Travelers’ Insurance: What do I need to know?

Travelers’ insurance is one of the best safety nets you can purchase when vacationing with kids.  Once you’ve decided to get insurance, however, then you need to decide what kind, and through which company.  After some personal experiences, I’ve compiled a few tips you should keep in mind before you choose your coverage! 

You may already have coverage. 

Your current health insurance, homeowner’s insurance, your workplace, or your major credit cards may already offer full or some health coverage while traveling.  This is the best place to start. Know what is already covered by what you currently have before opting into additional coverages.

You may be able to add temporary coverage to an existing plan. 

Some major credit cards and health insurance coverage offer the option to add temporary coverage during your travels.  Because you are an existing client, this is often a good, low-cost way to go. Check here before extensively reviewing third party options.

You can get often get coverage through a vacation package or you can get it through a third party. 

There are pros and cons to both options.  You will want to think critically about what is covered and for what cost.  In my experience, third party options tend to be better and safer, but it’s best to review both options and consider your specific travel needs before choosing. 

Not all plans are created equal. 

Costs and coverage can vary significantly.  You should consider what you may need or what you would want to be covered if you need to see a doctor or go to a hospital.  Do you only want coverage for visits and prescriptions? Do you want coverage for broken bones, stitches, or surgeries? Or, in a true emergency, evacuation overage or the ability to fly another person to where you are for support?  All of these things and more can be covered, you just need to consider what you want and what you are willing to pay for. Be sure to read the fine print and choose wisely.

You may need to pay for your expenses upfront and submit a claim afterward. 

Even with travelers’ insurance, it is likely that you will need to pay your bill upfront and submit a claim for reimbursement.  When reviewing coverage options, be sure to consider and ask questions about how you file a claim and if/when you need to pay.

Choose the coverage that will follow you. 

Will you potentially leave the country you are traveling to for a side trip?  Are you going to a national park or conservation area within the country? Be sure your coverage includes these areas.  When choosing coverage, be sure to ask a lot of questions about your dates, itinerary, and locations. The more you know upfront, the fewer surprises while traveling.

You can get coverage for a full year or for the length of your trip. 

Frequent travelers should consider long-term plans that cover their full itinerary for the year.  If you tend to do only one or two short trips a year, shorter coverage is likely a better option. 

You know your family’s needs best. 

At the end of the day, you know what’s best for your family.  Consider the coverage you already have, the length of travel, location(s), your family’s needs, dates of travel, your finances, etc. Think through what you need and allow that to guide your decision making.

No matter what insurance you choose, it’s guaranteed that it’ll take a load off your back while traveling with kids! 

Popular Reads
A mom and her child lean over a bridge looking at a beautiful Amsterdam scene, including greenery, a windmill, and buildings.
Great Tips For Taking Family Vacation On A Budget

If you’re searching for tips for taking a family vacation on a budget, this list won’t disappoint! It can be Read more

A family of three looks over a beautiful green, grassy scene together.
How To Add Romance To A Family Road Trip

Even though you’re traveling as a family, it doesn’t mean you can’t share some special moments. In fact, you can Read more

Baby with blue eyes and pacifier sitting in carseat
5 Questions to Help You Decide Whether or Not to Bring a Car Seat

Deciding whether or not to travel with your child’s car seat is one of the most hotly debated topics in Read more

Tips For Traveling With Children Who Have Allergies

Traveling with children who have allergies can be confusing without proper preparation. Even as our world changes with the current Read more

Latest Articles

Family with daughter playing in waves on beach

Best Blogs for Visiting the Cayman Islands with Kids

The Cayman Islands/Grand Cayman is a beautiful and vibrant vacation spot in the Caribbean. Below,...

Read More...
national-park-with-baby

Canyons & National Parks with Baby

The most expensive photo ever sold in the world was taken at Antelope Canyon. It...

Read More...
Nicole-Ratliff-NationalPark

A Family Guide for your Next Visit to Glacier Park

Glacier National Park in Montana is one of our favorite places to visit, especially with...

Read More...

Travel Gift Ideas

National Park With Kids

Family Travel Tips

Use These 10 Tips For Your Baby’s First Flight

Families Who Love To Travel contributor Meghan Oaks provides her 10 best tips for your...

Read More...
Boy wearing bowtie playing with magna tiles at New York toy store

10 of the Best Toys for Travel with Little Kids

In our group, we often get questions about keeping little ones occupied in transit, especially...

Read More...
crusing with baby

Tips for Cruising with a Baby

Cruising is a great option for families with babies who want to relax and not...

Read More...
Posted in ,

Families Love Travel Team

The Families Love Travel Team has a zest for life and an even bigger passion for globetrotting! Comprised of real-life travel professionals, we work hard behind the scenes to provide dynamic solutions for adventuring with children. Our enthusiastic team understands the challenges that often accompany traveling with kids and is committed to making Families Love Travel an inclusive space to convey these experiences.