Insuring Kids

Traveling with children adds a level of worry and stress never imaginable. Forget the possibility of weather related trip delays or cancellations; you know your travel insurance will cover that.

From the minute you close your front door, your kids are in vacation mode. They jump off rock cliffs; they pick up jelly fish; they ski down mountains backwards and they trip over their own feet on cobblestone streets. The possible injuries are unpredictable.

Lucky for parents everywhere – travel insurance also can cover all of that. It’s an easy, cost-effective way to travel worry-free with minors. Below are three main benefits when insuring kids on trips:

Insure for Free. It’s a little-known perk, but some travel insurance providers offer free coverage for anyone under the age of 17 when traveling with an immediate family member. While some policies define “immediate family” as parents and grandparents, others have expanded the definition to include other family members such as aunts and uncles.

24/7 Assistance. All of the providers on InsureMyTrip offer 24/7 assistance to their customers, offering help with everything from filing claims to rebooking flights and accommodations. When you’re traveling with children, we know an extra set of hands can be incredibly valuable; especially if they’re helping you to get to your destination in the midst of delays and cancellations or booking you a hotel room where the kids can get a proper night’s rest while waiting for the next available flight. Some providers have other services to assist in your trip, like concierge services. That performance of Beauty and the Beast was cancelled because Belle came down with the flu? If you pick a provider with concierge service, you’ll never be flipping through a guide book again to make last minute plans!

Emergency Care. It could happen to any of us, but for some reason, sudden illnesses and injuries seem to happen more frequently to children. On vacation, a kid who comes down with the stomach bug du jour or falls on the beach and needs stitches could add a hefty, unexpected expense to your travel budget. Depending on where you’re vacationing, your primary health insurer may not cover medical care away from home. Looking into travel insurance policies that will reimburse you for emergency medical care could be a smart move if you consider the probability of your child landing in the ER half way around the world.

Written by on 2/26/15.
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