family group travel insurance

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Free Time Tracking Apps
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Project Management Software
• Best Construction Project Management Software
• Best Task Management Software
• Free Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Loans for Bad Credit
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Free Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Jumbo CD Rates of April 2024
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

The Best Group Travel Insurance Companies of 2024

Buying group travel insurance for a trip can financially protect you and your travel companions if the itinerary doesn’t go as planned.

Taylor Medine started blogging about her experiences stretching a dollar in 2013 as a recent college grad. Eventually, that passion grew into a career studying personal finance topics and demystifying them for people like her — the everyday consumer. When she’s not writing, you’ll find her hunting for travel deals or trying (and often failing) at a DIY project.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

Based on our research, Travelex is our top recommended travel insurer for groups thanks to its streamlined enrollment process, which covers up to 10 travelers under one application. Its affordable policies are also beneficial for parents traveling with children — adult policies include one child under age 17 without an extra premium.

If you’re traveling with others, you may benefit from buying group travel insurance. Group travel insurance bundles coverage between family or friends taking the same trip, offering more affordable policies and convenience for the whole group.

Can You Get Travel Insurance for a Group?

Yes, you can get travel insurance for a group, but group members must have similar travel itineraries. Many travel insurance websites let you pull quotes and purchase group travel insurance plans online. Group coverage can be for family members or between friends.

Group travel insurance typically covers emergency medical expenses and evacuations, luggage loss or delay and cancellations due to sickness or death. Groups can also choose to tack on add-ons such as Cancel-for-any-reason (CFAR) coverage.

Top 7 Best Travel Insurance Group Travel Insurance Companies

Here are our top picks for companies that offer group travel insurance:

• Travelex : Our pick for families
• Faye: Our pick for an all-online experience
• Seven Corners : Our pick for international travelers
• Nationwide: Our pick for cruise travel
• Tin Leg: Our pick for customizable coverage
• AXA: Our pick for leisure travelers
• Allianz Global Assistance: Our pick for concierge services

We created a hypothetical group trip to gain an estimate of costs for each insurer. We based our cost analysis on a group of 10 traveling from Massachusetts to the Dominican Republic for two weeks in June. Five travelers are 34 years old, and five travelers are 40. The trip costs $2,500 per person or $25,000 total.

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Compare Travel Insurance Companies For A Group

Pros & Cons

Travelex is Our pick for families for group travel insurance. With a Travelex plan, you can cover up to ten people in your group under a single plan. This simplifies the enrollment and claims process and can help you save money compared to purchasing plans individually. Additionally, adults with a travel plan receive coverage for children under 17 for no additional cost. 

Travelex also offers a flexible cancellation policy, cancel for any reason coverage worth up to 75% of trip costs, and several plan add-ons. 

Add-on options 

• Adventure sports coverage
• CFAR coverage (up to 75% of trip costs) 
• AD&D and medical benefit upgrades 
• Car rental collision 

Faye Travel Insurance made our list of the best group travel insurance providers thanks to its convenient application process. With Faye’s automated underwriting, most applicants can buy travel insurance for a group in less than 10 minutes. You just have to enter each person’s email and date of birth to see group pricing.

You can adjust pricing data and add optional coverages from the purchase page, making Faye a good choice for quick, convenient quotes. If your trip is interrupted, Faye offers unique add-ons that suit a range of traveler needs, including rental car and pet coverage.

Add-on options

Faye travel insurance offers the following add-on options for group policies:

• Cancel for any reason (CFAR) coverage
• Rental car coverage
• Adventure and extreme sports protection
• Vacation rental damage protection

A group of 10 travelers taking a 14-day trip to the Dominican Republic valued at $10,000 can expect to pay $977 for coverage, which averages out to $98 per traveler.

We like Seven Corners coverage for international travel because even the most basic policies let you add Cancel for Any Reason (CFAR) coverage. This gives you the flexibility to call off a trip and get reimbursed for reasons not typically covered by insurance, like work or school obligations. For big groups putting down a large deposit on a getaway, this coverage can give you peace of mind.

Seven Corners also offers COVID-19 protections. For example, insurance coverage can reimburse you for medical costs if someone in the group catches COVID-19 during the trip. Seven Corners RoundTrip policies are underwritten by the United States Fire Insurance Company, which gets an A rating from AM Best.

Add-On Options

• Cancel for any reason coverage (CFAR)
• Trip interruption for any reason coverage
• Rental car damage coverage
• Sports and golf equipment coverage

Nationwide specializes in cruise travel insurance, a boon for groups taking to the high seas for a getaway. With cruise coverage, you can get reimbursed for costs incurred if a cruise line’s itinerary changes because of fire, mechanical problems or other issues.

Aside from those cruise-specific coverages, Nationwide provides other basic travel protections for emergency medical expenses and lost, stolen or delayed baggage problems. Nationwide policies don’t come with special pandemic coverage that some other insurers on our list, but they have medical expenses and cancellation coverages, which could pay medical costs and prepaid travel costs if you get sick while on your cruise.

You may be able to include the following add-ons to your policy:

• Cancel for any reason coverage (higher level plans)
• Rental car collision and loss coverage
• Accident death and dismemberment coverage

Tin Leg offers a variety of policies, giving passengers the ability to highly customize their trip insurance.

For example, the Tin Leg Adventure policy protects from sport-related problems, like lost equipment, equipment delivery delays and canceled sporting events fees. A policy like this can make sense if you’re planning a group golf or fishing trip, for example.

Different companies underwrite Tin Leg policies, and the AM Best rating for those companies varies. Berkshire Hathaway Speciality Insurance is one underwriter, and it has an A++ (Superior) AM Best financial strength rating. Spinnaker Insurance Company is another underwriter with an A- rating.

You may be able to include the following add-ons to premium policies:

• CFAR coverage

AXA offers one of the most affordable plans on our list, ideal for leisure and budget travelers. Basic insurance comes with trip cancellation and interruption coverage, plus protections for medical emergencies.

Cancel for any reason insurance isn’t available in AXA’s Silver policy plan, the  cheapest travel insurance  option. CFAR becomes an add-on option if you upgrade to a Platinum policy, but that costs more. In our trip scenario, the policy rate increased by more than 50% when pivoting from the Silver to the Platinum package.

Customizable add-ons are available if you upgrade from basic AXA coverage to more premium policies. With a premium plan, these add-ons may be an option:

• Collision damage waiver

Allianz Global Assistance is a popular travel insurance provider that serves more than 55 million customers. We like that Allianz Global Assistance provides a 24-hour concierge service you can use to plan trip events, make reservations and more.

Basic plans also come with pandemic coverage, so you won’t lose all your trip costs if you come down with COVID-19 before or during the trip. CFAR insurance is an add-on option if you upgrade to the company’s OneTime Prime or OneTime Premier plans.

• Rental car protection
• Cancel for any reason coverage (higher-level plans)

What Do Group Travel Insurance Policies Cover?

Travel insurance is financial protection you can buy to mitigate the risks associated with travel. It typically covers a range of potential mishaps, such as trip cancellations and lost baggage . Policies compensate you for non-refundable trip expenses, medical emergencies and evacuations. What is coverage and what is not depends on your specific policy details.

Some groups considering travel insurance may like the reassurance that their financial investment is protected in the face of unforeseen events. Group travel involves coordinating the plans and schedules of multiple people, making it more susceptible to disruptions caused by illness, flight delays and other unexpected incidents. Travel insurance can offer peace of mind by providing financial protection and streamlining the process of addressing unforeseen challenges.

Travel insurance coverage includes multiple types of protections, depending on the insurer. Common coverages include:

• Trip cancellation: Group travel insurance often includes trip cancellation as base coverage, reimbursing the costs of your prepaid, non-refundable trip expenses in case of an unforeseen event. To qualify for this coverage, a group member must suffer a qualifying event as named in the policy, like a storm causing a flight cancellation.
• Emergency medical: Depending on your health insurance provider, you could be liable for a percentage of any hospital bills you incur if injured outside the U.S. Emergency medical protection ensures that group members receive medical assistance and coverage for unexpected medical expenses while traveling. It covers illnesses, injuries, hospitalization and emergency medical evacuations.
• Travel delay : Insurance can compensate for additional expenses (accommodations, meals and transportation) incurred because of a covered delay, such as flight cancellations or severe weather waits for a cruise.
• Evacuation: Emergency evacuation coverage is important in remote and international destinations. It covers the costs of medically necessary evacuations, such as airlifting travelers to the nearest suitable medical facility if appropriate care is not available locally.
• Trip interruption: If your group’s trip is cut short because of unforeseen circumstances, such as a family emergency or severe illness, trip interruption coverage can help reimburse the unused portions of your trip. It can also cover the cost of booking new flights home, which is why it usually has a higher coverage percentage than cancellation coverage.
• CFAR coverage: CFAR coverage is an add-on that provides flexibility to cancel your trip for reasons outside those listed in your policy. While it often comes at an additional cost, CFAR allows you to recoup a significant portion of your prepaid expenses if you decide not to travel for personal reasons, providing an exceptionally high benefit for expensive group trips.

Common Add-ons

Add-ons for travel insurance can vary, but some may include:

• Accidental death and dismemberment coverage
• Sporting and golf equipment coverage

Considering COVID-19

We still live in a world where COVID-19 is an active virus that could throw a wrench into travel plans. Travel insurance may cover your group members if their trip is canceled or interrupted due to a medical illness, such as catching COVID-19. However, canceling due to fear of travel alone may not be covered. Reading the terms of your policy can help you understand how you’re protected.

How Much Does Group Travel Insurance Cost?

According to our research, the average cost of a travel insurance policy for groups is $335. However, the actual cost of your group plan may vary based on the number of travelers, traveler ages, destination, total trip cost and provider chosen.

Use the calculator below to help estimate the cost of your group’s travel insurance policy.

Factors Impact The Cost of Group Travel Insurance Cost

Many factors affect the cost of a group travel insurance policy, including:

• The number of people: The number of people traveling is the primary influence of price. For every person included in the policy, the insurer takes on a new level of risk by providing all travelers with individual protections. You can expect to receive a general discount for every traveler you add, but the overall cost goes up as your group size increases.
• The magnitude of the trip: The duration of your trip also adds more risk to the insurance provider, increasing costs. The longer your trip, the more opportunities for something to go wrong. If you’re traveling to a remote location where medical or political evacuation may be more likely, you can expect to pay more for travel insurance.
• The cost of the trip: Like individual travel insurance, your trip cost directly affects the coverage price. Trip cancellation and interruption levels depend on each individual’s non-refundable expenses. As individual trip costs increase, the total price of your trip coverage also increases.

Buying travel insurance as a group presents opportunities to save on individual coverage, but you can follow a few strategies to lower costs even more. Start by collecting quotes from each of the top group insurers on our list to see which offers the most affordable policy . Because of differences in underwriting processes, finding the same coverage at different prices between insurers is possible.

Tailoring the insurance plan to meet your group’s specific requirements is another good tactic that allows you to avoid unnecessary expenses and find adequate coverage. Weigh if you need any add-on coverages, and consider medical-only coverage if your group is less concerned about cancellations and interruptions. For frequent travelers, looking at annual policies covering multiple trips is a cost-effective alternative to buying separate policies for each journey.

Is Group Travel Insurance Worth It?

Getting group travel insurance with people sharing the same itinerary and travel reservations can make sense. Managing one policy can be convenient, and you’re aware that each person you’re responsible for on the trip has adequate protection.

For friends, students , and extended family coming from different places and meeting up at a location at different times, you’re better off going with separate coverage. That’s because you need to provide similar travel dates and the same trip destination to get a quote. And from a planning standpoint, it would likely be easier to manage policies for separate itineraries individually.

Frequently Asked Questions About Group Travel Insurance

Is it better to buy travel insurance as a group or individual.

It depends on your travel plans. If you’re traveling in a group with shared plans, buying group travel insurance can be an affordable and easy way to obtain coverage.

For people traveling from separate locations with different itineraries, getting individual policies is a better way to get the best coverage for everyone going on the trip.

What is group travel insurance?

Group travel insurance policies are travel insurance policies that cover several members, such as 10 or more, taking a trip together.

What is the difference between group travel insurance and individual travel insurance?

Group travel insurance policies are for larger groups. An individual travel insurance policy can cover you and other travelers, like your children or your partner — but it doesn’t cover members of a larger party like group travel insurance does.

Is it cheaper to get travel insurance as a group?

It depends. Factors like the trip cost and how many people are going can all contribute to the price. Comparing rates with different providers can help you find the most affordable policy with coverage that’s sufficient for your getaway.

Other Insurance Resources From MarketWatch Guides 

Gain insight into our ratings for the best home, renters, pet, travel or life insurance providers and find affordable recommendations for necessary insurance products.

• Prominent Pet Insurance Companies
• Premier Travel Insurance Companies
• Outstanding Homeowners Insurance Providers
• Top Renters Insurance Firms
• Budget-friendly Renters Insurance Providers
• National Term Life Insurance Providers
• Cost-effective Homeowners Insurance Companies

Methodology: Our System for Ranking the Best Travel Insurance Companies

• A 30-year-old couple taking a $5,000 vacation to Mexico.
• A family of four taking an $8,000 vacation to Mexico.
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom.
• A 30-year-old couple taking a $7,000 trip to the United Kingdom.
• A 19-year-old taking a $2,000 trip to France.
• A 27-year-old couple taking a $1,200 trip to Greece.
• A 51-year-old couple taking a $2,000 trip to Spain.
• Plan availability (10%): We look for insurers with a variety of travel insurance plans and the ability to customize a policy with coverage upgrades.
• Coverage details (29%): We review the baseline coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage earns full points, including baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons like accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that offer customers reimbursement after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

For more information, read our full travel insurance methodology.

A.M. Best Disclaimer

More Travel Insurance Guides

• Best covid travel insurance companies
• Best cruise insurance plans
• Best travel insurance companies
• Cheapest travel insurance
• Health insurance for visitors to usa
• Best senior travel insurance
• Best travel insurance for families
• Best student travel insurance plans
• Travel insurance for parents visiting USA
• Best travel medical insurance plans
• How much does travel insurance cost?

If you have questions about this page, please reach out to our editors at [email protected] .

More Travel Insurance Resources

U.S. News takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

The 5 Best Family Travel Insurance Plans

Travelex Insurance Services »

Allianz Travel Insurance »

Seven Corners »

World Nomads Travel Insurance »

AIG Travel Guard »

Why Trust Us

U.S. News evaluates ratings, data and scores of more than 50 travel insurance companies from comparison websites like TravelInsurance.com, Squaremouth and InsureMyTrip, plus renowned credit rating agency AM Best, in addition to reviews and recommendations from top travel industry sources and consumers to determine the Best Family Travel Insurance Plans.

Table of Contents

• Rating Details
• Travelex Insurance Services
• Allianz Travel Insurance

The best travel insurance plans can provide you with considerable peace of mind, but the real value comes into play when you wind up using your coverage. Hassles like flight delays, lost luggage and unexpected injuries can be stressful and traumatic, yet travel insurance can reimburse you for the financial costs associated with these mishaps.

If you are planning to travel with your entire family in tow, you already know that the stakes are higher and the potential for losses even greater. For example, you'll want to make sure children traveling with you have travel medical insurance as well as coverage for trip cancellations and interruptions.

You'll need to compare the best family travel insurance plans of 2023 if you want to find the right one for you and ensure each of your dependents is covered by your policy. U.S. News has compiled this guide to the best of the best when it comes to companies offering family travel insurance, since these top picks make it easy and affordable to add children to your plan.

• Seven Corners
• World Nomads Travel Insurance
• AIG Travel Guard

Best Family Travel Insurance Plans in Detail

Travel Select plan offers complimentary coverage for children 17 and younger

Primary coverage with no deductibles

Travel Select only includes up to $50,000 in protection for emergency medical expenses (optional upgrade available)

Meager policy limits ($200) for delayed baggage and sporting equipment

• Trip cancellation protection worth up to 100% of prepaid travel expenses (up to $50,000)
• Trip interruption coverage worth up to 150% (up to $75,000)
• Up to $2,000 ($250 per day) in coverage for trip delays
• $750 for missed connections
• $50,000 for emergency medical and dental expenses
• $500,000 in coverage for emergency medical evacuation and repatriation of remains
• $1,000 in insurance for baggage and personal effects

Single-trip travel insurance plans include free coverage for children ages 17 and younger

Allianz offers annual travel insurance plans for families

Not all plans cover kids for free

Get coverage for up to 10 people in a single policy

Generous policy limits for emergency medical expenses and evacuation

Kids aren't covered for free

Emergency dental coverage is capped at $750

• Trip cancellation coverage worth up to 100% of prepaid trip costs
• Trip interruption coverage up to 150%
• Trip delay coverage up to $2,000 ($250 per day)
• Up to $1,500 in protection for missed tours or cruise connections ($250 per day)
• Up to $500,000 in coverage for emergency medical expenses
• Up to $1 million in protection for emergency evacuation

Includes coverage for up to seven children on a single policy

Provides coverage for more than 200 adventure activities and sports

No free travel coverage for kids with paid adults

No option to customize coverage with CFAR protection

• Up to $100,000 in emergency medical insurance
• $500,000 in coverage for emergency medical evacuation
• $3,000 in insurance for lost baggage and belongings
• $10,000 in insurance for trip cancellation

Free coverage for one child 17 or younger with each paying adult relative on the plan

Choose from three tiers of travel protection based on your needs

Travel medical expense coverage is low ($15,000) with Essential plan

Essential plan also has low limits for baggage delays ($200) and lost or stolen luggage ($750)

• Up to 100% in coverage for trip cancellation
• 150% in coverage for trip interruption
• $1,000 in baggage insurance
• $300 in protection for baggage delays
• $50,000 in insurance for emergency medical expenses
• $500,000 in protection for medical evacuation

Family Travel Insurance: Coverages You'll Need

As you compare the best travel insurance plans for families, you might be wondering which types of coverage are most important. Ultimately, that depends on the cost of your trip, where you're traveling and the travel issues you worry about the most.

Frequent traveler Linda L. Adkins of Spokane, Washington, says she purchases travel insurance for every trip since her U.S.-based health insurance policy doesn't apply when her family travels overseas. She worries not only about emergency medical expenses that could come into play, but also about the high costs of medical evacuation if a family member needs to be transported a long distance or even back to the U.S.

Adkins has also endured scenarios where her luggage was temporarily lost by an airline while traveling internationally, and she says her delayed baggage benefit was useful when it came to purchasing clothing and toiletries. "I spent almost $100 per day for three days in a row while we waited for our bags," she says.

Adkins saved her receipts and received reimbursement through her travel insurance provider's baggage delay benefit.

U.S. News recommends having the following types of coverage (at a minimum) in place for every trip with kids:

• $50,000-plus in primary insurance per traveler for emergency medical expenses
• Coverage for COVID-19
• $100,000-plus in coverage for emergency medical evacuation
• Adequate protection for trip delays and lost or delayed baggage

Frequently Asked Questions

Credit card travel insurance can provide coverage for families, although the types and amounts of protection you receive can be limited. As an example, the Chase Sapphire Reserve credit card comes with trip cancellation coverage for up to $10,000 per person and up to $20,000 per covered trip, as well as lost luggage reimbursement worth up to $3,000 per passenger if the cardholder or an immediate family member has their luggage lost by a common carrier.

Fine print with the card also states that trip delay coverage can apply if common carrier travel gets delayed by more than six hours or requires an overnight stay, and that both the cardholder and their family members can be reimbursed up to $500 per ticket for incidental travel expenses including meals and lodging.

For credit card travel insurance to apply, the cardholder needs to pay for common carrier travel for all of their family members with the credit card in question. In other words, simply carrying a travel credit card with travel insurance benefits won't be enough.

Travel insurance plans are built to cover every person listed on the application for coverage. This means you can apply for travel insurance as an individual or as a family who wants all members covered under a single plan.

That said, some travel insurance plans are superior for families since they offer free coverage for dependents. Others offer comprehensive travel insurance policies that provide broad coverage for groups up to 10 people.

Why Trust U.S. News Travel

Holly Johnson is an award-winning content creator who has been writing about travel insurance and travel for more than a decade. She has researched travel insurance options for her own vacations and family trips to more than 50 countries around the world, and she has experience navigating the claims and reimbursement process. In fact, she has successfully filed several travel insurance claims for trip delays and trip cancellations over the years. Johnson also works alongside her husband, Greg – who has been licensed to sell travel insurance in 50 states – in their family media business.

You might also be interested in:

The Best Travel Medical Insurance of 2024

Holly Johnson

Explore protection options for unexpected health issues abroad.

Flight Insurance: The 4 Best Options for 2023

Protect your flight (and peace of mind) with the top coverage plans.

Cruise Insurance: Why You Need It + 4 Best Options for 2024

Protect your cruise journey from start to finish (and ports along the way).

The 5 Best International Travel Insurance Companies for 2024

Find the best international travel insurance coverage for all your trips abroad.

• Credit Cards
• All Credit Cards
• Find the Credit Card for You
• Best Credit Cards
• Best Rewards Credit Cards
• Best Travel Credit Cards
• Best 0% APR Credit Cards
• Best Balance Transfer Credit Cards
• Best Cash Back Credit Cards
• Best Credit Card Sign-Up Bonuses
• Best Credit Cards to Build Credit
• Best Credit Cards for Online Shopping
• Find the Best Personal Loan for You
• Best Personal Loans
• Best Debt Consolidation Loans
• Best Loans to Refinance Credit Card Debt
• Best Loans with Fast Funding
• Best Small Personal Loans
• Best Large Personal Loans
• Best Personal Loans to Apply Online
• Best Student Loan Refinance
• Best Car Loans
• All Banking
• Find the Savings Account for You
• Best High Yield Savings Accounts
• Best Big Bank Savings Accounts
• Best Big Bank Checking Accounts
• Best No Fee Checking Accounts
• No Overdraft Fee Checking Accounts
• Best Checking Account Bonuses
• Best Money Market Accounts
• Best Credit Unions
• All Mortgages
• Best Mortgages
• Best Mortgages for Small Down Payment
• Best Mortgages for No Down Payment
• Best Mortgages for Average Credit Score
• Best Mortgages No Origination Fee
• Adjustable Rate Mortgages
• Affording a Mortgage
• All Insurance
• Best Life Insurance
• Best Life Insurance for Seniors
• Best Homeowners Insurance
• Best Renters Insurance
• Best Car Insurance
• Best Pet Insurance
• Best Boat Insurance
• Best Motorcycle Insurance
• Best Travel Insurance
• Event Ticket Insurance
• Small Business
• All Small Business
• Best Small Business Savings Accounts
• Best Small Business Checking Accounts
• Best Credit Cards for Small Business
• Best Small Business Loans
• Best Tax Software for Small Business
• Personal Finance
• All Personal Finance
• Best Budgeting Apps
• Best Expense Tracker Apps
• Best Money Transfer Apps
• Best Resale Apps and Sites
• Buy Now Pay Later (BNPL) Apps
• Best Debt Relief
• Credit Monitoring
• All Credit Monitoring
• Best Credit Monitoring Services
• Best Identity Theft Protection
• How to Boost Your Credit Score
• Best Credit Repair Companies
• Filing For Free
• Best Tax Software
• Best Tax Software for Small Businesses
• Tax Refunds
• Tax Brackets
• Taxes By State
• Tax Payment Plans
• Help for Low Credit Scores
• All Help for Low Credit Scores
• Best Credit Cards for Bad Credit
• Best Personal Loans for Bad Credit
• Best Debt Consolidation Loans for Bad Credit
• Personal Loans if You Don't Have Credit
• Best Credit Cards for Building Credit
• Personal Loans for 580 Credit Score Lower
• Personal Loans for 670 Credit Score or Lower
• Best Mortgages for Bad Credit
• Best Hardship Loans
• All Investing
• Best IRA Accounts
• Best Roth IRA Accounts
• Best Investing Apps
• Best Free Stock Trading Platforms
• Best Robo-Advisors
• Index Funds
• Mutual Funds
• Home & Kitchen
• Gift Guides
• Deals & Sales
• Sign up for the CNBC Select Newsletter
• Subscribe to CNBC PRO
• Privacy Policy
• Your Privacy Choices
• Terms Of Service
• CNBC Sitemap

Follow Select

Our top picks of timely offers from our partners

These are the 4 best family travel insurance plans

Find coverage that fits your family's travel plans with these four companies..

Family vacations are a special time, and ensuring they go smoothly is essential to making memories that will last forever. Travel insurance is one way to ensure that any bumps in the road can be smoothed over, from a lost bag to an injury abroad.

CNBC Select reviews the best travel insurance plans for families based on coverage, cost and plan variety. (See our methodology for more information on how we choose the best family travel insurance companies.)

Best family travel insurance  

• Best for families with young children : Allianz   
• Best for affordability : Faye   
• Best for CFAR coverage : Travel Insured International  
• Best for cruises : Berkshire Hathaway Travel Protection  

Best for families with young children 

Allianz travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

• Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
• Limited coverage for risky sports

Who's this for? Allianz is great for families with young children as its OneTrip Prime travel insurance policy offers free coverage for children ages 17 or under when traveling with a parent or grandparent. Though this benefit isn't available to Pennsylvania residents, it could help families with younger children lower the cost of their travel insurance coverage.  

Standout benefits:  Allianz's cancel for any reason (CFAR) coverage has an enhanced version available that can cover up to 80% of trip expenses if you have to cancel for a reason that's not covered.  

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

Faye offers travel insurance with a convenient online buying experience and an app with real-time travel alerts. It's one simple plan includes coverage for common issues, like trip cancellation, emergency medical expenses and trip delay coverage. It also offers coverage for pre-existing medical conditions when plans are purchased within 14 days of an initial trip deposit.

• Covers Covid like any other medical condition
• CFAR is available for up to 75% of trip costs for an additional cost.
• Additional coverage options like vacation rental damage coverage and pet care coverage.
• Not all benefits are available in all states.

Who's this for?  Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for international trips. It's also great for those who want a completely digital experience and would rather manage a policy through an app than an agent or by phone.

Standout benefits:  Faye's intuitive interface makes it easy to get travel insurance coverage on your own time, and quotes are available entirely online. On top of the standard trip delay, cancellation and interruption coverage, you can purchase CFAR coverage, coverage for adventure and sports activities and a pet care add-on, which can cover illness or injury for your pet when traveling with you, or extra kenneling costs if your trip is delayed if you leave your pet at home.  

Best for CFAR coverage 

Travel insured international travel insurance.

Travel Insured International has two simple travel insurance plans — the Worldwide Trip Protector and Worldwide Trip Protector Gold. Its plans are affordable and offer the option of cancel for any reason (CFAR) coverage.

• Optional CFAR coverage and interruption for any reason coverage
• Medical coverage can be lower than other options

Who's this for?  Travel Insured International could be a great fit for families looking for the flexibility of a CFAR addition to ensure they'll be covered for any reason they need to cancel. The company's wide variety of reasons for cancellation includes coverage for school year extensions with all plans.  

Standout benefits:  Travel Insured International's Worldwide Trip Protector can cover all children 17 and under for free when traveling with related adults.  

Best for cruises  

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

• Wide variety of policies available
• Strong financial strength rating by AM Best
• Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for?  Berkshire Hathaway Travel Protection offers cruise-specific packages for families setting sail on a cruise.  

Standout benefits:  Cruise plans include coverage for missed connections and unique challenges you could face on a cruise vacation, like cruise disablement and diversion. 

More on our top family travel insurance companies 

Allianz offers 10 different travel insurance policies for travelers and trips of all types, including single-trip and multi-trip coverage. It also offers quotes and claims online, making the experience simple.  

CFAR coverage available?  

Yes, up to 80% of prepaid, non-refundable trip costs 

24/7 assistance?  

[ Return to summary ]  

While relatively new to the space, Faye's travel insurance plans combine affordability and easy access. Policies are backed by the United States Fire Insurance Company.  

Yes, up to 75% of prepaid, non-refundable trip costs 

Travel Insured International 

Travel Insured International has been offering travel insurance for over 25 years. It has two tiers of coverage (available in most states) that can help you meet all your travel protection needs.  

Berkshire Hathaway Travel Protection 

Berkshire Hathaway Travel Protection offers several tiers of travel protection and insurance, including packages specifically designed for road trips and cruises. Its strong A++ financial strength rating also helps it stand out against the competition.  

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

Generally, you can insure your whole family on one travel insurance plan, so you won't have to buy separate plans for every traveler. Your travel insurance plan will cover every person listed on the policy.  

Does travel insurance cover cancellation due to a death in the family? 

In many cases, travel insurance can help you recoup the cost of your vacation if you have to cancel due to a death in your family. However, you'll want to carefully read your policy's definition of a family member, as not everyone in your life could be included.  

Bottom line

A family vacation can be a big investment, so it's important to protect yourself in case anything goes awry. Having a travel insurance plan that's easy to access, provides 24/7 support and fits your specific travel concerns and budget can help ensure your trip will go smoothly.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance companies. 

Our methodology  

To determine the best travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on various factors. 

While narrowing down the best travel insurance companies, we focused on the number of plans available, the availability of 24/7 assistance to access while traveling, coverage for Covid-19, the availability of cancel for any reason coverage, and financial strength (which measures a company's ability to pay on contracts) using A.M. Best ratings. We also considered family-friendly features, such as the inclusion of children on policies for free with parent's coverage, and reasons for cancellation, including school year extension as a reason for cancellation.  

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.  

• These are the best homeowners insurance companies in Florida Liz Knueven
• First-time homebuyer grants: What you need to know Kelsey Neubauer
• Earn elevated perks during Amex's Platinum Card anniversary celebration Andreina Rodriguez

What is group travel insurance?

• Do I need it?

What does group travel insurance cover?

• How to get the best deal

What is group travel insurance, and should you get it instead of a regular travel insurance policy?

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Group travel insurance is a single policy that covers groups of 10 or more.
• Everyone in the group must have the same itinerary and travel to the same destination.
• Shop early and compare quotes to get the best deal.

Whether you're preparing for a large family reunion in another state, booking a business trip with colleagues, or traveling with your college crew to a new country, you might want to consider group travel insurance for the entire traveling party.

Here's what you need to know about group travel insurance — how to determine if you need it, different options, and tips to secure the best deal. 

Group travel insurance is a single travel insurance policy that protects everyone on a trip. Group travel insurance policies are available for groups of 10 or more. Unlike other insurance policies that only cover one person or one family, group travel insurance can cover any group traveling together. You do not have to be related.

Group travel insurance policies usually offer comprehensive coverage, including standard protections against lost luggage, legal fees, medical emergencies, trip cancellations, and more. 

The coverage you select applies to everyone in the group. Each group member can make individual claims, which is helpful if only one or two people need to make a claim. But if everyone is involved, the entire group can file claims. 

Do I need group travel insurance?

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. You can buy one policy instead of multiple. Plus, it might be cheaper.

But to make it work, your group needs to be organized. This is especially true if group members intend to split the cost of the policy. It's crucial to communicate well with the people in your group and ensure everyone is on the same page. 

Also note that there are many credit cards with travel insurance , though it won't cover everyone in a large traveling group. But if you're on the fence about travel insurance to begin with, paying for your travel with a card that offers some coverage is a good solution.

Most group travel insurance policies offer comprehensive coverage. Comprehensive policies usually cover common travel issues like cancellations and medical emergencies. 

Here's the coverage you can typically expect from a comprehensive group travel insurance policy. 

• Trip cancellation insurance: If you need to cancel your trip, this coverage reimburses you for the cost of travel. Each policy includes a list of cancellation reasons that are covered.
• Travel insurance for baggage: This covers the cost of stolen or missing luggage.  
• Emergency medical evacuation insurance: Covers the cost of transportation from one location to another due to an emergency medical situation.
• Travel medical insurance: If you need medical care due to illness or injury while you're traveling, this part of the policy covers the cost. 
• Trip interruption travel insurance: If you have to cut your trip short due to an unforeseen emergency, this helps pay for travel plan changes. 
• Trip delay travel insurance: If there are delays to your flight or another aspect of your trip, this covers extra costs associated with the delay. It might include reimbursement for meals or hotel expenses. 

How to get the best deal on group travel insurance

Depending on the details of your trip, group travel insurance might be cheaper than purchasing individual policies for each traveler. But that is not always the case.

As you shop for group travel insurance, there are steps you can take to ensure you get the best deal.

Get multiple quotes

It's smart to get quotes from several providers so you can compare coverage options and pricing. You can use a travel insurance comparison site like SquareMouth or TravelInsurance.com, or you contact providers directly. Once you know the price range for protection, you can select the provider that seems like the best fit. 

Last-minute travel coverage is usually more expensive than shopping in advance. As soon as you know the itinerary and have your travel booked, start looking for coverage to find the best deal. Plus, your policy kicks in right away, which is helpful if an event occurs in the lead-up to a trip. 

Understand the coverage

Dig through the policy details, including coverage details and deductibles. If you don't need specific coverage, ask if you can remove it. Similarly, you might be able to raise your deductible and lower your premium. But it's essential to ensure you can afford the deductible amount if you need to file a claim. 

Group travel insurance frequently asked questions

Group travel insurance is a single policy that covers 10 or more people traveling together. Group members can file individual claims, but everyone on the policy has the same protection, and there's one price for the coverage. Individual travel insurance covers one person or one family. The coverage options are similar for both.

Individual travel insurance policies cover one person. You can usually add immediate family members like your spouse or children to the policy. Group travel insurance covers groups of 10 or more. 

Multi-trip insurance, also called annual travel insurance , is a travel insurance policy covering every trip you take in one year. It's an annual policy that only protects the policyholder. 

Most of the top travel insurance companies offer group policies, including Allianz Travel Insurance , AXA Travel Insurance , Seven Corners Travel Insurance , and Tin Leg Travel Insurance . If you don't have a particular provider in mind, consider using a site like SquareMouth that compares quotes from multiple insurers.

• Main content

Our products and plans are tailored to fit your needs based on your country of residence. If you are not a US resident, please select your country of residence below to receive travel insurance plans tailored to your needs.

Not a US Resident?

Welcome to Advisor Connect (formerly Agentlink). Log into our new user-friendly travel insurance plan booking platform. This enhanced platform has a full suite of tools designed to help our travel advisors and other Travel Guard partners quote and offer travel insurance plans to clients.

If you are having problems logging in or can’t remember your username or password, please contact our Travel Guard Tech Support at 866-729-5215; Monday - Friday 7 a.m. to 6 p.m. CDT.

The California Consumer Privacy Act gives California residents the right to opt-out of the sale or sharing of their personal information. A “sale” is the exchange of personal information for payment or other valuable consideration and includes certain advertising and analytics practices. “Sharing” means the disclosure of personal information for behavioral advertising purposes, where the information used to serve ads is collected across different online services.

Opt-out from the sale or sharing of your personal information.

Your request to opt out will be specific to the browser from which you submit your request, and you will need to submit another request from any other browser you use to access our website. Additionally, if you clear cookies from your browser after submitting an opt-out request, you will clear the cookie that we use to honor your request. For this reason, you will have to submit a new opt-out request.

For information about our privacy practices, please review our Privacy Policy .

We have received your request to opt out of the sale/sharing of personal information..

More information about our privacy practices.

‹ Traveler Types

Family Travel Insurance Plans

Understand the importance of family travel insurance plans for your next vacation and make sure you’re covered with the right Travel Guard® plan.

Traveling with your family is an amazing way to create lasting memories. While a travel insurance plan is important for any trip, it can be especially helpful when you’re traveling with kids or extended family members like grandma and grandpa. Coordinating schedules to plan your family vacation is hard enough, let a Travel Guard travel insurance plan help protect your travel investment so you can focus on the fun.

Ready to book your family travel?

Travel Guard’s award-winning travel insurance plans provide excellent coverage options and access to 24-hour emergency travel assistance. Compare our travel insurance plans to find the best option for your family travel. Get travel insurance the way you want it!

What is a family travel insurance plan?

Family travel insurance plans offer the coverage and benefit limits you need for all of your family members. Every family is unique, and there’s no one-size-fits-all travel insurance plan for every family. That’s why Travel Guard travel insurance plans offer customizable options so you can build the plan that works best for your family. 

What does a family travel insurance plan cover?

Look for a plan that has the coverage and benefit limits your family needs. Popular plan features include: 

• Medical expense coverage
• Pre-existing medical condition exclusion waiver – great if you’re traveling with grandparents or family members who may have health conditions (if purchased within 15 days of initial trip deposit)
• Trip cancellation/interruption coverage
• Missed flight connection assistance
• Baggage coverage
• Car rental coverage (optional add-on coverage)
• Cancel For Any Reason (optional add-on coverage available with certain plans)
• Pet bundle – traveling with your furry family members, make sure they have coverage too (optional add-on coverage available with certain plans)
• Emergency travel assistance – specialized representatives are available 24/7 to help

Do I need a family travel insurance plan?

For any trip, it’s smart to protect your travel investment, but when you’re traveling with your family it can be even more important. Traveling with multiple family members can mean increased flight and hotel costs as well as more opportunities for the unexpected to arise. All of Travel Guard’s travel insurance plans come with access to our specially trained representatives for 24/7 emergency travel assistance . Our staff can help with anything from rebooking missed flights to finding quality medical care while you’re traveling – so you can focus on family. We know you have enough to worry about when traveling with family, let Travel Guard help with the unexpected. 

Which Travel Guard travel insurance plan is best for my family trip?

Travel Guard’s Preferred Plan is a great option for families traveling together. With the most optional add-on coverages available, our Preferred Plan is customizable to fit your exact needs. If you’re traveling with grandparents or family members with health conditions, you might want to look at our Deluxe Plan , which offers the highest medical expense benefit limits.

Are kids included on Travel Guard travel insurance plans?

Travel Guard’s Deluxe , Preferred and Essential plans all include family coverage. One child who is age 17  or under, and is booked to travel with (and is related to) the primary adult named on the policy, is included in the rates for each paying adult.  Note that this does not apply to optional coverages, and the child’s trip cost must be equal to or less than the adult traveler(s) trip cost. 

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. For example, if the plan lists $50,000 in medical expense coverage on your schedule of benefits, you will have up to $50,000 in coverage for each individual covered under the policy. 

Why book your family travel insurance plan through Travel Guard?

Travel Guard is one of the world’s leading travel insurance providers with a network of service centers located in Asia, Europe and the Americas, ensuring the highest quality emergency travel services and medical assistance while you’re traveling. With early purchase benefits and optional add-on coverages, you can customize the plan and coverages you need for your family. 

Get travel insurance the way you want it!

Reviews and testimonials.

“I travel often, for business and pleasure. I will never travel again without travel insurance.”

Last year I traveled with my daughter, who is an athlete who competes in tournaments worldwide.  I had not purchased travel insurance, and she was injured, requiring a hospital visit.  It was a nightmare when we returned, and I tried to get reimbursed through her health care provider for an out-of-network, out-of-country, hospital visit.  This year, I purchased travel insurance for us both through Travel Guard – but for me it was just an after-thought – it never occurred to me that I would need it.  Just three days into a 10-day trip to London, I received news that my father was placed in hospice and had little time to live.  I immediately made arrangements to return to the U.S. with the assistance of my agent, who was great at finding me a flight and making all the arrangements for my return.  The claim process was very easy for that emergency travel.  I travel often, for business and pleasure.  I will never travel again without travel insurance.  It really gives you peace of mind that you can return, if necessary, without any hassle or delay

- Elizabeth, GA.

Discover more about family travel

Destination guides.

Travel Safety

Travel News

Call us at: 800-826-5248

Travel Guard on Facebook Travel Guard on LinkedIn Travel Guard's You Tube Channel

Travel Insurance Education Center Our Plans Compare Plans Coverage Information Frequently Asked Questions Get a Quote Non-US Residents COVID Information

Traveler Resources Travel Safety Travel News Travel Tips

Travel Guard About Us Contact Us Press Releases Careers Sell Travel Guard Affiliate Program Media Contact

Self Service Help Center Get a Quote View My Policy Modify My Policy Cancellations & Refunds Claims Strike List Alert List Certificate of Insurance Library

Copyright © 2024, Travel Guard. Non insurance services are provided by Travel Guard. Terms of Use    |    Privacy Policy    |    Accessibility Statement    |    Our Underwriter   |   Do Not Sell or Share My Personal Information   |   About AIG Ads

Coverage available to U.S. residents of the U.S. states and District of Columbia only. This plan provides insurance coverage that only applies during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home, and automobile insurance policies. If you have any questions about your current coverage, call your insurer or insurance agent or broker. Coverage is offered by Travel Guard Group, Inc. (Travel Guard). California lic. no.0B93606, 3300 Business Park Drive, Stevens Point, WI 54482, travelguard.com . CA DOI toll free number: 800-927-HELP . This is only a brief description of the coverage(s) available. The Policy will contain reductions, limitations, exclusions and termination provisions. Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa., a Pennsylvania insurance company, with its principal place of business at 1271 Avenue of the Americas, 37th FL, New York, NY 10020-1304. It is currently authorized to transact business in all states and the District of Columbia. NAIC No. 19445. Coverage may not be available in all states. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. The purchase of travel insurance is not required in order to purchase any other product or service from the Travel Retailer.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

5 Tips for Booking Group Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

1. Purchase early

2. get multiple quotes, 3. negotiate discounts, 4. opt for flexible insurance, 5. consider travel card travel insurance, types of travel insurance, if you want to book group travel insurance.

Are you planning a group travel event? Maybe you have a large family, or you’re heading to an event hosted by your employer. Whatever the case, you may be looking to purchase travel insurance for your time out of town; but since there are so many of you, it may make sense to purchase group travel insurance instead.

So, is it better to buy travel insurance as a group or individual? The short answer is that it depends.

If this is something you’re considering, read on to discover the different types of travel insurance, where to find group travel insurance plans and other tips for booking this type of insurance.

After you’ve figured out what you’re looking for, there are still a few things for you to consider before buying your insurance. Here are our top tips.

Navigating travel insurance can be overwhelming on its own and can be compounded when you’re traveling with a group. Since every traveler will have different needs, you’ll likely want to get the most comprehensive insurance available. That means buying early .

There are certain time limitations to specific types of insurance. Specifically, both pre-existing condition insurance and Cancel For Any Reason insurance are time sensitive.

Pre-existing medical condition insurance can generally be purchased from 10 to 21 days after first putting down a deposit on your trip.

Cancel For Any Reason insurance also typically needs to be purchased from 10 to 21 days after putting down your deposit.

After these time frames, these insurances become unavailable and anyone in your group needing them will have to look elsewhere.

You’ll also need to purchase travel insurance before an incident occurs. If you break your leg just before your trip but haven’t purchased insurance yet, it won’t cover the costs for cancellation.

Not only do travel insurance companies sell different types of insurance, but they price it differently as well. This is true for travel insurance for groups and individual insurance. This means you’ll want to get more than one quote for your travel insurance.

We tested the waters with our own search. In it, we put down a group of nine travelers heading overseas for a two-week vacation. The average cost for each traveler was $4,500 and their ages ranged from 35 to 55.

An insurance search comparison tool like Squaremouth can show you a variety of options for a given trip. In this example, it came back with a quote of $2,431 all-in. The other option we looked into, Seven Corners , returned a cost of $2,286.

» Learn more: How to find the best travel insurance

This tip is more applicable to those with larger groups or those who may be traveling more often. If, for example, you’re a corporate customer whose employer is planning on quite a few conferences, you’ll likely need to purchase group travel insurance more than once.

With the power of a crowd or the promise of additional business, you may want to consider contacting your travel insurance company directly to negotiate a better rate for your group.

» Learn more: What does travel insurance cover?

The needs of the many necessitate flexibility, and nowhere is this more evident than when trying to purchase a group travel insurance policy. We noted earlier that you’ll want to opt in early if you’re looking for the best coverage availability.

Because you’re traveling with a group, you’ll also want to choose insurance that gives you flexibility. This can come in many forms. Some insurances will provide you with reimbursement if you’re laid off, for example. Others will allow you to purchase an add-on that allows you to cancel for any reason.

It may be more expensive, but you’ll likely want to choose those additional coverages for your group insurance so that everyone is covered for a variety of incidents.

Finally, you’ll also want to consider flexibility when it comes to a return period. Insurance providers will generally offer money-back guarantees on their policies. The amount of time you’ll have to consider your decision will depend on your plan. This can range from 10 to 14 days, but it can span a longer period.

» Learn more: Is travel insurance worth it?

Did you know that many travel cards come with their own form of complimentary travel insurance? Coverage limits and types will depend on the card that you hold, but generally, you can expect to see things like rental car insurance, lost luggage insurance, trip cancellation insurance and trip delay insurance.

Your group may even be covered when an individual uses their card to pay for the trip. With the Chase Sapphire Reserve® , for example, the cardholder and their family members are all covered in the event something goes awry. Covered travelers include:

Stepparents.

Aunts and uncles.

Grandparents.

Legal guardians.

Nieces and nephews.

Parents and siblings.

That’s quite a range!

The Platinum Card® from American Express also features travel insurance, though its definitions for who is covered are even broader. You’ll still need to pay for the trip with your eligible card, but you, your family members and your traveling companions all qualify for this insurance.

Note that a traveling companion is someone who has made advanced arrangements with you or your family members to travel together on a covered trip. Terms apply.

However, before you go all-in on travel card insurance , you’ll want to review the coverage limits. With a large enough group, you may find that the complimentary insurance offered by your card isn’t sufficient for your needs.

» Learn more: The best travel credit cards right now

Before you begin searching for travel insurance, you’ll first want to figure out what you’re looking for. Different companies will sell different types of travel insurance with varying levels of coverage, and the price changes to match.

Most often, you can expect to find these varieties of travel insurance available for purchase:

Accidental death insurance .

Baggage delay and lost luggage insurance .

Cancel for Any Reason insurance .

Emergency evacuation insurance .

Medical insurance .

Rental car insurance .

Trip cancellation insurance .

Trip delay insurance .

Trip interruption insurance .

Most individuals purchase base level travel insurance coverage and then customize their plan to better fit their specific trip needs. Cancel For Any Reason insurance is a popular add-on; while it's an upcharge, it can help you get back up to 75% of your nonrefundable travel expenses.

Travel insurance can provide peace of mind when you’re away from home, and there’s no reason why groups shouldn’t want it, too. Before purchasing a group policy, make sure you’re getting multiple quotes and searching for flexible plans so that everyone has what they need.

Finally, check out your travel card to see if its complimentary insurance that fits with your travel plans.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

on Chase's website

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Agent Information

Group travelers.

Travel is better together, and the best thing you can do for your group is to keep everyone safe and protected on your trip. Contact a Seven Corners licensed agent to get the best travel insurance for groups.

Lead Your Team with Confidence

From school trips to friends’ getaways to vacations with the entire extended family, travel insurance for groups is a must-have. Seven Corners can help everyone protect the money they’ve spent for their trip and be prepared in case of a medical emergency while traveling. When they’re relying on you, you can rely on us.

Protection Wherever Your Group Goes

Traveling outside the U.S. with your crew? You want travel medical insurance. Worried about cancellations and lost baggage, regardless of whether it’s a domestic or international trip? You want trip protection. We’ll help you get the right plan for your group on the go.

Protection for Your Trip Expenses

Protection for your health, protection for your belongings, political or security evacuation, natural disaster evacuation, 24/7 emergency travel assistance services, travel insurance tips.

← Return to Blog

Category: group-travelers

Is Travel Medical Insurance Affordable and Worth the Cost?

Felipe’s Emergency Medical Evacuation from Myanmar

303 Congressional Blvd.

Carmel, Indiana 46032

Our Markets

• Consumer Insurance
• Government Solutions
• Trip Protection
• Trip Protection Annual Multi-Trip
• Trip Protection USA
• Travel Medical
• Partnerships
• 24 Hour Urgent Travel Assistance
• Frequently Asked Questions
• Developer Portal
• System Status

[email protected]

Copyright © 2024 Seven Corners Inc. All rights reserved.

Privacy   |   Cookies   |   Terms of Use   |   Security

Do You Need Group Travel Insurance?

Group travel insurance can help protect you from financial losses while traveling with multiple people..

AFCPE Accredited Financial Counselor

6 years experience in the personal financial industry

Theresa is a writer and former financial advisor with experience helping clients solve money challenges. She uses her expertise to clarify complex personal finance concepts.

Read Editorial Guidelines

Featured in

15+ years in content creation

7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

Updated October 10, 2023

Table of contents

• Group travel insurance
• How it works
• Who should consider it
• Filing a claim
• Choose the best insurance

Group travel is an exciting way to explore the world while making deeper connections with your fellow travelers. But like any form of travel, it comes with certain risks.

Enter group travel insurance — a type of insurance policy that helps protect you and your travel companions from unexpected events, including medical emergencies and flight delays or cancellations.

Here’s what you need to know about group travel insurance, how it works, and when it might make sense for you to add it to your trip plans.

What is group travel insurance, and why is it important?

Group travel insurance is a type of insurance policy that covers a group of people taking a trip together. This could include families, friends, school groups, or sports teams. While what’s considered a group varies by insurer, it generally refers to 10 or more people traveling together.

Group travel policies and individual travel policies are similar in that they both provide coverage for common travel-related risks, including trip cancellation, lost luggage, and medical costs. Group travel insurance extends this coverage to a larger number of people.

When deciding whether to insure a group of travelers, travel insurance companies typically look at the number and ages of the people traveling, the total trip cost, and the destination. Some insurers may also impose age restrictions for group travel insurance. That’s why it’s important to carefully review the terms and conditions of your group travel policy to understand its specific coverage, limits, and exclusions.

How group travel insurance works

If you’re thinking about purchasing group travel insurance, it’s helpful to understand how it works and what you can expect to pay for coverage. Here’s what you need to know to make an informed decision.

Coverage options

The type and amount of group travel coverage you need depends on the needs of your specific group. Coverage options may include but aren’t limited to trip cancellation, travel delay, emergency medical care, trip interruption, and medical evacuation. Generally, travelers must be going to the same destination and have similar travel dates to qualify for group coverage.

Cost of group travel insurance

In general, you can find plans for as low as $600 and up to $1,600 or more depending on the coverage offerings. [1]

The cost of group travel insurance depends on your trip details, including your destination, group size, ages of travelers, and trip duration. International travel may cost more than travel within the U.S.

Group travel insurance policies usually have different tiers. For example, Allianz offers basic, prime, and premier group travel insurance plans. As the name suggests, the basic plan offers the least coverage and benefits but has the cheapest rate.

Here are the potential costs of an Allianz travel insurance policy for a group of six people aged 30 to 50 traveling to Spain for one week.

Basic group travel plan: $844 ($140.67 per traveler)

Prime group travel plan: $1,147 ($191.17 per traveler)

Premier group travel plan: $1,524 ($254 per traveler)

Benefits of group travel insurance

Group travel insurance policies offer various benefits to travelers, including:

Financial protection

Group travel insurance offers financial protection from a range of potential risks. For example, if you have to cut your trip short due to a covered injury or illness, group travel insurance may reimburse nonrefundable expenses, such as prepaid hotel stays. [2]

Emergency medical care coverage

Doctor’s visits and emergency evacuation are usually covered under group travel insurance. Additionally, some insurers started providing epidemic coverage during the COVID-19 pandemic.

Trip interruption and cancellation coverage

Trip cancellation coverage offers reimbursement if someone in the group has to back out due to sickness, a death in the family, or other situations covered by the policy.

Similarly, if you or another person in the group has to leave a trip early due to a covered reason, trip interruption travel coverage reimburses you for certain nonrefundable expenses, such as the unused portion of your hotel stay.

Baggage loss coverage

Baggage loss coverage will reimburse you for your missing luggage and personal items, usually up to a specific dollar limit — such as $200 or $500, but the exact limit varies by insurer. [3]

Peace of mind during travel

You’ve put time, effort, and money into planning the perfect adventure. Group travel insurance can provide peace of mind, knowing you’ve done everything you can to ensure your trip’s success.

Who should consider group travel insurance?

If you fall under one of the categories below, group travel insurance may be worth looking into before your trip.

Business groups: Companies organizing conferences, retreats, or other business trips for employees may want to consider group travel insurance.

Student groups: Group travel insurance can protect students and teachers during field trips, study abroad programs, or other types of travel.

Family groups: If you have a large family, group travel insurance can provide coverage for all family members, for a single trip, under one policy.

Sports groups: Sports teams traveling for competitions and tournaments may opt for group travel insurance to protect athletes and staff.

Wedding parties: Couples planning destination weddings may arrange group travel insurance for their wedding party and guests.

How to file a group travel insurance claim

Filing a claim on your group travel insurance policy includes the following steps.

1. Collect required documentation

The specific documentation will vary depending on the insurer’s requirements and claim type but may include:

Completed claim form

Copies of your medical bills

Hospital discharge paperwork

Copy of your passport

Copy of your airline ticket and boarding pass

Letter from your airline confirming your lost luggage

Receipts for missing items purchased due to lost or delayed luggage, such as toiletries or clothing

2. File the travel insurance claim

Filing a travel insurance claim follows a similar process to any other insurance claim. You should notify your insurer, ask any questions you have about your coverage, and gather supporting information and documents.

Some insurers have an online portal that allows you to file claims and upload required documentation all in one place.

3. Settle the claim

The time it takes to process and settle a group travel insurance claim depends on the type of claim and the documentation required.

After filing a claim, keep an eye on your email, as your insurer may contact you for clarification or additional proof. Responding to such communications quickly ensures your claim won’t have any delays.

How to choose the best group travel insurance

Here are some tips to help you choose the best group travel insurance plan for you:

Understand the needs of your group

Start by understanding the needs of your group and making sure the coverage works for everyone. For example, if someone in your group has pre-existing medical conditions, you want to make sure it’s covered under the policy.

Compare different insurers

Rates and coverage vary by insurer, so comparing group policies from multiple insurers is one of the best ways to find a plan that works for you and your fellow travelers.

Assess the coverage options

Carefully review the coverage options offered by the policy to determine if it’s adequate for your group’s specific needs. Don’t hesitate to reach out to the insurance company to clarify any of the coverage details.

Group travel insurance FAQs

If you’re planning for an upcoming group trip, this additional information may help as you research your travel insurance options.

Can you buy travel insurance for a group?

Yes. You can generally buy travel insurance for a group of people. However, some insurers may have restrictions based on group size, how many days of travel are planned, and the trip destination. Enter your trip details into an insurance-comparison website to view plans your group may qualify for.

Is it better to buy travel insurance as a group or individually?

It depends. Whether you should purchase an individual or group travel insurance plan varies depending on your specific situation. The main benefits of group travel insurance are convenience and potential cost savings. If you’re on the fence, compare options for individual plans and group travel insurance coverage, considering price, coverage, limits, and exclusions.

How many people are required to qualify for group travel insurance?

This varies by the insurance company, but generally, groups of 10 or more people are eligible for a group travel insurance policy.

What happens if a member of the group falls ill or has an accident?

If someone in your group becomes ill or injured, the first thing to do is seek medical attention if needed. Once you’ve addressed immediate medical needs, you should notify your insurance company and ask how to file a claim. You should be able to submit a claim against your group travel insurance policy through the company’s website, mobile app, or over the phone.

Related articles

• Airbnb Travel Insurance: What Guests Should Know

Travel Medical Insurance: What to Know

• Does Travel Insurance Cover Pre-Existing Conditions?

Visitor Insurance for Parents: What to Know

• What Is Cancel For Any Reason (CFAR) Travel Insurance?
• Cheapest Travel Insurance

What Does Cruise Insurance Cover?

• MarketWatch . " Top 6 Travel Insurance Companies for Group Travel Insurance ."
• Forbes . " When Do You Need Group Travel Insurance? ."
• Insuremytrip.com . " Baggage Loss & Delay Coverage ."

Theresa Stevens is a personal finance writer based in Boston, Massachusetts. Her work has been featured in Forbes Advisor, Bankrate, and more. As a former financial advisor, she has first-hand experience helping people solve their money challenges. When she's not writing, you'll find her trying out new karaoke spots or planning her next trip abroad.

Latest Articles

Cheapest Travel Insurance (May 2024)

Travel insurance can be beneficial, especially for people traveling to risky areas and people with health concerns.

How to Find the Best Travel Insurance for Seniors

Travel insurance can be beneficial for senior travelers, especially those with health concerns. Find out how you can secure your next trip.

Cruise insurance is a type of travel insurance that can include international medical insurance, trip delays, and complete cancellation of your trip.

Learn how to find visitor insurance for parents, why you need it, and the best companies offering medical coverage for visitors from abroad.

Is Flight Insurance Worth It?

Is flight insurance worth it? Weigh the pros, cons, typical costs, and coverage options to decide whether it’s worth purchasing.

Travel medical insurance can provide financial protection in case of unforeseen circumstances while traveling, such as illness or medical emergencies.

June 1, 2020

Due to travel restrictions, plans are only available with travel dates on or after

Due to travel restrictions, plans are only available with effective start dates on or after

Ukraine; Belarus; Moldova; North Korea; Russia; Israel

This is a test environment. Please proceed to AllianzTravelInsurance.com and remove all bookmarks or references to this site.

Use this tool to calculate all purchases like ski-lift passes, show tickets, or even rental equipment.

Travel Insurance for Family Trips: When You’re Paying, What’s Covered?

Get a Quote

{{travelBanText}} {{travelBanDateFormatted}}.

{{annualTravelBanText}} {{travelBanDateFormatted}}.

If your trip involves multiple destinations, please enter the destination where you’ll be spending the most time. It is not required to list all destinations on your policy.

Age of Traveler

Ages: {{quote.travelers_ages}}

If you were referred by a travel agent, enter the ACCAM number provided by your agent.

Travel Dates

{{quote.travel_dates ? quote.travel_dates : "Departure - Return" | formatDates}}

Plan Start Date

{{quote.start_date ? quote.start_date : "Date"}}

Share this Page

• {{errorMsgSendSocialEmail}}

Your browser does not support iframes.

Popular Travel Insurance Plans

• Annual Travel Insurance
• Cruise Insurance
• Domestic Travel Insurance
• International Travel Insurance
• Rental Car Insurance

View all of our travel insurance products

Terms, conditions, and exclusions apply. Please see your plan for full details. Benefits/Coverage may vary by state, and sublimits may apply.

Insurance benefits underwritten by BCS Insurance Company (OH, Administrative Office: 2 Mid America Plaza, Suite 200, Oakbrook Terrace, IL 60181), rated “A” (Excellent) by A.M. Best Co., under BCS Form No. 52.201 series or 52.401 series, or Jefferson Insurance Company (NY, Administrative Office: 9950 Mayland Drive, Richmond, VA 23233), rated “A+” (Superior) by A.M. Best Co., under Jefferson Form No. 101-C series or 101-P series, depending on your state of residence and plan chosen. A+ (Superior) and A (Excellent) are the 2nd and 3rd highest, respectively, of A.M. Best's 13 Financial Strength Ratings. Plans only available to U.S. residents and may not be available in all jurisdictions. Allianz Global Assistance and Allianz Travel Insurance are marks of AGA Service Company dba Allianz Global Assistance or its affiliates. Allianz Travel Insurance products are distributed by Allianz Global Assistance, the licensed producer and administrator of these plans and an affiliate of Jefferson Insurance Company. The insured shall not receive any special benefit or advantage due to the affiliation between AGA Service Company and Jefferson Insurance Company. Plans include insurance benefits and assistance services. Any Non-Insurance Assistance services purchased are provided through AGA Service Company. Except as expressly provided under your plan, you are responsible for charges you incur from third parties. Contact AGA Service Company at  800-284-8300 or 9950 Mayland Drive, Richmond, VA 23233 or [email protected] .

Return To Log In

Your session has expired. We are redirecting you to our sign-in page.

Pardon Our Interruption

As you were browsing something about your browser made us think you were a bot. There are a few reasons this might happen:

• You've disabled JavaScript in your web browser.
• You're a power user moving through this website with super-human speed.
• You've disabled cookies in your web browser.
• A third-party browser plugin, such as Ghostery or NoScript, is preventing JavaScript from running. Additional information is available in this support article .

To regain access, please make sure that cookies and JavaScript are enabled before reloading the page.

Customer Support

+1 949 864 6017

• International Travel Insurance
• Visitor / Immigrant Insurance
• Senior Travel Insurance
• Business Travel Insurance
• Travel Insurance For Schengen Visa
• Student Insurance Plan
• How It Works
• Manage Your Policy
• Book Appointment
• Get A Quote

My Profile Details

Make payment history, difference between group and family travel insurance.

Travel insurance plays a pivotal role in ensuring a smooth and secure journey, offering protection against unforeseen events. When it comes to choosing the right insurance, understanding the difference between group and family travel insurance is essential. Travelner Insurance will delve into the nuances, guiding you towards an informed decision for your upcoming adventures.

Travel insurance ensures a secure journey, distinguishing between group and family policies. 

1. Understanding Group Travel Insurance vs. Family Travel Insurance

Whether you're planning a group adventure with friends or embarking on a family vacation, understanding the differences between group travel insurance and family travel insurance is crucial for making informed decisions and safeguarding your travel experiences. Let’s point out the basic features of these policies before exploring the difference between group and family travel insurance with Travelner Insurance.

1.1. Group Travel Insurance:

Group travel insurance is designed for a collective of individuals embarking on a journey together. It caters to the specific needs of groups, such as friends, colleagues, or organizations. The policy typically covers a range of scenarios, from trip cancellations to medical emergencies, tailored to the dynamics of group travel.

1.2. Family Travel Insurance:

On the other hand, family travel insurance is tailored to provide coverage for individual family units. It extends beyond the family, often including extended family members. The policy considers the unique requirements of families, ensuring that everyone, from children to grandparents, is covered adequately.

2. Difference Between Group and Family Travel Insurance

When it comes to choosing the right travel insurance, it's essential to weigh the options that cater to your group or family's unique circumstances. Let's delve into the difference between group and family travel insurance to help you make an informed decision.

2.1. Group Travel Insurance:

Group travel insurance often offers cost-effective options, considering the shared risk within the group. However, it may have limitations on individual customization, focusing more on collective needs. This insurance is ideal for groups with similar travel plans and risk profiles.

Group travel insurance provides cost-effective solutions for shared risk, but may limit individual customization. 

2.2. Family Travel Insurance:

In contrast to group travel insurance, family travel insurance offers a more individualized approach, considering the diverse needs of each family member. This type of insurance allows for customization based on factors such as age, health conditions, and specific requirements.  By tailoring the coverage to each family member's unique circumstances, family travel insurance ensures that everyone receives adequate protection throughout the journey. The comprehensive nature of family travel insurance extends beyond the basic coverage, taking into account the specific dynamics of family vacations. This includes considerations for children, elderly family members, and individuals with pre-existing health conditions. 

3. Explore the Pros & Cons of Group Travel Insurance vs. Family Travel Insurance

The choice between group and family travel insurance hinges on factors like budget, the degree of customization required, and the complexity of coordinating coverage for the intended travelers. Therefore, you should carefully consider these pros and cons, because it will assist in selecting the most suitable insurance option for the unique needs of the traveling group or family. So, let’s explore the extensive advantages and disadvantages of these policies with Travelner Insurance:

3.1.  Pros & Cons of Group Travel Insurance:

A. advantages of group travel insurance:.

Cost-Effective: One of the primary attractions of group plans is their cost-effectiveness. Group discounts often make these policies more budget-friendly, especially when compared to individual coverage. Simplified Coordination: Managing a single policy for the entire group streamlines administrative tasks. This simplification can be particularly beneficial when dealing with large groups, reducing the complexity of coordinating multiple policies.. Group Dynamics: Tailored to address the dynamics of group travel, these plans foster a sense of unity. This can lead to a more cohesive and organized approach to handling unforeseen circumstances during the trip.

b. Disadvantages of Group Travel Insurance:

Limited Customization: While group plans provide general coverage, individual needs may not be fully addressed. Those with specific requirements might find the customization options of group plans lacking. Shared Risk: For some special policy, a potential drawback is that one member's actions could impact the entire group's coverage. Individual behaviors might inadvertently affect the overall risk profile, potentially affecting everyone's benefits.

3.2.  Pros & Cons of Family Travel Insurance:

A. advantages of family travel insurance:.

Personalization: Family plans offer tailored coverage for each member's specific needs. This ensures that individual requirements are met, providing a higher degree of personalization. Flexibility: The option to include extended family members provides comprehensive coverage. This flexibility is advantageous for families traveling with relatives, accommodating a wider range of individuals under a single policy.

b. Disadvantages of Family Travel Insurance:

Potentially Higher Costs: The personalization of individualized plans may come at a higher cost compared to group plans. Families need to consider whether the additional expense is justified by the increased coverage tailored to each member. Complex Coordination: Managing different aspects of family coverage requires careful consideration. Coordinating various age groups, health conditions, and travel preferences within a single policy can be more intricate and demanding than a group plan.

Family travel insurance has disadvantages such as higher costs and complex coordination.

4. Group vs. Family Travel Insurance: How to Choosing the Right Insurance for Your Needs

When it comes to securing your journey, choosing the right travel insurance is important. Whether you're opting for group travel insurance or family travel insurance, considering specific factors will ensure you make an informed decision tailored to your needs.

4.1. Nature of Your Travel Group/ Family:

Understanding the dynamics of your travel group is crucial. If you're traveling with friends, colleagues, or organizational members, group travel insurance might be suitable. For families with varying needs, family travel insurance provides a more individualized approach.

4.2. Individual Health Needs:

A. family policy:.

Consider the health conditions and requirements of each traveler. Family travel insurance allows customization for each family member, addressing specific health concerns. 

Pre-Existing Medical Conditions: Family plans allow you to include coverage for these conditions, ensuring everyone is protected in case of an unexpected medical event while traveling. Differing Age Groups: Younger children and older adults often have distinct healthcare needs. Therefore, family plans can accommodate these differences, providing appropriate coverage for each age range. Customization: You can often choose the level of coverage desired for each family member, potentially offering cost savings if some members require less extensive coverage.

b. Group Policy:

On the other hand, group travel insurance may have limitations in providing personalized coverage. It typically offers the same level of coverage for all members of the group, regardless of individual needs. This can be:

• Advantageous for young, healthy individuals to travel together, as it may be a more cost-effective option.
• Limiting for families with diverse health needs, as it might not adequately address pre-existing conditions or specific requirements of individual members.

4.3. Level of Coverage Required:

Determine the level of coverage required for your journey. Group travel insurance may focus on collective needs, providing coverage for trip cancellations, medical emergencies, and other group-related scenarios. In contrast, family travel insurance ensures each family member receives adequate coverage based on individual requirements.

Determine the required level of travel insurance for your trip, focusing on collective needs like trip cancellations and medical emergencies.

5. Making the Right Choice for Your Journey with Travelner Insurance

After delving into the difference between group and family travel insurance in advance, Travelner Insurance recognizes the diverse needs of travelers and offers flexible solutions for both group and family travel. With a commitment to customer satisfaction, Travelner Insurance ensures that each policy is tailored to provide comprehensive coverage.

5.1. Explore Policies at Travelner Insurance:

Travelner Insurance provides a range of plans that includes Patriot Lite Travel Medical InsuranceSM and Patriot Platinum Travel Medical InsuranceSM, allowing travelers to customize their coverage based on family or group requirements. This flexibility ensures that every journey is safeguarded against unforeseen events.

a. General Information of Both Plans:

Patriot Lite Travel Medical InsuranceSM and Patriot Platinum Travel Medical InsuranceSM offers coverage for individuals aged 14 days to 99 years, with a flexible period of coverage ranging from 5 days to 12 months. Tailored to meet the diverse needs of families, and groups, each plan provides varying levels of protection.  These plans are designed to offer temporary medical insurance for those traveling internationally, whether for group business or family pleasure, and extend coverage beyond their home country.  Whether one is embarking on a short-term journey or planning an extended stay, the range of options to address the unique requirements of travelers in diverse circumstances.

b. Compare Policies:

Let’s explore our top-choice policies that provides comprehensive coverage for group/ family travel requirements:

Take the first step towards a secure and hassle-free journey with Travelner Insurance . Explore our customizable plans, including Patriot Lite Travel Medical InsuranceSM and Patriot Platinum Travel Medical InsuranceSM, to ensure comprehensive coverage for your group or family. 

Understanding the fundamental difference between group and family travel insurance is essential in making an informed decision. So, Travelner Insurance's commitment to customer satisfaction ensures that each policy is tailored to offer comprehensive coverage, safeguarding every journey against unforeseen events. 

Whether embarking on a short-term adventure or planning an extended stay for family trip or group adventure, Travelner Insurance provides a range of options to address the unique requirements of travelers in diverse circumstances.

Related articles

Does Travel Insurance Cover Illness of Family Members?

Travel Insurance for Death in Family: What Types of Coverage Should You Choose?

Master your family adventure: The ultimate vacation checklist for family

Post Office family travel insurance: Peace of mind for your family getaway

Popular articles.

May 08, 2024

Exploring the Benefits of Business Travel Insurance for Employees UK

Travel with Confidence: Choosing the Best Travel Insurance for University Students

Health insurance for employees while travelling for work: A Comprehensive Guide

I agree to the terms and conditions and agree to receive relevant marketing content according to the privacy policy.

Group Travel Insurance vs Family Travel Insurance – Which One is Right For You?

Alevin Chan

SingSaver's Best Price Travel Campaign: All successful applicants of participating Travel Insurance products will receive 1x (single trip) or 3x (annual trip) draw chance to enter our weekly lucky draw, where 1 lucky winner will stand to have their flight ticket reimbursed (up to a maximum of $2,000) and 12 lucky winners will receive a Samsonite Volant Spinner 68/25 EXP worth S$480 . Valid till 31 December 2023. T&Cs apply .

#1: Persons covered

The most important difference between family travel insurance and group travel insurance is the persons covered. 

As per its name, a family travel insurance plan only covers, well, family members. In most cases, only immediate family – legal spouse, and own children – are included. Some insurers, however, may only require the children to be insured to be related to one adult only. 

This also means that extended family members are excluded from family travel insurance plans. So, if you’re travelling with your grandparents, uncles and aunties, cousins, etc, they will require their own travel insurance policy. 

What about domestic helpers? Well, some insurers may offer free coverage for domestic helpers accompanying the family during the trip. If your chosen insurer does not offer this, a separate plan will need to be acquired for your helper. 

In contrast, a group insurance policy doesn't require any of the insured individuals to be related in any way whatsoever. They only need to be named, and fulfil the eligibility criteria – commonly, age and nationality. 

#2: Claims limits

It is common for family travel insurance plans to have different claims limits for adults and children, with the latter covered only for a portion of the sums assured provided to insured adults. 

Not only that, family travel insurance usually institutes an overall cap per family, which adds up to a lower sum than the individual benefits combined. 

For instance, a policy may offer personal accident coverage of S$10,000 per adult, and S$5,000 per child, with an overall cap of S$25,000 per family. This means that the policy essentially only offers full cover to two adults and one child, putting larger families at a disadvantage. 

Of course, travel insurance benefits aren’t meant to be split up like a chicken dinner. However, per-family limits can make it such that the benefits you do receive are insufficient for your needs. 

In contrast, group insurance plans do not have this limitation. All insured persons will have their own individual benefits and limits. 

This may be a more attractive option for some, so you should forego family plans and just sign everyone up for a group plan instead, right? 

Afterall, some group plans require a minimum age of 16, while family plans cover children up to age 18 or 23, for full-time students. This means you should be able to enrol your 17-year-old under a group policy – and thus gain full cover – correct?

Well, maybe. It is up to your insurer to decide if they will insure you and your immediate family under a group travel plan, instead of a family plan. 

Also, if your children do not meet the minimum qualifying age for a group plan, then you’ll have no choice but to go with a family plan instead. 

#3: Premiums charged

A prominent selling point of a family plan is that children are included for a lower cost, or sometimes completely for free. The idea is to let parents feel like they are getting good value for money. 

Group travel plans , in comparison, are charged on a per-individual basis, with the premium carefully calculated to cover the cost of insurance across all individuals in the policy. Another common practice is to offer a discount on single-traveller plans if multiple travellers sign up together. 

While both of these marketing tactics may seem different, they don’t actually matter very much in the grand scheme of things. 

What’s more important is getting sufficient coverage for every traveller, and benefits that are actually useful and necessary, at a reasonable premium.

Conclusion: Should you choose family travel insurance or group family insurance?

At the end of the day, choosing between a family travel plan or a group travel plan really boils down to who you’re travelling with.

For parents travelling with their children , they may invariably only be able to choose family plans, due to age constraints or the requirements of the insurer. 

For those travelling with extended family members, there may be a choice between multiple family plans (one for each nuclear family), or an overall group policy that includes everyone. 

Friends, co-workers and acquaintances will most likely only qualify for group travel policies. But that’s not a disadvantage at all. Sure, premiums may be slightly higher, but each individual will have full coverage. 

In many cases, buying family travel insurance can be more cost-effective than purchasing individual policies for each family member. Family travel insurance typically covers two adults and their dependent children under a single policy, often at a lower overall cost compared to buying separate plans for each person. It's a convenient and often more affordable option, especially for families traveling together. However, costs and coverage can vary among insurance providers, so it's essential to compare prices and benefits to ensure the best value for your family's needs.

Individual deductible applies separately to each person covered, while a family deductible covers the total expenses for all included family members together before the insurance coverage begins.

The definition of a "group" in travel insurance can vary among insurers. Typically, a group is considered to be a minimum of 10 or more individuals traveling together on the same trip. However, this can differ depending on the insurance provider, so it's best to check with the specific insurer regarding their definition of a group and any group-specific policies or discounts they may offer.

Solo travel offers flexibility but may have higher individual costs. Group travel might provide discounts, sharing expenses, but less flexibility in planning. Costs vary based on preferences, destinations, and available discounts.

Find Out More About Travel Insurance Providers Here:

• Find Out About Singlife Travel Insurance Singapore
• Find Out About Etiqa Travel Insurance Singapore
• Find Out About FWD Travel Insurance Singapore

Similar articles 10 Tips to Keep The Friendship Alive On Group & Graduation Trips Is It Too Late to Get Travel Insurance After Booking Flights, Departures, And During Your Trip? Group vs Individual Travel Insurance: Understand the Difference Between These Plans 5 Travel Insurance Tips You Didn’t Know About Why Multiple Travel Insurance Policies Can Be Better Than A Single Group Policy Why Buying Travel Insurance is Necessary (And What Happens If You Don’t) Japan Travel Guide 2024: 13 Things to Note Before Heading to the Land of the Rising Sun Travelling with Your Kids This Summer? Protect Them From These Worst-case Scenarios

Tags Travel Insurance

An ex-Financial Planner with a curiosity about what makes people tick, Alevin’s mission is to help readers understand the psychology of money. He’s also on an ongoing quest to optimise happiness and enjoyment in his life.

Related Articles

Allianz Travel Hero Review: Fuss-Free Plan that is Value-For-Money

American Express Travel Insurance Review: Protect Both Your Trip and Your Miles

OCBC Travel Insurance Review

Financial tip:, use a personal loan to consolidate your outstanding debt at a lower interest rate.

© 2015-2024 SingSaver PTE LTD. All rights reserved. This online platform is operated by SingSaver Pte. Ltd. and by continuing to use www.singsaver.com.sg (the “SingSaver Website”) or by carrying out a transaction on the SingSaver Website, users are deemed to have agreed with the Terms and Conditions and  Privacy Policy of the SingSaver Website. All insurance product-related transactions on the SingSaver Website are arranged and administered by SingSaver Insurance Brokers Pte. Ltd., a wholly owned subsidiary of SingSaver Pte. Ltd. SingSaver Insurance Brokers Pte. Ltd. is a licensed and authorised broker regulated by the Monetary Authority of Singapore (“MAS”). SingSaver Pte. Ltd. (which administers all other financial products on the SingSaver Website) is not regulated by MAS. SingSaver is located at Eon Shenton, 70 Shenton Way, 18-08, Singapore, 079118 .

A Practical Guide to Buying Travel Insurance

Travel insurance could be the difference between a huge medical bill or a modest copay. use these tips to find the best policy for your trip..

• Copy Link copied

It’s far better to buy travel insurance and never use it than to not be covered in an emergency.

Courtesy of Shutterstock

For many, travel insurance seems like an unnecessary additional expense. But if you get stuck in a costly situation—a medical emergency, a canceled trip due to a pandemic , a stolen camera—it suddenly becomes a totally worthwhile investment that saves, not costs, you money.

This was the case for writer Chris Ciolli. After years of traveling without a safety net, she invested in travel insurance on a recent trip during which she was rushed to the hospital at 3 a.m. for a slew of just-in-case tests. She ended up with an underwhelming diagnosis of gastritis, but also a slow trickle of medical bills—a few hundred dollars here, a thousand there—that totaled nearly $6,000. Fortunately, her monthlong $185 World Nomads policy covered everything after an initial $80 copay.

But even if you understand the benefits and you’re committed to buying travel insurance, choosing the right policy for your needs—and even knowing what those needs are—can be tricky. To help you choose the best travel insurance for your trip, we’ve consulted a number of travel agents, insurance industry professionals, and lifelong travelers for advice. In this guide, you’ll find everything you need to know, from travel insurance reviews and comparisons to common questions answered, to pick the best policy for your next trip.

What is travel insurance?

Travel insurance is a plan, similar to health or auto insurance, that protects you from expenses incurred during unforeseen mishaps while traveling, such as lost luggage, trip cancellations, or medical emergencies.

Although your current homeowner’s, renter’s, auto, or health insurance may cover you for certain things while traveling, it usually doesn’t cover everything—especially on international trips. A good travel insurance plan will cover the gaps.

Where do you get travel insurance?

Some very basic forms of travel insurance are included if you booked your trip with a credit card such as World MasterCard, Capital One Venture Rewards, and Chase Ink and Sapphire cards. With these plans, you may be protected regarding some delay, luggage, and travel accident expenses, but the coverage is usually pretty basic.

You can also purchase it as an add-on while booking flights, cruises, or hotels. These plans are also limited and will only cover you in the event of an unavoidable cancellation due to events such as a natural disaster or a death in your family. “While it may seem less expensive, it may not cover all of the components of your trip,” says Andrew David Harris, vice president and COO of Harris Travel Service . While both of these are better than nothing, the most comprehensive and best travel insurance policies are sold by providers such as World Nomads, Allianz Global Assistance, Seven Corners, or TravelEx. You can purchase these plans through your travel agent, but it’s often less expensive to book directly with the travel insurance provider or through a comparison website, like SquareMouth .

What does travel insurance cover?

Every traveler and trip is different, which is reflected by the variety of travel insurance plans on the market. No matter what plan or provider you choose, below are some common things travel insurance covers. Experts agree that before you buy, you should absolutely look for specific exclusions in the fine print on potential policies. If you’re unsure about something, reach out. A good insurance company will be responsive and willing to clarify your questions.

Trip cancellation and interruption

Most travel insurance policies will include some form of trip cancellation and interruption coverage to reimburse you for nonrefundable expenses, like a prepaid hotel or plane ticket. Unless you add cancel for any reason (CFAR) insurance to your plan, there will be a limited set of acceptable reasons to claim this. Illness, death of an immediate family member, and weather are commonly accepted reasons.

Trip delays and missed connections

Also common is reimbursement for additional expenses incurred if a trip is delayed and meets criteria set out by the provider. With World Nomads, your flight must be delayed by at least six hours to qualify.

Baggage and personal effects

Most plans will cover the cost of lost or damaged luggage and personal belongings as well as the cost of purchasing additional items if your luggage is delayed.

Emergency medical and dental care

This covers the cost of medical care when you get sick or have an accident in another country and usually includes medical evacuation. However, travel insurance isn’t a substitute for regular health insurance so nonemergency medical expenses (physicals, anything cosmetic, eye exams) aren’t covered. Childbirth isn’t covered either, even for pregnant travelers who go into labor prematurely.

Shannon O’Donnell, 2013 National Geographic Traveler of the Year and blogger at A Little Adrift , mentions another coverage gap travelers miss: “You’re only covered for what you’re licensed to do back home—if you don’t have a permit for a motorbike and you drive one in Southeast Asia, you might not be covered in an accident.”

Emergency medical evacuation

This covers the cost of an emergency transfer (in an ambulance or helicopter, for example) from an area with inadequate medical care to the nearest medical center with the services you need. It’s costlier but essential in isolated and politically unstable parts of the world.

Accidental death and dismemberment and repatriation

Experts say that “truckloads of coverage for hospital costs and medical repatriation home” are the most important things to look for. “The rest is just window dressing.” A lot of basic plans won’t include this in their coverage, but you can easily add this on with an upgrade to a more premium tier.

Concierge and 24/7 service

Daniel Durazo, director of Marketing and Communications for Allianz Global Assistance , says that “a good policy includes a 24/7 contact line for both medical and travel emergencies.”

Common travel insurance add-ons to consider

A basic plan is usually enough for most travelers, but it may not cover everything you need if you’re older, have pre-existing medical conditions, participate in sports while traveling, book an expensive trip, or travel with expensive gear (such as a high-end camera). If you fall into any of these categories, consider an add-on or upgrade.

Upgrade lost luggage, trip delay, and cancellation amounts

“Standard travel insurance levels cover more modest belongings and lodging,” advises Annette Stellhorn, president and Group Luxury Travel designer at Accent on Travel . If you’re traveling with expensive gear or spending a lot on your trip, consider upgrading to a tier that covers your costs adequately.

Additional coverage for adventure and high-risk travel

Stellhorn also notes that adventure and high-risk travel “require higher benefit amounts for medical evacuation, which can run more than $250,000.” And Judy Perl at Judy Perl Worldwide Travel says that “most insurance companies will not insure high-risk travel at all, with the exception of big companies like First Allied and Travelex .” Even fewer risky activities and sports may only be covered to a limit: that is, climbing to certain heights and diving to certain depths.

Most sports are covered up to a certain level of intensity; any higher and you may have to purchase a different tier of insurance. World Nomads, for example, will cover a slew of adventure travel activities and sports, but at an additional cost on top of its basic insurance.

Cancel for any reason (CFAR) insurance

It’s important to read the fine print of any insurance plan because, even if it includes trip cancellation coverage, this often only kicks in under certain circumstances. As many travelers found out recently, trips canceled due to the recent coronavirus pandemic were not covered unless they had a CFAR add-on .

Jennifer Wilson-Buttigieg, co-owner and copresident at Valerie Wilson Travel , explains that these plans “only cover 75 percent of trip expenses [and only] if travelers cancel their trips at least 48 hours in advance.”

Does travel insurance cover pandemics?

No. “Once actual events have unfolded, such as the coronavirus outbreak, they are considered known or foreseeable events and are no longer covered by most travel insurance policies,” says Afar’s Michelle Baran . The exception is if you chose to upgrade your plan to include a CFAR add-on.

What are the best travel insurance policies?

The best travel insurance policy will depend on you and your trip. You’ll want to make sure you have a plan that covers the cost of your entire trip and the activities you want to do and won’t leave you in the dark if you have preexisting conditions. The following are some of the best travel insurance partners to consider:

Best for: Older travelers and those with preexisting conditions.

While Allianz provides great travel insurance for any traveler, it’s especially appropriate for those with pre-existing conditions, since those are covered in every one of its plans. However, its basic coverage only covers up to $500 in lost or damaged baggage, so consider an upgrade if you’re traveling with more expensive equipment.

Get a quote: allianztravelinsurance.com

Best for: Medical coverage only

GeoBlue’s Voyager basic medical coverage is not a comprehensive travel insurance plan that covers a slew of scenarios; rather it provides travelers with basic medical travel insurance. The deductible is a high $500, but at $19 to $35 per trip, it’s an inexpensive way to protect yourself in case something catastrophic happens. If you’re adequately covered for travel mishaps like lost luggage or stolen goods by other insurance (like your credit card or homeowner’s insurance), this might be the plan for you.

Get a quote: geobluetravelinsurance.com

Best for: Traveling with kids

With TravelEx, travelers can choose between a basic or select travel insurance package with options to customize it according to their needs. Both plans cover standard things like trip cancellation and emergency medical services and are an all-around comprehensive option. However, its Travel Select plan also includes free coverage for any children under 17 traveling with you. For families, TravelEx Select is a great money-saving option.

Get a quote: travelexinsurance.com

How much does travel insurance cost?

Complete travel insurance packages can cost as little as $8 per day but vary depending on the length of the trip, destination(s), and the tier of travel insurance you choose. Some, but not all, travel insurance may also cost more for travelers with pre-existing conditions or older adults.

As a comparison, here are some examples of travel insurance costs for a 45-year-old traveler on a $5,000, one-week trip to Mexico:

• $138 for an explorer plan with World Nomads
• $179 for a basic plan with Allianz
• $248 for an essential plan with AIG
• $261 for a basic plan with Travelex

While some of these plans may seem expensive, keep in mind that if they provide you the coverage you need, they can be a huge money saver. Insurer World Nomads says that its average claim amount for 2017 was $1,634, and its most expensive claim—a medical evacuation of a child from Sitka, Alaska, to Seattle—was nearly $200,000. Suddenly, that $8 per day makes travel insurance worth it . But, as Michael Holtz, founder and CEO of the travel agency SmartFlyer , says, “People don’t think they need it until they need it.”

How do I buy travel insurance?

You should always buy travel insurance from an official, reputable provider or website, such as purchasing directly through the insurance provider, a travel agent, or a comparison website; these “offer a way to search, compare, and purchase from a wide array of plans,” says Stan Sandberg, cofounder of TravelInsurance.com .

Comparison sites to buy travel insurance include:

• Travelinsurance.com
• SquareMouth
• Insuremytrip

Sandberg strongly recommends consumers speak with a licensed agent when they are unsure about benefits. The website Elliott Report is another good resource and features a list of reputable travel insurance companies compiled by consumer advocate Christopher Elliott.

When to buy travel insurance

Generally, you should book your travel insurance as soon as you can after booking your flights and hotels. If you’re traveling to a destination affected by hurricanes , book sooner rather than later, because you can’t buy insurance to cover delays or cancellations related to a storm that already has a name.

People with preexisting conditions need to consider other factors. Most insurers will cover only expenses related to prior illnesses in very specific circumstances; travelers with preexisting conditions must book coverage within a specific time frame, usually between 14 and 21 days, following their initial trip reservation, and they must be medically able to travel on the date they purchase the insurance.

Your travel insurance policy period should be for the duration of your trip from door to door (no gaps or shortcuts, please) and cover you for every place you plan to visit, whether it’s in-state, out-of-state, or international. Some destinations are at higher risk than others, so insurers don’t offer the same coverage for the same price everywhere.

What does your existing insurance cover while traveling?

While your existing health, auto, renter’s, or homeowner’s insurance may cover a few things while you’re traveling, it likely doesn’t cover everything.

• Health insurance: Many U.S. health-care policies, including Medicare, don’t cover travelers on international trips. Some plans will cover you abroad, so check with your provider. If your health insurance only covers you domestically, both the Centers for Disease Control and the U.S. State Department recommend purchasing medical travel insurance.
• Travel insurance: Credit cards can provide limited coverage of some delay, luggage, and travel accident expenses, as well as part of your rental car insurance.
• Homeowner’s and renter’s insurance: Home contents or rental insurance may cover some lost, stolen, or damaged valuables or even offer a reasonably priced floater policy (an add-on to your regular policy that covers easily moveable property) if you travel with expensive equipment.
• Auto insurance: Within the United States, your primary auto insurance will almost always cover rental vehicles. There are a few exceptions for domestic rentals, like if your current auto insurance has low coverage limits. International car rentals are a different story. In Mexico, for example, rental car insurance is mandatory , even if you have insurance at home. Always be sure to check local rules before you reserve a rental car.

Tips for filing claims and getting reimbursed

Unlike most domestic health insurance policies, travel insurance doesn’t typically have a deductible. Some inexpensive policies will require you to pay a small, nonrefundable, initial policy excess amount before further costs up to the benefit limit are covered. Many policies work on a reimbursement plan: You pay upfront, save your receipts, and file a claim, then after processing, your insurance company pays you back for covered expenses.

Most policies require you pay non-emergency expenses out of pocket and submit your claim for reimbursement afterward. In a non-life-threatening emergency, call your insurer for instruction if you’re able; it will make the claims process easier, and the insurer may be able to direct you to a hospital or medical center where your care can be billed directly to it.

Hannah Logan, of the blog Eat Sleep Breathe Travel , says this step is especially important because the small print on many policies “reads that calling the contact number [may be] a requirement for coverage.”

No matter what, document everything. Whether it’s lost baggage, a medical expense, or damage to your rental car, gather and keep anything that can help your claims case: your original rental car agreement, receipts, photos, medical paperwork, a copy of your boarding pass.

Buying travel insurance is a little like packing a suitcase: It can seem overwhelming at first, but eventually it becomes routine and a necessary part of every trip. Once it does, you can travel worry-free, secure in the knowledge that you’ve saved yourself from a possible $6,000 mistake.

This article originally appeared online in 2018; it was updated on June 19, 2020, and on May 15, 2024, to include current information.

World Nomads provides travel insurance for travelers in over 100 countries. As an affiliate, we receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is information only and not a recommendation to buy travel insurance.

• Today's news
• Reviews and deals
• Climate change
• 2024 election
• Fall allergies
• Health news
• Mental health
• Sexual health
• Family health
• So mini ways
• Unapologetically
• Buying guides

Entertainment

• How to Watch
• My Portfolio
• Latest News
• Stock Market
• Premium News
• Biden Economy
• EV Deep Dive
• Stocks: Most Actives
• Stocks: Gainers
• Stocks: Losers
• Trending Tickers
• World Indices
• US Treasury Bonds
• Top Mutual Funds
• Highest Open Interest
• Highest Implied Volatility
• Stock Comparison
• Advanced Charts
• Currency Converter
• Investment Ideas
• Research Reports
• Basic Materials
• Communication Services
• Consumer Cyclical
• Consumer Defensive
• Financial Services
• Industrials
• Real Estate
• Mutual Funds
• Analyst Rating
• Technical Events
• Smart Money
• Top Holdings
• Credit cards
• Balance Transfer Cards
• Cash-back Cards
• Rewards Cards
• Travel Cards
• Personal Loans
• Student Loans
• Car Insurance
• Morning Brief
• Market Domination
• Market Domination Overtime
• Opening Bid
• Stocks in Translation
• Lead This Way
• Good Buy or Goodbye?
• Fantasy football
• Pro Pick 'Em
• College Pick 'Em
• Fantasy baseball
• Fantasy hockey
• Fantasy basketball
• Download the app
• Daily fantasy
• Scores and schedules
• GameChannel
• World Baseball Classic
• Premier League
• CONCACAF League
• Champions League
• Motorsports
• Horse racing
• Newsletters

New on Yahoo

• CA Privacy Notice

Yahoo Finance

Best travel insurance plans for 2024: a unique and comprehensive list for travelers from international citizens insurance.

Including the Best Plans for Seniors, Global Nomads, Visitors to the USA, Pets, Adventure Sports Addicts and More

BOSTON, MA / ACCESSWIRE / May 2, 2024 / International Citizens Insurance, a leading international insurance broker, has announced the best travel insurance plans for 2024 summer travel. As the cost of airfare and hotels continues to rise along with the increase in flight delays and cruise cancellations, this list could not have come at a better time for travelers looking to protect their travel plans and their finances.

"This summer's travel season promises a high level of demand, increasing costs, and a strong potential for travel disruptions due to political unrest, weather, and other factors," said Joe Cronin, President of International Citizens Insurance. "Our clients want travel insurance they can trust to help them if they suffer a cancellation, a medical emergency, lost luggage, a natural disaster, or have to change plans due to unforeseen events. With this list, they will be able to find the best overall travel insurers as well as the right plans for their individual needs."

International Citizens Insurance judged each company and plan on six key criteria: the user-friendliness of their site, the ease of policy purchase, the number of countries plans are offered in, how extensive the benefits are, the ease of making a claim and the quality of the company's customer service. The most trusted insurers include WorldTrips , who made history as one of the first insurers to offer plans for purchase over the internet; GeoBlue Travel Insurance , which supports seniors with coverage for people up to 84 years old; and Trawick International, which offers coverage for over 500 adventure sports activities.

To help customers find the best insurance for their specific needs, International Citizens Insurance has also identified the best insurance for several use cases, including Cancel for Any Reason (CFAR) insurance, travel medical plans, and insurance with coverage for pets. International Citizens Insurance has also identified the best plans for clients with special needs, including seniors, missionaries and volunteers, U.S. citizens abroad, and digital nomads.

In today's unpredictable world, travel insurance has become the most essential accessory for any international traveler. Travelers want trip cancellation insurance to protect their trip and travel medical insurance plans to protect their health. But with so many companies out there, which ones can you trust?

Learn more about the best travel insurance companies at https://www.internationalinsurance.com/travel-insurance/best-companies.php .

About International Citizens Insurance

International Citizens Insurance is the insurance division of International Citizens Group. We provide educational content, reviews, and unique comparison engines that enable travelers and expatriates to research, quote, compare, and purchase global life, travel, and international health insurance from various carriers.

Contact Information

Joe Cronin President [email protected] 617-500-6738

Andrew Blomberg Vice President, Global Group Benefits [email protected] (339) 221-5190

SOURCE: International Citizens Insurance

View the original press release on newswire.com.

Recommended Stories

Sam bankman-fried traded in his $35 million mansion in the bahamas for a prison cell with 35 inmates but claims "he did not do anything wrong".

Formerly disgraced FTX CEO and Co-Founder Sam Bankman-Fried was convicted in November of wire fraud, money laundering and conspiracy, and sentenced to 25 years in prison. His high-profile trial marked a significant chapter in the unraveling of FTX, which collapsed under suspicious financial practices, leading to intense scrutiny and legal action. For the first time since his incarceration, Bankman-Fried described his daily life in a detailed interview with journalist William D. Cohan of Puck. Do

Changes from Visa mean Americans will carry fewer physical credit, debit cards in their wallets

Visa on Wednesday announced major changes to how credit and debit cards will operate in the U.S. in the coming months and years. The new features could mean Americans will be carrying fewer physical cards in their wallets, and will make the 16-digit credit or debit card number printed on every card increasingly irrelevant. “I think (with these features) we’re getting past the point where consumers may never need to manually enter an account number ever again,” said Mark Nelsen, Visa’s global head of consumer payments, in an interview.

Homes are overvalued in much of the U.S. — with these 5 states leading the list

Home prices are overvalued nationally, according to a new report by Fitch Ratings, led by Southern states.

'Should I Buy All My Kids A House?' Widow Uncertain After Husband's Death, Asks Dave Ramsey About Purchasing Homes For Her 3 Adult Children

During a discussion on the Dave Ramsey Show, titled "Should I Buy All My Kids A House?" a widow from Denver, Colorado, named Kay, shared her intentions to buy homes for her three adult children following her husband’s passing from cancer. This act of generosity, spurred by a substantial financial legacy, prompted a mix of emotional and practical financial considerations, which Ramsey addressed with his usual caution and insight. Don't Miss: 82% of Americans aren’t using this government secured 5

Nvidia Recently Bought 5 Artificial Intelligence (AI) Stocks, and 1 Is Absolutely Soaring

Nvidia is spreading some of its recently amassed wealth by investing in smaller AI companies.

These are the top 10 holdings of the Mormon church's $55 billion stock portfolio

The Church of Jesus Christ of Latter-day Saints added exposure to mega-cap tech stocks during the first quarter and Eli Lilly became a top 10 holding.

Are Options Traders Betting on a Big Move in Intel (INTC) Stock?

Investors need to pay close attention to Intel (INTC) stock based on the movements in the options market lately.

Warren Buffett "Guaranteed" He'd Get 50% Annual Returns With Only $1 Million As Berkshire's Cash Hoard Soars To Over $189 Billion

Legendary investor Warren Buffett has long advocated for the average investor to regularly put money in an S&P 500 index fund rather than buying actively managed funds. However, that's not to say he doesn't think massive outperformance isn't possible. As far back as 1999, Mr. Buffett famously said he could achieve 50% annual returns if he had only $1 million to manage, stating, "The highest rates of return I’ve ever achieved were in the 1950s. I killed the Dow. You ought to see the numbers. But

3 Dividend-Paying Energy Stocks With 20%+ Upside Potential, According To Analysts

The energy sector has been a standout performer in recent years, driven by rising demand, supply constraints, and a global focus on energy security. For investors seeking a combination of income and growth potential, three energy stocks – Chevron ...

Medical Properties Trust Just Hit a Major Snag, but Is the Stock Still a Buy?

This company's fortunes just darkened significantly.

Explore Rasskazovka

Plan your trip to rasskazovka: best of rasskazovka tourism, essential rasskazovka.

Expedia Rewards is now One Key™

Elektrostal, visit elektrostal, check elektrostal hotel availability, popular places to visit.

• Electrostal History and Art Museum

You can spend time exploring the galleries in Electrostal History and Art Museum in Elektrostal. Take in the museums while you're in the area.

• Cities near Elektrostal

• Places of interest
• Yuri Gagarin Cosmonaut Training Center
• Central Museum of the Air Forces at Monino
• Peter the Great Military Academy
• History of Russian Scarfs and Shawls Museum
• Balashikha Arena
• Ramenskii History and Art Museum
• Balashikha Museum of History and Local Lore
• Bykovo Manor
• Pekhorka Park
• Malenky Puppet Theater
• Drama Theatre BOOM
• Likino Dulevo Museum of Local Lore
• Pavlovsky Posad Museum of Art and History
• Saturn Stadium
• Noginsk Museum and Exhibition Center
• Fairy Tale Children's Model Puppet Theater
• Fifth House Gallery
• Church of Vladimir
• Malakhovka Museum of History and Culture
• Orekhovo Zuevsky City Exhibition Hall