If you are planning a trip with your family and are wondering whether travel insurance is only for adults or should I buy travel insurance for my children too?
So the simple answer to this question is that you should assess yourself whether you can bear the loss of that non-refundable flight ticket if your trip is delayed or canceled during your travel.
Or if your child has a medical emergency during the trip, can you bear his medical costs? If you can bear all these losses yourself then you do not need to take travel insurance for your children. But if all these losses are an extra burden for you, then in this situation you must take travel insurance for your beloved child.
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How To Get Travel Insurance For Under 18
You have many options to get travel insurance for your children below 18 years of age. If you want, you can include them in your family travel insurance plan. Or if you want, you can take their separate plan.
You can take travel insurance online or offline through an agent. Whichever medium you choose, be sure to compare multiple travel insurance plans before purchasing. Apart from this, if your child has any special medical condition then take coverage accordingly.
The most important thing is that if your trip is for how many days and you have not planned any high risk adventure activities in the trip. If there are any such high risk adventure activities, then accordingly you must take a travel insurance plan with a coverage of at least up to US$ 20,000.
If we talk about destination then it is the most important thing to get travel insurance. If you are traveling to another state of your own country, then if you already have a health insurance plan in the name of your children, then in case of any medical emergency, you can claim the cost of medical treatment from your child’s health insurance policy.
But if you are traveling abroad with your family and children, then in this condition your standard health insurance will not cover the medical cost or will cover it limitedly.
Therefore, considering the health condition of your family and children, you should take travel insurance as per your required coverage, considering your trip destination.
Also Read: Travel Insurance When Pregnant: Things To Know (Updated Guidelines 2024)
Can I add my child to my existing family travel insurance plan or buy separate one for them
Whatever be the travel insurance plan, if you take a combined plan for the family then it will be a little cheaper for you, but if the adults have any pre-existing disease then the premium of the family travel insurance plan can also be costlier.
Most travel insurance companies recommend adding children between the ages of 18 and 21 to their parents’ travel insurance plan. But you have to see that if any of your family members has any pre-existing disease, then take a separate travel insurance plan for that member. After that, take a travel insurance plan for the remaining members together.
Are there age restrictions for purchasing travel insurance for children?
Many travel insurance providers offer coverage for children under 18, with some policies extending coverage until the age of 21 or 22. Children 17 or under can often be added to a family travel insurance plan, and some policies allow grandparents and other family members to add children as well. It’s important to check the specific age restrictions and coverage details of the insurance policy you are considering.
My child is a healthy teenager; is travel insurance still necessary?
Yes, it is still necessary to get travel insurance for a healthy teenager. Travel insurance for children provides essential coverage for medical expenses, trip cancellations, and lost belongings.
It is particularly important when children are traveling without their parents, as it provides protection against unforeseen events such as medical emergencies and loss of belongings.
Some policies also offer compensation for injuries resulting from sports and high-risk activities. Therefore, it is advisable to ensure that your child is covered by a suitable travel insurance policy when traveling.
Must Read: Does Travel Insurance Cover Car Rental Accidents & Damages?
If my child has pre-existing medical conditions, can I still get travel insurance for them?
Yes, you can still get travel insurance for your child if they have pre-existing medical conditions. In most cases, you’ll need to obtain a pre-existing conditions waiver before traveling, and some providers may require written approval from a doctor.
We rarely travel; should I still get travel insurance for this one trip?
While travel insurance is not legally required, it is advisable to get it for any trip, even if you rarely travel. Travel insurance can provide coverage for medical expenses, trip cancellations, and lost belongings, which can be particularly important when traveling with children.
It can also provide a sense of security when prepaying for pricey reservations, a big international trip, or travel during cold and flu season, which can be unpredictable.
The cost of travel insurance is usually determined by the cost of the trip, and some policies may cover children under 18 for free.
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FAQs
Q.1 – Can I Get Travel Insurance For A Child Only?
Yes, you definitely buy travel Insurance for a child only. You should consider buying travel insurance for your child separately if they are traveling alone, have pre-existing medical conditions, will engage in high-risk activities, have different travel plans, or if your family policy has limitations.
Q.2 – Can stepchildren be included on family travel insurance policies?
Yes, stepchildren can be included on family travel insurance policies. Family travel insurance policies typically cover immediate family members, including stepchildren, adopted children, and foster children.
