Travel Insurance for Children: What Should You Know Before Choosing

Published 22 February 2022 at 16:08

Tickikids Blog Dubai >  After-School Activities >  Travel Insurance for Children: What Should You Know Before Choosing

Traveling is always a great opportunity to enjoy the beauty, architecture, sea, ocean or nature of other countries. However, when you are going for a trip with kids, it is easier said than done. For many parents, preparing for a trip can be a real challenge. After all, there are so many different problems and risks.

What Should You Know About Travel Insurance for Kids?

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Because of the pandemic, most tourists have already become accustomed to the fact that insurance is an integral part of preparing for a trip, especially when it comes to traveling with children. The need for insurance arises not because of parental anxiety. It has become something familiar and inalienable in the modern world.

Of course, insurance is not a solution to some problems. But if they occur, this is a chance to get help. Today there are several options for insurance in the modern market. Among the main types, there are family, personal, and one-trip options. Let’s review them in more detail.

Family Insurance

If you are traveling with a child, it is always worth considering the offer for families. Sometimes family insurance can be more beneficial than insurance for each family member individually. Such a package provides an opportunity to receive equal coverage for all family members. When it comes to kids' insurance, such an offer can be more beneficial.

Personal Insurance

If your child is going on a trip without you, then you should consider private insurance offers. For example, this is an option when a child goes on a trip with schoolmates or relatives. It is also common for a school to order group insurance. But many parents still choose an additional personal package to make sure that the child is fully insured. As practice shows, the group insurance includes only the basic coverage, so adding personal insurance makes sense. 

One Trip Insurance

Also on the insurance market, some offers allow you to take out insurance that will cover a certain trip. But if your child will have several trips in a short period, then the option of insuring for a certain period will be more profitable than permanently issuing a new policy.

What Is Included in the Insurance Package?

Almost all insurance packages have approximately the same set of features.

• Returning home costs which means covering the costs of returning minor children home. In case you get sick and stay in the hospital for more than 7 days (as usual), this function means that the children will be returned home so that they are not left unattended.
• Covid-19 cover. Also, most modern travel insurance packages include Covid coverage even for children.
• First aid help. All insurance packages include first aid for children.
• 24/7 support services. Most of the travel packages include round-the-clock emergency services.

What May Not Be Included in Insurance Packages?

Regardless of the different types of insurance, there is a list of additional insurance services that can be necessary for every parent.

• Flight cancellation or delay. If for some reason the flight is delayed or canceled altogether, such an additional insurance service will cover the losses.
• Theft or loss of luggage/things. The loss of some documents or things is something that every child can face. Especially if the child will travel without parents. That is why, when it comes to insurance for international travel, this additional service is a must-have.
• Sports/active recreation. When it comes to holidays with children, the issue of trauma is always acute. This is because children are very active, and when they are also involved in some kind of activity or sport, insurance is simply indispensable. Therefore, if your child goes on a trip where they will be involved in any physical activity, it is worth considering such an additional insurance service to make the trip as calm as possible. In particular, this offer is relevant for winter sports.
• Medical treatment. Depending on the insurance packages, health insurance may vary. For example, with an insurance service for sports or winter sports, injuries received during these activities will be covered. But this does not mean that insurance will cover other health problems. Thus, such additional service is an opportunity to indicate all individual characteristics in the context of a child’s health and protect them from common illnesses.

How to Choose the Right Insurance Package?

First of all, you need to determine the following key points:

• Are you traveling with your child?
• Will it be a one-time trip or do you plan the next trip too?
• What activities will the child be engaged in during the trip?

Answering these questions will allow you to gain an understanding of what type of insurance package is best for you. Answering these questions will make it easier for you to interact with a consultant. You will be able to provide your requests more accurately, and the insurance consultant will be able to offer you the most suitable options much faster.

But, it is worth remembering that you should always compare all insurance offers. This is because it is possible to explore more extended offers, a better price, and so on. That is why do not forget to analyze and compare everything that is offered to you.

Wrapping Up

Insurance is a must for any trip, regardless of the age of tourists. But when it comes to traveling with children, this is a must-have for those parents who want to protect themselves and their kids from unnecessary stress and get help if necessary. It is not worth saving on insurance when it comes to traveling with children, as this is an important feature in today's conditions of any trip. 

About the author

Isabelle Jordan is a business and marketing journalist at EKTA TRAVEL insurance company. She writes for different news portals and thematic blogs that help her stay at the heart of the travel and insurance news. Isabelle knows everything and more about travel guard insurance.