Anytime you travel with children there are a lot things you have to consider. If you’re going to be away for a long vacation things can get even more complicated. More and more families are taking cruise vacations or European vacations taking the children along with them out of the country. As you know the cost of these vacations start to add up quickly. They are planned farther in advance and thus more things can go wrong before you leave.
For these reasons more and more families are looking to family travel insurance to protect their investment in their vacations. This is vitally important if your trip required you to put down a large amount upfront that is non-refundable under certain conditions. This is where travel insurance comes in.
Family Travel Plan Coverage
Most travel insurance plans cover two major areas. First is trip cancellation and interruptions insurance. This will reimburse you if you need to cancel your trip because of sickness or injury to you or someone traveling with you. Most policies will list specific covered reasons trip cancellation or if your trip has to be interrupted or cut short after you leave. As you compare plans you need to read the description of coverage to see the complete lists of covered causes.
When traveling with children it is probably a good idea to look for a policy that either includes or has available as an upgrade for additional cost what is known as “cancellation for any reason” coverage. This virtually allows canceling a trip basically for any reason at all. This is something that can be handy with children but also depending on your own personal situation.
The other major component of family travel insurance is probably even more important. This is the travel health insurance coverage. There are several pieces to this but basically is will reimburse you the cost of required medical expenses due to illness or accident. In this area there are many variations in the limits of coverage just like in any other health insurance. You need to assess your needs to make sure you feel you have adequate levels of coverage.
Medical Evacuation Insurance
There is one piece of this that can be very important especially if you find yourself traveling alone with your children or grandchildren. This is the medical evacuation insurance coverage. If something where to happen to you requiring you to be evacuated to a medical facility for proper treatment of your illness or injury, what would happen to the children? You want to make sure they are taken care of including their safe return home.
Good medical evacuation insurance will provide for their safe return home as well as other benefits to you such as allowing you to choose the medical facility you are taken to. Don’t skimp on this coverage. Everyone hopes that it will never be needed but if it is you want to know that you are well protected. Not having this protection can mean thousands of dollars in out of pocket expenses that you will be on the hook for. Plus, most of the time these costs are required to be paid up front. It just isn’t worth it.
It is easy to find good family travel insurance. Just do a little research on line and get comparative quotes from top travel insurance carriers. Shop around. Some plans will insure the children under a certain age for free. Get that critical protection and the go and enjoy your vacation.
Compare Quotes for the Best Value in Family Travel Insurance
The easiest and best way to make sure you get the most value for your travel insurance dollar is to compare quotes for annual travel plans from the leading travel insurance carriers. It’s easy, quick and can save you money. Try it here.