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
A family travel insurance policy covers up to two adults who live together and up to eight children aged under 18, though they could be included up to the age of 24 if they're in full-time education – the number of children permitted and age limits will depend on the policy.
Who is considered a family member for travel insurance? ›
Grandparents and grandchildren; The following in-laws: mother, father, son, daughter, brother, sister, and grandparent; Aunts, uncles, nieces, and nephews; Legal guardians and wards; Paid, live-in caregivers; Service animals (as defined by the Americans with Disabilities Act)
Does travel insurance cover only one person? ›
“If anything happens to me, your insurance will cover me, right?” he says. There's a common misconception that if one person buys travel insurance, their travel companions are protected too. That's not the case — although travel insurance does provide some benefits that can affect companions.
Does travel insurance cover both people? ›
Aside from that, a travel insurance policy for a couple is the same as for a single person or family - it's just one policy that covers two people, rather than two separate policies for each person.
Is travel insurance excess per person? ›
Who has to pay an excess? When making a claim the excess is generally per person unless stated otherwise in your policy wording. You may also find with some travel insurance policies the excess will need to be paid per section and per incident too.
Who is included in family travel insurance? ›
A family travel policy covers people from the same family who live at the same address, such as: Parents. Children. Step-parents.
Who are considered immediate family members? ›
(1) The term “immediate family member” means, with respect to a person— (A) the husband or wife of the person; (B) the natural or adoptive parent, child, or sibling of the person; (C) the stepparent, stepchild, stepbrother, or stepsister of the person; (D) the father-, mother-, daughter-, son-, brother-, or sister-in- ...
Can you insure a family member? ›
To purchase life insurance for someone else, you need to prove that they have insurable interest (financial loss and hardship should the insured person pass away). Life insurance for a spouse can help ease the financial burden of lost income, childcare or running a household.
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.
Does travel insurance cover relatives being sick? ›
If one of your family becomes ill or gets injured while you're away, your travel insurance policy might cover the costs. Cancellation and curtailment cover is included with most standard policies - so if you have to cancel or cut your holiday short, it's likely you're covered.
If you are buying a single trip medical plan for an international trip, you would need to purchase separate policies as those plans only allow you and a spouse or dependent children to be insured together on the same policy.
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.
Does travel insurance cover a couple? ›
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 are two disadvantages travel insurance? ›
Cost: Travel insurance will add to the overall cost of your trip. Some may choose to forgo it to save money, especially on shorter or less expensive trips. Exclusions and Limitations: Policies may have various exclusions and limitations, so it's essential to read the fine print.
Can you share travel insurance? ›
Whether you're a married couple, travel buddies, siblings or long lost acquaintances, travel insurance doesn't discriminate. So long as you're travelling together most insurance companies will allow you to purchase joint cover.
What type of insurance covers the whole family? ›
Whole life insurance for families
If it makes sense financially, a more expensive whole life insurance policy can provide guaranteed lifelong protection without a term limit. A whole life policy has level premiums, and also has the benefit of acting as a way to save money. This can be handy in the years to come.
What does travel insurance not cover? ›
Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.
