What should good family travel insurance cover and what are the “must be ” options that must be included in the policy?
1. Repatriation expenses.
2. Medical expenses. ( In case of hospitalization some policies include one family members expenses while staying near the injured).
3. Curtailment and cancellations.
4. Baggage, personal belongings and money lost.
5. Travel delay, missed departure and legal expenses.
6. Personal liability and personal accidents.
Additionally you can add some extra options like sports ( winter sports like skiing, snowboard, golf, diving and other adventure types of sports ), business travel insurance and support during your trip by insurance company.
It is possible to get the cheapest quotes, if you follow these rules:
1. Learn more about the country where you travel to, exactly if it is some exotic country. Make all vaccinations ( for example, if you go to Africa ), take sun cream to protect your skin and sunglasses to protect your eyes if you go to some hot country like Turkey , or Italy ).
2. Ask your family members if anybody is interested in adventures and dangerous types of sports. May be they will not do them at all ).
3. Compare different types of policies, cause it may be not only family but also, annual ( multi trip ) or single.
4. You can buy policy for your family in advance, it will help to get more discounts, but remember, that then everybody must be healthy before the departure.
5. Your children and senior family members must know that coverage only pays for accident but do not protect them from it. If you want your holiday to be nice and unforgettable, everybody must be aware of the cases that may happen to you on your vacations, especially if it is overseas.
