Family Travel Insurance Tips

family travel insurance

Family vacations are often a person's brightest childhood memories. That's why parents will save for months or even years to be able to afford special trips with their kids. Family vacations really are an investment, and it makes sense to protect that investment with family travel insurance. When you insure your family vacation, the inevitable minor kinks won't ever turn into major setbacks. Here's a look at how family travel insurance can protect you.

What does family travel insurance cover?

This depends on the type of family travel insurance policy you purchase, but don't buy anything that doesn't offer trip cancellation insurance. There are so many reasons you might have to postpone, cancel, or reschedule a family vacation, because you have to work around the schedules of every member of your family. Maybe there were too many snow days, and your kids have to stay in school later than you'd planned, a big surprise deadline comes up at work, somebody gets sick and can't travel, or a hurricane floods the resort where you made reservations -- it's always a bummer to have to cancel vacation plans, but with family travel insurance, you'll at least recover the money you'd put into the trip so you can afford to reschedule at a better time.

In addition to cancellation coverage, family travel insurance plans often include health coverage and other health emergency-related needs and costs. For instance, if a parent is hospitalized on a trip, your policy might cover an escort for your children, or your plan could cover the costs of bringing a loved one to your hospital bedside.

Hopefully you won't ever need to use the medical part of your family travel insurance policy, but one thing that could be very handy is coverage for lost luggage.

Even if you never have to use it (fingers crossed!) the peace of mind you'll get with family travel insurance is well worth the cost, and if you do need it, you'll be glad you made this small extra investment to protect the large investment you made in your family vacation.

Where can I get family travel insurance?

Shop online to compare quotes and customize your family travel insurance policy. If you travel frequently, it may be smart to lump your family travel insurance in with an annual travel insurance plan.

Here are some good places to start shopping for your family travel insurance:
Access America
USI Affinity
Travel Guard
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