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
Do family travel insurance plans cover individuals? Your family travel insurance plan will cover any of the individuals on your policy. Benefit limits are listed at the maximum limit per insured.
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 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.
Does travel insurance cover only one person? ›
Answer: Even though you are paying for the entire trip, each traveler would still need to be insured so they are covered as well during the trip. If you all live in the same state and travel on the same dates, you can all be on the same policy with most providers.
Does travel insurance cover whole family? ›
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 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- ...
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.
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 my travel insurance cover my partner? ›
Most travel insurance policies will cover you if you are unable to go on your trip due to your partner falling ill.
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 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.
Does travel insurance cover family medical emergencies? ›
So if your travel companion gets sick or injured during the trip, trip cancellation benefits may kick in. Or if you get hospitalized in a foreign country, the insurer could pay for a flight and hotel accommodations for a designated family member to visit you.
What type of insurance covers the whole family? ›
Family life insurance looks different for each family. You can insure the entire household with one policy that bundles coverage, either as a joint policy or with riders that add coverage for other individuals. Another option is buying separate policies.
What 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 there a limit on travel insurance? ›
Please note there's a limit to the length of time you can spend away on any individual trip. All Post Office Travel insurance policies cover you up to a maximum of 31 days. If you're going to be away for longer, you can add our trip extension cover.
What is the definition of a family member for insurance? ›
The definition of family member covers a wide range of relationships, including spouse; parents; parents-in-law, children; brothers; sisters; grandparents; grandchildren; step parents; step children; foster parents; foster children; guardianship relationships; same sex and opposite sex domestic partners; and spouses or ...
What is the legal definition of a family member? ›
Family Member means (i) any child, stepchild, grandchild, parent, stepparent, grandparent, spouse, former spouse, sibling, niece, nephew, mother-in-law, father-in-law, son-in-law, daughter-in-law, brother-in-law or sister-in-law, including adoptive relationships, (ii) any person sharing the Optionee's household (other ...
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.
