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All you need to Know about Family Travel Insurance

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With the world getting more connected day by day, travelling has become easier and more comfortable than ever. Be it for official purposes or for fun, travelling has become an essential part of our lives. But, even with all the advancements in transportation systems, one cannot neglect the risks associated with travelling. A travel insurance cover will protect you against unforeseen events like lost baggage and other contingencies like sudden medical emergency. Best family travel insurance policy will protect your whole family against risks associated with travelling.

What is Family Travel Insurance?

Family Travel Insurance is protection in terms of insurance for the entire family, whilst they are traveling together. Usually, the terms of a typical family travel insurance policy cover a family comprising of two adults and up to four dependent children. Family Travel Insurance is intended to protect the family against financial contingencies arising from travel related incidents.

Benefits of Family Travel Insurance Policy

Organizing a travel plan for the entire family can be tedious enough without the insurance part. It is always advisable to select a family travel insurance plan when you and your family are embarking on an overseas trip. Here are some of the advantages of opting for a family travel insurance scheme.

  • With a family travel insurance scheme, you need not go through the trouble of arranging individual travel insurance policies for all members of the family.
  • Since the sum insured is shared by all family members, there will be a single premium. The premium amount will also be less when compared to normal travel insurance schemes.
  • You can customize the policy as per your family’s requirements. The travel insurance scheme can be selected for a period of single trip, multi-trip or as a year-round scheme.
  • Family travel insurance scheme is very economical and optimal when compared to availing separate insurance policies.
  • Additional coverage for medical evacuation, personal accident, repatriation and such can be opted for.
  • Majority of insurers now offer other facilities like cashless claims, minimal documentation, online renewal, international assistance and competitive premium rates for family travel insurance.

What does a Family Travel Insurance Cover?

Here are some of the situations that might occur to you or your family unexpectedly which are covered by most of the family travel insurance policies.

  • Emergency medical costs that you or any of your family members incur whilst overseas for a case of sudden illness, death or injury.
  • Accidental bodily injury when travelling
  • If you are hospitalized for more than a specified number of days, the ticket fare for a member of family visiting you will be covered.
  • Expenses incurred for emergency medical evacuation to India
  • Expenses incurred for transporting the mortal remains of the insured back to the country or expenses incurred for burial overseas in case of an unfortunate, untimely demise.
  • Death or permanent disability because of an accident when travelling in a common carrier will be compensated for by the insurer.
  • Loss of your checked-in baggage by an airline carrier.
  • In case you lose your passport, the cost of obtaining a fresh or supplicate passport will be covered.
  • If the trip is delayed or cancelled due to perils like natural disasters or airline, medical problems, the expenses incurred will be compensated/
  • If you miss a connecting flight because of a delay exceeding a certain number of hours, the expenses incurred will be compensated
  • The insurance will also cover you against burglary in your home when you are travelling overseas.
  • The insurance policy will also offer allowance in case your plane is hijacked.
  • You will also be offered emergency funds in case you lose your money due to a theft.

The points given above describe the common covers offered by a family travel insurance scheme. Please refer to your insurer’s policy wordings carefully for information regarding inclusions and exclusions offered by your policy.

What is not covered under a Family Travel Insurance?

Below are some of the common exclusions.

  • Pre-existing medical conditions unless life-threatening, will not be covered
  • Costs incurred because of conditions like mental disorder, anxiety, HIV AIDS, suicide and venereal diseases
  • If you are travelling against the advice of a doctor or travelling specifically to receive medical treatment overseas, you will not be covered.
  • Nuclear threat or war related activities causing damage
  • Problems arising because of unattended baggage or theft unreported to local police authorities
  • No partial loss or damage to checked-in baggage shall become payable.

Why do you need Family Travel Insurance?

Your family has always been your source of support, inspiration, love and pride. Travelling together is one of the best ways for your family to bond together and spend some quality time as well. Many precious moments which can be cherished for a lifetime is made when travelling with your family. But, travel also presents some associated risks. Make your family travel fool proof by investing in a comprehensive travel insurance scheme.

How to Compare Different Family Travel Insurance Schemes?

Choosing a right plan from a myriad of travel insurance schemes available in the market can be a daunting task. Here are some of the factors that you must keep in mind when comparing different family travel insurance schemes.

  • Duration of Trip - The number of days that you are travelling decides your premium. Premium for a single trip for 15 days will cost more if you extend your itinerary. Compare different plans based on the premium cost per day.
  • Type of Travel - If you have decided to take a family travel insurance plan, you must decide if you are going to take an annual policy, a single trip policy or a multi-trip plan. The premium will depend on the type of plan that you choose.
  • Travel Destination -When choosing travel insurance plans, compare plans based on the premium offered for the country that you are heading to. For example, medical costs are higher in European countries and American countries than in Asian countries and this point becomes crucial when calculating premium.

How to a Travel Insurance Claim?

  • Call the concerned insurance company’s toll free number or send a mail regarding your contingency. The customer service numbers may vary depending on if you are abroad or if you are in India.
  • A claims form will be forwarded by email or fax. Also, a service representative from the insurance company will brief you on the procedures and the documents required.
  • The documents required may vary depending on the nature of contingency if it is loss of cash, flight delay or a medical emergency.
  • You will be required to forward all the supporting documents by mail or fax.
  • After assessment by a surveyor, claims will be approved.

Never risk your family’s happiness – avail a family travel insurance scheme to protect your family against unforeseen events.

All you need to Know about Family Travel Insurance Reviews

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  • review Travel Insurance
    "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? 1
    , hyderabad
    Reviewed on Dec 07, 2018
  • review Travel Insurance
    "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? 0
    , new delhi
    Reviewed on Dec 02, 2018
  • review Travel Insurance
    "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? 0
    , bangalore
    Reviewed on Nov 26, 2018
  • review Travel Insurance
    "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? 1
    , madurai
    Reviewed on Oct 31, 2018
  • review Travel Insurance
    "AVERAGE"
    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? 1
    , hyderabad
    Reviewed on Oct 16, 2018
  • review Travel Insurance
    "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? 2
    , hyderabad
    Reviewed on Apr 04, 2018
  • review Travel Insurance
    "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? 3
    , new delhi
    Reviewed on Jan 26, 2018
  • review Travel Insurance
    "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? 1
    , thane
    Reviewed on Oct 09, 2017
  • review Travel Insurance
    "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? 1
    , bangalore
    Reviewed on Aug 31, 2017
  • review Travel Insurance
    "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? 1
    , bangalore
    Reviewed on May 19, 2017
  • review Travel Insurance
    "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? 11
    , kolkata
    Reviewed on Mar 03, 2017
  • review Travel Insurance
    "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? 4
    , gurgaon
    Reviewed on Jan 15, 2017
  • review Travel Insurance
    "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? 1
    , hyderabad
    Reviewed on Oct 27, 2016
  • review Travel Insurance
    "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? 1
    , mumbai
    Reviewed on Sep 24, 2016
  • review Travel Insurance
    "Very good"
    0.5 5.0/5 "Blown Away!"
    I am having the travel insurance policy with the Tata AIG general insurance company and I used to get it while am going abroad. Coverage value is depends on the country where am going, also they are providing coverage for my luggage.
    Was this review helpful? 6
    , bangalore
    Reviewed on Apr 16, 2016
  • review Travel Insurance
    "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? 2
    , bangalore
    Reviewed on Mar 19, 2016
  • review Travel Insurance
    "Wonderful..."
    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? 3
    , bangalore
    Reviewed on Feb 20, 2016
  • review Travel Insurance
    "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? 12
    , mangalore
    Reviewed on Feb 20, 2016
  • review Travel Insurance
    "compulsory for travellers..."
    0.5 4.5/5 "Excellent!"
    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? 7
    , thane
    Reviewed on Nov 28, 2015
  • review Travel Insurance
    "Very good"
    0.5 4.0/5 "Great!"
    The service offered by ICICI Two wheeler insurance is fine. I am holding this two wheeler insurance since 2010. The returns are not good the money value is less. One thing I would like to say the claim experience policy was very lengthy and they were unable to refund a particular amount.
    Was this review helpful? 4
    , chennai
    Reviewed on Oct 01, 2015
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