage limits apply: The reimbursement rates are higher than some competitors, but maximum limits apply on the dollar amount that’s covered

High reimbursement rates, high medical coverage rates, pre-existing condition coverage, dedicated plans for cruisers

How Is Travel Insurance for Families Different?

In many cases, insurers don’t offer dedicated travel insurance plans for families. Instead, there are simply a lineup of plans that you can either get alone or with other people. If you add family members, each person typically gets the same amount of coverage for benefits such as lost baggage, delayed baggage, emergency medical expenses and medical evacuation. Additionally, the policy covers the overall trip cost for all of the included family members.

Pros and Cons of Travel Insurance for Families:

• Protect yourself against the risk of losing money if a family vacation gets canceled, delayed or interrupted
• Protect yourself against high out-of-pocket medical costs that result from unexpected accidents or illnesses during trips
• Get a set amount of coverage for each family member
• Get free coverage for kids in some cases
• Getting coverage for multiple people in a family may result in higher policy costs
• Insurers may not allow the number of people you have in your household on one policy
• You may not end up using the coverage

What Does Travel Insurance for Families Cover and Not Cover?

Travel insurance helps to protect against a variety of costs you can incur when planning and attending a family vacation. Here’s a closer look at what’s usually covered and what’s not.

What Does Travel Insurance Cover?

Coverage varies by plan and insurer, but travel insurance policies generally cover the following expenses (up to a plan’s coverage limits):

• Cancellations and interruptions: Prepaid, non-refundable travel expenses if your trip gets canceled or interrupted for a covered reason (flights, hotels, Airbnbs, etc.)
• Delays: The costs you incur if you experience a trip delay (airport food, hotel stays)
• Lost or late baggage: The cost of replacing personal items when your baggage is late or lost
• Emergency medical care: The cost of emergency medical expenses if you or a family member needs medical attention during your trip
• Emergency medical evacuation: The cost of emergency evacuation and repatriation of remains in a worst-case scenario
• Accidental death or dismemberment: The costs you or your family incur in the event of an accidental death or dismemberment
• Missed flight connections: The costs you incur if you miss a connecting flight
• Rental car collision: The costs that result if you get into a collision in a rental car
• Lost or delayed sporting equipment: The cost of replacing your sporting equipment if its delivery is delayed

As for the situations that are covered, unforeseen circumstances often include:

• Health issues: A certified physician advising against the trip due to an illness or accidental injury
• Family emergency at home: A non-traveling family member passing away or experiencing a serious illness or accidental injury
• Host emergency: The host at the destination getting hospitalized or passing away
• Employment problems: Getting laid off or fired from your full-time job during your trip due to no fault of your own or getting transferred and needing to relocate
• Military duty: Receiving a reassignment during the trip or having your leave revoked
• Natural disasters and weather: A natural disaster or unforeseen weather conditions making the trip impossible either due to travel restrictions or the accommodations becoming uninhabitable
• Traffic accident: Getting into a traffic accident on the way to your departure
• Terrorism: Terrorism incidents occurring at a city listed on your travel itinerary shortly ahead of your trip
• Other incidents: Various other incidents such as getting called into jury duty, having your home burglarized or being the victim of a felonious assault

Note that this isn’t an exhaustive list, and insurers won’t necessarily cover all of these items.

What Does Family Travel Insurance Not Cover?

Now that you know what family travel insurance generally covers, here are some examples of what it may not:

• Medical needs that stem from pre-existing medical conditions, when a waiver isn’t present
• Medical needs that result from dangerous activities like skydiving, with few exceptions
• Baggage stolen due to negligence (e.g. leaving bags unattended)
• Accidents that happen while the policyholder is under the influence of drugs or alcohol
• Routine dental or medical care
• Complications with pregnancy or childbirth
• Travel expenses if you plan to travel to an area where you know there’s an issue such as an epidemic, pandemic or natural disaster and then cancel out of fear

Does Standard Travel Insurance Include Family Members?

Standard travel insurance policies generally don’t include family members. Instead, policies cover you and any individuals you manually add. While some insurers offer plans that include free coverage for kids or a certain number of travel companions, it’s best to assume coverage is just for you until a plan’s description says otherwise.

When and Why Would You Need Travel Insurance for Families?

When you plan to travel with your family, the stakes are higher than when you travel alone. Not only does traveling in a group require a larger investment, but there’s a higher risk that something could go wrong. Here are a few examples of situations where travel insurance is helpful:

• You get sick or hurt and can’t go on a family trip. If you get sick or hurt and your doctor advises against going on an upcoming family trip, travel insurance can help you recover the costs of canceling. You can get your investment back and rebook another family trip once your doctor gives you the green light.
• A family member gets sick or hurt and can’t go on a family trip. Likewise, if one of the family members going on the trip gets hurt or sick and needs to cancel, travel insurance can help to reimburse you for their trip costs. You don’t have to worry about losing money due to unforeseen health problems that affect anyone in your family.
• A natural disaster or storm impacts your destination. If an unforeseen storm or natural disaster like a hurricane makes your destination uninhabitable or transportation unavailable, travel insurance can help to cover the lost costs. You can then rebook the trip once the problematic weather has passed.
• Your family’s baggage gets lost while traveling. Lost baggage can be a huge headache, especially when it impacts more than one person in your group. Family travel insurance often includes coverage for lost or delayed baggage up to a certain limit per person.
• You or a family member gets hurt or sick on the trip. Travel insurance policies have emergency medical and dental care coverage that can help if someone, for example, breaks an arm or knocks out a tooth while on the trip. You won’t have to worry about paying for surprise emergency medical care out of pocket.
• Your credit card doesn’t have sufficient travel insurance. Many of the best travel credit cards offer the same travel insurance benefits you find with independent companies (minus medical and dental coverage). If you already have one of these cards, you might not need to purchase travel insurance. Keep in mind, though, that the cards that offer those perks typically have steep annual fees— travel credit cards with no annual fees typically don’t offer substantial travel insurance.

How To Choose the Best Travel Insurance for Families

As you shop around for travel insurance, you’ll find no shortage of options. Here are five main factors to consider to help you decide which is best for you.

Coverage Limits

Coverage limits are always important but even more so when you’re planning a family vacation. A higher number of people traveling means higher costs for flights, hotels and anything else on the agenda. Before reviewing policies, figure out the total trip cost you want to cover and then look for insurers with high enough coverage limits for cancellations and interruptions. It’s also a good idea to ensure the limits are sufficient on other benefits like lost baggage and emergency medical expenses.

Coverage Types

Along with coverage amounts, pay attention to the types of coverage an insurer offers. While many have the same core coverage types, you’ll find that most also have a few unique offerings. For example, you may be able to get rental car insurance, coverage for adventure sports, free coverage for kids or coverage for pre-existing medical conditions.

Travel insurance policies typically charge a one-time, upfront fee for coverage. You can request quotes online from providers within a few minutes. Most have several plans to choose from, so you can compare the included benefits, coverage limits and costs to figure out which is best for your situation.

Travel Assistance Services

Many insurers offer travel assistance services for policyholders in some capacity, which can be helpful both before and during your trip. For example, they may include 24-hour support services, concierge services, money-back guarantees, identity theft resolution services and telemedicine.

Financial Strength of Insurers

When you buy an insurance policy, you’re trusting that the insurer has the means to pay out benefits if you ever need to file a claim. To better your odds, you should check the Financial Strength Ratings (FSRs) of insurers with AM Best—a large, reputable credit rating agency that specializes in the insurance industry.

Frequently Asked Questions

Will travel insurance cover cancellation due to family illness.

Travel insurance typically covers trip cancellations that result from an illness in your family, whether the person is traveling with you or not. However, insurers may require the illness to meet certain severity requirements, such as being deemed life-threatening by a physician or causing hospitalization.

Can You Travel Separately on a Family Travel Insurance Policy?

Whether or not you can travel separately on a travel insurance policy depends on your insurer and the type of insurance plan you have. For example, single trip policies are designed to cover a single trip the policyholders take together while annual travel insurance policies can cover policyholders traveling separately on different trips. If you have any itinerary splits, it’s a good idea to check with your insurer to find out if they’re covered.

Who Is Considered a Family Member for Travel Insurance?

The way insurers define family members can vary, so it’s best to double-check the policies you’re considering. Generally, travel insurance companies define the following people as family members:

• Stepparents
• Legal guardians
• Legal wards
• Stepchildren
• Step siblings
• Grandparents
• Grandchildren
• Aunts, uncles, nieces and nephews

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post. We may earn a commission from partner links on Newsweek, but commissions do not affect our editors’ opinions or evaluations.

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11 Best Travel Insurance Companies in August 2024

Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

If you don't have sufficient travel insurance coverage via your credit card , you can supplement your policies with third-party plans.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers.

Top credit cards with travel insurance

Methodology

Best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at nearly all plan levels. 

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

» Jump to the best cards with travel insurance

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Offers direct billing.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Wells Fargo Autograph℠ Card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

IHG One Rewards Premier Credit Card

Earn 5 free nights at an IHG property after $4k in spend (each night valued at up to 60k points).

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The Best Family Travel Insurance Plans of 2024

with our partner, Faye

Alex Carver is a writer and researcher based in Charlotte, N.C. A contributor to major news websites such as Automoblog and USA Today, she’s written content in sectors such as insurance, warranties, shipping, real estate and more.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Here’s a breakdown of how we reviewed and rated the best travel insurance companies

If you are traveling as a family, you can protect your international vacation with travel insurance. Travel insurance helps you recover nonrefundable expenses such as airfare, hotel reservations and excursions if you’re forced to cancel your trip or leave early due to an emergency. Travel insurance can also help your family cover the cost of lost baggage and emergency medical expenses.

According to our research on costs and coverage,  Travelex, Berkshire Hathaway and Nationwide are the top three family travel insurance options.

Compare the Best Travel Insurance for Families

Ready to start comparing travel insurance providers for families? The following are our top choices for travel insurance coverage for families.

How We Ranked Family Travel Insurance Companies

To determine the best travel insurance providers for families, we looked at the following characteristics of each insurance provider.

• Complementary children’s coverage: Select travel insurance providers offer complementary coverage for children with the purchase of an adult policy. We rated these providers highly in our review as many families will include children in travel plans.
• Cost: Next, we compared the cost of coverage for family-oriented policy choices offered by each provider. Companies with more affordable policies for a variety of traveler ages scored higher than those with more expensive plans.
• Coverage options: Travel insurance providers with more policy and add-on choices offer customers higher levels of customization. We ranked these providers above those with more limited plan offerings.
• Types of coverage: Insurance providers with multiple types of coverage included in each plan scored higher than those with more limited benefits. For example, we considered baggage benefits , travel delay compensation, medical evacuation coverage and more.
• Reimbursement limits: We prioritized recommending companies with higher maximum reimbursement limits for major policy components like trip interruption coverage and lost bags.

Top 6 Travel Insurance Plans for Families

Below is our list of the best travel insurance companies for all-inclusive resort vacations:

• Travelex : Our pick for families
• Berkshire Hathaway:   Best for luxury travelers
• Nationwide Travel Insurance:   Best for baggage coverage
• Generali Global Assistance:   Best for trip interruption coverage
• Allianz Global Assistance:   Best for concierge services
• AXA Assistance USA:   Best for leisure travelers

Why We Picked Travelex for Families

Travelex is our top-rated choice for family travel insurance thanks to its all-inclusive Travel Select policies. Travel Select plans include coverage for one child under the age of 17 with the purchase of an adult travel insurance policy. You could save up to 50% on coverage by purchasing a plan with Travelex if you have an equal number of children and adults traveling together.

If your family will be traveling as a group of adults, consider Travelex’s Travel Basic policy option, which is available from $60 for low-cost trips. This policy includes a host of general coverages competitive with other travel insurance providers, ranging from up to $15,000 in emergency medical coverage, $150,000 in emergency evacuation coverage and $500 in trip delay benefits. This can be a viable budget option for families looking for affordable individual protections.

Pros and Cons

Add-on options.

If you want to expand the coverage of your travel insurance plan, Travelex has the following upgrades:

• Additional medical coverage
• CFAR (cancel for any reason)
• Car rental collision
• Adventure sports cover
• Flight accidental death and dismemberment

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay $200  for a Travelex plan.

Berkshire Hathaway Travel Protection

Why We Picked Berkshire Hathaway

If your family is traveling together, you could have a higher-value vacation that you need to insure. While most insurance providers place caps on the total trip cost they will reimburse, Berkshire Hathaway offers luxury coverage with higher-than-average limits. With the Berkshire Hathaway LuxuryCare plan, you can protect each traveler with up to $100,000 in individual cancellation protection — ideal for high-value international travel.

Berkshire Hathaway’s policies are a bit more expensive than competitors, which means premiums for families will be higher as well. However, its plans are also more inclusive, with up to $1 million in medical evacuation coverage and up to $2,000 for trip delay expenses. Berkshire Hathaway also offers unique plans for adventure travelers and cruise-goers, with specific coverages outfitted to your planned excursions.

Berkshire Hathaway’s LuxuryCare plan covers most travel expenses, such as in a medical emergency. Add-ons are available, but this level of coverage is comprehensive for international travel for families.

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay  $168 for a Berkshire plan.

Generali Global Assistance

Why We Picked Generali Global Assistance

If you plan to visit an international destination with young children and you want to add another layer of safety, consider a travel insurance policy from Generali.

Generali Global Assistance is our top choice for international travel assistance, as all of its plans include 24/7 multilingual travel assistance that can help you while abroad. This can be a major benefit if you’re traveling to an area where you do not speak the primary language spoken, especially with young children. We also suggest considering Generali’s plans if you are looking for extra assistance planning your family’s trip, as all plans come with complimentary concierge pre-trip assistance.

• Rental car damage on standard insurance plan, up to $25,000 per person per plan
• Trip cancellation for any reason on premium travel insurance plan

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay $359 for a Generali plan.

Allianz Global Assistance

Why We Picked Allianz Global Assistance

Allianz is another top selection for families looking for free children’s coverage with adult travel insurance. The company’s OneTrip Prime policy option includes free coverage for children under the age of 17. However, you must purchase adult coverage and plan to travel with the child. Like Travelex’s family coverage, this could potentially save up to 50% on insurance costs for family vacations.

The OneTrip Prime policy is one of Allianz’s most comprehensive and inclusive options, with up to $100,000 in trip interruption coverage, $50,000 in emergency medical protections and $1,000 for lost baggage. This policy also includes a few unique inclusions, including up to $500 in last-minute travel itinerary changes.

The following add-on options come with Allianz Global Assistance:

• Winter sports and ski insurance
• Cancel anytime upgrade

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay  $250 for a Allianz plan.

To learn more: Allianz Global Assistance travel insurance review

AXA Assistance USA

Why We Picked AXA Assistance

If you are planning to travel with your family to a remote area or partake in outdoor activities, consider AXA’s travel insurance policies. In the event of a medical evacuation or illness, AXA will arrange complimentary return transportation for a travel companion or unattended minor. In the event of a sudden medical emergency that leaves a minor unattended, AXA will arrange an escort to accompany the child and ensure their safe return home. This can be a major benefit and offer peace of mind if you’re a parent traveling alone with a minor child.

• CFAR coverage available on the platinum plan
• Collision damage waiver available on gold and platinum plans

Based on quotes we obtained, a family of four going on a week-long, $8,000 vacation to Mexico should expect to pay $276 for a AXA plan.

What Does Travel Insurance Cover?

Travel insurance policies often offer a range of coverage options for families traveling together, coverage can range from the basic needs to medical coverage abroad, and canceling for any reason. When traveling with a family, and incurring higher prices than individual travelers, travel insurance is worth the price . These include the following:

Trip Cancellation or Interruption Coverage

Trip cancellation coverage refers to circumstances that may force you to cancel a vacation before departure. Trip interruption coverage applies when you may have to cut your vacation short because of unforeseen circumstances. Most insurance policies cover you in both cases, however there are limitations in the included trip cancellation coverage for what’s included. Many insurance companies offer CFAR(cancel for any reason) coverage for insurance buyers that want peace of mind no matter the reason for canceling.

According to the participants in our study over the age of 54, 60% purchased CFAR coverage, and 19% purchased Interruption for any reason (IFAR) coverage.

Medical Coverage

Medical coverage reimburses you for medical costs should you have to pay for a medical emergency or need medical attention. Reimbursable events can include basic health care treatment, ambulance fees or repatriation costs in the event of a death. The maximum limit of coverage varies among insurance policies.

Baggage Loss, Delay and Damage Coverage

Most insurance policies give coverage if your luggage is delayed, lost or stolen on your family vacation (as long as the event isn’t your fault or is out of your control). The maximum coverage you can receive depends on the travel insurance policy.

If possessions within your baggage are particularly expensive or if together they add up to a high dollar amount, you may want your family insurance policy to have a larger coverage limit for baggage. You can also take out single-item coverage for something specific if it’s that valuable.

Does Standard Travel Insurance Cover Family Members?

Standard travel insurance policies cover you and your family members. The difference between standard travel insurance and family insurance is that family insurance typically covers families of two adults with at least one and up to eight children under 18.

With family travel insurance, you are offered peace of mind that your insurance policy has been crafted with families in mind to cover your needs.

Common Add-Ons

Common add-ons for travelers and families can include:

• Winter sports coverage: For those hoping to ski or snowboard and partake in winter sports activities
• Cruise coverage: For groups who will be venturing on cruises during their vacation
• Cancel for any reason (CFAR) coverage: A financial backstop if you  must cancel your vacation outside of the policy guidelines

How Much Does Travel Insurance for Families Cost?

The cost of travel insurance for families will depend on the number of family members, the location of the trip, the trip duration, and the total cost. The table below compares costs for basic coverage for a family of four going on a week-long $8,000 vacation to Mexico:

Is Family Travel Insurance Worth It?

Family travel insurance is necessary if you invest a lot of money for a grand family vacation. Knowing that you have comprehensive cover for every member of your party makes it more convenient for travels when you want protection from a range of eventualities.

With a range of family travel insurance policies available, families have ample choices to find a policy that matches their trip, coverage needs and budget.

Frequently Asked Questions

Can you travel separately on family travel insurance.

Some family policies let you travel separately, but you should check with your insurance provider and your policy terms to see if you’re covered.

Is it better to buy travel insurance as a group or individual?

Buying family and group travel insurance is much more convenient and easier to insure everyone on a trip. Group coverage is also likely to be less expensive than purchasing individual policies for every group member. Children sometimes get included for free in family policies.

Does credit card travel insurance cover a family?

You may have insurance to cover your whole family from the credit card you use to book your trip. This is something that varies by bank. You’ll need to talk to your credit card issuer to ask about travel coverage.

Methodology: Our System for Rating Travel Insurance Companies for Families

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Guides

• Best covid travel insurance companies
• Best cruise insurance plans
• Best travel insurance companies
• Cheapest travel insurance
• Best group travel insurance companies
• Health insurance for visitors to usa
• Best senior travel insurance
• Best student travel insurance plans
• Travel insurance for parents visiting USA
• Best travel medical insurance plans
• How much does travel insurance cost?

If you have feedback or questions about this article, please email the MarketWatch Guides team at editors@marketwatchguides. com .

MarketWatch Guides may receive compensation from companies that appear on this page.
The compensation may impact how, where and in what order products appear, but it does not influence the recommendations the editorial team provides. Not all companies, products, or offers were reviewed.

Best Family Travel Insurance – Plans & Cost

Home | Travel | Best Family Travel Insurance – Plans & Cost

Traveling as a family can be fun but also nerve-wracking, so the best way to minimize stress is by having family travel insurance . That way, you know everyone in the family will be covered if anything goes wrong.

Jetlag, changes in normal schedules, and different food than usual can all make kids (and parents!) more prone to getting sick, which is why having a family travel insurance plan is key. Some plans will automatically include children under 17 for free in your coverage . Others require you to add each family member individually, so make sure you double-check the fine print.

Best family travel insurance – plans & cost

If you plan on taking multiple trips as a family throughout the year, annual family travel insurance is a great way to get coverage and save money. Otherwise, single-trip family travel insurance should give you everything you need.

Keep reading to find out what the best travel insurance for a family is and compare family travel insurance quotes . Let’s get into it!

Best travel insurance for a family

To sum it up, these are the best family travel insurance companies :

• Travelex , the best affordable travel insurance for a family
• World Trips , the best family travel insurance for high coverage
• Allianz , a good family travel health insurance
• AIG Travel Guard , one of the travel insurance plans that include children for free

What is family travel insurance?

Family travel insurance is exactly what it sounds like: a travel insurance plan that covers family members, including children, who are traveling together. In fact, a family travel insurance plan is the cheapest and easiest way for parents and kids to all get coverage since you’re paying a single price instead of shelling out for separate plans for each person.

As with most other travel insurance policies, travel insurance plans for families include medical coverage, trip cancellation/interruption/delay coverage, baggage loss coverage, and COVID-19 coverage.

The cheapest travel insurance for family is usually family travel health insurance , which offers an excellent amount of medical coverage but often only provides limited, if any, trip coverage. As such, it’s a great idea to sort out your priorities (do you need baggage loss coverage or is just emergency medical coverage enough?) before you purchase a family travel insurance policy .

How much is family travel insurance?

The cost of travel insurance for families depends on the ages of people being covered, your travel destination, and your home country/state. The length and cost of your trip will also factor into the price of your travel insurance family plan .

I have used the example of a 5-person family (two 40-year-old parents and children aged 10, 8, and 5) who live in Pennsylvania and need travel insurance for Europe to generate quotes. The family is going to Spain for a week and their trip costs $5,000.

*price used for example

1. Travelex , the best affordable travel insurance for a family

If you need the cheapest travel insurance for the family , look no further than Travelex . Their Travel Select plan is the most affordable travel insurance plan for families of all the ones I compared since children ages 1 to 17 are included at no additional premium if traveling with one paying adult. Even better, the plan offers a good amount of coverage in all categories.

Features of this family international travel insurance include a $0 deductible for medical expenses and coverage for newborns. You’ll even enjoy coverage for sports equipment delays, so it’s the perfect family travel insurance for ski or surf trips.

If you need a higher amount of coverage, particularly for medical expenses, World Trips is a better option. Otherwise, you can’t go wrong with travel insurance for families from Travelex.

2. World Trips , the best family travel insurance for high coverage

As you can see in the comparison chart above, World Trips comes out on top as the best travel insurance for families in terms of medical coverage. The Atlas Journey Preferred plan offers the highest amount of coverage in all categories, as well as COVID-19 coverage and newborn coverage.

Even better, this family travel insurance plan offers a $0 deductible for medical expenses, which means 100% of medical expenses incurred will be covered by insurance. You can even choose to add Cancel for Any Reason insurance if you want coverage for just about any mishap.

One drawback is that this is the most expensive travel insurance family plan . If you want a better coverage-to-price ratio, Travelex is a great family holiday insurance to consider.

3. Allianz , a good family travel health insurance

Allianz is a great option if you’re looking for family travel health insurance. The OneTrip Prime plan’s medical-related coverage is quite high and includes COVID-19 coverage and a $0 deductible for medical expenses. Besides children aged 17 and under are covered for free when traveling with a parent or grandparent.

Because this family travel insurance plan has rather low trip cancellation and trip interruption coverage, this plan is best suited for families who just need travel medical insurance and aren’t worried about trip-related coverage.

Also, keep in mind that this plan doesn’t offer coverage for newborns or children under a year old. If you’re a new parent, you’ll want to go with World Trips or Travelex instead.

4. AIG Travel Guard , one of the travel insurance plans that include children for free

Another great family group travel insurance is AIG Travel Guard . Their Essential plan offers a fair amount of coverage in most categories for a pretty affordable price. You’ll also benefit from a $0 deductible for medical expenses and coverage for newborns. Besides, their plans include free coverage for one child aged 17 and under , who is traveling with and related to the primary adult listed on the policy.

This family travel insurance plan even includes perks like concierge services and luggage tracking if you’re looking for an extra level of security. Unfortunately, however, AIG’s family travel insurance policy offers the lowest amount of emergency medical expense and baggage loss coverage out of all the plans I compared.

For this reason, AIG’s travel insurance for families is best suited for those who don’t need much medical or baggage loss coverage.

What is the best family travel insurance?

By now, you’ll know that the best family travel insurance overall is Travelex . Their coverage is great and it’s the most affordable travel insurance for families .

If you prefer to have higher coverage and don’t mind the price, World Trips is the family travel insurance plan to consider. You’ll get the highest amount of coverage in all categories so you can feel secure while you travel the world as a family.

What kind of travel insurance do families need?

Finally, here are the most important things to consider when shopping around for a family travel insurance plan .

Medical travel insurance for unexpected illness or injury

The best family travel insurance will include coverage for medical expenses that result from an emergency like an injury or illness. This is the most important aspect of insurance since it means you can avoid overwhelming medical bills when you finally get back home. Of course, be certain that you and your traveling family members are covered under this benefit.

Trip cancellation insurance for family trips

Trip cancellation is another thing to consider when purchasing a travel insurance plan for families . Trip cancellation is a lifesaver for things like unexpected illness, political strife, or natural disasters, reimbursing you for certain travel expenses in case you need to cancel your plans.

However, not everything is covered under a cancellation trip policy. If you want to be able to get a refund in any case, you can consider checking if the company offers Cancel For Any Reason (CFAR) insurance as an add-on.

Trip interruption insurance for going home early

Similarly, trip interruption will cover you and your children if the trip needs to be called off prematurely. For example, if you or anyone who’s traveling with you gets sick or injured unexpectedly and you need to return home early, you’ll be covered. This can also cover trip interruption for scenarios such as the death of a family member back home.

Some policies also cover work-related issues that interrupt your trip, reimbursing you for pre-paid travel expenses such as hotels and flights.

Baggage coverage for a family vacation

Lost, delayed, or damaged baggage can be a huge headache. Make sure your family travel insurance policy includes protection for you and traveling family members so you all can cover the costs of new clothes, personal care products, and toiletries.

Return of minor children

Lastly, return of minor children is something that is very specific to international travel insurance for families . If you fall ill and must stay in the hospital, your policy should cover the costs for your minor children (17 and under) to go back to your home country.

Be sure to check with your insurance provider since some companies require you to be hospitalized for a certain period of time (such as more than a week). Also, most companies will cover the costs for an attendant to accompany minor children as they return home.

I hope that you have a great time traveling with your family and that having family travel insurance makes planning a little easier. If you’ll be doing a road trip through the US, be sure to look into family travel insurance for the USA – domestic travel insurance works a little differently from international travel insurance.

Happy traveling!

Ascen Aynat

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‹ Traveler Types

Family Travel Insurance Plans

Understand the importance of family travel insurance plans for your next vacation and make sure you’re covered with the right Travel Guard® plan.

Traveling with your family is an amazing way to create lasting memories. While a travel insurance plan is important for any trip, it can be especially helpful when you’re traveling with kids or extended family members like grandma and grandpa. Coordinating schedules to plan your family vacation is hard enough, let a Travel Guard travel insurance plan help protect your travel investment so you can focus on the fun.

Ready to book your family travel?

Travel Guard’s award-winning travel insurance plans provide excellent coverage options and access to 24-hour emergency travel assistance. Compare our travel insurance plans to find the best option for your family travel. Get travel insurance the way you want it!

What is a family travel insurance plan?

Family travel insurance plans offer the coverage and benefit limits you need for all of your family members. Every family is unique, and there’s no one-size-fits-all travel insurance plan for every family. That’s why Travel Guard travel insurance plans offer customizable options so you can build the plan that works best for your family. 

What does a family travel insurance plan cover?

Look for a plan that has the coverage and benefit limits your family needs. Popular plan features include: 

• Medical expense coverage
• Pre-existing medical condition exclusion waiver – great if you’re traveling with grandparents or family members who may have health conditions (if purchased within 15 days of initial trip deposit)
• Trip cancellation/interruption coverage
• Missed flight connection assistance
• Baggage coverage
• Car rental coverage (optional add-on coverage)
• Cancel For Any Reason (optional add-on coverage available with certain plans)
• Pet bundle – traveling with your furry family members, make sure they have coverage too (optional add-on coverage available with certain plans)
• Emergency travel assistance – specialized representatives are available 24/7 to help

Do I need a family travel insurance plan?

For any trip, it’s smart to protect your travel investment, but when you’re traveling with your family it can be even more important. Traveling with multiple family members can mean increased flight and hotel costs as well as more opportunities for the unexpected to arise. All of Travel Guard’s travel insurance plans come with access to our specially trained representatives for 24/7 emergency travel assistance . Our staff can help with anything from rebooking missed flights to finding quality medical care while you’re traveling – so you can focus on family. We know you have enough to worry about when traveling with family, let Travel Guard help with the unexpected. 

Which Travel Guard travel insurance plan is best for my family trip?

Travel Guard’s Preferred Plan is a great option for families traveling together. With the most optional add-on coverages available, our Preferred Plan is customizable to fit your exact needs. If you’re traveling with grandparents or family members with health conditions, you might want to look at our Deluxe Plan , which offers the highest medical expense benefit limits.

Are kids included on Travel Guard travel insurance plans?

Travel Guard’s Deluxe , Preferred and Essential plans all include family coverage. One child who is age 17  or under, and is booked to travel with (and is related to) the primary adult named on the policy, is included in the rates for each paying adult.  Note that this does not apply to optional coverages, and the child’s trip cost must be equal to or less than the adult traveler(s) trip cost. 

Do family travel insurance plans cover individuals?

Your family travel insurance plan will cover any of the individuals on your policy. Benefit limits are listed at the maximum limit per insured. For example, if the plan lists $50,000 in medical expense coverage on your schedule of benefits, you will have up to $50,000 in coverage for each individual covered under the policy. 

Why book your family travel insurance plan through Travel Guard?

Travel Guard is one of the world’s leading travel insurance providers with a network of service centers located in Asia, Europe and the Americas, ensuring the highest quality emergency travel services and medical assistance while you’re traveling. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your family. 

Get travel insurance the way you want it!

Reviews and testimonials.

“I travel often, for business and pleasure. I will never travel again without travel insurance.”

Last year I traveled with my daughter, who is an athlete who competes in tournaments worldwide.  I had not purchased travel insurance, and she was injured, requiring a hospital visit.  It was a nightmare when we returned, and I tried to get reimbursed through her health care provider for an out-of-network, out-of-country, hospital visit.  This year, I purchased travel insurance for us both through Travel Guard – but for me it was just an after-thought – it never occurred to me that I would need it.  Just three days into a 10-day trip to London, I received news that my father was placed in hospice and had little time to live.  I immediately made arrangements to return to the U.S. with the assistance of my agent, who was great at finding me a flight and making all the arrangements for my return.  The claim process was very easy for that emergency travel.  I travel often, for business and pleasure.  I will never travel again without travel insurance.  It really gives you peace of mind that you can return, if necessary, without any hassle or delay

- Elizabeth, GA.

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Coverage available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, travelguard.com . CA DOI toll free number: 800-927-HELP . This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.

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Family Travel Insurance

Make lifelong memories with your loved ones in exciting new places.

Wherever your family adventure takes you, make sure you pack the right travel cover.

Holidaymakers can understandably get confused as to whether they need family cover or whether they'd be better off with an individual policy for each person travelling.

As always, the right option depends on several factors, such as:

• The size of your group
• Who's travelling with you
• If anyone has a pre-existing condition

It's worth taking some time to read up on and compare cover to make sure you get the best family travel insurance for your needs.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

We provide cover for some costs related to Covid-19: please see Section 1 'emergency medical costs and repatriation' and Section 2 'cancelling or cutting short your trip' in your policy book for full details on what's covered.

We'll cover you if:

• you were diagnosed with Covid-19 before your trip was due to start
• a close relative died or became seriously ill as a result of Covid-19 before your trip was due to start
• you weren't allowed to board your pre-booked outbound travel due to symptoms of Covid-19
• an insured person or a close relative died during the trip because of Covid-19
• you couldn't take part in an excursion due to you self-isolating after getting Covid-19

What we don’t cover

You won't be covered if:

• you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip
• any government or public authority imposes travel restrictions or quarantine on a community, location, or vessel because of Covid-19 (this includes, but is not limited to, local lockdowns, entry requirements, being denied entry and airspace closures)
• you have to quarantine after arriving in the UK or abroad
• the Foreign Commonwealth & Development Office (FCDO) change their advice to avoid ‘all travel’ or ‘all but essential travel’ to your destination because of Covid-19

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page . And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What is Family Travel Insurance?

A family travel policy covers people from the same family who live at the same address, such as:

• Step-parents
• Grandparents
• Aunts and uncles

You can have up to a maximum of two adults and five children on a family policy. You don’t need to have the same surname, but the adults need to live at the same address to be on the same policy (the children don't have to live with the adults to be on the same policy).

Admiral's Family Travel Insurance is available as single trip travel insurance , which covers you for one trip away from home for up to 365 days, or, if your family goes on several holidays a year, annual travel insurance .

Kids travel insurance

Separate children's holiday insurance isn't needed for any family member under the age of 24 as they can be added to an Admiral Family Travel Insurance policy. Anyone over the age of 24 will need to take out individual policies.

We offer three tiers of cover with increasing coverage and product benefits:

• Admiral Gold
• Admiral Platinum

Read the full list of benefits in the policy summary booklet .

Do I need a Family Travel Insurance policy?

Family holiday insurance is a really good idea to make sure everyone in your group is covered. We pay out if you need to cancel your trip for one of a number of defined reasons – so, if one of your children happens to be a little accident-prone, having the right cover in place at the time of booking your holiday could be wise!

If you're travelling with older relatives in their 60s or 70s, it's a good idea to look at travel insurance for over 60s and over 75s.

Our maximum age limit for annual multi-trip insurance is up to 75 years, while it’s up to 85 years for our single trip policies. The age limit and level of cover we can offer depend on your personal information and the details of your holiday.

If your child is going abroad, with you or a relative or friend, Home Office advice says the permission of everyone with parental responsibility must be given.

Mothers automatically have parental responsibility, but still need permission from the father if he's not travelling with you. The Home Office has a template letter you can use to show you have permission.

If children are travelling with any adult who has a different surname to them – even their parent or step-parent – it's possible your group will be stopped and questioned at border control.

It's therefore a good idea to take documentation with you. This might include a copy of the following certificates:

• The child's birth certificate
• Your marriage or divorce
• Change of name

Our annual family travel insurance also covers under-18s if they're travelling with an adult who's not named on your policy.

So if a kind aunt, uncle or family friend offers to give you a break and take your children on holiday with them, this type of policy will give you peace of mind their belongings are covered and they will get the right treatment should they become ill while away.

If you're not sure if a family policy is best for you, call one of our advisors on 0333 234 9913 .

Travelling abroad as a family

When travelling to any country, whether for a holiday or work, it's wise to check Foreign Office advice about your destination. If you travel to a country where advice has been issued about things such as unrest, terror alerts or weather warnings, you risk invalidating your insurance.

If you're travelling in Europe, don't forget your European Health Insurance Card (EHIC) if it’s still in date. Otherwise you should apply for a new Global Health Insurance Card (GHIC) . They aren’t the same as travel insurance and don't give you the same level of cover, but they prove you're a UK resident and are therefore entitled to medical treatment and help when in a European country (except Iceland, Liechtenstein, Norway and Switzerland, where the EHIC hasn’t been valid since 31 December 2020).

Are there any exclusions?

As with any insurance policy, some things aren’t covered by Admiral Travel Insurance. If your family is planning to do any winter sports such as skiing or snowboarding, or you’re taking to the seas on a cruise, you’ll need to add our winter sports or cruise cover upgrades to your policy. Without these, your trip won’t be covered at all.

Exclusions include:

• Not telling us about any pre-existing conditions
• The pre-existing conditions of a relative not on your policy
• Any losses or expenses you can recover from elsewhere, or are more specifically insured by another policy
• Anticipated events
• Coronavirus
• Travelling against FCDO or medical advice

What if I have a pre-existing condition?

A pre-existing condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913 .

Your pre-existing conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online . (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)

Your questions answered

Does travel insurance cover death of a family member.

You can make a claim if you have to cancel or cut short your trip because of a family member’s death, serious illness or serious injury, providing it’s not related directly or indirectly to any pre-existing medical condition.

Do you cover children under 18?

Cover can’t be bought for a child under the age of 18 alone. A child under 18 can be added to our family policies where at least one adult over the age of 18 is also going on the trip (single trip policies).

A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This adult doesn’t need to be insured with us.

Can the adults on an annual multi trip policy travel separately?

Yes. This policy covers each insured adult, whether travelling on your own or together.

Getting the most out of your trip

Going anywhere nice.

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Student Travel Insurance

Travelling while pregnant, travel insurance over 65, travelling with medical conditions, travel insurance upgrades.

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

Cruise Travel Insurance

Ski travel insurance, gadget travel insurance, adventurous sports insurance, single trip insurance, annual trip insurance.

Key Benefits of Family Travel Insurance

Types of coverage in family policies, special considerations for family insurance, choosing the right family travel insurance, purchasing family travel insurance, utilizing family travel insurance, family travel insurance faqs, family travel insurance: comprehensive protection for your loved ones.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate travel insurance products to write unbiased product reviews.

• Your travel insurance may already cover your entire family, including children.
• Travel insurance can cover a single trip or multiple trips within a set time, usually a year.
• Travel insurance for families should have larger coverage limits than single-traveler plans.
• Compare travel insurance coverage options and rates with SquareMouth . 

Before they were four months old, my daughters went on their first long-haul international flights, stopping in Dubai before reaching Australia to visit family. Since then, I've learned a lot about traveling with kids. 

It essentially boils down to expecting the unexpected. Whether it's a child needing a sudden ER visit just before departure (shoutout to my oldest) or your luggage with all the baby essentials going missing (which happened to my second), you've got to be prepared to roll with the punches, which is where travel insurance comes in.

You might not think much about travel insurance and kids, but if you're a jet-setting family, you probably should. The question of what travel insurance covers is broad. It may cover medical emergencies abroad, lost luggage, and interrupted trips. 

Some policies will even cover cancellations for illness, which parents know always seem to strike at the worst possible times. Here's what you should know about travel insurance before starting your next family vacation.

Comprehensive coverage 

Family travel insurance covers all traveling family members under a specific policy. Comprehensive coverage in family travel insurance includes emergency medical expenses, cancellations and interruptions, delays, and lost luggage for your entire group. 

Cost-effectiveness

While adding your kid to your travel insurance policy is the simplest way to get coverage, it's not always the best travel insurance for your family's needs. More extensive trips and larger families often have to purchase family travel insurance. Insuring multiple people on one policy allows you to score lower rates than buying insurance for each person.

Medical and emergency assistance

Your U.S. healthcare plan may not cover you in other countries. So, you could be responsible for a hefty bill if you get into an accident and require medical care abroad. Fortunately, a comprehensive travel insurance plan includes travel medical insurance , which covers emergency medical expenses such as treatments, hospital stays, and medication. Insurers also offer emergency evacuation and return to the U.S. for medical care at your home institution.

Trip cancellation and interruption

Travel insurance provides coverage for families facing unexpected changes in travel plans. It covers prepaid, nonrefundable expenses incurred when you have to cancel your trip or when your trip is interrupted due to covered unforeseen events, like a pandemic or natural disaster. 

Coverage for children and elderly family members

Your travel insurance may already cover your entire family, including children. Many policies allow you to add children 17 or under as long as they travel with at least one legal guardian. Some policies enable grandparents to add kids, too. Often, adding kids is free, but if you're traveling with more than one kiddo, you may need to pay for additional travel insurance coverage.

Policies may have exclusions for those with pre-existing conditions, which is an important consideration for those traveling with elderly families. The good news is that many insurers offer a pre-existing condition waiver if certain conditions are met. 

Family-specific inclusions and exclusions

A comprehensive family travel insurance plan covers all family members for an additional fee. Your plan includes medical and emergency assistance and evacuation, trip cancellation and interruption, and stolen or damaged baggage loss. 

However, your policy excludes coverage for the following reasons: 

• Foreseeable events (covered in a cancel for any reason policy (CFAR))
• Travel restrictions from government authorities (covered in a CFAR policy)
• Pre-existing conditions (covered with a pre-existing condition waiver)
• High-risk activities (covered with an adventure and sports add-on)

Assessing your family's needs

Assessing your family's needs can help you find the right family travel insurance. Some factors to consider before purchasing a policy are travel frequency and duration, the risk level of your destination, budget, which family members are traveling, and any planned activities.

Comparing family policies

Kids traveling without parents need different travel insurance.

Sooner or later, your child might want to go on a trip with their cousins, friends, or neighbors. Children traveling without a parent need travel insurance for unaccompanied minors or single-child travel insurance. Child-specific travel insurance provides the same coverage as other policies, targeting the youngest solo travelers.

High-flying families can buy a multi-trip travel insurance policy

If your little ones have frequent flier miles, you might be the type of family to benefit from a multi-trip policy, also known as annual travel insurance. This type of policy covers your entire family for the whole year, which means you'll have one less to-do item on your list before booking flights on a whim.

Annual plans may have more limitations. Annual plans limit the length of covered trips, usually 30 days or under. Many limit the riders you can add such as pre-existing condition and CFAR coverage.

Of course, you should expect to also pay more upfront for the same coverage. Depending on how often you travel, though, an annual plan could save you compared to buying a new one for every trip. Just make sure you check your policy documents for any restrictions.

Big kids qualify for travel insurance too

As more experienced parents like to tell me, the years fly by. At some point, your kids aren't, well, children anymore. But many are still dependent on mom and dad. Luckily, some travel insurance policies allow you to add older offspring, often till the age of 21.

If you've started a tradition of buying travel insurance, your bigger kids might purchase separate policies for spring break weekends and other friend trips. For many parents, looping young adult dependents into the family plan is one more way to reduce unnecessary hassles.

Parents traveling without kids should consider a cancel for any reason policy

Sometimes kids can impact your travel plans, even when traveling without them. Parents traveling sans children can enjoy the extra peace of mind from CFAR travel insurance. As the name suggests, this coverage lets you cancel because of a sick kid, a must-see school event, or anything else. Of course, each policy has a time limit.

You have to cancel your plans before the trip happens. Some companies may have different cutoffs. So make sure to check your policy documents. However, as long as you meet that deadline, you won't have to worry about unseen coverage exclusions.

I just added this for a girls' trip to Italy without my daughters this spring. While I would hate to miss the pizza and gelato for any reason, knowing I could change plans if there were an emergency with my children was well worth the cost of adding cancel for any reason coverage.

You can find our guide on the best CFAR travel insurance here.

Where and when to buy

Some credit cards offer travel insurance coverage. So, before purchasing a policy, check your benefits for credit card travel protection . Then, figure out if you need to purchase extra travel insurance coverage. 

You can buy travel insurance directly from an insurance provider or through an online comparison website to see multiple quotes at once. Travel agencies also offer insurance with your travel booking. 

It's best to buy a policy before your departure date. Limitations on when you must purchase your policy vary by insurer and policy type. However, many insurers require you to purchase within 14 days after making your first trip deposit  

Documentation and application process

According to Travelex insurance , these are the pieces of information you'll need to purchase travel insurance. 

• Trip dates 
• Travelers' names and ages
• Destination 
• Initial trip deposit date 
• Cost of trip by traveler (prepaid and nonrefundable expenses)

Depending on your coverage, your insurance company may ask for more information, such as pre-existing medical conditions and planned activities. 

Managing the Policy During Travel

Including your family members on a single policy makes managing your travel insurance easier. Be sure each family member knows the policy's information, including the policy number, coverages and exclusions, emergency hotline number, and how to file a claim. It would help to carry a digital or physical copy of the policy. 

Handling claims and emergencies

If you encounter a medical emergency, trip disruption, or lost and stolen property, contact your travel insurance company's emergency assistance hotline. They can provide information on where to proceed or how to get your trip back on track.

Then, you'll want to file a claim for any unexpected expenses you've incurred. Travel insurance works on a reimbursement model. You have to pay for those expenses out-of-pocket before your insurer reimburses you. So, it's important to retain documentation, like receipts, medical records, police records, etc., to file your claim. 

In addition to supporting documents, you'll need to provide your policy information and details of the incident. Many insurers allow you to file a claim online but you can also do so over the phone with an agent.

Conclusion and Recommendations for Family Travel Insurance

Traveling with families is expensive and stressful, even for those who love it. However, travel insurance is a small expense that can reassure you that you're ready for whatever happens. Make sure to choose the best travel insurance policy for your family's needs and enjoy the peace of mind it provides on your next adventure.

Yes. Most family travel insurance policies cover domestic and international trips, providing comprehensive protection regardless of the destination.

Many providers offer the option to customize family travel insurance policies to include coverage for adventure sports, though this may incur additional costs.

Coverage for pre-existing medical conditions varies between policies. To get a pre-existing condition waiver , most policies require that you purchase your policy within a time frame from when you made your first trip payment.

Family travel insurance is generally cost-effective for large families. It typically covers multiple family members under one policy, often at a lower cost than individual policies. Most insurers will be able to cover up to 10 family members.

Many family travel insurance policies include children at no additional cost or offer reduced rates for children. However, child-included pricing is, by no means, the industry standard.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, family travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Arranging a family holiday can be stressful enough without worrying about travel insurance. That’s why we make getting covered as quick and simple as possible.

All our family travel insurance policies include automatic cover for over 100 sports and activities at no extra cost.

What is family travel insurance and do you need it?

Family travel insurance is holiday cover for every member of the family, all under the same policy. Typically, family travel insurance will cover one or two adults and between one and eight children aged under 18.wubter

• A traveller visiting Thailand suffered a serious blood infection needing intensive medical treatment and an air ambulance back to the UK. The total bill was £250,000 paid by the travel insurer.  
• A holidaymaker in Spain needed private medical treatment for a kidney infection. This cost £15,000 , covered by her travel insurance. 
• Real customer claims we’ve paid out include; £42,227 for a superficial head injury in Turkey, and £239,743 for a spinal fracture in the USA.

If you’re heading out with the whole family, costs can quickly stack up. Making sure you’re covered in the event of an emergency is a weight off your mind. We’ll also cover costs for other unexpected issues and mishaps, like losing your luggage or problems with your accommodation, leaving you free to make memories with your family, worry-free.

What does InsureandGo’s family travel insurance cover?

What’s covered.

All our family holiday insurance policies include:

• Medical emergency expenses cover
• Cover for cancellation of your trip
• Our 24-hour emergency assistance team , available to call, day or night, wherever you are
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover

What’s not covered

We aim to provide as much cover as possible, however, there are some situations that travel insurance will not cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our family travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

Find out about our optional add ons for activities like extreme sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of USA travel insurance you buy.

To check the policy exclusions and what is and isn’t included, make sure you have a look at our policy wording to see the full terms and conditions.

Age restrictions

We think family holiday insurance should cover the whole family. That’s why our policies have no upper age limit.

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered. If you’ll be taking away something a bit more expensive you can add our valuables extension .

The best family travel insurance for your holiday

All families are different, which is why we offer different types of insurance for every family. Not sure what policy is right for you? Here’s what we’d recommend. 

• Doing one big family trip this year? Our single trip insurance may work out cheaper for you and your family.
• Heading out a few times? If you buy one of our annual multi-trip policies , you can travel as often as you like for an entire year!
• Doing a trip with family friends? If multiple families are travelling together, we can offer group insurance policies.
• Taking the grandparents? If you’re going on a multi-generational holiday, you can have kids, adults and grandparents all on one policy. Great grandparents too, if you like – our policies have no age limit .
• Doing something special? We can cover extreme sports , cruising and hiking for the entire family. 
• Want to expand your current policy to other family members? We can help with that. You can either manage your policy online or give our team a call and we’ll be happy to help.

Choose a cover level to suit your travel needs

Family travel insurance with pre-existing medical condition cover.

We don’t think that having a pre-existing medical condition should get in the way of a holiday. This is why we cover more than 1,300 pre-existing conditions, many at no extra cost. 

If you or a family member has a pre-existing medical condition, we can offer medical travel insurance . We’ll simply ask a few questions about the condition so you have more time to get on with your holiday planning. 

Examples of medical conditions we can cover include:

• Heart-related conditions
• High blood pressure
• High cholesterol
• Disabilities
• Epilepsy or Stroke

We consider a pre-existing medical condition if you’ve:

• Taken any prescribed medication or received medical treatment within the last 2 years
• Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

Before buying a family travel insurance policy, you must let us know about any pre-existing conditions you or your family members have. Just call us or use our quick and easy online medical screening system.

Which destinations are covered by our family travel insurance?

We offer family travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean)

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper. If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book our family travel insurance

We know planning a family holiday can be complicated, so we make getting your family travel insurance as easy as possible:

1. Let us know about your trip

We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy or save the quote for the future.

“Family travel insurance is an easy, hassle-free way to make sure that everyone in your family is covered on family holidays. Simply get the kids in the car, and go. We can even cover grandparents, as our policies have no upper age limit. That’s a weight off your mind!” Russell Wallace – Travel insurance expert

Our reviews speak for themselves

Here’s what our other customers have to say about us.

Frequently asked questions on travel insurance for families

Does family travel insurance cover individuals.

Yes, our family travel insurance policies cover any adults over the age of 18 who want to travel alone. If you buy annual multi-trip family travel insurance, every adult on the policy over 18 is insured to travel independently.

Can children travel independently on family travel insurance?

Any children under 18 need to travel with an adult named on the family travel insurance policy to be covered. 

However, any adults over 18 who are named on the policy can travel abroad at any time to be insured. Every adult on the policy is insured to travel independently.

Do I need family travel insurance for a UK holiday?

We’d recommend getting family travel insurance for any holiday, including a staycation. While your medical costs would be free if you’re staying in the UK , family travel insurance also covers other holiday mishaps, such as lost luggage, delays and cancellations.

Is family travel insurance cheaper than individual insurance?

We tailor pricing on an individual level, so the price of each policy will vary based on the individuals in the family.. You also can’t buy an individual policy for under 18s, so a family or group policy is essential to cover anyone younger than this. 

One of the main benefits is that the family policy is less hassle. You’ll only have one policy to look at, one set of documents, and one provider to contact in case of an emergency. That’s a lot less to worry about.

Does travel insurance cover cancellation due to family illness?

Need to cut your family holiday short due to illness? We know this is the last thing you’d want to think about when planning time away but if anything was to happen and you needed to cancel/shorten your holiday then know you’re covered.

When should I buy family travel insurance?

You should purchase family travel insurance as soon as you have booked your holiday. This is a great way to ensure that you don’t forget to buy it, and you can avoid a last-minute scramble to get a policy later. 

If that’s not possible, simply buy a family travel insurance policy as soon as possible. Don’t forget that you’ll need to have a policy in place before you leave the UK for it to be valid.

How much is family travel insurance?

The cost of family travel insurance varies, as it will depend on a few different factors. An insurance provider will need to know how many people they’ll need to cover, what their ages are, and whether they have any pre-existing conditions. It’s also likely they’ll want to know where you’re going on your family holiday, and whether or not you’ll be doing any activities, such as extreme sports.

Do I need family travel insurance if we all have GHIC cards?

Yes, you’ll need family travel insurance even if you all have GHIC cards. The UK Government advises that all British nationals get the correct type of travel insurance before leaving the country.

The GHIC, formerly known as the EHIC, covers medical expense costs but does not insure you against anything else, such as transportation to and from a hospital, lost luggage, cancellations, delays or legal expenses.

Can I get family travel insurance as a divorced or separated parent?

Yes, our Family Travel insurance covers children (even if they do not live with you) and stepchildren.  You will need to declare all their details, including medical conditions

Who can buy an InsureandGo family travel insurance policy?

All our family travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of buying
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our family travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

*Discount excludes any premium generated to cover medical conditions or optional extras & is automatically applied. This offer cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between £0-49, 10% for £50-249, & 20% for £250+ apply. Offer ends at 23:59 on 02/09/24. T&Cs apply.

• Unlimited emergency medical expenses available on Black level policies.
• InsureandGo’s Gold achieved a Which? Best Buy.

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• Single Trip Travel Insurance

Single-trip travel insurance

No age limit and all medical conditions considered

Kids go free on family policies(1)

Flight Delay Assistance Plus – available on our premier policies

Off on your travels? Pack our single-trip travel insurance

Wherever you’re travelling to and however long you're going for, don't forget about your travel insurance. It might not be the most exciting thing to think about but it's just as important as your passport and travel tickets.

Single-trip travel insurance is suitable cover for you if you're about to go away on just one trip. Any more than that and you may be better off with annual multi-trip travel insurance .

Medical Assistance Plus: 24/7 holiday health support

Have peace of mind when you travel knowing health professionals are just one click away.

Medical Assistance Plus (2), powered by Air Doctor, comes free with all our travel insurance policies. It gives you access to outpatient medical support while you’re away.

Through the service you can book an in-person or video consultation with a doctor. You can also get prescriptions delivered to your nearest pharmacy.

We’ll send you an SMS reminder about the service the day before you travel (for single-trip and backpacker cover) or the day before your policy begins (for annual multi-trip cover).

What’s covered?

Here’s a summary of the cover our single-trip policies provide. For full details check our policy documents. Terms and conditions apply.

Cancellation and cutting short your trip

We'll repay you for any non-refundable, unused travel and accommodation costs if you have to cancel or cut short a trip due to reasons set out in the policy

Emergency medical expenses

We may be able to help if you need emergency medical treatment, return to the UK and more while you’re abroad

Missed departure (3)

We’ll also cover any extra travel and accommodation costs you're charged if you arrive too late to travel on your booked transport. As long as they match the reasons set out in the policy

Items that are usually carried or worn during a trip are covered if they get lost, stolen or damaged

Personal liability and legal costs

You’ll also get protection for any unexpected legal costs you might be charged while you’re away

Sporting activities included

We cover over 100 sports and activities free of charge, but there are some we don’t cover at all. Check your policy wording for the full list and our terms and conditions, as some aren’t covered for personal injury or personal liability

Choose a travel insurance cover level

We can offer you a choice of economy, standard and premier cover levels.

Policy wording

Upgrade your cover with ease

Need cover for your policy that's not included as standard? Just pay a little more to add these upgrades – optional or mandatory depending on the trip type.

This optional extra helps protect you from the impact of airspace disruption, natural catastrophes, terrorist acts or Covid-19 (5)

If you’re happy with the cover offered, but worried about excess fees, you can opt for an excess waiver. For an additional premium, you can add it to any Post Office level of cover for zero excess fees (5)

Insure all your devices with our easy-to-add gadget cover. It’s perfect to protect all your smartphones, tablets, laptops and consoles (5)

Specialist cover is mandatory for winter sports like skiing and snowboarding. There’s greater risk of emergency costs. Make sure you’re protected on the pistes (5)

If you're going on a cruise, specialist cover is both important and mandatory. It covers missed departure due to breakdown, falling ill on board, being confined to your cabin, lost baggage and more (5)

Trip extensions are available up to 45 or 60 days, increasing from the standard 31 days (5)

All medical conditions considered

Living with a medical condition shouldn’t stop you seeing the world. And, with the right travel insurance in place, you can enjoy peace of mind on your adventures – just in case something unfortunate happens.

At Post Office, we cover most pre-existing conditions. Contact us for a quote to see if we can cover you. It’s important to declare upfront all your medical conditions and any medication you're taking.

If we can't help and yours is a serious pre-existing medical condition, check the  Money and Pensions Scheme (MaPS) directory. It lists companies that may be able to help you. Or call 0800 138 7777 .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance

An award-winning provider

Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common questions

Does single-trip travel insurance cover covid-19.

Policies purchased from the 28 March 2024 onwards provide cover if:

• You test positive for Covid-19 within 14 days of your trip and are required to self-isolate by a medical practitioner, the NHS or any UK government body
• A medical practitioner certifies you as too ill to travel due to Covid-19
• You, someone you’re travelling with, or someone you’re staying with is required to self-isolate by a medical practitioner, UK government body or health authority
• You, an immediate relative (6) or someone you plan to travel or stay with dies or is hospitalised due to Covid-19

If an insured trip has to be cut short, the unused portion of it can be claimed for if:

• You, an immediate relative (6) or someone you’re travelling or staying with dies or is hospitalised due to Covid-19

There’s also cover for medical and repatriation costs if you fall ill with Covid-19 while away. Call our emergency assistance line and we’ll help you seek treatment if needed, we can also arrange to bring you back to the UK.

There’s no other coronavirus cover on our policies but, for extra reassurance, you can add our trip disruption cover upgrade option. This gives you added protection against missed departures and expenses charged due to change of testing or quarantine requirements. Add it to your preferred policy for an extra premium.

If you bought your policy with us between 31 March 2022 and 27 March 2024 , some cover for Covid-19 is included as standard. Please visit our coronavirus FAQs page for the full details.

Should the FCDO advise against all travel to your destination, there is no cover under any section of the policy if you decide to travel.

It’s important to follow FCDO advice on essential travel. If you choose to travel and the trip’s not essential, we’ll only cover a claim if the cause isn’t linked to the reason for the FCDO advice. This limitation applies even if you’ve purchased an optional trip disruption cover upgrade . You may be able to travel with full cover if we authorise, in writing, that your trip’s essential before you travel. To request this, please email  [email protected] .

Please make sure you’re clear what’s covered and what’s not. Check the answers to common questions about coronavirus cover and the full policy wording for more details.

What’s covered with single-trip travel insurance?

With single-trip travel insurance, you’re covered for a range of issues that might happen while you're away. These include medical expenses, cancellation or cutting short your trip, plus the loss of your belongings. But check the policy details before you decide on which cover to get. The amounts and things you're covered for a will depend on the level of cover you take out. Take a look at our policy document to find out which one best suits your needs.

Does single-trip travel insurance cover cancellation?

Yes, your single-trip travel insurance policy will cover you if your trip's cancelled or cut it short, for some situations. These can even include cancelling or shortening a trip due to coronavirus, in some cases. You’ll find full details of what’s covered and what isn’t in the policy wording .

Will I need extra cover with single-trip travel insurance?

It depends on what level of cover you need for your trip. The level of cover you have with a single-trip policy is the level you chose when you applied for the travel insurance.

It’s a good idea to list out the cover you think you might need while you’re away. That makes it easier to compare policies to find the one that’s right for you.

For instance, some policies include cover against the impact of Covid-19. But you might want to add extra protection in case the virus causes you to miss a departure or other delays. Check our new trip disruption cover upgrade for further information on how we can help.

Some activities require mandatory additional cover. If you’re going skiing or on a cruise, you’ll need to take out extra specialist cover. That’s because these types of trips involve a different level of risk for insurers. Please be aware that these covers will add an extra cost to your insurance package.

There are some adventure sports and activities that are covered as standard on our single-trip travel insurance and others that aren’t. It’s important to fully understand your policy document so you don’t become involved in something that you’re not covered for.

What are the advantages of single-trip travel insurance?

If you don't travel too often – perhaps only once or twice a year – then you might want to take out a single-trip policy. If you're taking a single trip of lasting duration (up to 365 days(7)) then a single-trip policy can cover you too. Terms and conditions apply.

If it's likely you'll take more than one trip in a year, Post Office Annual Multi-trip Travel Insurance may be a more cost-effective way for you to get covered.

What different cover levels are there for Post Office single-trip travel insurance?

Post Office offers three levels of travel insurance. These are economy, standard and premier. With our premier policy, there's complimentary airport lounge access if your flight's delayed for one hour or more (8).

When is the best time to start my single-trip travel insurance?

It’s often best to buy single-trip travel insurance as soon as you book any part of your trip. Cover for cancellation won’t begin until you buy it. The start date needs to be the start date of your trip, but by taking it out straight away, should something happen between now and the start of your trip, you can be covered for cancellation in some circumstances. It’s another thing sorted and out of the way, and one less thing to forget as you get nearer to your trip and things get busy.

How much is single-trip travel insurance?

The price you pay for single-trip travel insurance really depends on what you need your policy to cover. When you get a quote from Post Office we’ll ask what level of cover you need for all of the things you might like to protect, or issues you may want to safeguard against, when the time comes to travel. So we’ll work out a competitive price for that cover based on the options you choose.

Is there a discount for students?

Yes, there is. We’ve partnered with Student Beans to offer a student discount. To claim it simply log in with your Student Beans account . If you don’t have one, you’ll need to register for a Student Beans account and verify you’re a student first. You’ll be given a unique code, which you’ll need to enter into the promotion box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

Do you offer a discount for graduates?

Yes, we do. We’ve partnered with Grad Beans to offer a discount to graduates. To claim it, you’ll need to either register for a Grad Beans account (to verify your graduate status) or log in with your existing account . You’ll be given a unique code, which you’ll need to enter in the promotion code box that appears when getting your travel insurance quote. The discount will be taken off your quote total.

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, manage your account online, find answers to common questions about our cover or get in touch:  

Visit our travel insurance support page

Register your policy

If you haven’t yet registered your Post Office Travel Insurance policy, enter your details and create a log in so you can access it any time 

Register policy

Travel insurance policy types

Single-trip cover.

• Cover for a one-off trip in the UK or abroad
• Perfect for one-off trips or longer holidays of up to 365 days (7)
• No age limit

Annual multi-trip cover

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years 

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions.
• For people aged 18 – 60 wanting to travel the world for a gap year or career break 

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Policy documents

To access your policy documents, select your cover level then tell us the date you bought your cover. 

Economy, standard and premier

Core, extra and max.

Policy numbers starting with TC

Policies are underwritten by Collinson Insurance:

• Policy wording - purchased on or after the 28 March 2024
• Policy wording - purchased on or after the 31 August 2023
• Policy wording – purchased on or after 17 August 2022
• Policy wording – purchased on or after 31 March 2022

Policy numbers starting with TA

About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

The above details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) Kids (under 18s) can be covered at no extra cost on our single-trip and annual multi-trip policies provided they have no medical conditions.

(2) Medical Assistance Plus is not available for trips taken in the UK, only for international travel. The service allows up to 3 separate medical events per person, per policy and for each medical event up to 3 appointments per person listed on the policy. All appointment charges are covered by your travel insurance policy. You will not need to pay any excess fees for this service.

For any online appointments or where the appointment was held at your accommodation, where a prescription is issued, you will need to pay for any medication and claim upon your return home. No excess will be applied for any prescription charges. If your appointment takes place at a clinic and they have a dispensing chemist, you will not need to pay for your prescription and all charges will be covered by your policy at the point of appointment. If there is no dispensing chemist at the clinic, you will either be given a prescription, or the prescription will be sent to a chemist by the treating doctor, and you will need to pay for any medication and claim upon your return home.

If your medical situation needs to be handed over from an outpatient case to an inpatient case and requires hospital admission, you will be handed over to our emergency medical assistance team in the UK. For any inpatient cases, no excess will be applicable.

(3) Missed departure is available with on our standard and premier cover levels.

(4) Increased to £750 if you bought your foreign currency from Post Office.

(5) Terms and conditions apply.

(6) Immediate relative: your mother, father, sister, brother, spouse, civil partner, fiancé/e, your children (including adopted and fostered), grandparent, grandchild, parent-in-law, daughter-in-law; sister-in-law, son-in-law, brother-in-law, aunt, uncle, cousin, nephew, niece, step-parent, step-child, step-brother, step-sister or legal guardian.

(7) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to: 365 days for those aged up to and including 70 years 90 days for those aged between 71 and 75 31 days for those aged 76 years and above

(8) You need to register your flight online at least 24 hours before your scheduled departure time. Your free lounge access or ability for a monetary cash value will become available on the announcement of a minimum one-hour delay, this can either be announced as one single period of delay or reached as a consequence of multiple incremental shorter delays provided that your flight departs from an airport terminal with a lounge that's part of the LoungeKey network.

Family Travel Insurance

Getting ready to make some memories on a family trip? We have Single Trip or Multi Trip cover, handy if you’re planning more than one family holiday this year.

Whether you’re planning a getaway close to home, a weekend at their favourite theme park or an extended break overseas, our Travel Insurance for families could be right for you.

• Up to 4 kids under 18 go free on core Single and Annual Multi Trip Insurance cover. An additional premium may be required to cover any pre-existing medical conditions or add-ons.
• With Clubcard Prices, Clubcard members get a 10% discount when you buy direct. Discount doesn’t apply to Later Life cover or add-ons. Just enter your Clubcard number when you get your quote.
• Choose from Economy or our 5 Star Defaqto rated Standard and Premier cover. Monetary limits, excesses and exclusions apply.
• You can choose to add optional extras and additional cover to your Single or Multi Trip cover for an extra cost. Monetary limits, excesses and exclusions apply, please see the policy booklet for more information.

Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust).

Cover for COVID-19 includes

• If you have to cancel or cut short your trip as a result of contracting COVID-19.
• Medical treatment if you contract COVID-19 abroad.
• If you’ve got to return home early because the region you’re in goes into lockdown.

Remember to check the latest Foreign, Commonwealth & Development Office (FCDO) and local authorities travel advice before you go. We don't include cover for cancellation where the FCDO or local authorities advise against travel. For full details of the COVID-19 cover provided on our policies take a look at the policy booklet . Monetary limits, excesses and exclusions apply.

Some little helps to get you on your way

Need a different type of cover for your trip.

Not travelling with the family this time? See our range of Travel Insurance options, including cover designed for Backpackers .

Important information

It’s important that you review the full policy document for your Travel Insurance policy. It contains details of cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.

If you purchased or renewed your Travel Insurance policy on or after 13 December 2023, your policy document is below.

If you purchased or renewed your Travel Insurance policy before 13 December 2023, your policy document is below.

The Insurance Product Information Documents summarise the key features, benefits and exclusions of cover.

The Insurance Product Information Documents summarise the key features, benefits and exclusions of our additional cover.

Gadget Cover Documents

If you purchased or renewed your policy on or after 13 December 2023, your policy document is below.

If you purchased or renewed your policy before 13 December 2023, your policy document is below.

Car Hire Document

How we collect and use your personal data.

Tesco Personal Finance PLC (trading as Tesco Bank) acts as an intermediary for this policy. Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust). You can find out more about how ROCK will process and share your data in their Privacy Notice.

ROCK will share some of your information with Tesco Bank as set out in their privacy notice and you can find out more about how Tesco Bank will then process that data in our Privacy Policy .

ROCK will also share data with IPA UK so that they can underwrite your policy and if you make a claim. You can find out more about how IPA UK will process your data in the ‘Data Protection Notice and Fraud’ section of the Policy Wording document and by visiting the AXA Assistance website and AmTrust Europe website.