Best Travel Insurance Plans for Families in 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Key Takeaways
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Travel Insured International’s FlexiPAX plan is currently our pick for the best family travel insurance plans of 2026, with Berkshire Hathaway and Travelex also offering great options for parents traveling with children under 18.
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Each policy highlighted on this page features “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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Use our travel insurance quote tool to compare family 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 100+ policies, paying close attention to coverage limits, features, and Squaremouth sales data over the past three months, Travel Insured International’s FlexiPAX policy stands out as the top family travel insurance plan so far in 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 Medical Coverage for Families, Travelex – Ultimate
- 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 Medical Coverage for Families: Over 250 sales, number of travelers greater than or equal to 3, destination not in the US, sorted by highest Emergency Medical coverage limits to lowest.
- 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 is our pick for the best overall family travel insurance in 2026 because of its popularity, generous benefits, and the fact that it offers 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. For large families, this could equate to hundreds of dollars in savings. 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 $152, 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 $152, it is by far the most affordable travel insurance plan that offers family-friendly pricing and is well below the average premium for family plans in 2026. 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 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 the 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 |
|
|---|---|---|---|---|
$168 |
$168 |
$654 |
Get Quotes | |
$160 |
$164 |
$389 |
Get Quotes | |
$182 |
$326 |
$718 |
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, all premiums are relatively the same for a family of four. This is because each plan allows at least one child to be covered free per insured adult.
Premiums increase, however, for 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.
Travelex’s Ultimate plan is consistently the most expensive policy for families. This is because it only offers free coverage for up to one child per insured adult and provides the strongest medical benefits of any of the plans mentioned on this page.
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.
Family travel is known for being unpredictable. That’s why 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 for a covered reason, such as your child getting sick before departure and being unable to travel. Medical coverage is also important, as it 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 |
Travelex Ultimate |
|---|---|---|---|
| Family Friendly Pricing | Up to 9 children with each insured adult | Up to 2 children with each insured adult | Up to 1 child with each insured adult |
| Emergency Medical | Up to $100,000 per person | Up to $50,000 per person | Up to $250,000 per person |
| Medical Evacuation | Up to $500,000 per person | Up to $500,000 per person | Up to $1,000,000 per person |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 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 | $2,000 per person after a 6-hour delay |
| Missed Connection | $500 per person after a 3-hour delay (cruise and tour only) | $500 per person after a 3-hour delay | $750 per person after a 3-hour delay |
| Baggage Loss | $1,000 per person | $1,000 per person | $2,000 per person |
| Baggage Delay | $200 per person after a 12-hour delay | $200 per person after a 24-hour delay | $500 per person after a 12-hour delay |
When it comes to family-friendly pricing, no policy delivers more savings than Travel Insured International’s FlexiPAX policy. 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.
When it comes to trip protection, however, Travelex’s Ultimate plan delivers the best built-in coverage among the three policies highlighted on this page. Its medical benefits, in particular, stand out, providing up to $250,000 in Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage. Travelex Ultimate also offers the highest reimbursement rates for delays, missed connections, baggage loss, and baggage delay.
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 | Travelex |
|---|---|---|---|
| Overall Rating | 4.4 / 5 | 4.3 / 5 | 4.4 / 5 |
| Customer Service Before a Trip | 4.5 / 5 | 4.4 / 5 | 4.5 / 5 |
| Customer Service During a Trip | 4.1 / 5 | 3.8 / 5 | 4.2 / 5 |
| Customer Service After a Trip | 3.7 / 5 | 4.1 / 5 | 4.1 / 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 and Travelex score slightly higher for customer support during a trip, all featured insurers offer 24-hour emergency support to help you navigate tricky situations throughout your trip, as well as concierge services to help make planning your trip less stressful.
Berkshire Hathaway and Travelex provide some of the best customer service after a trip, according to Squaremouth customers, which generally refers to claims handling. These high scores can be attributed to efficient claims processing and responsive customer support.
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 |
Travelex Ultimate |
|---|---|---|---|
| Underwriter | United States Fire Insurance Company | Berkshire Hathaway Specialty Insurance Company | Zurich American Insurance Company |
| A.M. Best Rating | A (Excellent) | A++ (Superior) | A+ (Superior) |
| BBB Rating | A+ | A+ | A+ |
Travel Insured International, Berkshire Hathaway, and Travelex 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.
Travel Insured International – FlexiPAX: Best for Large Families
Traveling with kids can be unpredictable and expensive, which is why FlexiPAX is a strong choice for families seeking reliable, customizable protection. As mentioned above, FlexiPAX provides free coverage for up to 9 children per insured adult, making it the most cost-effective option for parents traveling with multiple children. Aside from its generous pricing structure, it also delivers well-rounded coverage, including up to $100,000 in Emergency Medical and a wide range of add-ons. Many of the plan’s coverage limits can be increased through Travel Insured International’s ‘Policy Upgrades,’ allowing families to tailor protection to their needs.
Berkshire Hathaway – ExactCare: Best for Affordable Family Trip Protection
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 domestically or abroad with multiple kids. Berkshire Hathaway is also a reputable, customer-first provider, and each of its plans comes with 24-hour emergency assistance, concierge services, and a highly-rated claims process.
Travelex – Ultimate: Most Robust Family Travel Insurance Plan
If coverage takes priority over savings, consider Travelex’s Ultimate policy. It features the highest medical, delay, and baggage coverage of any of the family-friendly policies on this page while still offering complimentary protection to children under the age of 18. A few highlights of this plan include its $250,000 worth of Emergency Medical coverage and generous protection for family members with pre-existing medical conditions. The comprehensive medical coverage included in this policy makes it an excellent choice for families planning extended trips abroad.
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.
Examples of family-friendly plans include:
- Arch RoamRight – Pro Plus: Free coverage for one child per adult
- Berkshire – ExactCare: Free coverage for two children per adult
- IMG iTravelInsured Choice – Cruise: Free coverage for one child per adult
- TravelInsured International – FlexiPAX: Free coverage for up to nine children per adult
- Travelex – Ultimate: Free coverage for one child per adult
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.