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Family Travel Insurance

Got family vacation ideas and now looking to go overseas with your family. When travelling abroad with the family, it’s always important to have a back-up plan so you can enjoy a great family vacation. Travelling with family always gives you a priceless experience, although you may have to face hurdles while travelling such as medical contingencies, lost your baggage or other travel related incidents. A family travel insurance is the best way to get a comprehensive cover for the entire family while going abroad. It protects you and your family against such eventualities. Buying a family travel insurance plan ensures a trouble-free holiday experience for your loved ones.

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A family travel insurance provides cover for your family against medical expenses arising due to sudden illness or injury. Typically, it also includes cover for emergency evacuation and repatriation of the insured family. This travel insurance also provides cover for other travel-related contingencies such as trip cancellation/interruption, loss/delay of baggage, lost tickets & passport, personal liability, etc. You can enjoy 24/7 travel assistance services and much more.

This travel insurance plan provides you with a protection cover that ensures guard against expenses arising due to unforeseen circumstances, while you are on a business trip.

A family travel insurance provides complete cover for your family against all travel-related incidents.

Coverage Available

Following are the coverage available under a family travel insurance policy:-

Emergency Medical Treatment: A family travel insurance policy covers the cost incurred in any emergency medical treatment of any covered member of the family, while travelling. Insurance companies usually cover the cost incurred towards medical evacuation to a hospital in India. You are advised to ask your insurance company about the coverage available under the medical treatment section.

Dental Treatment: In case of any emergency dental treatment, the cost incurred is usually covered under a family travel insurance plan. You need to ask your insurance company about the coverage available.

Delay/Cancellation of Trip: In case your trip is cancelled or delayed, it covers non-refundable or advanced payments that you have made such as airline tickets booking, hotel room booking, etc. It also covers expenses incurred due to cancellation or delay of trip like cost involved in an emergency hotel accommodation Moreover, it also covers expenses that incur due to curtailment of the trip, subject to valid reason provided.

Accidental Death & Disablement: This insurance policy covers the risk of accidental death and disablement sustained during the family trip. It compensates you or your family in the unfortunate loss of life or disablement in an accident, up to a limit as specified under policy schedule.

Repatriation of Remains: In the event of the demise of the insured during the travel, it covers the cost incurred in transporting mortal remains to the home country.

Repatriation of Remains: In the event of death of the insured during the travel, the cost incurred towards transportation of remains to the area of principle residence is covered.

Personal Accident (Common Carrier): In the event of an accident while travelling on a common carrier during travel, an amount is payable as specified under the policy schedule.

Personal Liability: It pays towards damages to a third party made due to your fault including any damage to property, bodily injury, or death.

Hospitalization Daily Allowance: Some insurance companies offer hospitalization daily allowance, in the event of hospitalization of the insured during the travel. The daily allowance depends on the terms specified under the policy schedule.

Hijack Allowance: In case of hijack of the common carrier in which you are traveling, some insurance companies provide hijack allowance. You need to check about the coverage available with your policy.

Financial Emergency Cash: Some insurance companies offer a lump sum amount in case of loss of travel funds due to the theft, robbery or dacoity.

24/7 Assistance: Most of the insurance companies offering travel insurance plans, also provides the insured with 24x7 assistance to take care of their emergency needs, while travelling.

(The cover available may differ from one plan to another. These coverages are applicable for only the covered family members.)

Best Family Travel Insurance Plans

Family Travel Insurance Plans Eligibility Criteria Key Benefits Add-ons
Bajaj Allianz Corporate Travel Plan Self & spouse – up to - 60 years of age, two children- under 21 years,
  • Medical Expenses, Evacuation and Repatriation
  • Emergency dental pain relief
  • Loss of Baggage (Checked)
  • Delay of Baggage
  • Personal Accident
  • Loss of Passport
  • Personal Liability
Not Available
Apollo Munich Family Easy Travel Insurance Plan* 6 months to 70 years, Children up to 21 years
  • Medical Treatment, Assistance & Evacuation
  • Dental Care
  • Repatriation of Mortal Remains
  • Hospital Daily Cash
  • Personal Accident
  • Total Loss of Checked Baggage
  • Delay of Checked Baggage
  • Loss of Passport
  • Financial Emergency Cash
  • Personal Liability
  • Trip Delay
  • Hijack Daily Allowance
Not Available
Reliance Overseas Travel Insurance* 6 months to 60 years
  • Medical Expenses Incl. Transportation & Evacuation
  • Dental Care Expenses
  • Loss of Passport
  • Total Loss of Checked baggage
  • Delay of Checked Baggage
  • Personal Accident
  • Accidental Death & Dismemberment- Common Carrier
  • Personal Liability
  • Daily Allowance in case of Hospitalisation
  • Financial Emergency Assistance
  • Hijack Distress Allowance
  • Trip Delay
  • Trip Cancellation & Interruption
  • Missed Connection
  • Compassionate visit
  • Home Burglary Insurance
Not Available
(Benefits may vary depending on the plan variant opted.)

Benefit Illustration

Let’s understand the benefits of a family travel insurance policy with the help of an illustration.

In case, you have opted for Bajaj Allianz Travel Companion Plan, you can get coverage for the following scenarios.

Medical expenses and repatriation:These expenses are covered up to US $50,000 with deductibles of US 100.

Emergency Dental Pain Relief: These expenses are covered up to US $5,00 with deductibles of US 100. It is covered under the medical expenses section.

Loss of Checked Baggage: It is covered up to US $250. Per baggage, up to a maximum of 50% and per item in the baggage, up to 10%.

Delay of Baggage: It is covered up to US $ 100 and it is payable, when the delay is for more than 12 hours.

Personal Liability: It covers the legal liability attaching in a private capacity, during the course of overseas travel.

Personal Accident: In the event of personal accident during the travel, you can get an amount up to US $10,000. Up to 50% of the sum assured is payable for the death of the insured aged below 18 years.

Loss of passport: It is covered up to US $150 with deductibles of US $15.

Personal Liability: It is covered up to US $2,000 with deductibles of US $100.

Family Travel Insurance General Exclusions

  • Pre-existing conditions & their complications
  • Traveling abroad for obtaining medical treatment
  • War, invasion, or act of foreign enemy
  • Self-inflicted injury, suicide or attempted suicide
  • Participation in adventurous activities
  • Breach of law with criminal intent
  • Abuse of intoxicants or hallucinogens
  • Pregnancy, childbirth & its complications, etc.
(Note: The exclusions may vary from one insurer to the other)
Travel Insurance Companies

ICICI Lombard Travel Insurance

SBI Travel Insurance

TATA AIG Travel Insurance

Bajaj Allianz Travel Insurance

HDFC ERGO Travel Insurance

Reliance Travel Insurance

Royal Sundaram Travel Insurance

BHARTI AXA Travel Insurance

Future Generali Travel Insurance

IFFCO Tokio Travel Insurance

Religare Travel Insurance

Cholamandalam Travel Insurance


Apollo Munich Travel Insurance