Best Travel Insurance Plans for Families in 2025
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Last Updated: December 2, 2025
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 in 2025. 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 by the 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 cost 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.
What Does Family Travel Insurance Cover?
Family travel insurance covers a wide range of disruptions you’ll potentially encounter while away from home, from cancelled trips to medical emergencies to lengthy flight delays.
For family travel, we recommend a comprehensive policy that protects your family’s health, travel expenses, and personal belongings throughout your trip. Below are a few key benefits included in comprehensive travel insurance plans:
- Emergency Medical: Whether it’s food poisoning or a broken arm, this benefit reimburses any unexpected medical expenses incurred while travelling.
- Medical Evacuation: Reimbursement for emergency medical transportation to the nearest adequate medical facility.
- Trip Cancellation: Provides up to 100% reimbursement for prepaid, non-refundable trip costs in the event you’re forced to cancel your trip due to a covered reason.
- Trip Interruption: Provides reimbursement for unused travel expenses in the event you’re forced to end your trip early due to a covered reason.
- Travel Delay: Covers the cost of meals, accommodation, and transportation expenses in the event your flights, cruise, train, or other common carrier is significantly delayed.
- Baggage & Personal Item Loss: Covers the cost of personal belongings that get lost, stolen, or damaged at any point during a covered trip.
How Much Does Family Travel Insurance Cost?
The average cost of travel insurance for families is roughly $345. In general, you can expect to pay between 4% and 10% of your total trip cost for a comprehensive family travel insurance plan.
Travel insurance premiums are typically determined by risk factors like your family members’ ages, the number of travelers on your policy, your trip length, your total trip costs, and the extent of coverage a policy offers.
Other factors like your destination, policy upgrades, and optional add-ons may also be taken into consideration when calculating premiums. Families traveling with young children can save on insurance by choosing policies that cover travelers under the age of 18 at no additional cost.
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.
Is Travel Insurance for Families Worth It?
Yes, it is worth it to get a family travel insurance plan, especially if you’re taking an international trip or traveling with young children. Family travel insurance is comprehensive, with coverage for trip cancellations, medical emergencies, lost baggage, and travel delays. These are the most common issues that you can expect to face when traveling as a family. Additionally, family travel insurance can be essential for adventurous trips, cruises, or destinations where your regular health insurance doesn’t apply.
If your trip includes non-refundable bookings, high-risk activities, or multiple destinations, investing in family travel insurance is a smart choice.