Family Travel Insurance

Compare and buy US travel insurance

Why do I need family travel medical insurance?

When families travel overseas, it is important to buy proper travel medical insurance. Since the family is traveling outside familiar territory which can involve long air and road travel, acclimatising to different weather patterns and eating unfamiliar food there is an element of risk involved and vulnerability to falling sick or even having an accident. In this context, it is better to be safe rather than sorry, and to buy travel insurance to insure the entire holiday.

Does family travel insurance cover individuals traveling alone?

If you have purchased an annual plan for your family, each member of the family is covered for any and all trips they may take whether it is with other family members or alone. Individual plans may be purchased if the family is not traveling together or you are not interested in an annual plan which includes the whole family.
family travel
budget

How much does travel health insurance cost?

Given the typical cost of international travel, and the overall cost of a family vacation, the cost of travel insurance is quite negligible. The cost of travel insurance will vary depending on whether you are buying trip insurance, or travel medical insurance. The cost of the insurance will depend on several factors such as the destination, the age of the travelers, the medical maximum coverage, the deductible and co-insurance as well as any additional riders like adventure sports coverage … that you choose.

HealthCare cost for visitor in USA
type of insurance

Type of insurance plans

Insurance policies are broadly classified as Fixed visitor insurance and Comprehensive visitor insurance. You can compare fixed benefit and comprehensive insurance and choose the best family travel insurance.
benefit period

Benefit period

The longer the benefit period the better the coverage. Some plans limit the time duration that the plan will pay.
deductible

Deductible and Coinsurance

Deductible is the amount that customer pays for the incurred expense before insurer pays. Co insurance is a fraction of the total amount that customer pays.
renewability

Renewability

There are both renewable and non renewable plans. Please check the plan details for renewability information.

US Family Trip cancellation insurance

Trip cancellation insurance which will reimburse for cost of the trip the trip is cancelled or interrupted. The trip cancellation insurance are only available to US residents (you do not necessarily have to be a US citizen, a US address will do). These policies, if you go on your trip as expected, also cover any sudden medical expenses that should arise. These policies are well thought out for travelers with reunion costs; costs for dependent children should they need an escort home; lost baggage and connections, etc. These can be an excellent way to protect the investment that is made on a trip. Compare Best Trip Cancellation Insurance for families and buy a plan to protect the trip investment expenses.

At American Visitor Insurance, we offer trip insurance for US families traveling within the United States.
These short-term family travel insurance plans can be bought for trips up to 30 days and will cover families while they are away from home on a designated trip. The family can insure the cost of their trip, which includes the cost of a airline ticket, a cruise, hotels, or any other non-reimbursable costs of a trip, or we can keep this coverage to a minimum ($50 to $100 per person) and get coverage mainly for the medical benefits while on the trip. The policies available for use by US citizens or US residents for trips within the US are:
  1. Round Trip Series offered by SevenCorners
  2. iTravel Series offered by International Medical Group (IMG).
The Round Trip Series by SevenCorners is a three-tiered series of plans with good, better, best plan with Round Trip Economy, Round Trip Choice, and Round Trip Elite. There is an additional cost for the number of days which exceed 30 days, but you can have a trip last up to 90 days. There is also the optional coverage for loss of ski days and equipment and lost golf rounds and rental. Note that insuring a trip for $0 to $500 gives the same, lowest rate available.
Compare round trip insurance plans

The iTravel Series offered by IMG is also a three-tiered series of plans: Travel Lite, Travel SE, and Travel LX. The Travel SE has a nice benefit that children under 10 are "free" with a paying adult which can make it very affordable for family travel. Note that insuring a trip for $0 to $499 gives the same, lowest rate available for the plans.
Compare iTravelInsured trip plans

Travel insurance for US family residing outside US and visiting USA.

There are many US families who live or work overseas. They visit the US for a short period of time during holidays, Christmas, Thanksgiving, vacation. Some travel insurance companies assume that US is the home country for US Families regardless of where they live. The insurance plans offered by these companies do not satisfy the need of US families visiting the US. In this situation even US domestic health insurance companies do not help as they offer short term insurance only for US residents and for longer time periods like 3 months, 6 months, 1 year or 2 years.

However there are some popular US travel insurance plans for families visiting USA for a short term. The health insurance for families are available to them as long as they are temporarily visiting US and are returning to their home country outside the US.
At American Visitor Insurance, we also offer travel medical insurance for US families residing outside US and visiting the United States.

What is the best family travel insurance in USA?

To help Families find the best family health insurance in USA, we work with all the reputed insurers and give the travelers a wide range of options. The families travelling can compare the different family travel health insurance plans using the compare medical insurance tool for families. Here family travelers can review the different options based on their price along with the different coverage benefits. Since the best family insurance plan varies depending on the needs of different travelers, the compare family travel medical insurance tool helps travelers find the best US family insurance plan for their specific needs.

Can family travelers get health insurance in USA?

Yes, Families visiting the USA can buy travel health insurance. This is very important given the very high cost of US healthcare. At American visitor insurance, we work with all the reputed insurance providers to give the family travelers a range of popular USA family health insurance options. The family travelers can compare several health insurance plans using our compare family travel medical insurance tool and review the different travel insurance options for travelers based on their price and coverage benefits.

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