Travel insurance for family vacations

Family vacations are a great way to bond and create memories with your children, parents and siblings. Travel insurance may give you peace of mind and protection, allowing you to focus on the moments.

Travel insurance can be essential for protecting your family’s health while on vacation. You should know that your provincial or territorial health insurance plan may not fully protect you or your family members while travelling outside of your home province.

An Allianz Travel Insurance plan with emergency medical benefits may help fill coverage gaps if you experience a medical emergency while travelling. We also offer trip cancellation and delay benefits that reimburse certain non-refundable expenses if your trip is cancelled, delayed or interrupted for a covered reason. Our baggage benefits reimburse certain non-refundable expenses if your family's baggage is lost, stolen or damaged.

Read on to learn why your family should consider travel insurance for your next vacation.

You never know when an unexpected delay, illness or other travel snag will disrupt your travel plans. These instances can become costly without travel insurance.

Let's say you have reservations for an all-inclusive resort in Cancun for your next family beach vacation when the kids are out of school. The week you’re scheduled to fly out, your child catches a schoolyard bug, and your doctor advises you not to travel. An Allianz travel insurance plan with trip cancellation benefits may reimburse certain non-refundable expenses, such as airfare and accommodations, allowing you to postpone for another time.

Or, let's say a storm forecasted after you booked your trip grounds your connecting flight for a day, an Allianz Travel Insurance Plan with trip cancellation and interruption benefits may reimburse certain non-refundable expenses due to the delay, including a hotel stay and food at the airport.

Emergency medical protection: If you're an active family that loves outdoor adventure, or are travelling with elderly grandparents and young children, travel insurance with emergency medical protection is key to protecting your health on vacation.

Let's go back to that family trip to Cancun. You were able to rebook your trip with minimal financial losses, thanks to your travel insurance policy. You've made it to the beach and have booked a snorkeling excursion with the kids.

Everything went swimmingly until your teenager scraped her side on coral. An Allianz Travel Insurance plan may provide coverage for medically necessary emergency transportation, initial treatment of the injury, prescriptions and follow-up care, so you all can get back to safely having fun.

Trip cancellation and interruption: Or, let's say that during your trip to Cancun, your father, who is an elderly man, unfortunately experiences a fall back home. He is hospitalized and you need to fly home early to handle his affairs while he recovers. An Allianz Travel Insurance Plan reimburses certain non-refundable expenses due to trip interruptions.

Lost or delayed baggage: In 2024, 33.4 million pieces of luggage were either lost, damaged or delayed by airlines around the world. That's down from 36.7 million the year before, but still a significant number. An Allianz Travel Insurance Plan with baggage benefits may reimburse certain non-refundable expenses if your baggage is lost, damaged, delayed or stolen.

Assess your family's needs before choosing a travel insurance plan. For example, emergency medical coverage can be especially important when travelling with elderly family members and infants. Additionally, trip cancellation and interruption coverage may be a wise purchase for families who must leave sick or elderly loved ones in the care of someone else at home while on vacation.

If you or a family member travelling with you has a preexisting condition, consider insurers who have applicable requirements on how long the condition must be stable before a policy is purchased. Additionally, if your family travels more than once a year, an annual travel insurance plan may be ideal.

An annual Allianz Travel Insurance plan gives you 365 days of protection for an unlimited number of trips annually for one fee. Compare policies to find the best options. Once you choose your policy, ensure that you understand your coverage limits, what is excluded from your policy and how to file a claim with your insurer.

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