Are children covered under the same family policy?

Yes. Children of any age can be added to a family visitor insurance policy. Premiums for children under 18 are typically 40–60% lower than adult rates, and children under 10 are often free on certain plans.

Can grandparents be included on a family policy?

Yes, but travelers over 70 may have different coverage limits — particularly for acute onset of pre-existing conditions. WorldTrips Atlas America covers acute onset up to $100,000 for ages 70–79. Compare plans carefully if seniors are included.

What if a child gets sick and needs to be hospitalized abroad?

Your policy covers emergency hospitalization, specialist visits, prescribed medications, and follow-up care directly related to the illness. Call the 24/7 assistance line first — they can arrange direct billing so you don't pay out of pocket.

Does family travel insurance cover pregnancy emergencies?

Most visitor insurance plans cover acute pregnancy complications (unexpected emergencies up to 26 weeks gestation) but not routine prenatal care, planned deliveries, or complications after 26 weeks. Check your policy's pregnancy exclusions before purchasing.

How is the cost calculated for a family with different ages?

Premiums are age-banded. Each family member's premium is calculated based on their individual age and the number of coverage days. Older travelers pay more per day. You pay one total premium that covers all family members.

👥Families · 2–8 travelers

Family Travel Insurance

Medical coverage for every family member — from toddlers to grandparents.

Get Group Quotes →📞 (832) 856-1704

One policy for the whole family

Family trips involve the most unpredictable medical risk: young children prone to sudden illness, elderly grandparents with pre-existing conditions, and parents who need to stay healthy to care for everyone else. A single family policy ensures everyone is covered with consistent limits — and makes claims management far simpler when something actually goes wrong.

What Group Travel Insurance Covers

Pediatric Emergency Care

Full coverage for children's ER visits, fever hospitalizations, and accidental injuries — which occur at higher rates in unfamiliar environments.

Acute Onset Pre-existing Conditions

Critical for grandparents and older parents traveling with the family. Covers sudden emergencies related to known conditions like heart disease, diabetes, or high blood pressure.

Emergency Evacuation

$500,000–$1,000,000 per person to transport any family member to an appropriate medical facility or back home.

Repatriation of Remains

In the event of a tragedy, covers the cost of returning remains to the home country — a critical but often overlooked benefit.

24/7 Medical Concierge

Multilingual medical team available to help parents navigate foreign healthcare systems when children are sick.

Cost by Group Size

Group Size	Per Person / Day	Est. Total
Family of 3 (2 adults, 1 child)	$1.20–$2.50/day	$36–$150 for 10-day trip
Family of 4 (2 adults, 2 children)	$1.20–$2.50/day	$48–$200 for 10-day trip
Extended family (6 adults)	$1.40–$3.20/day	$84–$384 for 10-day trip
Multi-gen (2 seniors + 2 adults + 2 children)	$2.50–$5.50/day	$150–$660 for 10-day trip