Best Travel Insurance for Families

Key Takeaways

Travelex Insurance Services ranks No. 1 overall, offering high medical and evacuation limits plus free child coverage.

Seven Corners, IMG, and World Trips lead in family-friendly evacuation and child-return benefits.

The most cost-effective family plans balance trip-cancellation, emergency medical, and protection for both kids and adults.

Best Travel Insurance Companies for Families

Family travel insurance covers everyone under one policy, from infants, teens, parents, and even grandparents. You'll get reimbursed for prepaid vacation costs if someone gets sick, covered for medical bills abroad, and protected during emergencies like evacuations or lost baggage.

MoneyGeek analyzed travel insurance data across cost, medical, and evacuation coverage, as well as family-specific benefits such as kids-included pricing or return-of-minor-children protection.

Travelex Insurance Services takes the top spot for family coverage, earning a score of 0.93 out of 1.0 in MoneyGeek's analysis. Seven Corners ranks second (0.88) with its Return of Minor Children benefit, while IMG's Travel SE secures third place (0.84) with strong international coverage and telemedicine access.


🏆 1	Travelex Insurance Services - Travel Select	0.93	$202	$500,000	$1,000,000	Kids under 17 covered free	Families with younger children
🥈 2	Seven Corners - RoundTrip Choice	0.88	$225	$500,000	$1,000,000	Return of Minor Children benefit	Large or multigenerational families
🥉 3	IMG (iTravelInsured) - Travel SE	0.84	$240	$250,000	$500,000	Telemedicine in 190 countries	International family trips
4	World Trips - Atlas Journey Preferred	0.82	$218	$250,000	$500,000	Transportation of Children	Families on extended holidays
5	World Nomads - Standard Plan	0.75	$185	$100,000	$300,000	Covers 200+ adventure sports	Families with teens

Best Overall for Families

Travelex

Travelex's Travel Select plan combines strong coverage with transparent pricing. Kids under 17 travel free when with a parent, and you'll see the savings immediately in your quote.

Average Cost: $202 per trip for a family of four (U.S. domestic trip)
Emergency Medical: $500,000 | Evacuation: $1,000,000

Travelex's bundled structure favors younger age mixes. Parents under 50 and children under 18 pay less than individual travelers would separately. The policy allows optional Cancel For Any Reason (CFAR) upgrades, which let you cancel for any reason not already covered and receive 50 to 75% of your prepaid trip costs back. This flexibility matters for families juggling school schedules, work commitments, or last-minute childcare issues.

Its $1 million medical-evacuation coverage protects families during international vacations. If your child needs specialized care unavailable at your destination, Travelex covers the cost of transport to the nearest appropriate facility, or even back home if medically necessary.

Ideal for: Families with younger children seeking broad protection and free child coverage.

Best for Families With Young Children

Allianz

Allianz provides excellent child-focused trip cancellation protection. If your toddler spikes a fever the morning of departure or your infant develops an ear infection mid-trip, or you're dealing with pregnancy complications, Allianz reimburses prepaid costs.

Average Cost: $210
Emergency Medical: $250,000 | Evacuation: $500,000 | Trip Cancellation: Up to 100% of trip cost

Allianz uses age-tiered pricing. Younger adults pay less, but rates rise for travelers over 60. Even so, the family bundle remains competitive for multigenerational trips. Grandparents traveling with grandchildren still benefit from group pricing that beats buying individual policies.

Allianz's global emergency-assistance line supports parents 24/7 in multiple languages. If your child needs medical attention abroad, you can call the hotline for help locating English-speaking doctors, arranging hospital visits, or coordinating care. The insurer also offers add-ons like rental-car damage coverage and baggage delay protection, which is helpful when traveling with baby gear and strollers.

Ideal for: Families with infants or toddlers who want cancellation flexibility and responsive claims handling.

Best for Families With Teens

World Nomads

World Nomads is known for flexibility. Its Standard plan covers over 200 sports and outdoor activities, perfect for families traveling with active teens who want to zipline in Costa Rica, surf in Australia, or ski in Switzerland.

Average Cost: $185
Emergency Medical: $100,000 | Evacuation: $300,000 | Trip Cancellation: $10,000

The online purchase process is fast, and policies can be extended mid-trip. This matters for families whose teens join study abroad programs or gap-year travel that extends beyond the original booking. You can add coverage online while already traveling, avoiding the need to return home to adjust your policy.

World Nomads prices per trip rather than per person for many activities, making it cost-effective for families with multiple teenagers. The insurer also covers adventure gear (surfboards, snowboards, scuba equipment) and other items standard travel policies often exclude.

Ideal for: Parents with older kids who join adventure or study programs abroad.

Best for Large Families

Seven Corners

Seven Corners' RoundTrip Choice plan shines when traveling with extended family or groups. Each additional traveler receives discounted pricing, and the plan includes a Return of Minor Children benefit, covering transportation if adults are hospitalized abroad.

Average Cost: $225
Emergency Medical: $500,000 | Evacuation: $1,000,000 | Trip Cancellation: $50,000

Return of Minor Children pays for an escort to accompany your kids home if you're injured or hospitalized during the trip. This gives parents peace of mind that children won't be stranded abroad during a medical emergency. The benefit covers commercial flights and, if necessary, private transportation to ensure safe return.

Rates increase for older age mixes (50 and above) by approximately 15 to 20%, but Seven Corners' multi-traveler savings offset that difference. Families with grandparents on the trip can maintain coverage equality across ages under one group plan. The insurer doesn't penalize families for including older travelers the way some competitors do.

Ideal for: Large or multigenerational families needing group pricing and high evacuation protection.

Best for International Family Trips

IMG

IMG's Travel SE is tailored for international vacations. It offers worldwide hospital access, telemedicine in 190 countries, and high medical limits relative to its price.

Average Cost: $240
Emergency Medical: $250,000 | Evacuation: $500,000 | Trip Cancellation: $50,000

IMG's Child Return Benefit covers the cost of sending minors home if adults are injured abroad. The insurer coordinates with local authorities and airlines to arrange supervised travel for children, including unaccompanied minor services on commercial flights. This ensures your kids get home safely even if you're incapacitated overseas.

The telemedicine feature lets families consult doctors remotely before deciding whether to visit a local hospital. You can describe symptoms, get initial medical advice, and receive prescriptions electronically, which are helpful when traveling with sick kids in countries where you don't speak the language. IMG's affordability remains consistent across most ages under 60, making it reliable for mixed-age families traveling overseas.

Ideal for: Families planning international trips where global hospital access and child-return protections are essential.

Best for Extended Holidays

World Trips

World Trips' Atlas Journey Preferred offers balanced pricing and exceptional family medical safeguards.

Average Cost: $218
Emergency Medical: $250,000 | Evacuation: $500,000 | Trip Cancellation: $50,000

Transportation of Children reimburses the cost of returning minors if parents experience medical emergencies. World Trips arranges supervised travel and covers ticket changes, upgraded seating for child safety, and any required escorts. The insurer also provides family reunion expenses. If you're hospitalized abroad and your spouse flies home with the kids, World Trips pays for one family member to return and stay with you during recovery.

World Trips includes strong trip-interruption coverage. If you need to cut your vacation short because of a covered reason, like a family member's illness back home, the insurer reimburses unused hotel nights, return flights, and prepaid activities you couldn't complete. For families spending several weeks abroad, this protection prevents significant financial loss.

Ideal for: Families spending several weeks abroad or taking holiday cruises.

How Age and Family Size Affect Travel Insurance Costs

Age and family composition dramatically affect your travel insurance premium. Parents in their 30s and 40s with kids under 18 pay $200 to $230 for trip coverage, while adding travelers over 60 increases costs by 25 to 40%. Family policies still cost 10 to 20% less than buying individual plans separately.

Cost Comparison by Family Composition


Young family of 4	Parents 38, 36; Kids 10, 8	$202	Baseline	Travelex
With grandparent (5)	Above + Grandparent 67	$260	+29%	Seven Corners
Large family of 6	Parents 42, 40; Kids 14, 12, 8, 6	$242	+20%	Travelex
Teen-focused family (4)	Parents 45, 43; Teens 16, 14	$215	+6%	World Nomads
Multigenerational (6)	Parents 35, 33; Kids 7, 5; Grandparents 65, 63	$285-310	+41-53%	Seven Corners

Adding a third or fourth child increases premiums by just $20 to $40 per additional child because kids rarely drive claims. Travelex covers all children under 17 at no extra cost when traveling with a parent, dramatically reducing per-person costs for larger families.

Pro tip: Quote early and buy coverage within 10 to 21 days of your first trip deposit to qualify for pre-existing condition waivers and other time-sensitive benefits.

What Are the Best Coverage Types for Families?

Families need six core travel insurance coverage protections when traveling:

Trip Cancellation: Protects Your Prepaid Investment

Trip cancellation reimburses prepaid expenses if you can't travel due to illness, injury, death of a relative, severe weather, or mandatory evacuation orders. If your child develops strep throat the day before departure, you'll get back your flights, hotels, rental cars, and prepaid activities. Most policies cover 100% of prepaid expenses.

Recommended minimum: Full trip cost

Emergency Medical: Covers Treatment Abroad

Your domestic health insurance provides limited or no coverage outside the U.S. Emergency medical pays for doctor visits, hospital stays, and medical treatment abroad. Families need higher limits ($250,000 minimum, $500,000 preferred) because treating multiple people simultaneously exhausts lower thresholds quickly.

Recommended minimum: $250,000 or more

Medical Evacuation: Handles Emergency Transport

Evacuation coverage pays for air ambulances, helicopter rescues, and medically supervised flights to appropriate facilities. Costs from remote areas exceed $100,000. If your child suffers a serious injury hiking in Patagonia, evacuation coverage transports them to a hospital capable of providing appropriate care.

Recommended minimum: $500,000 to $1,000,000

Baggage Protection: Replaces Lost Gear

Airlines lose or damage baby gear, strollers, car seats, and portable cribs regularly. Baggage coverage reimburses $1,000 to $2,500 per person for lost, stolen, or damaged belongings. You'll file a report with the airline and provide receipts for lost items.

Recommended minimum: $1,000 to $2,500

Cancel For Any Reason (CFAR): Adds Maximum Flexibility

CFAR lets you cancel for reasons not covered by standard policies (work conflicts, childcare issues, changing your mind) and receive 50 to 75% of prepaid costs back. This costs 40 to 60% more than standard coverage but pays off for families with unpredictable schedules. Purchase within 10 to 21 days of your first deposit.

Recommended minimum: Optional

Return of Minor Children: Ensures Safe Escort Home

If you're hospitalized abroad and your spouse stays with you, Return of Minor Children sends an escort to accompany your kids home. The insurer arranges supervised travel, coordinates unaccompanied minor services, and covers ticket changes or new flights.

Recommended minimum: Included benefit

How to Get the Best Travel Insurance for Your Family

1
Compare actual coverage limits, not marketing labels
One company's "comprehensive" plan might offer less protection than another's "basic" plan. Policies differ widely in medical coverage, from $100,000 to $500,000 or more. Review the specific dollar amounts for emergency medical, evacuation, and trip cancellation before deciding.
2
Input each traveler's age when quoting
Children under 18 often add no extra cost with providers like Travelex. Travelers over 60 can increase premiums by 30% or more. Accurate quotes help you budget appropriately and avoid surprises at checkout.
3
Look for family-specific benefits
Return of Minor Children and Family Reunion distinguish family policies from individual coverage. Don't assume all policies include them. Verify these features before purchasing, especially if traveling internationally with young children.
4
Add CFAR if you need flexibility
Families juggling school or work schedules benefit from CFAR add-ons that refund 50 to 75% of trip costs for any reason. This costs more upfront but pays off if you need to cancel for a child's playoff game, work deadline, or travel anxiety.
5
Buy early to qualify for waivers
Purchase within 10 to 15 days of your first trip deposit to qualify for pre-existing condition waivers. Without the waiver, insurers won't cover claims related to diabetes, asthma, heart conditions, or other pre-existing issues.

FAQ: Best Travel Insurance for Families

What is the best travel insurance for families?

MoneyGeek's 2025 analysis ranks Travelex Insurance Services as best overall for families, offering high limits and kids-included pricing.

Does family travel insurance cover children for free?

Some providers, like Travelex, cover dependents under 17 at no extra cost when traveling with an adult. Other insurers charge for each family member but offer discounted group rates that still save money compared to individual policies.

How much does family travel insurance cost by age?

Families with adults under 50 typically pay $200 to $230 per trip. Adding travelers over 60 increases the premium by about 30%, to roughly $260 to $280, depending on the plan. Age affects costs because older travelers statistically file more medical claims and require more expensive emergency care.

What's the best travel insurance for international family trips?

IMG's Travel SE offers strong global hospital access and a dedicated assistance hotline, while Seven Corners RoundTrip Choice excels in evacuation coverage. Both provide multilingual support and direct-billing hospital partnerships in major cities worldwide.

Methodology: Family Travel Insurance Rankings

MoneyGeek analyzed verified insurer data across seven major providers. Each plan's "family score" was computed from measurable attributes:

35% Emergency Medical Coverage: Maximum amount the insurer pays for medical treatment abroad. Higher limits scored better because families need more coverage when treating multiple people simultaneously.
35% Evacuation Coverage: Maximum amount paid for emergency medical transport. Evacuation from remote areas can exceed $100,000, making high limits critical for family safety.
25% Affordability: Average quoted rate per family based on a standard profile (parents aged 38 and 36, children aged 10 and 8, seven-day domestic trip, $5,000 in prepaid expenses). Lower premiums scored better while maintaining adequate coverage.
5% Family-Specific Features: Unique benefits like kids-free coverage, return-of-minor-children benefits, or family reunion expenses. Insurers offering these specialized protections scored higher.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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