Top 10 Travel Insurance Picks for Families

Family travel brings joy, discovery, and precious memories—but it also comes with a few risks. From flight cancellations to sudden illnesses or lost luggage, travel mishaps can be stressful and costly. That’s why having a reliable travel insurance policy isn’t just smart—it’s essential.

But with dozens of providers offering different levels of coverage, how do you choose the best one for your family? Whether you're jetting off for a cultural city break, a beach holiday, or a nature adventure, this guide highlights the top 10 travel insurance picks for families in 2025, helping you find the right fit for your needs, budget, and peace of mind.

What to Look for in Family Travel Insurance

Before we get to the list, here are some key features that make a travel insurance plan ideal for families:

• Coverage for Children: Free or discounted coverage for kids under a certain age
• Medical & Emergency Protection: Strong global coverage for accidents, illnesses, or hospital stays
• Trip Cancellation & Interruption: Reimbursement for prepaid expenses if plans are disrupted
• Lost/Damaged Belongings: Especially helpful for kids’ gear like strollers, gadgets, or medication
• Adventure & Activity Coverage: For families engaging in safaris, trekking, or water sports
• COVID-19 Provisions: Quarantine, testing, and treatment inclusions
• 24/7 Support: Multilingual emergency hotlines and on-ground assistance

Top 10 Family Travel Insurance Plans for 2025

1. Allianz Travel Insurance – OneTrip Premier Plan

Why it’s great for families:
Allianz is a trusted global name offering robust, customizable plans. The Premier Plan includes generous trip interruption and cancellation coverage, and up to $1,000 for baggage loss per person.

• Kids under 18 travel free with covered adults
• 24/7 emergency assistance
• Optional add-ons for adventure sports
• High medical limits

Best for: International trips with multiple stops

2. World Nomads – Explorer Plan

Why it’s great for families:
World Nomads caters to adventurous families who enjoy hiking, surfing, and exploring off the beaten path.

• Covers over 200 adventure activities
• Strong emergency evacuation coverage
• Kids included under family bundles
• Excellent mobile claims processing

Best for: Active families and gap-year-style travel

3. AXA Assistance USA – Silver Plan

Why it’s great for families:
AXA provides reliable coverage at a mid-range price point with generous medical limits.

• Up to $100,000 in emergency medical
• Child discounts and family-friendly options
• Covers kids’ equipment (car seats, strollers, etc.)
• Includes COVID-19-related delays and cancellations

Best for: Moderate-budget families seeking solid all-around coverage

4. Travel Guard by AIG – Deluxe Plan

Why it’s great for families:
AIG’s family plans include perks like concierge services, pet return, and pre-existing condition waivers.

• “Family bundle” discounts
• 24/7 telemedicine access
• Excellent customer service reputation
• High reimbursement caps for trip delay or interruption

Best for: High-touch, high-service travel experiences

5. Seven Corners – RoundTrip Choice

Why it’s great for families:
Flexible plan structure allows families to add or remove specific benefits.

• Includes cancel for any reason upgrade
• Strong medical evacuation and repatriation coverage
• Covers children up to age 17 at no additional cost (with insured adults)
• Offers a loyalty discount for repeat travelers

Best for: Families who want customizable options

6. Generali Global Assistance – Preferred Plan

Why it’s great for families:
Known for its comprehensive coverage and identity theft resolution services, Generali also offers generous benefits for lost belongings and delays.

• Kids travel free under certain policies
• Great for covering hotel/accommodation disruptions
• 24-hour multilingual emergency hotline
• Offers “Trip Cancellation for Any Reason” coverage

Best for: International and domestic travel with high-value bookings

7. Travelex Insurance – Travel Select Plan

Why it’s great for families:
Offers free coverage for children under 17 when traveling with insured adults. Includes medical coverage, trip delay, and lost luggage benefits.

• Option to add adventure sports, car rental collision
• Mobile app for easy access to documents and claims
• Very high medical evacuation limits
• Pet coverage included

Best for: Families with younger kids and pets

8. Trawick International – Safe Travels First Class

Why it’s great for families:
Strong global presence with COVID-19 coverage and telehealth consultations for sick children abroad.

• Covers both U.S. and non-U.S. residents
• Emergency dental and accidental death included
• Offers primary and secondary coverage options
• Includes family-specific plans

Best for: International family vacations with health-focused concerns

9. IMG Travel Insurance – iTravelInsured SE Plan

Why it’s great for families:
A reliable mid-tier plan offering solid trip protection and pre-existing condition waivers.

• Covers kids at discounted rates
• Generous limits for lost/delayed baggage
• Concierge and emergency cash transfer services
• Includes school extension coverage (if the child misses class due to travel delays)

Best for: School-bound families and holiday travelers

10. InsureMyTrip – Family Policy Comparison Tool

Why it’s great for families:
Rather than offering a single plan, InsureMyTrip helps you compare multiple insurance providers based on your exact family setup.

• Filter by destination, activity level, kids’ age
• Access to expert agents for tailored guidance
• Reviews and ratings from other families
• Money-back guarantee if plans don’t suit your needs

Best for: First-time travelers unsure of where to start

Tips for Choosing the Right Plan

1. Read the fine print – Understand age limits, exclusions, and claim processes.
2. Bundle wisely – Opt for “kids travel free” deals if traveling with multiple children.
3. Check for pre-existing condition waivers if applicable.
4. Match your destination – Consider higher coverage for remote or high-risk areas.
5. Consider your activities – If you’re going hiking, skiing, or diving, look for adventure sport inclusions.

Travel insurance isn’t just a safety net—it’s peace of mind. Whether you're splashing in the Maldives, trekking in Bhutan, or exploring cities in Europe, having the right policy ensures your family is protected from the unexpected. From adventure-loving teens to toddlers with toy-filled backpacks, there’s a plan out there that fits your travel style and needs.

At Hi DMC, we believe in worry-free travel. Our team helps families not only plan unforgettable journeys, but also choose the right travel insurance—so you can focus on making memories, not managing emergencies.

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