What You Need to Know About Travel Insurance: Traveling Alone vs. with Family

After the pandemic, most people are eager to resume traveling and satisfy our wanderlust. But before we embark on our journeys, should we purchase travel insurance? How should we select a travel insurance plan that protects everyone on the trip when traveling with family members? What are the differences between individual and group travel insurance? Beyond coverage, what other factors should we consider before choosing travel insurance for a family trip?

In this blog post, we have compiled and compared various travel insurance information to help you plan your trips with ease.

Traveling abroad involves numerous uncontrollable risks and factors. In the unfortunate event of a trip delay, lost luggage or money, or even an accident resulting in injury or illness, travel insurance can provide appropriate coverage for these unexpected situations, effectively protecting your interests. While purchasing travel insurance is not a must, it can help you overcome various incidents during your trip, allowing you to begin your travels without any worries.

Travel insurance for special groups

If you plan to travel with your family, which includes children, pregnant women, and seniors, it is crucial to pay special attention to their needs and purchase appropriate travel insurance for them.

1. Seniors

Most travel insurance plans available have an age limit, typically setting the maximum age for the insured between 70 and 80 years old. Even when insurance companies cover seniors, their maximum benefits may be reduced or subject to limitations. When purchasing a family travel insurance plan, coverage for each family member may vary depending on their age. Generali’s travel insurance offers coverage for elderly travellers up to the age of 79, with no reduction in maximum benefits. If you plan to purchase travel insurance for both your children and elderly family members, consider getting a specific elderly travel insurance plan for seniors, supplemented by a family travel insurance plan covering child under 18. This can help ensure comprehensive protection for all family members' safety and interests. For more details, please refer to Generali’s product brochure.

2. Children

Most of the family travel insurance plans on the market provide free coverage for children with the payment of adult premiums only. However, the age limit for accompanying children is usually set at 18 years or below. Additionally, in some family travel insurance plans, the benefit amount for the insured children may be lower than the total benefits for general policyholders.

3. Pregnant women

While standard travel insurance generally accepts pregnant women as insured persons, most plans only cover the usual travel insurance benefits and do not include medical expenses arising from pregnancy, childbirth, miscarriage, or complications. When choosing a travel insurance plan, pregnant women might want to consider one with maternity coverage, ensuring they are covered for pregnancy-related medical expenses.

Consider the following factors when choosing the right plan for yourself and your family.

Travel Frequency

Policyholders can select either single-trip travel insurance plans or annual travel insurance plans, depending on their travel itinerary. The premiums for single-trip travel insurance plans usually vary according to the number of travel days, making them more suitable for less frequent travellers. On the other hand, annual travel insurance plans require a one-time, fixed premium payment and provide coverage for the entire year. These plans would fit individuals who travel multiple times a year or frequently travel abroad to visit family. For instance, if you travel six times a year, with each trip lasting five days, an annual travel insurance plan can save you money and better suit your travel needs. Consider your travel plan for the upcoming year to determine the most suitable travel insurance plan and save on costs.

Schedule of benefits

When selecting travel insurance, read and compare the benefits and related maximum amounts of different plans in detail. Consider factors such as the maximum number of travel days, coverage for high-risk activities, protection for emergency medical situations and personal accidents. Additionally, pay attention to the emergency support services provided by the travel insurance, such as 24-hour global emergency assistance, emergency medical evacuation, repatriation of remains, etc. This ensures that the chosen travel insurance aligns with the nature of your itinerary and personal needs. When necessary, opt for additional benefit items to ensure an enjoyable and relaxing journey with confidence and ease.

Destination

Make sure your destination is covered by the insurance plan. If your trip involves multiple locations, consider a global travel insurance plan that provides more comprehensive coverage for travelling to different countries.

The coverage of travel insurance varies depending on the insurance company and the insurance plan chosen. Travel insurance coverage encompasses such categories as emergency medical care, personal accidents, travel inconvenience, personal belongings, emergency assistance, and personal liability. To gather more accurate details about the specifics under each of these categories, consult the product information provided by insurance companies. Prior to selecting your travel insurance, carefully review and understand the coverage of different travel insurance plans to ensure sufficient protection for all essential items.

Bravo Travel Protector is a comprehensive travel insurance plan with no deductibles for all benefits. It provides all-round protection through 24-hour worldwide emergency assistance services and a wide range of coverage, including medical expenses (such as food poisoning, gas attacks, terrorist attacks, accidents, influenza, and infectious diseases), accidents (including various leisure sports like skiing, scuba diving, and bungee jumping), natural disasters (such as earthquakes and tsunamis), acts of terror, personal belongings, electronic communication devices, and sports equipment. Additional benefits such as coverage for travel delays, overbooking, unused entrance tickets, and optional cruise benefits are also available to enhance your travel experience.

For more details, please download the product brochure. Visit our official website to purchase the plan.