Among the many reasons to book single trip travel insurance, taking children away on a holiday may just rank at the top.
As any parent knows, when you have children, particularly small ones, there are always surprises in store. Even a simple single trip travel insurance policy for your family can help make sure those surprises are only pleasant, or at the very least, inexpensive.
Travelling With Children
Many people may think traveling with children in tow is way too much trouble, but the truth is, it's one of the best things you can do for your child. It not only expands their horizons and helps them learn while having fun, it's also good for you. Having children along with you on your journey instils you with their energy, enthusiasm and sense of wonder - which more than makes up for the exhausting pace of running after them and taking care of them for the duration of your trip.
Child-Friendly Policies
The good news is that many single trip travel insurance policies are child-friendly. Many allow coverage for children aged 0-14 as long as they are with an insured parent or grandparent. In fact, there are even some family policies that include children up to the ages of 16 and even up to 18. Other policies for families aren't free, but only charge a minimum per child - but often, those include extended cover for other eventualities normally excluded in regular policies. You will, however, want to make sure about just what (and who) is covered in your policy.
What To Look For
Often, the best policy is one that offers broad coverage for many of the things that occur even without children, and a few more that do. These may include coverage for the following.
Medical Emergencies. Medical bills are troubling enough, but face the issue overseas and that becomes compounded. Add to that the problem of language barriers with doctors and nurses in areas where English is not the norm, and it can be quite daunting. However, with unlimited medical and hospital cover, as well as unlimited emergency assistance, a huge load will be taken off your shoulders, and you are assured that any trip to a foreign doctor will not be a financial burden. Interpreters can even be arranged.
Cancellations. The problem with making travel plans with children involved is that if they get sick or hurt in the days leading up to your big trip you may just have cancel the whole thing. Besides the disappointment this may cause, it can also be quite costly in terms of cancellation fees and lost deposits without a good policy in place.
While airlines and other companies may sometimes reimburse costs when it's due to weather or political disturbances, they may not if it's due to personal emergencies. Single trip travel insurance with comprehensive coverage means that you get unlimited cover for cancellation fees and lost deposits, in any case you need to cancel your big trip.
Lost luggage, gadgets and more. When travelling with small children, the pain of lost luggage and equipment like cellular phones and tablets seems to be that bit more painful: for one, there are many more clothes (and equipment) to replace, plus they aren't the most patient travellers. A good policy can ensure you won't have to make do without clothes or toiletries for the family just because they ended up somewhere other than your destination.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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