Do children need separate annual policies?

Yes — annual visitor insurance policies are individual. Each child needs their own policy. Children under 10 may be eligible for free or significantly reduced coverage on certain plans. The premium savings for children are substantial — typically 40–60% below adult rates.

Can we purchase annual coverage for grandparents who join some family trips?

Yes. Annual plans are available at any age (up to 99). Grandparents can purchase their own annual plan to cover the trips they join. Note the reduced acute onset limits for travelers over 70 — compare plans carefully for elderly grandparents.

What if the family takes different trips at different times?

Annual plans cover each insured person on their own individual trips — including separate trips. If Dad travels solo on a business trip and the family travels together on vacation, both are covered under their respective individual annual policies.

Is there a family discount for annual coverage?

Visitor insurance annual plans are individually priced. There is no explicit family discount, but children's premiums are significantly lower than adult rates — and the overall family cost is typically 30–40% less than purchasing single-trip policies before each family vacation.

What if a child develops a new health condition during the annual policy year?

A new condition diagnosed during the policy year becomes a pre-existing condition for claim purposes on that same policy. For trips taken after the diagnosis, the new condition is subject to the stability clause. Acute onset provisions still apply for sudden emergencies.

📅Annual Multi-Trip Coverage · Families with Children

Annual Travel Insurance for Families

Year-round international coverage for every family trip — no per-trip purchasing.

Worth it if you travel: 2+ international family trips per year

Compare Annual Plans →

Families who travel internationally multiple times per year spend significant time — and money — purchasing insurance before each trip. Annual family coverage eliminates that friction. Every family member is covered for every international trip throughout the year, under individual annual policies purchased together.

What's Covered on Every Trip

✓

Emergency Medical for Every Family Member

Each family member has individual emergency medical coverage — pediatric ER visits, adult hospitalizations, and senior emergency care on every covered trip.

✓

Children's Emergency Care

All covered emergencies for children including sudden illness, fever hospitalizations, and accidental injuries — common in active traveling families.

✓

Emergency Evacuation per Person

Each family member has individual evacuation coverage — if a child needs emergency air transport, parents' coverage is unaffected.

✓

24/7 Family Medical Assistance

The insurer's medical team manages emergencies for any family member — finding pediatric specialists, coordinating care, and supporting parents through medical crises abroad.

Annual vs. Single-Trip: Cost Comparison

Annual wins when you take 2+ international family trips per year

Scenario	Single-Trip Cost	Annual Plan	Savings
2 trips × 10 days (2 adults 40 + 2 children)	~$80–$160 × 2 trips = $160–$320	$240–$360 for 2 adults/year (children at reduced rates)	Small savings; gains are convenience and coverage gaps eliminated
3 trips × 10 days (2 adults 45 + 2 children)	~$120–$220 × 3 trips = $360–$660	$300–$480 for 2 adults/year	Saves $60–$180/year
4 trips × 8 days (2 adults 50 + 3 children)	~$160–$300 × 4 trips = $640–$1,200	$440–$720 for 2 adults/year	Saves $200–$480/year