A family reunion brings people from multiple countries to the USA — each with different ages, health histories, and insurance needs. Getting everyone properly covered is simpler than it sounds.
Quick Answer
For family reunions, each visitor should have their own visitor insurance policy with at least $100,000 in medical coverage. Individual policies are usually better than group policies for mixed-age families. For 10+ people, contact insurers for group discount rates.
Frequently Asked Questions
Do all family reunion visitors need their own visitor insurance?
Yes. Each person needs individual coverage — one policy does not cover multiple unrelated visitors. Even children need coverage, though they're often discounted or free under a parent's policy.
Can I get a discount for insuring a large family group?
Yes. For groups of 5–10+, contact IMG, Trawick, or WorldTrips directly to ask about group discounts. Discounts typically range from 5–15%.
What if a family member has a medical emergency during the reunion?
They call the 24/7 assistance line on their insurance ID card. The insurer coordinates care and manages billing. Each person's policy covers them individually.
How far in advance should we buy visitor insurance for a reunion?
Buy as soon as travel dates are confirmed — ideally 2–4 weeks before departure. This maximizes the pre-existing condition look-back benefit and ensures no last-minute coverage gaps.
Is trip cancellation coverage important for family reunions?
Yes — especially for international visitors with costly flights. If the reunion is cancelled due to a covered event, trip cancellation reimburses non-refundable travel expenses.
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