Insuring Kids

Summertime is prime time for families traveling with kids. From the moment schools let out in June until classes resume in September, airports, train stations, hotels, and attractions are teeming with the under-18 set. With such a relatively short season each year in which families can travel together, unimpeded by school schedules or winter weather concerns, travel insurance may make more sense than ever. Here’s why.

24/7 Assistance. Most travel insurance providers offer 24/7 assistance to their clients, offering help with everything from filing claims to rebooking flights and accommodations. When you’re traveling with children, any extra set of hands can be incredibly valuable; more so if they’re helping you get to your destination in the midst of delays and cancellations, or booking you a hotel room where the kids (and you) can get a proper night’s rest while waiting for the next available flight.

Family Freebies. It’s not a sale, a special offer, a discount, or a gimmick; it’s a little-known perk some travel insurance providers offer year-round. Many policies are designed to be specifically family-friendly and offer coverage at no cost for children under the age of 17 when they’re traveling with an immediate family member. Better yet, 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.

Emergency Care. It could happen to any of us, but for some reason, sudden illnesses and injuries do seem to happen more frequently to children than adults. On vacation, a kid who comes down with the stomach bug du jour, or falls on the beach and ends up needing stitches, could end up adding a hefty unexpected expense to your travel budget; depending on where you’re vacationing and what your regular health insurer’s regulations are, you may not be covered for medical care away from home. Looking into travel insurance policies that will reimburse you for emergency medical care while you’re traveling seems like a smart move if you consider the potential costs of an ER visit halfway around the world.

Written by on 1/24/14.
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