Family Travel Insurance to Europe for US Citizens

No. Most US domestic health insurance plans, including employer-sponsored plans and Medicare, provide little to no coverage outside the United States including for children on your plan. You need a separate international travel insurance policy for every family member on any trip to Europe.

For a family of four (2 adults age 40 + 2 kids age 10 and 12) on a 2-week Europe trip, basic travel medical coverage costs approximately $120–$200. Full trip cancellation coverage runs $250–$500 depending on your total trip cost and the plan selected. Get a real-time quote in under 60 seconds.

Children should be included on your family travel insurance plan. Some plans include children under 17 at no additional cost or at a significantly reduced rate when parents are insured. You add each child's age on the same quote — they're covered on the same policy as the adults.

Without travel insurance, you pay all medical costs out of pocket. A pediatric ER visit in Europe costs $200–$800. A hospital admission runs $500–$2,000 per day. An emergency medical evacuation back to the US can cost $30,000–$100,000 or more. Travel insurance fully covers these costs.

Travel insurance is not mandatory for most U.S. tourists visiting Europe, but it is strongly recommended. Medical emergencies, trip cancellations, flight disruptions, and emergency evacuations abroad can be very expensive. Schengen visa applicants must also carry qualifying travel medical insurance.

Yes. Many travel insurance companies offer family plans that allow parents and children to be covered under one policy, making coverage easier to manage and often more affordable.

Yes. Children are covered under family travel insurance plans. Some insurers even include coverage for dependent children at little or no additional cost when traveling with insured adults.

Many modern travel insurance plans cover COVID-19 and other unexpected illnesses the same way they cover other medical conditions, including emergency medical treatment, quarantine expenses, and Trip Interruption benefits if covered under the policy.

In many cases, yes. Some family plans allow grandparents or extended family members to be included, though separate policies may sometimes provide better coverage options for seniors or travelers with pre-existing conditions.

Standard plans may exclude activities such as skiing, scuba diving, rafting, or mountain climbing. Families planning adventure activities should look for plans that include sports coverage or optional adventure sports riders.

Most insurers provide 24/7 emergency assistance services. Families can usually file claims online by submitting medical bills, receipts, and supporting travel documents after treatment or trip disruption.

Many travel medical insurance plans allow policy extensions if coverage is requested before the current policy expires. Availability depends on the insurer and whether claims have already been filed.

CFAR coverage can be valuable for expensive family vacations with large non-refundable expenses. It provides additional flexibility by reimbursing a percentage of trip costs if you cancel for reasons not normally covered by standard trip cancellation insurance.