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Top Three Options for Travel Insurance for Children

Byron Mühlberg, writer at Monito.com
Sep 23, 2022
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Let's face it — travelling with children of any age can be a real hassle! As parents, you'll not only have to put up with a barrage of questions and over-excitement but probably even the odd tantrum too. Nonetheless, for most parents, seeing their young ones revel in new experiences and soak in the sites and sounds of travel makes the hassle worthwhile in the end.

However, travelling with children isn't only a hassle, it can also be expensive! And — over above the food, accommodation, transport, and toys and souvenirs you'll surely be buying for your children — the last thing you want to have to fork your credit card out for is a medical bill or any other unforeseen travel expense.

Fortunately, by taking out an affordable health or travel insurance package for your entire family before you travel, you'll be able to get (at least a little bit more) peace of mind during your trip. Below, we go over our picks for the three best options for travel insurance for children: —

Best Medical Coverage ⁠— VisitorsCoverage

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One of the best-known international insurance providers on the web, VisitorsCoverage is a pioneering Silicon Valley insurtech offering comprehensive packages for families travelling with children at an affordable rate. As of 2018, the company had around a million customers and is currently rated 4.8 out of 5 stars on Trustpilot, making it a trustworthy and credible choice for your travel insurance partner.

VisitorsCoverage offers many plans and models, and depending on your needs and preferences, you may want to compare and explore their complete catalogue of plans. However, for the sake of this article, we focus on only one of their plans below that we think is excellent travel insurance for children and families:

Plan: VisitorSecure

Price: Around $130 for a family of four (two young children) per month.

Term duration: Up to 364 days.

Eligibility:

  • Children cannot be younger than 14 days old.
  • You cannot be travelling for fewer than five days.
  • Not available if you live in Australia, Canada, or the US States of Maryland, New York, or Washington.

Coverage: VisitorsCoverage is comprehensive and includes medical and travel-related benefits for families with children, although they focus on medical benefits. A few highlights include:

  • COVID-19 treatment¹.
  • Pre-fixed limited coverage in or out of the PPO network (after deductible).
  • Outpatient and inpatient care.
  • Flu vaccinations¹.
  • Doctor's visits (including specialists).
  • Transport coverage.
  • Dental accident coverage.
  • Emergency room coverage.
  • Emergency medical evacuation.

Deductible: $0, $50, or $100, depending on selection.

Maximum limit: $50K, $75K, $100K, or $130K, depending on selection.

Best for: A great plan that combines comprehensiveness with affordability, we think VisitorSecure by VisitorsCoverage is the ideal travel insurance for children, especially if you're mainly focused on more comprehensive medical coverage and don't mind not having any travel-related coverage.

¹ Minimum purchase of 30 days of coverage to be eligible

Best for Adventure ⁠— PassportCard

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Brimming with a sense of curiosity and adventure, many children love hiking, swimming, skiing, and many other sporting activities when on holiday abroad. If you know your holiday will probably include some more adventurous activities, it's wise to find insurance that will cover such activities.

PassportCard Nomads is an online travel insurance provider aimed at expats and digital nomads, including sports accident coverage. On its most basic plan — PassportCard for Digital Nomads — families can cover themselves with travel insurance for up to six months, during which time they enjoy a range of unique insurance perks for people on the go, including camera, baggage, and laptop insurance, as well as search and rescue coverage.

PassportCard comes with three plans, all of which come with a red travel insurance card and a unique insurance number to show to the doctor. Below, we break down the Starter Plan:

Plan: PassportCard for Digital Nomads

Price: Starting at $59 per person, per month.

Term duration: Up to six months.

Coverage: PassportCard covers all the basics and goes above and beyond when it comes to travel:

  • Emergency coverage.
  • Medical coverage.
  • Pregnancy (up to 12 weeks).
  • Search and rescue.
  • Sports accident coverage.
  • Theft of camera, laptop, or baggage.

Deductible: $0

Maximum limit: $500,000.

Best for: Because of its higher limit of liability and no deductible, we think PassportCard Nomads is best for families looking for a low-cost travel insurance plan with broad coverage — especially if they stand to benefit from more adventurous coverage such as outdoor sports and camera and laptop insurance.

Best Travel Coverage ⁠— Insured Nomads

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If you don't mind paying slightly more per month and are looking for a well-rounded and comprehensive travel- and medical-related insurance policy for you and your children, then we recommend Insured Nomads. Aimed at travellers, remote workers, and globetrotters alike, Insured Nomads is another savvy insurtech platform offering travel insurance for children and families that's ideal for extensive medical- and travel-related coverage.

Founded and run by expats around the globe, Insured Nomads provides an impressive range of travel insurances, including a more extensive scope of medical-related coverages than the other providers in this article. We go over Insured Nomads' basic plan below:

Plan: Travel Insurance World Explorer

Price: Around $325 for a family of four (two young children).

Term duration: One trip of between 7 and 364 days.

Eligibility:

  • You cannot travel to Cuba, Iran, Syria, Sudan, North Korea, or the Crimea region.

Coverage: This plan offers a comprehensive set of medal benefits and coverage for basic travel insurance for kids. These include:

  • Online consultation (telemedicine).
  • Medical, emergency, and accident coverage.
  • Outpatient and inpatient care.
  • Medical transportation coverage
  • Evacuation and repatriation.
  • Life insurance.
  • Adventure sports and marine activity coverage.
  • Electronics, camera, cellphone, and sports equipment coverage.
  • Flight delay provisions.

Deductible: $0, $100, $250, or $500 based on selection.

Maximum limit: $250K, $1M, or $2M, based on selection.

Best for: Although easily the priciest of the three plans on this list, we think Insured Nomads gives the best combination of medical- and travel-related coverage, making it good travel insurance for kids whose parents are looking for comprehensive benefits all around. (Insured Nomads also offers an even more comprehensive global health insurance plan for expats who plan to live abroad for an extended period.)

Frequently Asked Questions About Travel Insurance for Children

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