Binder with passeport, calculator and paper work. Family travel insurance.

The Real-Talk Guide to Family Travel Insurance

If you’re looking for insurance for a family or family member, look no further. Our GoWhee tips for taking out travel insurance for your family has everything you need to know for your next trip.

Before setting out on your next family vacation, you’ll probably want to purchase travel insurance. Though a trip with your loved ones is a time to bond and enjoy yourself, there’s no telling when an interruption may pop up, so it pays to be prepared for medical emergencies, especially these days.  


The best way to protect your family against these complications is by buying travel insurance. If you purchase travel insurance, you’ll have no need to worry about an emergency medical expense or travel delay; just leave it to your insurance company. So, what exactly does travel insurance cover, and is it worth the investment?

Why You Need Insurance Coverage

In many cases, when something goes wrong during a family vacation, it affects the rest of the vacation as well. Insurance for a family will help keep these mishaps from spiraling out of control, allowing you to deal with any issues as quickly and painlessly as possible. For example, family travel insurance with Covid coverage will cover many cancellation costs if you have to cut your trip short after catching Covid.

Travel assistance services provide for some of the most common issues family travelers have to deal with. Typically, plans include primary coverage for events such as a medical evacuation, unforeseen delays, or any other reasons a family may need to cancel..

What To Expect if You Don’t Have Travel Insurance

Travel insurance is by no means a necessity, and many people travel without it. However, be prepared to deal with lost money, lost items, and delayed flights without much change of reimbursement. 

If you do choose to travel without travel insurance, make sure you have some money set aside to handle expenses if you deal with delays, cancellations, medical issues, etc

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How To Get Covered

While there’s no denying the importance of travel insurance, you may still be wondering how to get your family covered, and what to look for in an annual family travel insurance plan. As it turns out, certain credit cards automatically provide travel insurance when you use them to make a travel booking, so if you vacation frequently, they’re worth looking into! If you’d prefer a bit more control over your plan, however, you may want to contact an insurance firm directly. 

If you aren’t ready to commit to annual coverage, most providers also offer single-trip coverage. This is particularly helpful if you plan on taking a big trip overseas, but spend the rest of your vacations in the United States. 

Whichever you decide on, be sure you know what you’re signing up for before making any decisions. If you’re not planning on leaving the country, for example, nationwide travel insurance will be fine, but it’s not going to do you much good if you’re traveling internationally. In addition, if you’re worried about a family member getting sick mid-vacation, you’ll want health insurance bundled into your policy. Essentially, you should consider your family’s needs and what your vacation is going to look like before you sign onto any policies.

Cost tends to vary by state, the number of people insured, and what the policy covers. The more comprehensive your policy, the more you should be prepared to pay. While you may be hesitant to pay a high premium, if you think certain issues are likely to appear, having them covered will save you money in the long run.

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Best Family Travel Insurance

Of course, when you’re trying to keep your family covered, you shouldn’t have to settle for anything less than the best. While there’s no one-size-fits-all insurance policy, some providers are better than others. To get you started, take a look at three of our top recommendations.

Allianz Family Travel Insurance

First up is Allianz Travel, which brings families simple, comprehensive travel insurance at excellent prices. Policies with Allianz typically cover medical issues, travel delays, lost property, and the like. It’s an excellent choice for families with young children, as any family member under 17 years old can be included in your coverage for free. 

In addition, you can choose between policies for single or multiple trips, so if you don’t travel frequently, you don’t need to invest in a plan you’ll only use a few times. However, keep in mind that there are no coverage options in the event that you need to cancel your trip spontaneously, so you’ll only be reimbursed if you cancel for reasons specifically covered under your policy.

For families that love to travel, we recommend the AllTrips Prime package, which offers families $3,000 in trip cancellation and interruption coverage per person, and includes medical emergency, emergency transportation, baggage loss, and rental car damage coverage.

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AIG Travel Insurance

Many frequent travelers swear by AIG’s travel insurance policies, and for good reason. With three separately-priced plan options, you can cover your family as much or as little as you feel is necessary. Regardless of your plan, however, you can expect service that’s a cut above the competition, allowing you to have peace of mind on your family vacation, no matter what happens.

We recommend the Preferred plan, which offers 100% insured trip costs, 150% insured trip interruption coverage, plus missed connection, baggage loss and delay, emergency evacuation coverage, and much more.

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AXA Travel Insurance

You can never be too prepared when going on vacation, and AXA Travel Insurance plans allow you to plan for just about anything. AXA’s plans boast high reimbursement rates for medical emergencies, lost time, and quite possibly the best lost-luggage coverage you’ll be able to find. 

In addition, you can choose to add insurance covering cancellation for any reason, meaning that you and your family will be covered in even the most unexpected scenarios. Best of all, their plans include a concierge service, allowing you to enjoy your family vacation to the fullest. 

We recommend the Gold Plan, which offers 100% trip cancellation protection, 150% trip disruption coverage, and all the basics needed for travelers. 

Know someone headed on a trip soon? Share this guide with them to make sure they’re covered! And head on over to the GoWhee app for more travel tips.

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