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Insurance for Grandparents and Grandchildren Traveling

If you’re a grandparent who loves to travel, you may be wondering if you need to purchase travel insurance when traveling with your grandchildren. The short answer is yes! While your health insurance may cover you while you’re away from home, it’s important to have travel insurance in case of any unforeseen events such as canceled flights, lost baggage, or illness. In this blog post, we’ll discuss some of the things you should look for in a travel insurance policy and how to make sure you and your grandchildren are covered while on vacation.

What is Travel Insurance? 

Travel insurance is a policy that provides protection in the event of any unforeseen problems that may arise during your trip. It can cover things like flight cancellations, medical emergencies, and lost or stolen belongings. Travel insurance is an important safety net to have in place in case something goes wrong while you’re away from home. 

Why Do I Need Travel Insurance When Traveling With Grandchildren? 

There are a few reasons why it’s especially important to have travel insurance when traveling with grandchildren. First of all, kids tend to get sick—a lot. Even if they’re perfectly healthy at home, the stress of travel can weaken their immune systems and make them more susceptible to picking up illnesses like colds and flus. If your grandchild falls ill while on vacation, travel insurance can help cover unexpected medical expenses. 

In addition, kids are notorious for losing things—including passports and other important documents. If your grandchild accidentally misplaces their passport while you’re abroad, travel insurance can help cover the cost of replacing it so you can continue with your trip as planned. 

Lastly, traveling with grandchildren can be expensive. If you have to cancel or interrupt your trip for any reason—say, a family emergency back home—travel insurance can help reimburse you for any non-refundable expenses, like flight tickets or hotel reservations. 

The best way to get travel insurance when traveling with grandchildren is to purchase a comprehensive policy that covers both you and your grandchild. That way, you’ll both be protected in the event of any unexpected problems that may come up during your trip.

Types of Coverage to Look for in a Travel Insurance Policy: 

Trip Cancellation/Interruption: This type of coverage reimburses you for any non-refundable expenses if your trip is canceled due to an unforeseen event such as bad weather, a sick family member, or a terrorist attack. 
Medical Expenses: If you or your grandchildren become ill during your trip, medical expense coverage will help pay for the cost of treatment. 
Lost Baggage: This type of coverage reimburses you for the cost of replacing any lost or stolen items from your baggage. 
24/7 Emergency Assistance: Many travel insurance policies come with 24/7 emergency assistance hotlines that can help you with everything from finding a doctor to translating a foreign language.  

Making sure you’re covered

The first step in making sure you’re covered is to read the fine print of your travel insurance policy. It’s important to know what types of events are and are not covered by your policy. Once you’ve done that, be sure to keep all important documents such as your policy number and contact information for your insurer in a safe place in case you need to file a claim while on vacation. Finally, it’s always a good idea to call your insurer before departure to verify that all the details of your policy are up to date and that there have been no changes since you purchased the policy.  Get a wise pick to make sure that you are insured before traveling.

Happy travel!