How to Get Travel Insurance For A Child?

A vacation with your loved ones is supposed to be relaxing for each member, all the while creating fun shared memories with them. However, planning a vacation with your children can be challenging, given that they are more prone to accidents, injuries, and infections. There are several other unpleasant hiccups that travelers may encounter while on a trip with their kids. As such, travel insurance should be made an integral part of your vacation planning. Let’s find out how you can get comprehensive travel insurance for your child.

Read more
Best Child Saving Plans
  • Insurer pays your premiums in your absence

  • Invest ₹10k/month and your child gets ₹1 Cr tax free*

  • Save upto ₹46,800 in tax under Section 80(C)

*All savings are provided by the insurer as per the IRDAI approved insurance plan. Standard T&C Apply

Nothing Is More Important Than Securing Your Child's Future

Invest ₹10k/month your child will get ₹1 Cr Tax Free*

+91
View Plans
Please wait. We Are Processing..
Plans available only for people of Indian origin By clicking on "View Plans" you agree to our Privacy Policy and Terms of use #For a 55 year on investment of 20Lacs #Discount offered by insurance company Tax benefit is subject to changes in tax laws
Get Updates on WhatsApp

What is Travel Insurance?

Travel insurance is an agreement between the insurer and the insured that covers the latter against unforeseen circumstances while traveling. These could include loss of luggage, medical emergencies, accidental deaths, trip cancellations/delays, etc. Travel insurance becomes all the more crucial if you have dependent children. If anything unfortunate were to happen to you, your children will be compensated for the same. 

In current times, there are a lot of travel opportunities for minors in regards to educational pursuits, sports activities, competitive exams, etc. Children traveling alone may not be as equipped to handle the abovementioned challenges as with an adult. It is also naturally not feasible for a parent to accompany them at all times. Travel insurance for children can help offset the risk under such circumstances.  

How to Get Travel Insurance For A Child?

Remember that the best travel insurance for a child is one that offers protection against medical exigencies as well as travel-related expenses. Here’s how you can get a comprehensive travel insurance plan for your child:

  1. Determine Your Child’s Requirements

    Before you blindly start looking for travel insurance options, understand why your child needs it. The coverage that you choose should factor in the type of travel (domestic travel or international), age of the child, prior medical conditions, common travel mishaps such as flight delays/cancellations, loss of tickets/baggage, etc. A child with a medical history should have travel insurance that covers hospitalizations fees. International travel would call for a bigger travel insurance package than domestic travel. 

  2. Compare Travel Insurance Companies

    Once you have identified the goal of purchasing travel insurance for your child, you should look at insurance companies that offer products that align with your standards. Usually, travel insurance for traveling children will vary from one insurer to another. You should compare the quotes on their insurance policies and shortlist a few that matches your requirements and budget. While shortlisting insurance companies, do not forget to check their claims services, their network hospitals, and their presence across the globe. 

  3. Check Exclusions

    You must check the exclusions and the coverage limits that come with the travel insurance schemes of your shortlisted insurers. These exclusions should not clash with your requirements or the cover makes no sense. Remember that premiums shouldn't be the only criteria to base your travel insurance selection for your child. Also, make sure that your child is aware of these exclusions when traveling to ensure that they avoid any activity that requires them to pay out-of-pocket.  

  4. Pick a Comprehensive Cover

    Once you have identified the needs and shortlisted plans, you should be in a position to choose a suitable travel insurance plan for your child that offers maximum coverage at affordable premiums. While general travel insurance policies for children offer coverage against certain sports, you may have to pay additional premiums to cover high-risk activities. One important inclusion to look for right now is COVID cover with the travel insurance policy. 

  5. Apply For A Proposal With A Travel Insurance Company

    Once you have the plan, go to the company’s website and purchase it online. You could also visit their respective branch to get travel insurance for your child. There are advantages of buying travel insurance online such as requiring a fewer number of documents, no medical check-ups, and instant policy issuance. Once you have made the purchase and paid the required premium amount, the insurer issues the policy within minutes. 

Coverage Under Travel Insurance For Children

You can expect to receive the following benefits with a travel insurance plan for your child:

  • Reimbursement for medical treatment 

  • Emergency hospital cash benefit

  • Cost of medical evacuation

  • Accidental death and permanent disability

  • Repatriation of remains

  • Loss of checked-in baggage

  • Loss of passport and travel documents

  • Flight cancellation

  • Loss of currency

Summing Up!

Getting travel insurance for children separately is crucial as it offers a wider range of benefits and independent sum assured. If anything unfortunate were to happen to them during their travels, domestic or otherwise, you can rest assured that they have the means to deal with them. Make sure to keep all the relevant documents handy to ensure a smooth claims process. You shall be required to submit extensive details for approval from the travel insurance company. 

On top of all this, the next most crucial thing is to inform your child about the specificity of their travel insurance policy. Being aware of the inclusions and exclusions allows them to be careful, in addition to incurring lower out-of-pocket expenses when faced with challenging circumstances while traveling.

Child plans articles

Recent Articles
Popular Articles
Government Plans For Girl Child

29 Apr 2022

India's State and Central Governments have introduced novel...
Read more
Girl Child Savings Plan For A 12-Years Old

29 Apr 2022

At 12 years of age, your girl child should have developed some...
Read more
SBI Life Investment Plan For Girl Child

29 Apr 2022

The best investment plan for a girl child is one that allows...
Read more
India Post New Plans For Girl Child

29 Apr 2022

As women are being recognized for their leadership and...
Read more
ICICI Pru Girl Child Plans For NRIs

29 Apr 2022

As an NRI, you not only have the responsibility of ensuring your...
Read more
Best Child Investment Plans to Invest in 2022
Planning for the child’s secured future is not an easy task. Most of the people try to create a strong financial...
Read more
LIC Policy for Girl Child in India
A child insurance plan is a plan that acts as a blend of investment and savings while also providing the child...
Read more
Best Child Insurance Plans in India
A child insurance plan is a combination of savings and insurance, which help the individuals to plan for the...
Read more
Best Investment Plans for Girl Child in India
The right kind of investment of your hard-earned money is necessary, but when it comes to your child, making...
Read more
Prime Minister Schemes For Boy Child
Like the Prime Minister’s Sukanya Samriddhi Yojana savings scheme for a girl child, there are several...
Read more
top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL