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Family Travel Insurance

What is Family Travel Insurance?

Who doesn’t love a good family vacation? A relaxing beach vacation or an adventurous trip to the mountains to make the memories that will last a lifetime. Family vacations can be a pleasurable experience but also stressful because of the many things that can go wrong at any point. A perfectly good holiday can be ruined by lost luggage, cancelled flights and so much more. Family Travel Insurance is your safety net which makes sure that glitches in your travels do not ruin your much-deserved break. It is a single policy which takes care of any problem that may be faced by you and your family members while travelling. Unlike other individual travel insurance schemes, the coverage amount provided by international holiday insurance is divided equally by all the family members. Also the process of claim disbursement is simple and involves minimal paperwork. Getting a international family travel insurance will ensure that when you travel with your family, the only thing you have to think about is having fun.

Features and Benefits of Family Travel Insurance Policy:

Following are some of the important features and benefits that Family Travel Insurance offers:

  1. Medical attention in many countries can be extremely expensive without insurance. All the expenses related to medical emergencies of any of the family members will be covered under this one scheme. Everything from illnesses, bodily injury, hospitalization, the expense of a family member travelling to visit an ailing family member, emergency medical evacuation back to India, the expense of transporting the mortal remains of an insured family member or the burial overseas etc. will be covered with policy.
  2. Compensation for death/permanent disability caused by an accident while travelling in a common carrier.
  3. It is not only an annoying but an expensive affair if your trip gets delayed. Family Travel Insurance makes sure that all such expenses are covered.
  4. Compared to individual travel insurance schemes, having one policy for the entire family will reduce the premium that you must pay because most insurance companies include children from 3 months to 21 years. Further it is much more convenient to get a single policy rather than multiple policies for each member.
  5. Purchasing insurance individually for family members can be much more expensive than getting the single Family travel insurance scheme which covers the entire family.
  6. Hiccups like baggage loss/delay, losing travel documents etc. will be smoother with a good family travel insurance in place. The cost of getting a new passport will be covered. The expenses due to delayed/cancelled flight is also covered, as is the cost of missing a connecting flight because of it.
  7. If your house back home gets robbed while you are travelling abroad, this scheme will cover the expenses incurred.
  8. In the unlikely event of a hijack also you will be given allowance.
  9. If you happen to lose your money while travelling, you will be offered emergency funds by most insurance companies.
  10. Many insurance companies let you customize your policy to fit your family’s needs. Trips as short as four days can be covered. Also, there are policies offered for everything from annual, round-trip, single-trip and multi-trip policies.
  11. You can opt for additional coverage (For medical evacuation, repatriation, personal accident etc. ) to feel even safer.
  12. Majority of insurers now offer other facilities like cashless claims, minimal documentation, online renewal, international assistance and competitive premium rates for family travel insurance.

Please note that the points described are the common features and benefits offered by most insurance companies. However, each company may have different inclusions/exclusions which must be read and understood before purchase.

Best Family Travel Insurance Policies by Travel Insurance Companies in India :

  • Reliance General Travel Insurance
  • Apollo Munich Travel Plans
  • SBI General Travel Insurance
  • ICICI Lombard Travel Insurance Plans
  • Bharti AXA Travel Plans
  • Oriental Insurance Travel Insurance
  • Max Bupa Travel Insurance
  • Cholamandalam Travel Insurance Plans
  • Future Generali Travel Plans
  • HDFC Ergo Travel Insurance Plans
  • IFFCO Tokio Travel Insurance Plans
  • National Insurance Travel Insurance
  • New India Assurance Travel Insurance
  • Royal Sundaram Travel Insurance

Family Travel Insurance Eligibility:

The criteria for eligibility of a overseas family travel insurance india differs from company to company. However, most insurance companies offer the policy for families with members between 3 months and 65 years. If a family member is over 65 years they may have to go for an Individual Policy. The policy you are offered will depend on factors such as your destination, how long the trip is, the medical condition of family members etc.

Exclusions of Family Travel Insurance India:

Although it varies from company to company, these are some of the common exclusions of most Family Travel Insurance policies:

  • Pre-existing conditions and related complications including mental disorders, HIV/AIDs etc.
  • acts of war/terrorism
  • suicide attempts/self-inflicted injuries
  • not adhering to medical advice
  • effects of drugs/alcohol use
  • involvement in criminal acts as well as injuries caused by participation in hazardous activities
  • Theft/loss of baggage that is not reported to local police authorities
  • Damage/partial loss for checked-in baggage.

Family Travel Insurance claim process:

  • Make sure that you inform the local authorities if your belongings are stolen or other such instances. Your insurance company may ask for the details of the police report.
  • You may either call or email the insurance company. Most companies have a 24/7 hotline number that you can reach in case of emergencies. The number to reach the insurance company is usually a toll free number and differs if you are calling from India or abroad. Make sure that you have these numbers on you at all times while travelling.
  • A service representative will talk to you about your situation and brief you about the next steps to be taken. You will be emailed/faxed a claims form.
  • You will be told which documents you will require for the procedure of claiming the insurance amount, depending on the nature of the issue. For example, flight delay, medical emergency, theft of your belongings etc.
  • All the supporting documents will have to be sent to the company by e-mail or fax.
  • Once the documents are assessed, your claim may be approved.
  • If you have purchased your insurance plan from Bajaj Allianz for example, the process of claiming involves you informing the company as soon as the problem arises. If, for example, you have been admitted in the hospital, a representative from Bajaj Allianz will have to talk to a hospital personnel and arrange for direct billing. Outpatient medical care billing will vary from case to case. The number to contact Bajaj Allianz from abroad varies from country to country.

Family Travel Insurance FAQs:

  1. Q: What information do I need to provide an insurance company when I am purchasing a family travel insurance plan? 

    A: Personal information of all your family members travelling including dates of birth.

    Trip details such as destination, which travel companies you will be using (if any), dates of travel, total cost of the trip as well as how much cost per person in the group.

  2. Q: What is a pre-existing medical condition? Will I be covered for it? 

    A: A pre-existing medical condition is a medical condition that you have been diagnosed with/treated for before your trip such as AIDs for example. The conditions that each company covers varies, so you must speak to a representative of the company before purchasing. You must also read the fine-print to see what exactly is covered in terms of medical conditions. Pregnancy also, after a certain period, may be excluded in most insurance companies. Remember that you will only be provided cover for pre-existing medical conditions that you have declared.

  3. Q: Which is the best family travel insurance company? 

    A: The best family travel insurance company for you is a personal choice. Different companies have different benefits and drawbacks. Some of the more popular travel insurance companies that offer family travel insurance in India include Apollo Munich Travel Plans, Future Generali Travel Plans, HDFC Ergo Travel Insurance Plans, ICICI Lombard Travel Insurance Plans and Bharti AXA Travel Plans.

  4. Q: Can I cancel my family travel insurance policy?  

    A: Most companies have certain rules about cancellations. Bajaj Allianz for example charges Rs. 250 if you cancel before the trip.

  5. Q: How can I compare different plans of companies? 

    A: You can use online portals such as BankBazaar.com to compare the rates and other features of policies from different companies.

  6. Q: One of my family members travelling with me is 71 years old. Will family travel insurance cover him as well? 

    A: Most family travel insurance companies do not cover individuals over 60-65 years. You may have to take an individual travel insurance for this member. You can contact a representative from your insurer to be sure.

  7. Q: Will I have to visit certain hospitals in the event of a medical emergency? 

    A: Some insurance companies may have network with hospitals abroad. However, most Indian companies like Bajaj Allianz, allows you to visit any hospital and the cost will be covered.

  8. Q: What if I return to India before the last-day of my policy period? 

    A: In case you return before the last day of your policy period, you may be eligible for a refund of premium at varying rates, depending on the terms and conditions. This holds true if no claims have been made and if the policy has not expired.

  9. Q: If I decide to extend my vacation is it possible to renew an existing policy while I am abroad? 

    A: Yes, you can renew the plan online by filling up a form around 7-10 days before the expiration date. You should get approval for an extension within 24 hours.

  10. Q: If I am applying online, what information do I need? 

    A: You will only need basic information such as the travel dates, your full name as is given in your passport, passport number, date of birth, telephone number in India and mailing address. You must also specify the assignee (the individual beneficiary in the event of death of the insured).

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Travel Insurance Reviews

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  • review
    0.5 3.5/5 "Pretty good"
    I am having my Air policy with HDFC ERGO and they are giving good benefits for Air accidents and luggage loss. I did not speak to the customer care. They have charged me something around 1000rupees for 1year. I have no claim experience and yet to go through with the benefits.
    Was this review helpful? 20
    , kolkata
    Reviewed on Oct 08, 2019
  • review
    "Average Policy"
    0.5 5.0/5 "Blown Away!"
    I bought my travel insurance from ICICI Lombard and my company people has selected this policy since I'm working in a on site location. The coverage value of Rs. 1 crore since my company is paying the premium amount, i'm not sure about it. I do not have any claim experience. I don't need get any chance to speak with customer care service so far.
    Was this review helpful? 19
    , bangalore
    Reviewed on May 21, 2019
  • review
    "Its Good"
    0.5 5.0/5 "Blown Away!"
    I have two wheeler policy Bajaj Allianz, last time I paid the premium of Rs.1000 for one year. I have Activa bike its around seven years old it got insured with them. There was no claim experience, they give me reminder call on time and also during renewal I get the paper.
    Was this review helpful? 23
    , bangalore
    Reviewed on Apr 30, 2019
  • review
    "Good protection for luggage"
    0.5 4.0/5 "Great!"
    I generally take Travel insurance with Bajaj , the premium is around Rs.49, I take the policy through the travel agencies for flight booking. They give luggage coverage, if I lost the luggage they will do claim settlement, they used to give acknowledge for the policy. They don't have medical cover in this plan.
    Was this review helpful? 23
    , hyderabad
    Reviewed on Dec 07, 2018
  • review
    "Enjoy your travel experience without any fear. "
    0.5 4.0/5 "Great!"
    I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
    Was this review helpful? 20
    , new delhi
    Reviewed on Dec 02, 2018
  • review
    "travel insurance is very nice"
    0.5 3.5/5 "Pretty good"
    i found the travel insurance reviews useful and thoughts are so useful to take the final decision of the production and the way people are expressing there thoughts is really awesome and make to decide.reviews are always very helpful if it is good or bad
    Was this review helpful? 15
    , bangalore
    Reviewed on Nov 26, 2018
  • review
    "Worst Insurance provider ever "
    0.5 0.5/5 "Unacceptable"
    Hello,, I recently took a travel insurance from Royal Sundaram General insurance for my Thailand trip,,, Unfortunately I encountered sea urchin Bite when I was in Phi Phi Island so wanted to assure myself by consulting a local physician ,, so got an appointment with the local doctor and got the necessary treatment and he billed me about 8000 INR and gave me the proper receipt and case sheet ,, Then I applied to Royal Sundaram General insurance for reimbursement after returning to India,, They initially tried to decline my insurance claim by asking some of my documents that are not even mentioned in the policy claim form but I sent them all the documents they asked and this cost me about 600 INR for courier charges,Finally after all this hardship I have received a reply that my claim could not be processesed due to Low Bill amount which was neither mentioned in my insurance form nor informed me prior to the trip ,, And this is really a silly reason,,so never believe this scumbags
    Was this review helpful? 36
    , madurai
    Reviewed on Oct 31, 2018
  • review
    0.5 3.0/5 "Satisfactory"
    I am holding the two wheeler policy with the NEW INDIA ASSURANCE and the process of getting this policy is easy and i have been using this policy from last 3 months. The policy coverage is for the 3rd party insurance includes. I have not experienced the claim in this policy.
    Was this review helpful? 15
    , hyderabad
    Reviewed on Oct 16, 2018
  • review
    "Good policy to use"
    0.5 4.0/5 "Great!"
    I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
    Was this review helpful? 13
    , hyderabad
    Reviewed on Apr 04, 2018
  • review
    "Claim was rejected becuase of unnescceary reason"
    0.5 0.5/5 "Unacceptable"
    I have taken a travel insurance policy for 53 days from iffco tokio and baggage got delay on the fight on the last day of policy expiration. When I try to do the claim, they are giving different excuse to give the claim. Very poor claim service. I will not recommend this insurance company to anybody.
    Was this review helpful? 22
    , new delhi
    Reviewed on Jan 26, 2018
  • review
    "Very easy to get."
    0.5 5.0/5 "Blown Away!"
    It was nice of these insurance providers that they have given travel insurance for my Tour to Germany at very low cost. The benefits offered were very nice at the reasonable charges. I had face no issues in getting the insurance document timely. They are very punctual.
    Was this review helpful? 17
    , thane
    Reviewed on Oct 09, 2017
  • review
    "Good for travelers"
    0.5 4.0/5 "Great!"
    Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
    Was this review helpful? 16
    , bangalore
    Reviewed on Aug 31, 2017
  • review
    "RELIGARE HEALTH Travel Insurance"
    0.5 4.0/5 "Great!"
    Religare Travel Insurance Explore is indeed the best travel insurance policy in the markets these days, it offers me a peace of mind while I travel. I work in a job involving high stress levels and I often go for adventure sports. I travel worry free because religare is there.
    Was this review helpful? 12
    , bangalore
    Reviewed on May 19, 2017
  • review
    "Pathetic disbursal policy- rather not take an insurance"
    0.5 0.5/5 "Unacceptable"
    Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
    Was this review helpful? 35
    , kolkata
    Reviewed on Mar 03, 2017
  • review
    "Fantastic experience"
    0.5 5.0/5 "Blown Away!"
    Very quick response from Customer care team and detailed explanation provided about the product and executive was very enthusiastically answered all the queries with great level of patience, customer care team contacted multiple times basis the requirement ...overall it was very nice experience .
    Was this review helpful? 15
    , gurgaon
    Reviewed on Jan 15, 2017
  • review
    "Excellent services"
    0.5 3.0/5 "Satisfactory"
    Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
    Was this review helpful? 10
    , hyderabad
    Reviewed on Oct 27, 2016
  • review
    "Religare only want new business - good luck with renewal"
    0.5 0.5/5 "Unacceptable"
    Religare is only interested in new business and not care about renewal travel insurance . Their customer care email (ironically customerfirst ?!?!?) is very badly programmed...everytime (even response to quick response) creating new case so they have excuse for new SLA to response. They don't understand that, customer is in foreign country and having risk of heavy fine/medical charges in case of not travel insurance in case of required renewal. My insurance was going to expired (which is already) on 23-Sep-2016 and I sent them renewal request on 20-Sep-2016 and on 21-Sep-2016 signed extension form but yet not received any communication back. More frustrating is, they don't have customer care phone number which can be reachable from outside India (as they have 1800- number). I will not go for them in future.....and advice other too if they have change of extension on trip.
    Was this review helpful? 14
    , mumbai
    Reviewed on Sep 24, 2016
  • review
    "Really good"
    0.5 4.0/5 "Great!"
    I have taken a Travel Insurance from HDFC as I am frequent traveler. It has an accidental cover of around Rs.50 lakhs which is valid internationally as well. I pay the insurance through annual premiums online. I took this two years back and the customer service was good.
    Was this review helpful? 9
    , bangalore
    Reviewed on Mar 19, 2016
  • review
    0.5 5.0/5 "Blown Away!"
    If I pay the premium for first year, I no need to pay the premium for three years. As this travel insurance was offered when I availed car loan. If there any accident happens while traveling the HDFC Ergo cover our hospital fee. Another option is there as they pay three months emi if we lost our job.
    Was this review helpful? 10
    , bangalore
    Reviewed on Feb 20, 2016
  • review
    "Don't buy reliance"
    0.5 0.5/5 "Unacceptable"
    Because of cancelled flight, I missed my connecting flight. Had to make fresh arrangements. On trying to claim, they say no flight or taxi charges will be refunded, its only for food and stay ( normally any Arline's will provide if they cancel) Now finally they have stooped down to a level saying... The policy document (u get after you purchase policy by making payment) doesn't say it will cover missed flight, when asked its in broucher, " our terms and conditions gets modified after the payment is made" by SWARUPA MARTIN claims officer. So my suggestion is reliance don't cover missed flight, try other insurance... Its worst of all.
    Was this review helpful? 37
    , mangalore
    Reviewed on Feb 20, 2016
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