Best Travel Insurance Plans for Families for 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: January 20, 2026
Key Takeaways
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We analyzed travel insurance policies from the nation’s top providers and found the best family plans are offered by Travel Insured International and Berkshire Hathaway.
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The policies highlighted on this page all feature “Kids Free” pricing, which extends coverage to children 17 and under at no additional cost.
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The best family travel insurance plans are comprehensive and include coverage for trip cancellations, medical emergencies, delays, baggage loss, and other unexpected travel expenses.
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Family travel insurance can be affordable, with plans costing $22 per day on average.
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Try using our travel insurance quote tool to compare plans and prices from multiple providers at once, or speak with an agent at 1-800-240-0369.
Our Top Family Travel Insurance Plans
After evaluating all providers and plans available in the Squaremouth marketplace, Travel Insured International stands out as the top company for family travel insurance for 2026. Below are our best family travel insurance plan recommendations to cater to more specific trip types:
- Best Overall Family Travel Insurance, Travel Insured International – FlexiPAX
- Most Affordable Travel Insurance for Families, Berkshire Hathaway – ExactCare
- Best International Travel Insurance for Families, Travel Insured International – FlexiPAX
- Best Domestic Travel Insurance for Families, Berkshire Hathaway – ExactCare
To maintain complete transparency when selecting the best travel insurance for families, we created our rankings based entirely on Squaremouth sales data from the previous month. Our rankings are unbiased, without any influence from the insurance companies on our site, business relationships, affiliates, or other external parties. The best travel insurance plans highlighted on this page meet the criteria outlined below.
- Best Overall Family Travel Insurance: Over 500 sales, number of travelers greater than or equal to 3, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by the highest to lowest number of policies sold.
- Most Affordable Travel Insurance for Families: Over 250 sales, number of travelers greater than or equal to 3, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by average premium from lowest to highest.
- Best International Travel Insurance for Families: Over 250 sales, number of travelers greater than or equal to 3, destination not in the US, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted from highest to lowest number of policies sold.
- Best Domestic Travel Insurance for Families: Over 100 sales, number of travelers greater than or equal to 3, destination in the US, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by highest to lowest number of policies sold.
The Best Travel Insurance Plans for Families in Detail
Best Overall Family Travel Insurance
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Features the most generous ‘Free Coverage for Kids’ pricing, allowing up to 9 children to be covered at no additional cost per insured adult
The top-selling family plan, chosen by roughly 21% of families insuring trips through Squaremouth
One of the few providers that offers policy upgrades, which allow customers to increase coverage limits for select benefits for a small fee
The only family plan on Squaremouth that offers the optional Cancel For Any Reason (CFAR) and Interruption for Any Reason (IFAR) upgrades, providing the most possible flexibility for families
Travel Insured International’s FlexiPAX plan receives our pick for the best overall family travel insurance because it offers great coverage and the most cost savings for parents traveling with multiple children. While most plans listed on this page allow one or two children to be covered for free, FlexiPAX customers can insure up to 9 children under the age of 18 per insured adult. This popular plan also features high base coverage for key benefits, such as $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage. For further protection, you can enhance your coverage through add-ons like CFAR, IFAR, Rental Car Damage Protection, and policy benefit upgrades.
Most Affordable Family Travel Insurance
Medical / Med Evac Coverage
$25,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The least expensive plan that offers ‘Free Coverage for Kids’ pricing, with an average premium of $197, less than half the average premium for family travel insurance plans
Covers up to $100,000 in travel expenses in the event your family is forced to cancel your trip for a covered reason
Includes strong medical coverage and protection against pre-existing medical condition flare-ups if the policy is purchased during the 15-day time-sensitive window
Budget-conscious parents traveling with children should consider Berkshire Hathaway Travel Protection’s ExactCare option. At an average price of $197, it is by far the most affordable travel insurance plan that offers family-friendly pricing and is well below the $332 average premium for family plans. The policy covers two children free per insured adult at no additional cost. Despite its low price compared to other plans, it still comes with solid reimbursement rates for in-demand benefits, such as up to $500,000 in Medical Evacuation coverage and up to $100,000 in trip costs protection.
Best International Family Travel Insurance
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Great for high-cost international family vacations, covering up to $100,000 in travel expenses per traveler in the event of a trip cancellation or interruption
Offers the most medical coverage of all family plans, coming standard with $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage
Emergency Medical coverage limits can be increased to $500,000 with the inclusion of ‘Medical Upgrade Bundles’ during the checkout process
Offer ‘Medical Upgrade Bundles’, which allow you to increase coverage limits for Emergency Medical and Medical Evacuation benefits for a small fee during the checkout process
Despite being more expensive than other family plans available on Squaremouth, FlexiPAX is consistently the most popular international travel insurance plan for groups traveling abroad. This is in large part because it offers strong financial protection against the most common international travel disruptions, such as medical emergencies, trip cancellations, and flight delays. FlexiPAX also offers among the most customization of any policy on our platform, which can be a huge bonus given the unpredictable nature of traveling with family or large groups.
Best Domestic Family Travel Insurance
Medical / Med Evac Coverage
$25,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Provides dependable, affordable, no-frills travel protection well-suited for families traveling within the United States
Offers Primary Emergency Medical coverage, which can result in a faster claim process if one of your family members gets sick or injured during the trip
One of three family plans to come standard with up to $500,000 in Medical Evacuation coverage
Berkshire Hathaway Travel Protection’s popular ExactCare plan is our pick for the best domestic travel insurance policy for families because of its affordability, generous ‘Kids Covered For Free’ pricing, and strong coverage for key benefits. Notable policy highlights include up to $500,000 in Medical Evacuation coverage, travel delay reimbursement that’s applied after just five hours, and up to $1,000 in protection for Baggage Loss claims. Berkshire Hathaway Travel Protection also offers complimentary Concierge Services with all of its plans, which can provide your family with more support during your domestic vacation.
Compare Costs for the Best Family Travel Insurance Plans
Travel insurance premiums for families are influenced by factors such as the ages of travelers, the total trip cost, and the length of your trip. Fortunately for families, the providers listed on this page offer free coverage for children under the age of 18, which can be a big cost-saver if you’re traveling with young adventurers.
We pulled sample quotes to give you a better idea of how much family travel insurance costs. The prices in the table below are based on quotes for a one-week trip to Orlando, Florida.
Plan |
Family of 4 |
Family of 6 |
Multi-Generational |
|
|---|---|---|---|---|
$196.00 |
$196.00 |
$654.00 |
Get Quotes | |
$184.00 |
$190.00 |
$548.00 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile and destination. The actual price you pay will vary based on your age, trip length, trip cost, destination, state of residence, and more. We provide these prices for example purposes only. For exact pricing, get a quote using your unique trip details.
The sample quotes above show that travel insurance pricing for families can remain consistent even as the number of children increases. For example, both Travel Insured International FlexiPAX and Berkshire Hathaway ExactCare show relatively the same price for a family of four and a family of six. This is because each plan allows at least two children to be covered free per insured adult.
Premiums increase, however, for multi-generational families with older travelers or more adults, as seen in the third scenario, where additional coverage and higher-risk age groups drive the price higher.
Travel Insured International’s FlexiPAX plan is marginally more expensive than Berkshire Hathaway’s ExactCare plan. One of the reasons this is the case is that FlexiPAX offers four times greater Emergency Medical coverage than ExactCare, as detailed in the next section.
Compare Benefits for the Best Family Travel Insurance Plans
Comparing benefits and coverage limits across multiple plans is the best way to find the right policy for your family.
For families, we recommend paying close attention to a plan’s cancellation coverage, which can reimburse your travel expenses if you’re forced to cancel at the last minute, and medical coverage, which can cover the cost of unexpected medical expenses incurred throughout your trip.
Depending on the size of your family, it’s also worth looking at the number of children that can be covered under the plan’s ‘Kids Covered Free’ pricing. The table below shows how coverage for the best family travel insurance plans compares side-by-side.
| Travel Insurance Benefit | Travel Insured International FlexiPAX |
Berkshire Hathaway ExactCare |
|---|---|---|
| Family Friendly Pricing | Up to 9 children with each insured adult | Up to 2 children with each insured adult |
| Emergency Medical | Up to $100,000 per person | Up to $25,000 per person |
| Medical Evacuation | Up to $500,000 per person | Up to $500,000 per person |
| Trip Cancellation | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost |
| Travel Delay | $1,000 per person after a 6-hour delay | $1,000 per person after a 5-hour delay |
| Missed Connection | $500 per person after a 3-hour delay (cruise and tour only) | $500 per person after a 3-hour delay |
| Baggage Loss | $1,000 per person | $1,000 per person |
| Baggage Delay | $200 per person after a 12-hour delay | $200 per person after a 24-hour delay |
When it comes to family-friendly pricing, no policy delivers more savings than Travel Insured International’s FlexiPAX. It provides free coverage for up to nine children per insured adult, which can translate into hundreds of dollars in savings for large families. Berkshire Hathaway’s ExactCare plan also offers generous family pricing, allowing free coverage for up to two children per insured adult.
While both plans offer comparable trip cancellation coverage, FlexiPAX stands out with significantly higher Emergency Medical coverage. As mentioned earlier, FlexiPAX provides four times more coverage per person than ExactCare, which can be invaluable if a serious injury or illness occurs during your trip.
Coverage for Travel Delay, Missed Connection, and Baggage Loss is competitive between the two plans, with only minor differences. ExactCare’s delay coverage activates one hour sooner than FlexiPAX, and its Missed Connection benefit is broader, applying to all missed connections rather than being limited to cruise or tour departures.
Compare Customer Satisfaction Ratings
Family trips can be full of last‑minute changes, unexpected hiccups, and other unique challenges. That’s why finding a reliable travel insurance provider that offers excellent customer service is so important. Beyond coverage and cost, we recommend that all customers compare customer satisfaction scores when looking for family travel insurance.
To help you choose, we share customer satisfaction ratings for leading travel insurance plans, focusing on how well each provider supports families before, during, and after travel. All ratings are from verified customers who purchased travel insurance coverage on Squaremouth.
| Customer Satisfaction | Travel Insured International | Berkshire Hathaway |
|---|---|---|
| Overall Rating | 4.4 / 5 | 4.3 / 5 |
| Customer Service Before a Trip | 4.48 / 5 | 4.38 / 5 |
| Customer Service During a Trip | 4.08 / 5 | 3.78 / 5 |
| Customer Service After a Trip | 3.73 / 5 | 4.09 / 5 |
We based the ratings in the above chart on verified customer reviews and rounded them to the nearest decimal. All ratings were valid when we published them, but they may change as new reviews come in.
While Travel Insured International scores slightly higher for customer support during a trip, both insurers offer 24-hour emergency support to help you navigate tricky situations, as well as concierge services to help make your trip less stressful.
Berkshire Hathaway has one of the best customer satisfaction ratings on our platform for customer service after a trip, which generally refers to claims handling. This high score can be attributed to the provider’s innovative approach to claims, allowing customers to begin the process conveniently through the provider’s user-friendly mobile app.
How Reliable Are the Best Family Travel Insurance Providers?
Our expert product team carefully reviews every policy and provider before it is listed on our site to ensure reliability. Each plan on Squaremouth is also backed by our Zero Complaint Guarantee, which makes sure providers handle customer claims fairly and transparently.
AM Best financial score ratings, which judge an insurer’s ability to fulfill claims obligations, and Better Business Bureau (BBB) scores, which indicate a company’s responsiveness to customer complaints, can also help you understand a provider’s reliability. These scores can be found in the table below.
| Reliability | Travel Insured International FlexiPAX |
Berkshire Hathaway ExactCare |
|---|---|---|
| Underwriter | United States Fire Insurance Company | Berkshire Hathaway Specialty Insurance Company |
| A.M. Best Rating | A (Excellent) | A++ (Superior) |
| BBB Rating | A+ | A+ |
Both Travel Insured International and Berkshire Hathaway maintain an AM Best rating of A (Excellent) or better. This means that you can purchase coverage from these providers with confidence, knowing that they can pay out claims, even in complex or high-cost situations.
BBB scores are also strong across the board, with both providers receiving A+ scores. This score indicates that a provider is diligent and effective in responding to customer complaints.
Which Family Plan is Right for Me?
Only a handful of travel insurance plans on Squaremouth offer free coverage for kids. The right plan for you will depend on the size of your family, your budget, and your coverage needs.
If none of the options listed on this page seem right for your family, we recommend exploring other policies on Squaremouth from the nation’s top providers.
- Traveling with kids can be unpredictable, which is why FlexiPAX is a strong choice for families seeking reliable, customizable protection. As one of the most popular comprehensive travel insurance plans on Squaremouth, FlexiPAX delivers well-rounded coverage and includes up to $100,000 in Emergency Medical coverage per insured family member. The plan also stands out for its flexibility. Many coverage limits can be increased through Travel Insured International’s ‘Policy Upgrades,’ allowing families to tailor protection to their needs. This is especially helpful if you need enhanced benefits, such as higher Baggage Loss limits when traveling with expensive gear, strollers, or electronics.
- If you’re trying to keep travel insurance expenses to a minimum, consider Berkshire Hathaway’s ExactCare policy. This plan, like many Berkshire Hathaway products, provides budget-friendly protection against cancellations, medical emergencies, delays, and baggage issues. It covers up to two children per insured adult for free, which is ideal if you’re traveling with multiple children. Berkshire Hathaway is also a reputable, customer-first provider. Each of its plans comes with 24-hour emergency assistance, concierge services, and a highly-rated claims process. One potential drawback of ExactCare, however, is that it only offers up to $20,000 in Emergency Medical coverage, which is less than what’s generally recommended for international travel.
FAQs: Travel Insurance Plans for Families
Do All Travel Insurance Plans Provide Free Coverage for Children 17 and Under?
No, not all travel insurance plans cover children 17 and under for free. Most policies charge a premium for every traveler listed on the plan, regardless of age.
That said, Squaremouth does offer a selection of family-friendly plans with ‘Kids Covered Free’ pricing. These plans typically allow one or more children to be included at no additional cost per paying adult, though age requirements and limits vary by provider and policy.
What If I Need to File a Claim with My Family Travel Insurance Plan?
Traveling with young children can mean a higher chance of illness, last-minute itinerary changes, and other surprises.
To be reimbursed for financial loss, you will need to file a claim directly with your travel insurance provider. While this process can differ from one insurer to the next, most include the following steps:
- Understand your travel insurance coverage. Review your policy and be sure to know your plan’s exclusions before you file a claim. Misunderstanding your plan’s coverage is the most common reason for a denied claim.
- Keep all documentation. You’ll need to provide proof of your expenses, so hang on to all receipts, medical records, and physician statements. These will be requested by your provider when you file a claim.
- Contact your provider. Use your provider’s 24/7 emergency assistance department if you need to file a claim. They will be able to help arrange medical care while you’re away from home, arrange proof of payment with the doctor, and provide other travel assistance you may need.
Do Family Travel Insurance Plans Provide Individual Coverage?
Yes, family travel insurance plans provide coverage for each traveler, with benefit limits applied on a per-person basis. To ensure everyone is fully protected, every family member traveling must be listed on the policy.
For example, Travel Insured International’s FlexiPAX plan includes up to $100,000 in Emergency Medical coverage per person. This means each insured family member is eligible for their own $100,000 coverage limit, as long as they are included as a travel companion on the policy.