Travel insurance for kids is still a relatively new concept in many homes. Most people don’t understand what it entails, while others deem it as an unnecessary expense. However, like adults, children need travel insurance to protect and cover them in case of an emergency or accident. To help you purchase the right cover for your child, here are five tips to consider.
1. Family cover
If your child is going away with relatives or family friends, you might want to consider getting a group travel insurance policy. It’s cheaper than an individual cover and guarantees everyone on the trip is insured as long as they’re listed in the policy.
Another great way to keep your travel insurance expenses low is by purchasing a single-trip policy. However, this only works if your child travels once every year. If they travel multiple times throughout the year, you’re better off getting a multi-trip policy.
You can purchase multi-trip travel insurance to cover your kid alone or get a family pack that covers both adults and children.
Always compare single trip and multi-trip costs to see which package is the best value for your money. Although rare, some insurers have hidden additional costs that might make your single-trip insurance a bit expensive.
3. Check your policy carefully
Check over your travel insurance policy details to know what’s covered and what’s not. You don’t want any surprises when filing a claim. Besides, many insurance policies contain exclusions and exceptions that are stated in the fine print but are still confusing.
Luckily, by reading and understanding your policy, you can identify such loopholes and determine whether they can be covered at an additional cost. If you’re unsure about anything, be sure to ask your potential insurer for clarification.
If your child is travelling alone, you want them to access vital travel documentation easily in case they’re needed during the trip. Fortunately, you can use a cloud storage service like Google Docs or Dropbox to upload scans of essential documents, including insurance and passports.
To compare child travel insurance quotes, visit Compare Insurance today.