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 offer strong evacuation and child-return benefits.

The best family plans include trip cancellation, emergency medical coverage and protection for kids and adults.

Best Travel Insurance Companies for Families

Family travel insurance covers everyone under one policy, from infants and teens to parents and 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, plus family-specific benefits like kids-included pricing and return-of-minor-children protection.

Travelex Insurance Services ranks No. 1 for family coverage with a score of 0.93 out of 1 in MoneyGeek's analysis. Seven Corners ranks second (0.88) with its Return of Minor Children benefit, while IMG's Travel SE ranks third (0.84) with international coverage and telemedicine access.


1 🏆	Travelex Insurance Services - Travel Select	0.93	$202	$500,000	$1 million	Kids under 17 covered free	Families with younger children
2 🥈	Seven Corners - RoundTrip Choice	0.88	$225	$500,000	$1 million	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 million

Travelex charges less for parents under 50 traveling with children under 18 compared to individual policies purchased separately. You can add Cancel For Any Reason (CFAR) coverage to cancel for reasons not already covered and get 50 to 75% of prepaid trip costs refunded. CFAR helps when you need to cancel for school conflicts, work deadlines or childcare emergencies.

Travelex includes $1 million in medical-evacuation coverage for international trips. If your child needs specialized care unavailable at your destination, Travelex pays to transport them to the nearest appropriate facility or home if medically necessary.

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

Best for Families With Young Children

Allianz

Allianz provides child-focused trip cancellation protection. If your toddler spikes a fever the morning of departure, your infant develops an ear infection midtrip, 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. The family bundle remains competitive for multigenerational trips. Grandparents traveling with grandchildren benefit from group pricing that costs less than 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 to locate English-speaking doctors, arrange hospital visits or coordinate care. The insurer also offers add-ons like rental-car damage coverage and baggage delay protection for families traveling with baby gear and strollers.

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

Best for Families With Teens

World Nomads

World Nomads offers flexible coverage. Its Standard plan covers over 200 sports and outdoor activities 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

You can buy World Nomads policies online quickly and extend them midtrip. Families with teens in study abroad programs or gap-year travel can add coverage online while traveling instead of waiting until they return home.

World Nomads charges per trip instead of per person for many activities, saving money for families with multiple teenagers. The insurer covers adventure gear like surfboards, snowboards and scuba equipment that standard travel policies exclude.

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

Best for Large Families

Seven Corners

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

Average cost: $225
Emergency medical: $500,000 | Evacuation: $1 million | 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. Children won't be stranded abroad during a medical emergency. The benefit covers commercial flights and, if necessary, private transportation for safe return.

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

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

Best for International Family Trips

IMG

IMG's Travel SE works well for international vacations. It offers worldwide hospital access, telemedicine in 190 countries and high medical limits for the 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. Your kids get home safely even if you're incapacitated overseas.

IMG's telemedicine feature lets you consult doctors remotely before visiting a local hospital. You can describe symptoms, get medical advice and receive electronic prescriptions when traveling with sick kids in countries where you don't speak the language. IMG charges consistent rates for travelers under 60, keeping costs predictable for mixed-age families on international trips.

Best for: International family trips requiring global hospital access and child-return protections

Best for Extended Holidays

World Trips

World Trips' Atlas Journey Preferred offers balanced pricing and strong family medical protections.

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 have medical emergencies. World Trips arranges supervised travel and covers ticket changes, upgraded seating for child safety and required escorts. The insurer also covers 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 trip-interruption coverage. If you 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. Families spending several weeks abroad avoid major financial losses with this coverage.

Best for: Families spending several weeks abroad or taking holiday cruises

How Age and Family Size Affect Travel Insurance Costs

Age and family composition affect your travel insurance premium. Small to midsized families with parents under 50 pay $200 to $230 for trip coverage, while adding travelers over 60 increases costs by 25% to 55%. Family policies 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, reducing per-person costs for larger families.

Pro tip: Buy coverage within 10 to 21 days of your first trip deposit to qualify for pre-existing condition waivers and access additional policy benefits.

What Are the Best Coverage Types for Families?

Families need six core travel insurance coverages:

Trip Cancellation: Protects Your Prepaid Investment

Trip cancellation reimburses prepaid expenses if you can't travel because of 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 at once exhausts lower limits quickly.

Recommended minimum: $250,000 or more

Medical Evacuation: Covers 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 that can provide appropriate care.

Recommended minimum: $500,000 to $1 million

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 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. CFAR 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: Provides 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 financial protection than another's "basic" plan. Policies vary in medical coverage from $100,000 to $500,000 or more. Check specific dollar amounts for emergency medical care, evacuation and trip cancellation before buying.
2
Enter each traveler's age when getting quotes
Children under 18 often cost nothing extra with providers like Travelex. Travelers over 60 can raise premiums by 30% or more. Accurate quotes help you budget and avoid surprises at checkout.
3
Look for family-specific benefits
Return of Minor Children and Family Reunion separate family policies from individual coverage. Don't assume all policies include them. Verify these features before buying, especially for international trips with young children.
4
Add CFAR if you need flexibility
CFAR add-ons refund 50% to 75% of trip costs when you cancel for reasons not covered by standard policies. You'll pay more upfront but get money back if you 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 waivers, insurers won't cover claims related to diabetes, asthma, heart conditions or other pre-existing health 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 save money compared to individual policies.

How much does family travel insurance cost by age?

Small to midsized families with parents under 50 pay $200 to $230 per trip. Adding travelers over 60 raises premiums by about 30% to $260 to $310, depending on the plan. Older travelers file more medical claims and need costlier emergency care, which increases premiums.

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

IMG's Travel SE offers global hospital access and a 24/7 assistance hotline. Seven Corners RoundTrip Choice provides strong evacuation coverage. Both insurers offer multilingual support and partner with hospitals in major cities for direct billing.

Methodology: Family Travel Insurance Rankings

MoneyGeek analyzed verified insurer data from seven major providers. We calculated each plan's "family score" from measurable factors:

Emergency medical coverage (35%): Maximum amount the insurer pays for medical treatment abroad. Higher limits scored better because families need more coverage when treating multiple people at once.
Evacuation coverage (35%): Maximum amount paid for emergency medical transport. Evacuation from remote areas can exceed $100,000, so high limits protect families financially.
Affordability (25%): 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.
Family-specific benefits (5%): Include 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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