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When looking for new and exciting adventures, creating new lasting memories, or sharing experiences as a family, foreign travel is an excellent way to experience something completely new and unlike any other. However, whether due to the high expenses, potential risk, or lack of support when travelling abroad, protecting your loved ones should be a top priority when planning a family vacation. 

Whether against direct and indirect risks or medical and non-medical risks, travel insurance plays a vital role in safeguarding against unexpected disruptions, from medical emergencies to lost luggage. This is why a tailored family travel insurance plan ensures that all family members are covered under one policy, providing peace of mind throughout the trip.

Why is family travel insurance?

Family travel insurance is a risk management system designed to financially protect a group of related individuals travelling together in a single policy. Whether it is for domestic or international travel, it is essential to plan and obtain the right insurance policy with relevant coverages and benefits for the entire family.

Please note that insurance only offers financial protection for covered risks in the form of compensation or reimbursement when travelling. Travellers facing losses due to risks that are not covered will not be compensated. This is why assessing potential risks and obtaining the best travel insurance with relevant coverages is essential.

What are some key coverages to look for in family travel insurance?

As mentioned above, insurance benefits are only applicable for covered risks, thus making it essential for travellers to check out the various coverages offered under family travel insurance. Here is a list of some of the key coverages and what to expect from them:

Medical emergencies

Travel insurance covers hospitalisation, treatment, and emergency medical evacuation, enabling covered travellers to receive compensation or reimbursement for these expenses.

Trip delays, interruptions, and cancellation

Protecting travellers from the financial implications of delayed and cancelled flights to trips interrupted early, this coverage is essential for all travellers.

Missed connection

The loss arising from missing a connecting flight due to delayed primary flight is also offered financial protection under insurance. 

Emergency trip extension

If a trip is extended due to a medical emergency, insurance coverage can be extended one time by up to seven days. 

Loss of passport

A passport is an essential document which acts as a universal identity proof outside India and is necessary to carry with you wherever you travel outside India. The loss of a passport can be daunting and lead to significant harassment, insurance provides compensation for the expenses borne to renew or replace the passport.

Lost checked-in baggage

Families tend to travel with more luggage, which increases the risk of lost or delayed bags. Insurance helps recover the cost of essential items until the luggage is returned or compensates for the permanent loss of checked-in luggage.

Personal accident

When travelling, an individual can be exposed to a significant amount of risk for personal accident, thus making it necessary to have an insurance policy to deal with its impact and travel freely.

How to purchase the best travel insurance for families in India?

Due to online availability, buying the best travel insurance for your needs is now easier than ever. Leading insurance providers and platforms, such as Niva Bupa, enable you to review and compare different plans, ensuring you choose the right coverage for yourself and your family. 

Not just this, if you do not find the right policy for your needs, by comparing different insurers, you can also find the right policy that offers quick claims processes and excellent customer service to ensure a hassle-free experience.

Conclusion

When travelling with your loved ones, family travel insurance is a critical investment in your preparation process. It protects you from medical emergencies, cancellations, and lost baggage, ensuring that your family vacation goes smoothly. With the right coverage in place, you can not just protect yourself from the financial implications of dozens of risks, it is possible to focus on creating lasting memories with your family rather than having to worry about every little step.