- Why should I get family travel insurance?
- How can World Nomads Travel Insurance help me and my family?
- Who is covered under a family travel insurance policy?
- What is a dependent
- Are dependents covered up to the same policy limits?
- What's not covered by family travel insurance?
So you’re taking the kids this time? World Nomads loves nothing more than seeing our future Nomads exposed to the wonders of the world at an early age, which is why we can cover your kids or grandkids as dependents on your family policy. We’ll cover up to seven of your kids if you’re brave enough to take them all!
Why should I get family travel insurance?
Besides bickering about who gets the window seat or get the last scoop of ice cream, you may run into a bump or two when traveling with your family. No matter the ages of your crew, travel insurance to cover the whole family may be a good idea.
Even under adult supervision, children can experience mishaps that can throw a wrench into your plans or require medical attention.
It’s also a good idea to have a contingency plan in case an emergency happens to the caregiver, leaving a child unattended. World Nomads plans can cover transport of your minor children back home, accompanied by an attendant if necessary, if an adult is hospitalized for at least seven days or passes away during the trip.
How can World Nomads Travel Insurance help me and my family?
World Nomads offers simple and flexible travel insurance, designed for travelers by travelers, to help you travel confidently on your next family vacation. Both our Standard and Explorer plans include coverage for:
- Emergency medical expenses, in case you or your kids suffer an accident or injurywhile traveling.
- Trip cancellationfor the recovery of missed, prepaid, non-refundable trip costs when you cancel for a covered reason.
- Emergency evacuationfor hospital transfers or a flight back to your home if your condition warrants it and our Emergency Assistance Team approves it.
- Baggage delaysof at least 12 hours on route to your destination.
- Trip interruption for emergencies that can cut your trip short.
- Lost, stolen or damaged baggage.
- 24/7 Emergency Assistance including help locating local medical advice and clinics
- Coverage formore than 200 activities for U.S. residents from snow sports to water sports and more.
You can also accesssafety informationandtravel guides and videosto help you plan your trip.
Who is covered under a family travel insurance policy?
Parents plus their dependent children, as long as at least one of the traveling adults is a legal guardian of the dependent kids, and you all reside in the same U.S. state.
When you get a quote, be sure to list all dependents who will be traveling with you on the policy to ensure coverage for your whole family.
What is a dependent?
For travel insurance purposes, dependent children are:
- 25 years old and under when you buy the policy
- U.S. residents
- unmarried
- traveling with you on the same itinerary
- reside in the same state as you.
If your kids don’t meet any of the above requirements, you can purchase single policies for each traveler who resides in a different state.
Are dependents covered up to the same policy limits?
Yep! Your kids are covered up to the same limits even though they are traveling as dependents. The benefit limits shown on the family policy are the maximum amount payable per person.
For example, if you buy the Explorer plan, your emergency medical coverage is $100,000 per person and dental coverage is $750 per person, up to nine people (two adults and seven dependents).
What’s not covered by family travel insurance?
Read your policy carefully as there are some exclusions including:
- If you change your mind (or get in a fight with your loved ones!) you are not covered for cancelation or other expenses incurred.
- Non-emergency treatment that can wait until you return home (it's not health insurance, it's for travel emergencies).
- Stolen, lost or damaged personal belongings that were left unattended.
- Pre-existing medical conditions, unless expressly stated in your policy wording.
- Participation in a sport or activity not listed in the covered activities list or agreed by World Nomads.
This is not a full list of what is and isn’t covered, so please check your policy for a full list of terms, conditions, limitations and exclusions that may apply to your specific plan. Any example scenarios provided above are not a guarantee of coverage. All claims are subject to review, require documentation and are considered individually. If you have any questions about what is and is not covered, pleasereach out– we’re happy to help.
FAQs
Grandparents and grandchildren; The following in-laws: mother, father, son, daughter, brother, sister, and grandparent; Aunts, uncles, nieces, and nephews; Legal guardians and wards; Paid, live-in caregivers; Service animals (as defined by the Americans with Disabilities Act)
Does travel insurance cover whole family? ›
A family travel insurance policy covers up to two adults who live together and up to eight children aged under 18, though they could be included up to the age of 24 if they're in full-time education – the number of children permitted and age limits will depend on the policy.
Who is included in family travel insurance? ›
A family travel policy covers people from the same family who live at the same address, such as: Parents. Children. Step-parents.
Does trip insurance cover family emergencies? ›
Covered situations can include illness or injury, the death of a family member or traveling companion, job loss, military deployment and even unplanned jury duty, according to Allianz's Daniel Durazo.
Who are considered immediate family members? ›
(1) The term “immediate family member” means, with respect to a person— (A) the husband or wife of the person; (B) the natural or adoptive parent, child, or sibling of the person; (C) the stepparent, stepchild, stepbrother, or stepsister of the person; (D) the father-, mother-, daughter-, son-, brother-, or sister-in- ...
What is the definition of a family member for insurance? ›
Member of the Immediate Family means spouse, parent or stepparent, child or stepchild, brother or sister, stepbrother or stepsister, brother-in- law or sister-in-law, mother-in-law or father-in-law, or son-in-law or daughter-in-law. Child or Children means a child or children unmarried.
Can you travel alone on family travel insurance? ›
Can you travel alone with family travel insurance? Yes, but it depends on what type of policy you purchase. If you buy annual multi trip family travel insurance, every adult on the policy over 18 is insured to travel independently.
What travel insurance will not cover? ›
Most travel insurance policies won't pay out if you're negligent while under the influence of alcohol or drugs, and have an accident or have property stolen.
What type of insurance covers the whole family? ›
Family life insurance is the catchall term for policies that cover different members of your family. You can use these policies to pay for a range of expenses, such as funeral and burial costs, college debts, lost income or child care.
Is travel insurance per person or per trip? ›
You can buy policies that cover one reservation, an entire trip or a specific period of time. Policies can provide protection for a single person or a whole family.
What type of travel insurance do I need? There are two main types of travel insurance: trip protection plans and travel medical plans.
Does travel insurance cover both people? ›
Aside from that, a travel insurance policy for a couple is the same as for a single person or family - it's just one policy that covers two people, rather than two separate policies for each person.
What is considered immediate family for travel insurance? ›
The definition for immediate family is going to vary based on your insurance provider. Generally speaking, you can expect that your spouse, children, parents, grandparents, in-laws, aunts and uncles all count as immediate family.
What conditions are not covered by travel insurance? ›
Conditions which may not be covered
Conditions like terminal illness, the need for oxygen, pending surgery, chronic lung disease, cardiovascular disease, specific types of cancer, congestive heart failure, and recurring pain are generally excluded from coverage.
What is considered a family emergency for travel? ›
In most cases, family emergencies refer to a significant event that affects an immediate family member. An immediate family member could be a parent, child, sibling, in-law, spouse or guardian.
Who is accompanying family members? ›
An accompanying family member is a family member of a principal applicant who receives a visa at the same time as the principal applicant to accompany or follow the principal applicant to Canada.
What is the legal definition of a family member? ›
Family Member means any child, stepchild, grandchild, parent, stepparent, grandparent, spouse, former spouse, sibling, niece, nephew, mother-in-law, father-in-law, son-in-law, daughter-in-law, brother-in-law, or sister-in-law, including adoptive relationships, any person sharing the Participant's household (other than ...
Does travel insurance cover relatives being sick? ›
If one of your family becomes ill or gets injured while you're away, your travel insurance policy might cover the costs. Cancellation and curtailment cover is included with most standard policies - so if you have to cancel or cut your holiday short, it's likely you're covered.
Can you insure a family member? ›
To purchase life insurance for someone else, you need to prove that they have insurable interest (financial loss and hardship should the insured person pass away). Life insurance for a spouse can help ease the financial burden of lost income, childcare or running a household.
