Are my kids included in this plan? What if my father is injured at home when I’m away? Can my girlfriend/boyfriend be on my plan too?
First, for the most part, you can insure all the travelers on one plan. The InsureMyTrip online quote tool allows you to insure up to 10 travelers under the age of 100. It is crucial you include the ages of all the travelers in the quoting process for them to be included in the coverage.
Each provider and each plan has a different way of addressing types of travelers and non-travelers. It’s crucial to understand how the plan covers each person. If you have to file a claim at any point, this information will help the process remain stress-free.
Children
Insuring your kids when you travel is worth it. Kids are wacky with wild imaginations that sometimes result in scrapes, bruises or even broken bones. Not to mention, they are germ magnets! Whether you are traveling domestically or internationally, adding your children to your travel insurance plan will add a level of security to your travel investment that may be the most at risk. Don’t let another ear infection cost you hundreds of dollars in rescheduling or cancellation fees!
Huge Benefit: Many providers have plans that cover your children at no additional cost.
Residing in Different States
If travelers live in different states, you’ll most likely need two plans. While some providers may have the ability to sell plans to residents of different states, it’s rare. Most states have their own regulations for travel insurance, meaning the plan details can be different for each traveler.
Huge Benefit: Any necessary claims process will be streamlined with two plans because you won’t need to gather documentation across state lines.
Domestic Partners
If you are traveling with a girlfriend or boyfriend that you live with, you can both be covered by the same policy. Most providers include a domestic partner as a family member. Typically, in the case of a claim, providers may request proof of cohabitation and financial interdependence (credit card statements, joint accounts or a shared lease agreement). In some cases, providers may want to see an affidavit of domestic partnership, if recognized by your state.
Huge Benefit: This documentation also can extend to benefits if a domestic partner is a non-traveler.
Non-Travelers
Remember, coverage and benefits extend to only travelers. Your travel medical coverage will not help a non-traveler and they cannot file a claim for lost baggage. Your travel insurance plan does, however, cover you for travel interruption, cancellation or delay in the case of a non-traveler causing this need. For example, if one of a parent falls and breaks a hip or a child becomes ill. It may be prudent to ask about how pre-existing conditions affect the plan as many providers look at this differently for travelers and non-travelers alike.
Huge Benefit: You can get home as soon as possible without worry about your travel costs if you are needed at home due to illness or death of a family member.
Disclaimer: The information contained in this article serves as a general overview of benefits and should only be used for informational purposes. Refer to your individual certificate of insurance for specific coverages, exclusions and benefits. When in doubt, please contact one of our licensed agents for additional assistance.
Ask a Question
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Question
I am taking my sister and niece on a trip. I am paying for all up front costs such as airfare, hotels, and tours. Would they still have a separate policy for these costs?
By Bettina - January 16, 2018
Answer
Even though you are paying for the entire trip, each traveler would still need to be insured so they are covered as well during the trip. If you all live in the same state and travel on the same dates, you can all be on the same policy with most providers. If not, each traveler would need separate policies and they would insure their own portion of the trip cost on each policy.
By MattG - January 18, 2018
Question
Is the quoted price per person or is it the total for the 2 persons travelling?
By PaulH - March 9, 2019
Answer
The prices displayed on our website for each policy is the total price for all travelers listed.
By MattG - March 11, 2019
Question
My husband and I live in different states. Do we need two policies?
By Michie - February 11, 2023
Answer
If you live in different states or have different travel dates, you will need to obtain separate policies.
By MattG - February 13, 2023
Question
We are 2 couples (related but not living together; all live in the same state) planning a trip to Italy. We will be sharing accommodations in Airbnb's. If one couple should have to cancel would they be able to file a claim for their half of the cost of the Airbnb's (or any other jointly paid for, non-refundable expenses, for that matter)? Would we be better purchasing separate policies for each couple or put all 4 on one policy? Thanks.
By TomC - October 19, 2023
Answer
If one traveler (or couple) has to cancel for a covered reason, all travelers who are insured are also covered to cancel the trip. Trip Cancellation extends to traveling companions. You can all be listed on the same policy together if you live in the same state and travel on the same dates. Or, if you wanted separate policies, you can obtain two different plans. You are still covered just the same as if you were listed on the same policy together, please keep in mind.
By MattG - October 21, 2023