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
Investing in your child's future:A wise decision & a loving choice
  • Insurer pays premium in case of loss of life of parent

  • Create wealth for child’s aspirations

  • Tax Free maturity amount+

  • 12+ plans available

We are rated~
rating
6.7 Crore
Registered Consumers
51
Insurance Partners
3.4 Crore
Policies Sold
  • Insurer pays premium in case of loss of life of parent

  • Create wealth for child’s aspirations

  • Tax Free maturity amount+

  • 12+ plans available

Nothing Is More Important Than Securing Your Child's Future

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

+91
Secure
We don’t spam
Please wait. We Are Processing..
Your personal information is secure with us
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
Get Updates on WhatsApp
We are rated~
rating
6.7 Crore
Registered Consumers
51
Insurance Partners
3.4 Crore
Policies Sold

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. 

    People also read: Child Education Plan

  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. 

    Investment Investment
    Secure Secure
    Child Banner
    Secure your child’s future with or without you
    Start Investing
    ₹10,000/Month
    & Get
    ₹1 Crore*
    *Standard T & C Apply
  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

Invest More Get More
Invest ₹10K/Month YOU GET ₹1 Crores* For Your Child View Plans
Invest ₹8K/Month YOU GET ₹80 Lakhs* For Your Child View Plans
Invest ₹5K/Month YOU GET ₹50 Lakhs* For Your Child View Plans
Standard T&C Apply *

People also read: Sukanya Samriddhi Yojana

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.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
#The lumpsum benefit is calculated if policyholder invested ₹10000 monthly for 10 years in the fund with a policy term of 20 years. This Point To Point past performance data of last 10 years has been used to illustrate a scenario for the customers benefit. It is assumed that the past 10 years returns would have also been delivered in last 20 years. This is not guaranteed and not in anyway indicative of what the customer may actually get 20 years from now. The investment is subject to market risk and the risk is borne by the policyholder.
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

child plan investment

Investment

child plan secure

Secure

Secure your Child’s
Career Goal
Start Investing ₹10,000/Month
& Get ₹1 Crore*
*Standard T & C Apply
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
Child Plan3

Child plans articles

Recent Articles
Popular Articles
Child Education Planner

05 Feb 2024

Ensure your child's dreams come true with a Child Education
Read more
Indian Bank Education Loan

16 Jan 2024

Indian Bank stands tall as a reliable partner in your academic
Read more
Education Loan for Abroad Studies

16 Jan 2024

Pursuing international education is a dream for many aspiring
Read more
Education Loan Without Collateral

16 Jan 2024

An Education Loan Without Collateral is a financial solution
Read more
Canara Bank Education Loan

15 Jan 2024

Canara Bank Education Loan is a comprehensive financial solution
Read more
Top 12 Government Schemes for Girl Child
Top 12 Government Schemes for Girl Child Government schemes for the girl child are a vital aspect of social welfare
Read more
How to Check Post Office Sukanya Samriddhi Yojana Account Balance
The Sukanya Samriddhi Yojana is a savings scheme launched in the year 2015 by Prime Minister Narendra Modi under
Read more
Prime Minister Schemes For Boy Child
The Prime Minister Schemes for Boy Child stand as an important initiative aimed at nurturing the boy child and
Read more
Sukanya Samriddhi Yojana Calculator
The Sukanya Samriddhi Yojana (SSY) is a government-backed savings scheme that aims to create a corpus to
Read more
Best Child Investment Plans to Invest in 2024
Planning for the child’s secured future is not an easy task. Most of the people try to create a strong financial
Read more

top
Close
Download the Policybazaar app
to manage all your insurance needs.
INSTALL