Most travel insurance plans allow for travelers who are not related to be on the same policy. However, this is not required for everyone who is traveling together. Each traveler is able to get their own policy and, in some cases, this can be more beneficial. For example, some policy benefits like travel delay, baggage delay or baggage & personal items loss have overall policy limits instead of per person limits. Also, many of the covered reasons for trip cancellation and trip interruption apply not only to the policyholder, but also their traveling companions. It is wise to compare multiple travel insurance quotes in order to determine which scenario provides the best coverage at the best value. always refer to the certificate of insurance for details.