Why You Need Family Travel Insurance
While most vacations go as planned, something can always go wrong, whether it's a child's illness, an accident or a parent's work-related emergency. It is important to ask yourself 'what if,' to consider the alternatives, and to protect your family and your wallet against any number of possible mishaps that can occur," says Ed Walker, US Travel Insurance Association president. He adds that many companies offer family travel insurance that includes children at no additional cost. Before purchasing a plan, you should check with your existing health insurance carrier, travel booking site and credit card company to see what travel benefits are included in your current plan, if any. Then you'll know where the gaps in your coverage lie.
Generally, when you book a vacation, your airfare, hotel, sightseeing tours, rental cars and attraction tickets are "non-refundable." So if you or anyone in your family falls ill or loses their job, or if your home is damaged by fire or a death in the family prevents you from traveling as planned, then you lose all your deposit money! One of the most common reasons why people buy travel insurance is for trip cancellation protection. With trip insurance, you'll get your money back should you need to cancel for any reason prior to your travel date.
Over the years, the number of bags lost, damaged or stolen has increased significantly. No family travel insurance would be complete without giving you peace of mind regarding your personal belongings. When you buy travel insurance, you get between $500 and $2,000 coverage for the lost items. Many policies also have clauses for delayed luggage, which may leave you stranded without clothing, toothbrushes, contact solution, a hairbrush, deodorant and other essentials. You will be reimbursed by your travel insurance company for the replacement items while you wait.
Do not leave family travel insurance planning until the last minute. It is best to buy a travel insurance policy when other reservations are being booked. The majority of claims are for cancellations due to family bereavements or changing circumstances, so the sooner you have that protection in place, the better. If you're a frequent traveler, then you may want to look into annual travel insurance. To start looking at plans, try one of the online comparison sites like compare holiday prices.
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