How is the premium calculated when family members have very different ages?

Each traveler's premium is calculated based on their individual age and the number of coverage days. Older travelers pay more. The group policy consolidates everyone under one policy document, but the total premium reflects each individual's age-based rate.

Are infants and very young children covered?

Yes. Most plans cover infants from day one. Children under 10 may be covered at no extra cost on some plans. Confirm the minimum age with the insurer when purchasing.

What if grandparents have serious pre-existing conditions?

Acute onset coverage protects against sudden, unexpected emergencies related to known conditions — not routine care. For grandparents with serious conditions (recent surgeries, cancer in remission, active cardiac issues), review the stability clause carefully. Most plans require the condition to be stable for 60–180 days prior to coverage.

Can family members traveling from different countries be on the same policy?

Visitor insurance is typically purchased based on the destination country. For a reunion in a third country (e.g., a family reunion in Costa Rica where half the family is from the US and half from the UK), each member would typically need their own country-of-origin policy. Contact us for multi-origin group situations.

What is the process for filing a claim during the reunion?

Call the 24/7 assistance line before seeking non-emergency treatment if possible. For emergencies, seek immediate care and report to the insurer as soon as stable. Keep all medical bills, physician notes, and receipts. Claims can be filed online within 90 days of the incident.

👥Family Reunions · 15–100 travelers

Family Reunion Travel Insurance

One policy for every generation — from toddlers to great-grandparents.

Get Group Quotes →📞 (832) 856-1704

Every generation. One policy.

Family reunions bring together the full age spectrum — which also means the full health risk spectrum. Toddlers prone to accidents, teenagers doing adventurous activities, parents managing chronic conditions, and grandparents with significant health histories all need different levels of protection. Group visitor insurance consolidates everyone under one policy with age-appropriate coverage levels.

What Group Travel Insurance Covers

Multi-Generational Coverage

One policy covers infants, children, adults, and seniors — with age-appropriate premiums for each.

Acute Onset for Seniors

The most important benefit for multi-generational families. Covers sudden cardiac events, strokes, diabetic crises, and other acute emergencies in seniors with known conditions.

Pediatric Emergency Care

Emergency room, hospitalization, and specialist care for children — including the unexpected stomach bugs and sports injuries that are common on family trips.

Emergency Evacuation for All

Every family member has individual evacuation coverage — ensuring no one is left without access to appropriate medical care, regardless of where the reunion is held.

24/7 Assistance Line

One number for the whole family — a multilingual medical concierge team that coordinates care for any covered family member at any time.

Cost by Group Size

Group Size	Per Person / Day	Est. Total
Small reunion (15–25 people, mixed ages)	$1.50–$3.50/day avg	$225–$1,750 for 7-day reunion
Mid-size reunion (30–50 people, mixed ages)	$1.40–$3.20/day avg	$294–$3,360 for 7-day reunion
Large reunion (60–100 people, mixed ages)	$1.30–$2.90/day avg	$546–$5,800 for 7-day reunion