Q&A: Protecting your family while travelling

July 11, 2018 | Daniela Escobar

Purchasing travel insurance is a simple process, but choosing the appropriate coverage can feel overwhelming, especially if you’re travelling with kids in tow.

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Below are answers to the frequently asked questions about purchasing travel insurance for the whole family.

Are there family travel insurance options?

Yes! CAA travel insurance offers a family plan that covers you, your spouse and all your children under one policy. Purchasing a family plan is a great way to save, especially for a large family, as premiums are calculated based on a simple formula:

$ amount of oldest parent’s insurance premium x 2.25 or 2.75 (depending on the insurance product purchased)

What are the restrictions to a family plan?

A family plan only covers children who are under 18, under 26 and full-time students, or dependent on parents (for example, if they have a disability). That means that if you have two children who are 13 and 15, they’re covered under the plan. An 18-year-old full-time university student would also be covered.

Can grandparents purchase a family plan?

Yes! The formula works the same for grandparents as it does for parents:

$ amount of oldest parent’s insurance premium x 2.25 or 2.75 (depending on the insurance product purchased)

Keep in mind, grandparents or older parents travelling with kids might have a higher premium. Always compare the cost of a family plan with the cost of individual plans to ensure you’re getting the best value. You can always contact a CAA Niagara branch and one of our member services representatives will be happy to walk you through your options.

What if me or one of my kids gets sick or injured while travelling?

It’s these situations that make purchasing travel insurance so important. While you hope you never have to use it, travel insurance can protect you and your family from incurring huge medical bills in the event of an unforeseen injury or illness.

So, what do you do if someone in your family gets hurt or sick? CAA travel insurance makes it easy for you to get medical attention, no matter where you are in the world:

  1. When you purchase travel insurance, you’ll get a wallet card outlining your policy information. Keep this with you at all times and make sure that other adults in your party have a copy as well.
  1. In an emergency, call the number on the wallet card for 24/7 assistance
  1. The assistance company will ask you a series of questions, including your location, what is the nature of the emergency and if you require an ambulance
  1. If you require an ambulance or other emergency services, they can help arrange those. Otherwise, they’ll make recommendations on what your next steps should be, including indicating what clinic or other medical facilities in the area you should use.

If I have a family plan, am I protected if I travel as an individual?

As long as you purchase a multi-trip family plan, your family is protected whether you travel together or separately. If your kids are on a school trip outside of Ontario or you’re travelling to Chicago for business, you’re still covered.

To learn more about family travel insurance plans and to get a quote, visit caaniagara.ca/travelinsurance, call 1-800-263-7272 or visit a CAA Niagara branch.

Tags: Travel Insurance

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