Many people view buying travel insurance for family holidays as automatic – especially when there are issues of young children or flu season and the like. But that doesn’t mean one size fits all and you should automatically just pick the cheapest policy.
Here are four things you may need to know in order to choose the right travel insurance for family holidays.
Buy early enough
Often, it isn’t enough to get covered when you are just about to leave. You won’t get any reimbursement for trip cancellation and rebooking unless you’re covered before the flight dates. This is why it always a good idea to buy travel insurance for family holidays at least 15 days before your trip. Better yet, purchase it when you pay for your flights and accommodation, whether you’re just paying a deposit or the full amount. This ensures you are covered for the days before your leave for issues such as sickness in the family or accidents. Purchasing early may also offer some additional benefits, such as the waiver of the pre-existing conditions clause.
Age does matter
When getting travel insurance for family groups, not all policies have the same requirements. For instance, some individual policies will automatically include your children under 17 without any additional charges, while parents and other relatives over 65 may not be included, even if it’s a family policy. Always check to ensure everyone is covered.
Not all policies are the same.
Policies range from the very basic and may not include eventualities such as lost luggage or flight delays. To be safe, here are the five areas you will want to be sure are included:
Emergency Medical and Dental Coverage
Emergency Medical / Dental Transportation
Trip Cancellation Protection
Trip Interruption and Delay Protection
Lost / Stolen / Delayed Baggage Coverage
Before purchasing any policy, however, always check your existing health plan and medical coverage, credit card policies (especially if you’re paying for your tickets and accommodations with them), as well as your home policy in order to prevent duplication.
Some of your plans may require added cover
If you are just going off to visit relatives in another country, you may be fine with just buying a regular policy. On the other hand, if you or another member of your family is going skiing, sky diving, snowboarding, cross-country racing or any other extreme sports, or bringing along expensive gadgets, instruments or equipment, you may want to get specific coverage for those aspects.
There are also other clauses you can include in your policy that may cost extra but can be well worth it, such as:
Any reason cancellation. Regular policies have specific circumstances under which you are reimbursed for your cancelled trip, but with this, you may not even be required to state a reason. Just check carefully-some policies may not reimburse in full, depending on the circumstances.
Upgrades on emergency medical and medical transport coverage. Not only does this kind of policy give you more options when push comes to shove, it can come in handy should you need airlifts and other special arrangements.
Car rental insurance. If you are planning on renting a car for the duration of your trip, this is a must. Don’t worry, fees are often quite minimal.