There are many reasons why an annual family travel insurance plan can be helpful for you and your family. Aside from covering you if something goes wrong on one of your trips, there are other benefits that a family insurance plan can provide that you might not have even been aware of.
The following is a short list of reasons why you might want to invest in annual family travel insurance when it comes to you and your family vacation.
1. You take more than one trip a year.
If you and your family travel several times throughout the year, then an annual plan can save you money. It usually covers up to 5 trips and is cheaper than purchasing 5 different policies over the course of the year. It’s also more convenient.
2. You are traveling with young children.
If you are traveling with young children and you suddenly get ill and need to use the medical and evacuation coverage that your insurance plan provides, then you might worry about how this is going to affect the children that are with you. Who’s going to take care of them? A good family policy will help fly other family members over to be with your children while you are taken care of, as well as provide for them until someone gets there to help.
3. You have to cancel your trip.
Things always come up when it comes to family travel. If you have pre-booked everything and an emergency comes up and you can’t go on your trip, trip cancellation coverage can help cover the costs and expenses that you have already paid. That means that the $2500 deposit that you paid towards your Disneyworld trip can be returned to you-even if it was non-refundable.
4. Your kids get sick while you’re traveling.
No matter what types of travel insurance you are looking into, you should ensure that medical insurance is included as part of it. Your insurance at home might not work abroad. If you are doing any kind of adventure travel, too, then you should ensure that it’s included as part of the policy as well. Whether someone gets sick from the flu or suffers a broken leg while skiing, you want to know that you can seek medical attention.
5. You need other forms of protection.
If your baggage gets delayed or lost altogether, it can be expensive to run around and try to buy new clothing, toiletries, and supplies for your entire family. In fact, if you are traveling on a budget then this could severely eat into it. You want a policy that covers delayed or lost baggage so that you don’t have to depend on the minimal amount of protection that the airline provides you. While your son might not have his favorite teddy bear, at the very least you can make an event out of buying him a new one, which might take some of the edge off.
An annual family travel insurance plan can provide a lot of benefits for your family. Although you hope that you won’t have to use it, it’s always better to be safe than sorry.
Image via Flickr