Traveling with family is an unscaled joy that we don’t get hold of enough in life. Owing to the incredibly busy work schedule of the parents and school curriculum of children, syncing a trip when everyone is available is pretty difficult. It is quite unfortunate if some unannounced calamity or trouble spoils this trip that you planned with such difficulty. Not only does your trip gets canceled but you also lose hard-earned money in this scenario. Travel insurance plans are designed to tackle such inconveniences so that you do not lose money in case of unpredictable inconveniences. Let’s find out all there is to know about family travel insurance and how you can include it in your trip planning to make the most of your time out.
As the name suggests, a family travel insurance plan is a specific type of travel insurance plan that is designed to cover the whole family under one coverage. The policyholder can include their spouse, children, and parents in the same travel insurance plan. The benefits of a family travel insurance plan are in sync with the basic benefits offered in any other kind of travel insurance plan. Typically, the plan allows up to 2 adults as members and 4 children dependents with them. Some may allow you to add your parents as well.
Family travel insurance plans can be divided into four types based on two different parameters. Given below is the classification of family travel insurance plans:
Here is a comprehensive list of cheap family travel insurance online plans in UAE :
|Plan Name||Medical Cover||Max Duration||Starting from||Price|
|Alliance Insurance||AED 150,000||90 days/trip||AED 33|
|Orient Insurance||AED 150,000||92 days/trip||AED 183|
|See More Plans >>|
All the benefits included in a plan can be redeemed by each member separately up to the designated limit of the cover. Given below is the complete list of inclusions for a family travel insurance plan.
Anyone older than 30 days and under 65 years can be added as a member of a family insurance plan. Children aged from 30 days old to 18 years old can be added to a family insurance plan. Apart from that, your spouse and parents can also be added to a family insurance plan that you hold as a policyholder. Anyone can buy a family insurance plan in their name if they are a UAE citizen or resident and at least 18 years old. The members included in the family insurance plans are also supposed to be UAE citizens or residents. Most insurance companies allow including up to 6-8 members in one family insurance plan.
|Travel Insurance by Age Group|
|Travel Insurance for over 65||Travel Insurance for over 70||Travel Insurance for over 75|
There are two basic ways one can buy the best family travel insurance plan – via online and offline methods. You can buy family travel insurance online either with PolicyBazaar UAE or from the provider website. To buy your plan with us, simply enter a few details about your requirements such as the number of people to be insured, assured sum of the plan, etc. You will get quotes from different providers matching your requirements. Have your pick and complete the purchasing process. To buy your insurance from the provider website, locate the buying portal, select the plan, enter details about the members to be insured and make payment. To buy your family travel insurance offline, you will need to visit one of the nearest branches of the insurance company you have chosen. An agent there will guide you through the process further.
Apart from the documents like passport, Family resident’s visa UAE, and Emirate’s ID, you will need a complete list of members who are to be included in the family travel insurance plan. Make sure that you have ID proof from each member. Keep details like the age of each member and pre-existing health conditions they have ready with you. The age of the plan members is required to decide a quote for the insurance plan. Information related to the trip will also be required. This includes your destination, the number of days you are traveling for, any adventure sports you are planning to include, etc.
Ans. Cancellations with the refund are mostly only applicable when you cancel your plan before the trip starts. If cancellation is done after the trip has begun, you may not receive a refund. Confirm this with your provider once when you buy the family travel insurance plan.
Ans. If the elderly member you are planning to insure falls in the senior citizen category, you may not be able to include them in a family travel insurance plan. You will have to buy an individual senior citizen travel insurance for them.
Ans. As long as you stay within the network, you can choose any hospital you like to get treated in a foreign. Out-of-network treatments are not covered by travel insurance plans.
Ans. No, generally providers do not offer a refund on utilized vacation days. However, some may offer you a pro-rata compensation for the remaining days on your plan. Have a word with your provider and see if they have such an arrangement running.
Ans. Yes, you can easily extend the coverage length of your family travel insurance plan by buying additional vacation days. However, make sure that this does not cross the maximum allowed vacation days of the plan.
Q6. Is individual travel insurance cover available in the annual multi-trip family travel insurance plans?
Ans. Although a rare occurrence, some providers may cover a few individual trips under the annual multi-trip family insurance plan you have bought. Yet again, check with the insurance company to be extra sure about this.
Ans. Comparison is the key to finding a good yet cheap family travel insurance plan. Make sure you have weighed in all potential options and chosen only the benefits you would need. Buy your cheap family travel insurance from trusted sources only.
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