Travel insurance for trips with teenagers – Forbes Advisor

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Family travel is certainly different when traveling with teenagers versus young children. There may be more expensive activities, more independence on a trip, and teenage opinions (lots of them) of experiences and excursions.

If you’re traveling with a teenager, especially overseas, it’s important to consider a comprehensive travel insurance policy.

Cancellations, delays and other setbacks

Any family can be frustrated by travel disruptions or emergencies. To ease some financial hardship, consider buying a travel insurance policy with:

Trip Cancellation Cover: This reimburses you 100% for non-refundable deposits you lose when you have to cancel the trip for a reason covered by the policy, such as illness or injury.

Travel Delay Coverage: It pays extra expenses when you are stuck somewhere for a certain period of time, say six hours. (The required delay time varies by policy.) You can be reimbursed for necessary expenses such as meals and toiletries needed during the delay.

Trip Interruption Coverage: If you need to get home early for a reason covered by the policy, this coverage reimburses you for parts of the trip you missed, such as non-refundable hotel rooms and prepaid excursions. He can also pay for the one-way ticket to return.

Recommended travel insurance for trips with teenagers

When traveling, it is especially important to plan for health issues.

“Covering unvaccinated teenagers with travel insurance is increasingly important as the Delta variant continues to spread,” says Daniel Durazo, spokesperson for Allianz Partners. In response to Covid-19, Allianz has introduced epidemic enhancements to many of its travel insurance plans. These provide cover for Covid-related illnesses as well as associated costs like mandatory quarantines and denied boarding due to suspected illness.

Since U.S. health insurance plans are generally not accepted beyond the U.S. or its territories, Durazo says travel emergency medical benefits are essential for international travel.

“It can be extremely difficult and expensive to handle medical emergencies outside the United States. Finding a medical facility, securing payment, and arranging and paying for transportation are all things that travel insurance and travel assistance can do. “, says Durazo. A travel insurance policy with appropriate medical benefits can handle all of these payments.

It is also important to note that accidents have no limits for adults, teenagers or the type of trip taken. “Teen travel often means families traveling for a summer vacation that includes one of their children taking part in an amateur club sports tournament,” observes Carol Mueller, spokesperson for Berkshire Hathaway Travel Protection.

If this is the case during your trip, make sure that your travel insurance covers the sports played. Some plans exclude certain sports and adventure activities.

And trip interruption benefits could also help. “If the injury disrupts the trip, which means the doctor advises against further travel for the injured teenager, the interruption of the trip [benefits] may also be available,” says Mueller.

If your teenager has a serious accident or develops a worsening illness, emergency medical evacuation coverage could literally save a life. “Even more expensive than treatment is emergency medical evacuation, something the right travel insurance policy can cover for you,” Durazo says.

For example, your child may be medically evacuated to a facility that can provide the appropriate level of care and treatment. Without travel insurance, Durazo says medical evacuation and transportation costs range from $15,000 to $200,000 and more, depending on the traveler’s medical condition and location in the world.

Get free travel insurance for teens

Many travel insurance companies allow children to be added to a plan at no cost.

“The only thing better than getting great travel protection for your teen is getting it for free,” Durazo observes.
Look for a policy that covers teenagers for free when traveling with a parent or grandparent. For example, some of Allianz’s most popular plans include the OneTrip Prime plan and the OneTrip Premier plan, which cover children 17 and under free when traveling with a parent or grandparent.

Teen adventure

If your teen is adventurous, this could influence your travel insurance considerations.

Many policies exclude coverage for specific adventure activities, so you’ll want to find the right policy for your specific activities.

“For example, a sport like scuba diving (above 120ft and with a divemaster) is covered by some policies; scuba diving less than 120 feet and without a dive master may not be,” says Duranzo.

Other adventure activities typically not covered include skydiving, hang gliding, caving, bungee jumping, high altitude activities, contact sports, and other high-risk activities. If you’re not sure what your travel insurance policy covers, call your provider to get your questions answered.

Dealing with school calendar changes

Since your travel schedule often depends on the school calendar, plans like Berkshire Hathaway Travel Protection’s LuxuryCare even include cancellation coverage if your child’s school calendar is extended, for example, if snow days are added to the end of the school year. If your vacation is precariously close to the last day of school, this is something to consider.

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