When traveling abroad with children, It’s better that be ready to deal with any contingency or from convinced that nothing will happen? We do not think twice: travel insurance is essential, for the whole family!
We travel insurance has always been a fixed fee even when we were in two, let alone now, being in the third, the chances that something unexpected is happening mathematically higher. This is not pessimism but realism, I also confirmed by our experience.
So, since I often ask advice on the subject, my answer is always the same: the insurance must be made!
At this point the question is: what insurance? I reproduce below some advice, based on our personal experience.
The main types of travel insurance are two: cancellation and medical.
Travel insurance for children: protect against cancellation
The cancellation insurance is that protection against the possible failure to start is caused by ourselves, repaying at least part of the amount paid (generally remain excluded from coverage expenses management practice and incidental charges).
We happened to need it three years ago. The day before leaving for Sri Lanka, Amanda became ill and we could not go: in this article I talked about our trip cancellation.
If we had not had insurance, we would have lost thousands of Euros! Being insured, however, there has been repaid most of the amount spent, and after two weeks we went to the same destination with the same program, simply postponed by a few days.
On that occasion, we had purchased the policy on purchase of the flight, on the site Bravofly: it Volaflex Top, insurance very particular, which allowed to cancel the flight until a few hours after starting with a simple phone call, without produce any type of certification. Only “disadvantage”: not reimbursed in cash but through a voucher equal to about 80% of the actual expenditure to be spent on the same site within 18 months. For us it was just as well because we were interested in and actually use it after two weeks we left with them (possibly the voucher is not personal then you can sell to third parties).
This particular policy can be purchased on site Bravofly for flights / packages sold on site.
The traditional insurance, however, require a stipulation in part (although sometimes you can buy at favorable prices during the purchase of flights / packages, both online and in the agency). In general the characteristics of a traditional policy are these:
cost about 5% of the price paid for the trip (only flight or package)
some are taken out within 24 hours of flight / package
covering cancellation only for extraordinary reasons and documented (as disease or dismissal)
We so far, apart from the above case and a few others, we always trust in Europ (to be concluded within 24 hours of mandatory flight / package) but fortunately we have never tested.
In general, however, when we proceed with the choice of the policy, it is always advisable to check:
clauses applied (in which cases will be reimbursed and what not)
the ceilings covered
any deductible (ie spending which remains at our expense even if you are insured)
activation mode of the policy (such as asking and get refund)
Travel insurance for children: protect against disease
Medical insurance (which often includes one against damage and lost luggage) is instead that starting on the day of departure to the day of homecoming, as it provides coverage and assistance in case of illness or other problems during the holiday.
We for example we had to be used when the child got sick in the Seychelles. Even then we had signed the policy with Europ Assistance for the occasion provided us:
telephone support by an Italian doctor (who could act as an interpreter if necessary)
reimbursement of costs incurred, once they return home (might even anticipate them but they were not high so we made do).
The policy can be purchased online, at retail EuropAssistance or at the travel agency where you buy the pacchetto.Anche in this case, the factors to consider in the choice of the policy are different:
First the maximum (the maximum amount covered by insurance): with the increase of the ceilings obviously increases the premium to pay, but if you go in a country where health care is expensive (eg the United States) is better have the ceilings as loud as possible (but do not forget that often in the poorest countries to receive adequate assistance must be referred to private facilities that can be very expensive)
the deductible, ie spending which remains on us
the list of activities included in the coverage: for example, some insurance companies do not cover extreme sports like scuba considered
the repatriation cover, which I consider essential, because I imagine that in case of serious problems the first thing you want is just to go home
any offers for families
NB: in European countries and also in some countries outside Europe is in force an agreement with our national health system, whereby you can make free use (or after paying the ticket) of their care, but only at public facilities or cheaper! . If you evaluated the public areas that are about to visit may be worthy of any emergencies.
At this link you can check for the existence of these conventions> Healthcare Italians abroad
Travel insurance for children: cancellation and medical together
Some companies allow you to take out insurance with cancellation and medical.
EuropAssistance with, for example, bills are two and can be taken simultaneously or (remembering that the one against the cancellation must be made within 24 hours of the trip) or at two different times (in fact, medical insurance can be taken out Also near the start).
Recently I happened to read positive opinions of other insurance all Italian: it is Holins. Work online, with services similar to those of Europ (toll free 24-hour 24, direct payment of medical expenses …) and competitively priced especially when you consider the high ceilings and the ability to reset the deductible. Lets take out policies for single or multiviaggio, also for families, both medical and cancellation.
As mentioned in the introduction, these considerations are based on our personal experience and are not meant to replace the advice of doctors or insurers professionals.
I am still of the opinion that when you travel it’s best to be sure: I prefer to throw a few hundred Euros for unused insurance rather than risk ruining economically, as happened to the lady who gave birth prematurely while traveling in the United States and then he had to take up a collection to pay for hospital expenses (EUR 166 thousand).