Why Travel Insurance Is Important on a Family Vacation

Family vacations take a lot of time and planning. From organizing schedules to choosing a destination that appeals to the whole family, there are many considerations to make. 

Being well-prepared with a comprehensive travel insurance policy can help to ensure that your family travel plans are as warm and easy going as the Caribbean breeze. Learn more about the Allianz Global Assistance travel insurance solutions that can protect your family against unforeseeable mishaps on your next vacation.

• Why do you need travel insurance for your family?
• Who does travel insurance cover?
• What does travel insurance cover?

When you’re travelling alone or with only a few others, it’s easy to hit the tarmac and make it to your dream destination with all your people and possessions intact. When you have a family of five or six travellers, including kids who can march to the beat of their own drum, it can be more difficult to ensure that your vacation goes off without a hitch.

Imagine these scenarios: 

• Sally forgets her beloved stuffed animal on a plane, causing you to turn around and ultimately miss a connecting flight.
• Joe breaks his arm while practicing his new Superman moves just hours before you plan on departing the house. 
• Grandma Julie calls to say she’s come down with a bad cold. 

One of so many potential delays, injuries or illnesses can prevent a family from all embarking on their trip together. 

When you’ve shelled out big money for a dream Disney World vacation, the last thing you want is an unexpected incident that causes you to be out that hard-earned vacation fund. Considering family travel insurance could help make this less of a gamble and provide peace of mind if problems do arise on your perfectly planned adventure. 

When considering your travel insurance options, you need to ask whether it protects the entire family. Will your spouse, children or grandparents be covered? Every plan varies and may or may not cover yourself and all your dependents. Your travel consultant can work with you to sort out your unique needs and provide you with the most suitable insurance package for you and your loved ones. 

Always be sure to check with your consultant and package details, but typically, you can consider purchasing packages that include your: 

• Parents and stepparents
• Grandparents and grandchildren
• Children (stepchildren, foster children, adopted children or siblings)
• In-laws (mother, father, son, daughter, brother, sister and grandparents)
• Spouse (by marriage, common law, domestic partnership or civil union)
• Paid live-in caregivers or legal guardians

Depending on the package you get it may include trip cancellation, interruption or emergency medical coverage. You can customize it to match the needs and size of your family. The last thing you want when you’re herding your little ones on the next excursion is to catch yourself unprepared for any potential mishaps. 

Travel insurance packages vary, and you can customize them to suit the needs of your family. Whether it’s an unforeseen weather event causing trip delays, an illness striking upon the eve of your dream cruise or your youngest losing their bag in the airport, there are many things that travel insurance may cover. 

Knowing the details of your family’s travel insurance plan is critical to ensuring that you have the right coverage for you and your family members’ unique needs. Each plan has its own specifications and may cover the costs related to emergency medical care, trip cancellation or assistance. It is important to spend time reviewing the terms, conditions, limitations and exclusions outlined in your policy to make sure you are prepared.

Disclaimer/Disclosure: This sponsored story was written by Flight Centre Canada in partnership with Allianz Global Assistance.

Travel insurance does not cover everything. For complete terms, conditions, limitations and exclusions, please refer to the policy. Travel insurance is underwritten by CUMIS General Insurance Company, a member of The Co-operators group of companies, administered by Allianz Global Assistance, which is a registered business name of AZGA Service Canada Inc. and distributed by Flight Centre Travel Group Canada Inc. 

Allianz Global Assistance does not tolerate any attempt of fraud and considers it a serious offence. Allianz Global Assistance strictly enforces a zero-tolerance policy regarding fraud.