Last updated on 03/28/2023
Are my kids included in this plan? What if my father is injured at home when I’m away? Can my girlfriend/boyfriend be on my plan too?
First, for the most part, you can insure all the travelers on one plan. The InsureMyTrip online quote tool allows you to insure up to 10 travelers under the age of 100. It is crucial you include the ages of all the travelers in the quoting process for them to be included in the coverage.
Each provider and each plan has a different way of addressing types of travelers and non-travelers. It’s crucial to understand how the plan covers each person. If you have to file a claim at any point, this information will help the process remain stress-free.
Insuring your kids when you travel is worth it. Kids are wacky with wild imaginations that sometimes result in scrapes, bruises or even broken bones. Not to mention, they are germ magnets! Whether you are traveling domestically or internationally, adding your children to your travel insurance plan will add a level of security to your travel investment that may be the most at risk. Don’t let another ear infection cost you hundreds of dollars in rescheduling or cancellation fees!
Huge Benefit: Many providers have plans that cover your children at no additional cost.
Residing in Different States
If travelers live in different states, you'll most likely need two plans. While some providers may have the ability to sell plans to residents of different states, it’s rare. Most states have their own regulations for travel insurance, meaning the plan details can be different for each traveler.
Huge Benefit: Any necessary claims process will be streamlined with two plans because you won’t need to gather documentation across state lines.
Domestic Partners
If you are traveling with a girlfriend or boyfriend that you live with, you can both be covered by the same policy. Most providers include a domestic partner as a family member. Typically, in the case of a claim, providers may request proof of cohabitation and financial interdependence (credit card statements, joint accounts or a shared lease agreement). In some cases, providers may want to see an affidavit of domestic partnership, if recognized by your state.
Huge Benefit: This documentation also can extend to benefits if a domestic partner is a non-traveler.
Non-Travelers
Remember, coverage and benefits extend to only travelers. Your travel medical coverage will not help a non-traveler and they cannot file a claim for lost baggage. Your travel insurance plan does, however, cover you for travel interruption, cancellation or delay in the case of a non-traveler causing this need. For example, if one of a parent falls and breaks a hip or a child becomes ill. It may be prudent to ask about how pre-existing conditions affect the plan as many providers look at this differently for travelers and non-travelers alike.
Huge Benefit: You can get home as soon as possible without worry about your travel costs if you are needed at home due to illness or death of a family member.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
FAQs
That's why it's so important to have travel insurance that includes trip cancellation and trip interruption benefits. These benefits can reimburse you for nonrefundable trip expenses if you must cancel or interrupt your trip due to the covered serious illness or injury of a family member (among other covered reasons).
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. Prices vary based on your age, protected items, coverage limits and duration of coverage. You don't always have to buy a policy out-of-pocket, though.
Does travel insurance cover the whole party? ›
Remember, coverage and benefits extend to only travelers. Your travel medical coverage will not help a non-traveler and they cannot file a claim for lost baggage. Your travel insurance plan does, however, cover you for travel interruption, cancellation or delay in the case of a non-traveler causing this need.
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.
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.
Is it better to buy travel insurance as a group or individual? ›
Group travel insurance might make sense if everyone in your group has the same itinerary and travels to the same destination. The main perk of group travel insurance versus separate policies for each person is that it streamlines the purchasing process.
Does my travel insurance cover my partner? ›
Most travel insurance policies will cover you if you are unable to go on your trip due to your partner falling ill.
What is not covered by travel insurance? ›
Reasonably foreseeable events. Known storms, epidemics, acts of war. Travel restrictions imposed by government authorities. Pre-existing conditions, unless the Premium plan is bought within the window for coverage.
What are the two 2 basic types of travel insurance? ›
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 100%? ›
If all conditions are met, most of the policies will reimburse you 50% to 75% of your trip costs, unless otherwise noted.
Luckily, group travel insurance policies may cover personal liability costs for everyone in your group. Remember to always read the PDS and the TMD before purchasing travel insurance for groups to understand how your cover works, if it's suitable and what you are and aren't covered for.
Is there a limit on travel insurance? ›
Please note there's a limit to the length of time you can spend away on any individual trip. All Post Office Travel insurance policies cover you up to a maximum of 31 days. If you're going to be away for longer, you can add our trip extension cover.
Is travel insurance per person or per family? ›
Other than children who are covered by someone else's policy, every family member traveling with you should purchase travel insurance.
What are two disadvantages travel insurance? ›
It can also be expensive, difficult to file claims, and not always cover the things you thought it would — or should.
How much should travel insurance cost? ›
The average cost of travel insurance is about 3% to 5% of a trip's total value, according to quotes gathered by our research team across different travel insurance providers for various traveler profiles.
Does trip insurance cover death of family member? ›
Most travel insurance will reimburse you for your pre-paid trip expenses if you cancel a trip because of a family member's death. Your travel insurance may also reimburse you for your unused pre-paid costs if you have to interrupt your trip and return home due to a family death.
Does travel insurance cover my partner? ›
Not necessarily. In most cases, travel insurance can be purchased for family members or friends travelling together, provided they have the same itinerary. In cases where travel insurance for couples isn't available, you may be able to take out a group insurance policy.
Is travel insurance excess per person? ›
Who has to pay an excess? When making a claim the excess is generally per person unless stated otherwise in your policy wording. You may also find with some travel insurance policies the excess will need to be paid per section and per incident too.
