How to Buy Family Travel Insurance Online?

One of the best ways to strengthen family bonds and create long-lasting memories with your loved ones is to go on vacations together. International holidays offer many enriching experiences and expose you to new cultures, foods, and traditions. Sharing new experiences allows you to spend quality time with family without the usual distractions of daily life. 

Travel often comes with challenges. While overcoming these challenges with your family builds resilience and strengthens your ties, you can make your journey much more enjoyable and secure with the help of family travel insurance. 

In this article, we will discuss everything you need to know about travel insurance for families, from selecting the right plan to making the purchase online. 

What is Family Travel Insurance?

Family travel insurance is a comprehensive group travel insurance plan that provides coverage for all family members travelling together. It usually covers scenarios such as medical emergencies, trip cancellations, lost luggage, and other travel-related problems. One of the most important family travel insurance benefits is that it covers all family members and gives you much-needed peace of mind knowing that all your loved ones are protected. 

Family Travel Insurance vs Individual Travel Insurance

Family travel insurance differs from regular individual travel insurance in the following ways: 

• Cost-Effectiveness: Family travel insurance often proves more cost-efficient than buying individual policies for each family member. Insurers offer discounts for family policies, making it a budget-friendly option.
• Coverage Limits: Family international travel insurance policies usually have higher aggregate limits than individual policies, which provide adequate coverage for the entire family.
• Simplicity: Managing one policy is simpler than handling multiple individual policies. This reduces the administrative hassle and makes the claims process more straightforward.
• Flexibility: Family travel insurance may offer more flexible terms, such as covering children under a certain age for free or at a reduced rate.

Standard Inclusions in Travel Insurance for Families

• Medical and emergency assistance 
• Trip cancellation and interruption 
• Loss of baggage and personal belongings 
• Travel delays 
• Accidental death and dismemberment 
• Repatriation 

Standard Exclusions in Travel Insurance for Families

• Pre-existing medical conditions 
• High-risk activities 
• Non-medical evacuations 
• Unattended belongings 
• Travel against medical advice 

Choosing the Right Family Travel Insurance Online

1. Assess Your Family’s Needs

Begin by evaluating your family’s specific requirements by considering the ages, health conditions, and activities planned during the trip. If you have younger children or older family members, prioritise medical benefits. 

2. Gather Necessary Information

Gather all important details like your travel dates, destinations, personal details of all family members and the risks and healthcare costs in different regions you are planning to visit. Factor all of these aspects into your selection criteria. 

3. Evaluate Coverage Options

Examine different policies to see what each one covers. Look for essential inclusions like medical emergencies, trip cancellations, and baggage loss. Check for additional benefits and verify if the policy limits and exclusions match your needs.

4. Financial Stability and Claim Settlement Process 

The financial stability of the insurer is their ability to pay out claims. Select an insurance policy provider with a solid financial rating to ensure they can successfully pay out claims. Make sure to understand how the claims process works and choose an insurer with a simple and easy claim process to reduce stress during emergencies. 

5. Verify Network of Medical Facilities

A robust medical facility network that accepts your family travel insurance keeps you safe in all travel destinations. Ensure the insurer partners with reputable hospitals and clinics in your travel destinations. 

6. Assess Customer Service Quality

Quality customer services, such as multi-language support and 24/7 helplines, ensure that you are secure at all times. Evaluate the insurer’s customer support through reviews and ratings. 

7. Compare Costs and Value

When you buy travel insurance online, you will be able to compare the costs of different policies against the benefits offered. While price is important, ensure the policy provides comprehensive coverage and meets your family’s needs. 

Purchasing Family Travel Insurance Online

Follow these steps to buy family travel insurance online: 

1. Open the PhonePe app and select Travel Insurance in the insurance section. 

2. Now, select the destination, number of days, and the number of family members travelling. Mention kids and senior citizens separately. 

3. Compare various policy options and select one that matches your needs. Now provide personal details of all travellers. 

4. Pay for the plan to purchase it. 

Key Takeaways

The right family travel insurance, selected after careful consideration of your needs, lets you enjoy your trip with the confidence that your family members are protected. When travelling as a group, changes in travel plans due to unforeseen circumstances can be expensive. In such situations, family travel insurance comes to the rescue, provided you have weighed all your options and selected a plan that fully meets your needs. 

Consider platforms like PhonePe for a seamless and hassle-free insurance purchase experience.