Top 3 Qualities of Excellent Family Travel Insurance

Not all family travel insurance providers offer the same level of commitment and quality to their customers. If you’re going on a journey with your family, the act of buying an appropriate policy takes on even gravitas. In order to help you make the all-important decisions, here are the three major qualities a good provider should have.

Transparency

These days, the trend is heading toward serving up everything online, without one having to visit an actual store or office. The same is true with family travel insurance: many excellent companies do a great job of laying their cards on the table, so to speak, so potential customers can see everything at a glance online, and they can even chat with a live customer representative should they need to clarify something. The great thing about such companies is the sheer convenience: you purchase your policy online, and you also make any claim online - along with everything else needed to complete a transaction. The natural consequence of this is transparency, is that online insurers go out of their way to help the potential customer make an informed decision in the first few minutes they’re browsing the website.

The Willingness to Go the Extra Mile

Another great quality of a trustworthy family travel insurance provider is how they will go out of their way to accommodate the needs of its customers. Certain small things matter, such as 24/7 availability, which may come in handy in the middle of the night when you need some urgent assistance abroad. Another aspect may be to offer free coverage for small children. Moreover, there are also those companies that offer free terrorist coverage, or even a free cruise or car excess cover. However, all the freebies in the world are good only if they can also offer quick online claims and excellent customer service.

Ample Coverage of Additional Losses

Not all family travel insurance providers give protection from "additional losses", which are the secondary losses you incur from an incident. For example, if you paid separately for your airline and hotel accommodation at your destination and your flight gets cancelled, you may get refunded for the airfare. But since you are unable to make the flight, and therefore cannot use the hotel room you’ve booked and paid for, you should also get refunded for that. Unfortunately, certain insurers do not provide coverage for such additional losses. The mark of a good insurer is its inclusion of this kind of extra peace of mind benefit—if an insurer does this, you can rest assured they are serious contenders.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel cover and offer a range of policies including annual, multi-trip, single-trip and family travel insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.