9 Best Family Travel Insurance Companies In The US

Family travel insurance is one of those things you hope you never need, but you’ll be really glad you purchased it if something goes wrong on your family trip.

Whether you’re planning your first big vacation with toddlers, a spring break getaway with teens, or a multi‑generation heritage trip abroad, having the right travel insurance can protect you from medical emergencies, trip cancellations, lost luggage, emergency evacuations, and more.

For young parents, especially, knowing your family is covered brings peace of mind so you can focus on making memories instead of worrying about “what ifs.”

Choosing among the many travel insurance companies in the United States can feel overwhelming.

Each provider structures its plans differently, with varying coverage limits, pricing, add‑ons like Cancel For Any Reason (CFAR), and rules around how children are included.

Some family travel insurance plans are pitched as budget‑friendly, while others aim for premium protection or specific trip types like cruises or adventure travel. The best choice for your family depends on your destination, your comfort with risk, and your priorities for coverage.

In this guide, we’re going to walk through nine of the best family travel insurance companies in the U.S. — explaining what makes each stand out and how they might fit into your travel plans.

Think of this as a friendly conversation with another parent who’s done the homework so you don’t have to. We’ll go beyond just names and help you understand the real‑world pros, cons, and features that matter most when you’re travelling with kids.

1. Travel Insured International

When it comes to travel insurance for families, Travel Insured International frequently tops the lists — especially for comprehensive family plans like the FlexiPAX.

This plan is designed with families in mind: each adult can often cover up to nine children under 18 at no extra cost, which is a major savings when you’re travelling with more than one child.

It also offers strong medical and evacuation limits, giving you confidence that your family is protected no matter where you go.

One of the standout features of Travel Insured’s family plans is customization.

You can add upgrades like Cancel For Any Reason (CFAR) if you think there’s a chance you might need to cancel your trip for reasons not otherwise covered by the policy. There are also options for rental car damage protection, pet coverage, and more, so you can tailor the plan to a family trip without paying for things you won’t use.

In everyday terms, that means if you’re planning a family vacation and someone gets sick before you leave, or a travel delay occurs, you’re not left holding all the costs yourself.

Comprehensive medical coverage and high evacuation limits (sometimes up to $500,000 or more) ensure that emergencies, especially those abroad, don’t become financial disasters.

That said, the more robust the coverage and options you choose, the higher the price tag can be. For parents who want solid core protections without extras, compare quotes. But overall, Travel Insured International has earned a strong reputation for offering balanced family coverage with flexibility and solid benefits for a wide range of trip types.

Related Read: How To Compare Cheap Travel Systems Before Buying One 

2. Berkshire Hathaway Travel Protection

You’ve almost certainly heard of Berkshire Hathaway Travel Protection, even if you’re not an insurance buff — it’s part of Warren Buffett’s Berkshire Hathaway empire, known for financial strength and innovative products.

Berkshire’s travel insurance offerings tend to emphasise tech‑driven processes and quick payouts, which can be especially appealing when you’re juggling a busy family itinerary.

One of the key selling points of Berkshire Hathaway’s travel insurance plans, like ExactCare, is how they handle common travel snags.

They often include built‑in benefits for common issues like lost luggage, trip delays, missed connections, and more.

For families, Berkshire Hathaway’s plans may also come with competitive pricing, especially on domestic travel insurance, making them a great choice if you’re mostly doing U.S. trips or short international jaunts.

The digital claims process is designed to be smoother than older, paper‑heavy systems, something any parent will appreciate when they’d rather be enjoying vacation than dealing with paperwork.

However, one thing to watch out for is coverage specifics.

While Berkshire’s plans often include a solid set of standard benefits, they sometimes offer less free coverage for children than other providers.

That means you might pay a little extra per child depending on the policy you choose. Still, for many families, the combination of simplicity, strong reputation, and quality coverage makes this a solid choice.

3. Allianz Travel Insurance

Allianz Travel Insurance is one of the most recognized family travel insurance companies in the US, and for good reason.

Their family‑friendly plans — particularly OneTrip Prime and OneTrip Premier — are popular with parents because they offer generous core protections for trip cancellation, medical emergencies, baggage loss, and rental car damage.

In many cases, children under 17 can be included at no extra cost when they’re travelling with a covered adult.

One of Allianz’s strengths is its global presence and deep experience in handling claims and customer service.

This is a huge benefit for families travelling internationally — you want an insurer that has the infrastructure to help you in different countries and time zones.

Their Cancel For Any Reason upgrade is often available, too, which gives you more flexibility if plans change at the last minute.

Parents who prioritize strong medical coverage and reliable assistance services often gravitate to Allianz because the plans tend to offer higher emergency medical and evacuation limits than basic policies.

This can be a lifesaver if you’re travelling to a destination where healthcare costs are high, or if a medical situation arises when you least expect it.

On the flip side, Allianz’s pricing can be a bit higher than some budget‑oriented competitors.

But many families find that the peace of mind and strength of coverage is worth that extra cost, especially for larger trips or those involving essential travel dates like summer vacation or holidays.

4. Travelex Insurance Services

For families who want customizable coverage and especially strong cancellation benefits, Travelex Insurance Services deserves close consideration.

Their Travel Select plan combines solid core protections with the ability to add options like Cancel For Any Reason, making it a flexible choice when you’re not exactly sure how your itinerary will unfold.

One of the biggest perks for parents is that children under 17 typically travel free when covered with a parent under the Travel Select plan.

That can significantly lower the total cost of coverage — especially if you have multiple kids. Plus, high medical and evacuation limits mean you’re not skimping on protection to save a few dollars.

Another advantage is how easy Travelex makes building a policy.

You start with the base plan and add only the features that matter most to you — such as rental car coverage, coverage for pre‑existing conditions, or higher trip interruption benefits.

This modular approach can be really helpful for parents who want control over what they’re paying for.

That said, because Travelex’s plans are so customizable, it’s important to read the fine print and understand what’s included versus what’s an add‑on.

If you’re new to travel insurance, take your time comparing quotes and coverage details so you aren’t surprised by exclusions or limits when you file a claim.

Related Read: How Much Does Family Travel Insurance Cost In The US?

5. Seven Corners

Seven Corners is another strong player in the family travel insurance space, known for flexible plans and some unique benefits. Their RoundTrip Choice plan, for example, can be a great fit for families who want solid core protections and options like Cancel For Any Reason or Return of Minor Children refunds, which can pay to bring your children home if you’re hospitalized.

Medical coverage and evacuation limits are competitive with other top family travel insurance plans, and Seven Corners often includes benefits like telemedicine access, which lets you connect with a doctor remotely while you’re travelling if you don’t need in‑person care.

That can be a real time‑saver when you’re managing sick kids in an unfamiliar place.

A big plus for families is that Seven Corners often includes children up to age 17 at no additional cost if they are travelling with covered adults. This feature keeps the overall cost down compared to some other family travel insurance companies. 

One thing to keep in mind is that Seven Corners has a range of plans with varying levels of coverage, so you’ll want to compare options carefully.

Some plans are basic while others offer more comprehensive protections and add‑ons depending on your needs.

6. IMG (iTravelInsured)

IMG, often marketed under the iTravelInsured brand, makes several family travel insurance plans that are highly rated for medical coverage and family needs.

Their Travel SE and Travel LX plans offer excellent emergency medical and evacuation coverage, which can be especially reassuring for parents travelling internationally with children.

These plans typically include generous medical limits, high evacuation coverage, and solid baggage and trip delay benefits. Some policies also offer telemedicine access and coverage for pre‑existing conditions when purchased within certain time frames — a useful feature when you have family members with known health issues.

Parents who plan frequent international trips might appreciate IMG’s polished online quoting and claims process.

While claims processing can always be a bit of work regardless of provider, IMG’s digital tools aim to keep documentation and submissions as clear and organized as possible.

Pricing for these plans is higher than basic policies. However, for the elevated medical and evacuation coverage you receive, many families find it worth the cost, especially when travelling far from home or to regions where healthcare expenses can be unpredictable.

Related Read: Best Family Vacation Beaches In Florida

7. World Nomads

If your family is the adventurous type, think hiking, surfing, ziplining, or exploring off‑the‑beaten‑path — World Nomads might be a strong contender.

World Nomads’ plans are built to accommodate active trips and typically include protection for a wide range of activities that many standard policies exclude.

One of World Nomads’ key benefits is flexibility: you can purchase or extend coverage while you’re already travelling. That’s helpful if your travel plans evolve or you decide to tack on additional stops or activities after departure.

However, families should know that World Nomads tends to offer lower base medical and evacuation limits than some other top insurers, which might not be ideal for long trips abroad or destinations with high healthcare costs.

Its pricing can also be higher for basic coverage, so it’s best suited for active families who truly need the extra activity protections.

Finally, while flexibility and adventure coverage are appealing, parent reviewers often note that World Nomads’ claims process can be slower than some competitors.

Make sure you’re comfortable with that trade‑off if you choose this provider.

Related Read: Family Travel Essentials For Young Parents 

8. Trawick International

Trawick International consistently gets high marks from reviewers like NerdWallet for solid, affordable coverage and a range of plan options that can fit different family needs.

Trawick offers plans with good core protections, including trip cancellation, medical coverage, and optional Cancel For Any Reason add‑ons — all at pricing that appeals to budget‑conscious parents.

One thing that makes Trawick stand out is its variety of plan choices, from essential coverage to more comprehensive options.

That means you can select a plan that fits your travel style and how much peace of mind you want — without overpaying for features you won’t use.

Trawick’s plans also cover common travel issues like baggage loss and trip interruptions, which can be real headaches when you’ve got young children in tow and extra gear to track.

While its medical limits may not be as high as some premium family plans, many parents find them adequate for trips where extreme medical coverage isn’t the top concern.

Just like with other insurers, make sure you read the plan details so you understand exactly what’s included — especially if your trip has unique elements like cruises or adventure activities.

9. Faye

Finally, Faye is a newer family travel insurance provider that’s gaining attention for its simple, digital‑first approach and affordable pricing.

While not as long‑established as some of the others on this list, Faye’s focus on user experience — including online quoting, claims filing, and customer service- can be a big help for busy parents who want less paperwork and faster service.

Faye typically offers straightforward coverage with solid protections for trip cancellation, medical emergencies, and delays. Its pricing can be very competitive, especially for domestic trips or shorter international vacations.

However, Faye’s plans may not be as customizable or as rich in add‑on options as some legacy insurers.

Because Faye is newer to the market, there isn’t as much long‑term claims data or user reviews as you’ll find for older, more established companies.

That doesn’t mean it’s a bad insurer; many customers are happy with their experience, but it’s something to consider if you prioritize track record and brand history.

For families on a budget who want a solid set‑and‑forget policy and a smooth digital experience, Faye can be an excellent option.’

Related Read: How To Compare Family Travel Insurance Plans 

Final Thoughts

Choosing the right family travel insurance plan is a balance between coverage, cost, flexibility, and peace of mind.

There’s no one perfect provider for every family, but the nine companies we covered here each offer something valuable depending on your priorities, whether that’s high medical limits, free child coverage, adventure activity inclusions, or a tech‑friendly process.

Before you buy, always compare quotes from multiple insurers, read the policy wording carefully (especially exclusions and limits), and consider add‑ons if they match your trip needs.

For busy parents planning a big family trip, the right insurance can turn “what if” worries into “we’re covered” confidence — and that makes every moment of travel more enjoyable.

Frequently Asked Questions About Family Travel Insurance

1. What is family travel insurance, and why do I need it?

Family travel insurance is a policy that covers your entire family while travelling, protecting against events like medical emergencies, trip cancellations, lost luggage, and travel delays. For parents, it’s especially important because children often add extra risk, from minor illnesses to lost belongings, and medical costs abroad can be very high. Having a family policy ensures everyone is covered under one plan, often at a lower cost than buying individual policies.

2. Do all family travel insurance plans cover children for free?

Not all plans automatically include children for free, but many top providers do allow children under 17 to be covered at no extra cost when travelling with insured adults. Companies like Travel Insured International, Allianz, and Travelex often offer this feature. Always check the policy wording to confirm age limits and whether the child coverage matches the adult coverage limits.

3. What should I look for when choosing a family travel insurance company?

Key factors include:

• Medical coverage limits – especially for international trips.
• Trip cancellation/interruption coverage – including optional Cancel For Any Reason (CFAR).
• Evacuation and emergency assistance – in case of serious illness or injury.
• Coverage for children – how many children are included and at what cost?
• Add-ons or activity coverage – like adventure sports or rental car protection.
• Comparing multiple companies helps you find the right balance between cost and protection for your family’s needs.

4. Can family travel insurance cover pre-existing medical conditions?

Some policies offer coverage for pre-existing conditions if purchased within a certain timeframe after your first trip payment. For example, plans from IMG/iTravelInsured or Travelex include pre-existing condition waivers if you meet the purchase deadlines. Always check the fine print, because coverage limits and exclusions vary by insurer.

5. Are family travel insurance claims difficult to file?

It depends on the company. Established providers like Allianz, Travel Insured International, and Berkshire Hathaway generally have smooth claims processes and strong customer support. Some digital-first providers like Faye offer entirely online claims submission, which can be faster and more convenient. Always keep documentation of medical care, receipts, and travel bookings handy to simplify the claims process.

6. Can I buy family travel insurance after I’ve already started travelling?

Most policies must be purchased before departure, but a few, like World Nomads, allow you to buy or extend coverage while already travelling. This flexibility is useful if your plans change mid-trip, but coverage may be limited compared to policies bought in advance. For full protection, it’s generally best to secure your policy before leaving home.