Last updated on 03/28/2023
Are my kids included in this plan? What if my father is injured at home when I’m away? Can my girlfriend/boyfriend be on my plan too?
First, for the most part, you can insure all the travelers on one plan. The InsureMyTrip online quote tool allows you to insure up to 10 travelers under the age of 100. It is crucial you include the ages of all the travelers in the quoting process for them to be included in the coverage.
Each provider and each plan has a different way of addressing types of travelers and non-travelers. It’s crucial to understand how the plan covers each person. If you have to file a claim at any point, this information will help the process remain stress-free.
Insuring your kids when you travel is worth it. Kids are wacky with wild imaginations that sometimes result in scrapes, bruises or even broken bones. Not to mention, they are germ magnets! Whether you are traveling domestically or internationally, adding your children to your travel insurance plan will add a level of security to your travel investment that may be the most at risk. Don’t let another ear infection cost you hundreds of dollars in rescheduling or cancellation fees!
Huge Benefit: Many providers have plans that cover your children at no additional cost.
Residing in Different States
If travelers live in different states, you'll most likely need two plans. While some providers may have the ability to sell plans to residents of different states, it’s rare. Most states have their own regulations for travel insurance, meaning the plan details can be different for each traveler.
Huge Benefit: Any necessary claims process will be streamlined with two plans because you won’t need to gather documentation across state lines.
Domestic Partners
If you are traveling with a girlfriend or boyfriend that you live with, you can both be covered by the same policy. Most providers include a domestic partner as a family member. Typically, in the case of a claim, providers may request proof of cohabitation and financial interdependence (credit card statements, joint accounts or a shared lease agreement). In some cases, providers may want to see an affidavit of domestic partnership, if recognized by your state.
Huge Benefit: This documentation also can extend to benefits if a domestic partner is a non-traveler.
Non-Travelers
Remember, coverage and benefits extend to only travelers. Your travel medical coverage will not help a non-traveler and they cannot file a claim for lost baggage. Your travel insurance plan does, however, cover you for travel interruption, cancellation or delay in the case of a non-traveler causing this need. For example, if one of a parent falls and breaks a hip or a child becomes ill. It may be prudent to ask about how pre-existing conditions affect the plan as many providers look at this differently for travelers and non-travelers alike.
Huge Benefit: You can get home as soon as possible without worry about your travel costs if you are needed at home due to illness or death of a family member.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
FAQs
Does Standard Travel Insurance Cover Family Members? Standard travel insurance policies cover you and your family members.
Does travel insurance cover family members? ›
That's why it's so important to have travel insurance that includes trip cancellation and trip interruption benefits. These benefits can reimburse you for nonrefundable trip expenses if you must cancel or interrupt your trip due to the covered serious illness or injury of a family member (among other covered reasons).
Does family travel insurance cover individuals? ›
Yes. This policy covers each insured adult, whether travelling on your own or together.
Is travel insurance per person or per trip? ›
Usually travel protection plans are sold on a per-trip or single-trip basis, but some plans can be purchased to cover multiple trips on an annual basis.
Does travel insurance cover the whole party? ›
Remember, coverage and benefits extend to only travelers. Your travel medical coverage will not help a non-traveler and they cannot file a claim for lost baggage. Your travel insurance plan does, however, cover you for travel interruption, cancellation or delay in the case of a non-traveler causing this need.
Who is considered immediate family for travel insurance? ›
The definition for immediate family is going to vary based on your insurance provider. Generally speaking, you can expect that your spouse, children, parents, grandparents, in-laws, aunts and uncles all count as immediate family.
Is it better to buy travel insurance as a group or individual? ›
Group travel insurance might make sense if everyone in your group has the same itinerary and travels to the same destination. The main perk of group travel insurance versus separate policies for each person is that it streamlines the purchasing process.
What is not covered in travel insurance? ›
Depending on the plan, some of the other things that travel insurance won't usually cover include: Any unlawful acts. Participation in organized amateur and interscholastic athletic or sports competition events. Being under the influence of drugs or intoxicants, unless prescribed by a Physician.
How much is travel insurance per person? ›
According to our research, the average cost of travel insurance is $204, but you could pay anywhere between $14 and $765 for travel insurance. While this may seem like a wide price range, it's important to understand that travel insurance is not a “one price fits all” purchase.
Does couple travel insurance cover individual trips? ›
Can you travel separately on couple travel insurance? With a single trip policy, you both need to be travelling together in order to be covered. However, if you choose annual couples travel insurance, both adults named on the policy can travel indepenently.
What type of travel insurance do I need? There are two main types of travel insurance: trip protection plans and travel medical plans.
Is 50000 enough for travel insurance? ›
Every plan is different, but the coverage amounts and benefits may vary. Determine how much you really need. For example, SquareMouth recommends international travelers get around $50,000 in Emergency Medical coverage and $100,000 for cruises or travel to remote areas.
What does travel insurance cover? ›
So, what does travel insurance cover? Here's the very short answer: Cancellations, medical expenses, evacuations, loss or delays, and 24/7 assistance. These are the 5 basic types of coverage provided with vacation insurance.
Does travel insurance cover 100%? ›
If all conditions are met, most of the policies will reimburse you 50% to 75% of your trip costs, unless otherwise noted.
Does travel insurance cover relatives being sick? ›
Does travel insurance cover cancellation due to illness? Travel insurance with Trip Cancellation coverage will cover you if you, a traveling companion or family member come down with an illness before your trip and an in-person visit to a doctor certifies that you're too sick to travel.
What is not covered by travel insurance? ›
Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.
Does trip insurance cover death of family member? ›
Most travel insurance will reimburse you for your pre-paid trip expenses if you cancel a trip because of a family member's death. Your travel insurance may also reimburse you for your unused pre-paid costs if you have to interrupt your trip and return home due to a family death.
Does travel insurance cover my partner? ›
In most cases, travel insurance can be purchased for family members or friends travelling together, provided they have the same itinerary. In cases where travel insurance for couples isn't available, you may be able to take out a group insurance policy.
