What’s The Appropriate Time To Add Travel Insurance For Children?

“Travel insurance for children” is becoming a popular search for many people. It used to be you’d only have to think about adding insurance on a trip when you were going overseas. But in the post-pandemic world, we’re living in, the restrictions and rule changes can make traveling trickier for you and your kids.

In fact, there are still hundreds of health and travel restrictions in place. Returning to the pre-pandemic status quo for travel seems highly unlikely (at least in the near future.) Travel insurance for children can help take the sting out of unexpected changes like flight cancellations, delays, medical expenses, and other risks.  

So, whether they will be traveling overseas to study abroad, or just traveling with you and seeing the world, let’s take a look at when it might be appropriate to consider adding travel insurance for your children.

When You Are Traveling With Them On Vacation

Everyone wants a stress-free vacation, especially when you’re traveling with your children. A vacation is one of the times you may want to have travel insurance for you as well as your kids. Here’s why:

24/7 Assistance

When traveling with your children, you might need an extra set of hands if your plans are unexpectedly altered. Your insurance agent can help you deal with any changes in your itinerary. They’ll let you know what is covered under your policy so you’re not guessing.

Cancellation Coverage

Cancellation insurance reimburses you for nonrefundable deposits on all things travel-related, including:

  • Airline tickets
  • Hotel rooms
  • Rental cars
  • Excursions
  • Cruises paid in advance

In addition, baggage, flight delays, and medical emergencies are all covered once you leave the airport.

Emergency Care

Speaking of medical emergencies, standard travel insurance plans will often offer some level of medical coverage. But if your child gets sick or injured on vacation, travel insurance can protect you from additional emergency medical costs.

When They Are Traveling Abroad For Studies

If you have a son or daughter in high school or college and they’re thinking about studying abroad, you may want to consider adding travel insurance for them. There are situations that can occur that may not be covered by your personal insurance. The benefits of getting travel insurance for your student include:

Medical Coverage Abroad

Adding travel insurance to your policy will provide you the peace of mind that your child has access to medical care when they need it. 

  • Emergency Medical Evacuation benefits cover medical and emergency evacuations.
  • Sports and Activity benefits cover medical expenses from injuries that occur while participating in sanctioned intercollegiate, interscholastic, intramural, or club sports.

There’s even coverage available for terrorist attacks. You can protect your children from many unexpected incidents while they’re studying abroad.

Cancellation Coverage

Travel insurance for students can also ensure that your child is reimbursed for prepaid non-refundable trip deposits on things like rental cars, airline tickets, hotel rooms, cruises, and tours.

When is the Right Time to Add Travel Insurance for Children?

The ideal time to add travel insurance for your child is 15 days after the initial deposit date for the trip. This way, you can access early purchase benefits such as cancellation protection. You can also purchase it up to 24 hours before departure.

Protect What Matters To You

With airport doors opening up and overseas schools admitting more students, we want to ensure that you and your children are prepared. Are your insurance policies up to date? If not, contact us to review your coverage and enjoy peace of mind travel insurance benefits, and protection.

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We’ll review your options. Without obligation.

Because finding the right coverage before a loss occurs is a smart move.

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