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Travel Insurance For Family Holidays - Why It’s a Good Idea
Posted: Oct 26, 2013
Travel insurance for family trips is often the last thing on anyone’s mind when planning a holiday. After all, there are so many other things to worry about: accommodations and sleeping arrangements for the whole group, climate-correct clothes for the little ones, tickets to amusement parks, babysitting arrangements, special-diet meals, and more.
Still, while you don’t really want to think about anything that might go wrong, the reality is there are many things that can possibly go wrong - even with the most meticulously prepared trip. Preparing for these eventualities can, perhaps, be one of the best things you'll ever do.
First Things First
Travel insurance for family holidays, especially overseas ones, can spell the difference between a good trip and one that gets completely derailed. What’s more, it can also be the one thing protecting you from seeing the money you’ve spent go down the drain. In fact, it’s an easy, quick and effective way to protect you, your family and your finances, so you can enjoy your holidays with minimal stress and worry.
The Basics
Let’s face it, there are so many things that can happen on a holiday - and the chances of something untoward happening go up with more people involved. Travel insurance for family holidays evens out those odds.
Before the Trip
Just imagine, one of you could get sick just before the day of the flight; someone could get an accident, preventing you from going ahead with your plans; or worse, something could happen at home, like a sickness or death in the family. It could be something else like flights getting cancelled, the travel agency you’ve booked with going bankrupt, or the country you’re planning to suddenly deciding to close its gates to visitors. For all these eventualities, you have a very tiny chance of seeing your prepaid costs reimbursed without travel insurance. For family packages, these saved costs go even higher.
During the Trip
Flights can get delayed or rerouted causing missed connections and the like; luggage can get lost; and people can get sick or injured. Appropriate cover can help make these less-than-perfect moments slightly less painful than they could have been.
Many holiday cover packages include medical coverage and emergency medical services, as well as provisions for transport and emergency evacuation and repatriation in case of health emergencies and accidents, ensuring that you and your family receive the best care wherever you may choose to go.
In the case of flight delays, holiday cover can also help make sure you and your family are provided for while waiting, meaning good meals and a place to stay until you get booked on another flight. In case it’s just your baggage that gets delayed, proper coverage also helps ensure you have enough nappies and clothes for the little ones– as well as get reimbursement for essentials.
Going Home Too Soon
In some cases, trips need to be cut short because of illness, or sometimes, because of emergencies back home. Your policy can also include reimbursements, not just for the trip itself, but also for prebooked arrangements such as hotel rooms, shows, tour arrangements and the like.
Protect Your Family Trip
Taking out the appropriate cover can definitely be a lifesaver - check out the many packages available and take a bit of the worry off your shoulders.
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance for family groups as well as annual, multi-trip and single-trip insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
Writer and Online Marketing Manager in London.