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Family travel insurance: Why you should buy?

Do you know what travelling with family means?

It means spending quality time with your loved ones, bonding with them better and making them feel important. Travelling, when done with family, thus, feels rejuvenating. It takes away the stress of our daily life and we feel refreshed and energized. For all of us, taking a family trip is both important and fun.

No one likes their family holiday to be disturbed by the slightest of disruption.

Contingencies are unwanted instances over which we do not have any control. When faced while travelling, they not only spoil our fun, they also make us incur financial losses. To protect against such losses, a family travel insurance policy is recommended.

What is a family travel insurance policy?

A family travel insurance policy is a travel insurance plan which covers you and your family members against financial contingencies faced when travelling.

The policy covers both international as well as domestic travel. The family members who can be covered under a family travel insurance policy are you, your spouse, your children and your parents.

Should you buy a family travel insurance plan?

Do you know the coverage extended by a family travel insurance plan?

Besides the coverage, the family travel insurance plan proves useful in various contexts and so, you should buy the plan when you travel. Below are the reasons which necessitate a family travel insurance plan:

• The plan provides a comprehensive coverage to family members

When travelling, any family member might fall ill or suffer an accident. In fact, your children and your parents face the maximum risk of medical contingencies. In the event of such contingencies, you would face hospitalization expenses which put a strain on your pockets. This is where a travel insurance plan comes to your rescue. By providing coverage for medical expenses, the plan protects your finances and makes it easy for you to avail treatments when travelling.

Besides the medical coverage, your family travel insurance policy also covers a lot more. Depending upon the plan you purchase, you get coverage against loss of passport. Financial losses due to delay in receiving your baggage or a complete loss of it are also covered. Events like flight hijack, and trip delay or cancellation are also covered. Some insurance companies also provide to get you emergency cash in case of theft. All such coverage feature makes the policy exhaustive and takes away any financial stress which you might face when travelling.

• The plan takes care of your budget

When you plan your family vacation, you stick to a budget. You book your tickets as per your budget and the entire itinerary is planned keeping in mind your affordability. As such, spending on unplanned contingencies disrupts your budget and blows a hole in your pocket. A travel insurance policy is helpful in this regard. By compensating for the financial losses of unforeseen contingencies, the plan helps you maintain your budget.

• The plan gives peace of mind

You cannot avoid emergencies or contingencies but you can definitely avoid the huge losses resulting out of them through a family travel insurance policy. By knowing that the policy covers you against possible mishaps, you can have peace of mind when you travel. Moreover, the policy, by virtue of its coverage, also ensures the comfort of your family members.

Why spend time on financial contingencies when you have a travel insurance policy to help you out?

Always remember that while it is important to cover your travels under a travel insurance policy, this is just a temporary measure. Before purchasing a travel insurance, make sure to read through the policy document carefully. This will help you not getting distasteful shocks at the time of claims. In any case, it’s more important to be safe than to be caught at the wrong side of the planet.

Travelling with the entire family is fun.

Exploring new destinations with your loved ones or just revisiting your old memories bring you joy and peace. Enjoy the time spent with your family and leave the worries to your family travel insurance plan. It would cover any contingency you suffer making your family trip a joyous experience.

So, the next time you are planning a holiday with your family, don’t forget to buy a family travel insurance plan. 

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Stories by sandip shah