Best Travel Insurance Plans for Families in 2026
Written By James Clark Author
Reviewed By Steven Benna Editor
Reviewed By Arielle Turriff Product Specialist
Key Takeaways
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Plans from Travel Insured International, Berkshire Hathaway and Travelex rank top among the strongest family travel insurance plans in 2026, thanks to “Kids Free” pricing structures, .
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“Kids Free” pricing, extends the insured adult’s travel coverage to accompanying children (17 and under or 18 and under) at no additional cost.
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Our full guide to family travel insurance plans outlines how these policies work, what to look for, cost considerations and more.
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Use our travel insurance quote tool to compare family plans and prices from multiple providers at once, or speak with an agent at 1-800-240-0369.
Our Top Family Travel Insurance Plans
After evaluating 100+ policies, paying close attention to coverage limits, features, and Squaremouth sales data over the past three months, Travel Insured International’s FlexiPAX policy stands out as the top family travel insurance plan so far in 2026. Below are our best family travel insurance plan recommendations to cater to more specific trip types:
- Best Overall Family Travel Insurance, Travel Insured International – FlexiPAX
- Most Affordable & Best Domestic Family Travel Insurance, Berkshire Hathaway – ExactCare
- Best International Medical Coverage for Families, Travelex – Ultimate
To maintain complete transparency when selecting the best travel insurance for families, we created our rankings based entirely on Squaremouth sales data from the previous month. Our rankings are unbiased, without any influence from the insurance companies on our site, business relationships, affiliates, or other external parties. The best travel insurance plans highlighted on this page meet the criteria outlined below.
- Best Overall Family Travel Insurance: Over 500 sales, number of travelers greater than or equal to 3, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by the highest to lowest number of policies sold.
- Most Affordable Travel Insurance for Families: Over 250 sales, number of travelers greater than or equal to 3, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by average premium from lowest to highest.
- Best International Medical Coverage for Families: Over 250 sales, number of travelers greater than or equal to 3, destination not in the US, sorted by highest Emergency Medical coverage limits to lowest.
- Best Domestic Travel Insurance for Families: Over 100 sales, number of travelers greater than or equal to 3, destination in the US, emergency medical coverage of at least $10,000, and medical evacuation coverage of at least $50,000, sorted by highest to lowest number of policies sold.
The Best Travel Insurance Plans for Families in Detail
Best Overall Family Travel Insurance
Medical / Med Evac Coverage
$100,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
Features the most generous ‘Free Coverage for Kids’ pricing, allowing up to 9 children to be covered at no additional cost per insured adult
The top-selling family plan, chosen by roughly 21% of families insuring trips through Squaremouth
One of the few providers that offers policy upgrades, which allow customers to increase coverage limits for select benefits for a small fee
The only family plan on Squaremouth that offers the optional Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR) upgrades, providing the most possible flexibility for families
Travel Insured International’s FlexiPAX plan is our pick for the best overall family travel insurance in 2026 because of its popularity, generous benefits, and the fact that it offers the most cost savings for parents traveling with multiple children. While most plans listed on this page allow one or two children to be covered for free, FlexiPAX customers can insure up to 9 children under the age of 18 per insured adult. For large families, this could equate to hundreds of dollars in savings. This popular plan also features high base coverage for key benefits, such as $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage. For further protection, you can enhance your coverage through add-ons like CFAR, IFAR, Rental Car Damage Protection, and policy benefit upgrades.
Most Affordable & Best Domestic Family Travel Insurance
Medical / Med Evac Coverage
$25,000 / $500,000Cancellation / Interruption Limits
100% / 150% of trip cost
The least expensive plan that offers ‘Free Coverage for Kids’ pricing, with an average premium of $152, less than half the average premium for family travel insurance plans
Provides dependable, affordable, no-frills travel protection well-suited for families traveling within the United States
Offers Primary Emergency Medical coverage, which can result in a faster claim process if one of your family members gets sick or injured during the trip
Budget-conscious parents traveling with children should consider Berkshire Hathaway Travel Protection’s ExactCare option. At an average price of $152, it is by far the most affordable travel insurance plan that offers family-friendly pricing. It is also our pick for the best domestic travel insurance policy for families. The policy covers two children free per insured adult at no additional cost. Notable policy highlights include up to $500,000 in Medical Evacuation coverage, up to $100,000 in trip costs protection, travel delay reimbursement that’s applied after just five hours, and up to $1,000 in protection for Baggage Loss claims. Berkshire Hathaway Travel Protection also offers complimentary Concierge Services with all of its plans, which can provide your family with more support during your domestic vacation.
Best International Medical Coverage for Families
Medical / Med Evac Coverage
$250,000 / $1,000,000Cancellation / Interruption Limits
100% / 150% of trip cost
Comes standard with up to $250,000 in Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage, which is the best medical protection offered by a family-friendly policy
Offers coverage for pre-existing medical conditions if you purchase your plan within 21 days of your initial trip deposit, which can be helpful if someone in your family experiences a medical flare-up while traveling
Provides free coverage for one child per insured adult, providing significant savings to families traveling abroad
Since U.S. health insurance is rarely accepted abroad, it helps to find a policy that includes strong medical coverage for the duration of your trip. Travelex’s Ultimate plan provides families with excellent international health coverage with $250,000 in Emergency Medical protection and $1,000,000 in reimbursement for medical evacuations. This is more than five times greater than our minimum coverage recommendations for overseas travel. On top of this, the plan provides generous Pre-Existing Condition, Trip Delay, and Baggage Loss coverage. As with most family-friendly travel insurance plans on Squaremouth, Travelex’s Ultimate policy provides free coverage for one child under the age of 18 per insured adult.
Compare Costs for the Best Family Travel Insurance Plans
Travel insurance premiums for families are influenced by factors such as the ages of travelers, the total trip cost, and the length of the trip. Fortunately for families, the providers listed on this page offer free coverage for children under the age of 18, which can be a big cost-saver if you’re traveling with young adventurers.
We pulled sample quotes to give you a better idea of how much family travel insurance costs. The prices in the table below are based on quotes for a one-week trip to Orlando, Florida.
Plan |
Family of 4 |
Family of 6 |
Multi-Generational |
|
|---|---|---|---|---|
$168 |
$168 |
$654 |
Get Quotes | |
$160 |
$164 |
$389 |
Get Quotes | |
$182 |
$326 |
$718 |
Get Quotes |
The above prices are examples of a sample quote for a generic traveler profile and destination. The actual price you pay will vary based on your age, trip length, trip cost, destination, state of residence, and more. We provide these prices for example purposes only. For exact pricing, get a quote using your unique trip details.
The sample quotes above show that travel insurance pricing for families can remain consistent even as the number of children increases. For example, all premiums are relatively the same for a family of four. This is because each plan allows at least one child to be covered free per insured adult.
Premiums increase, however, for families with older travelers or more adults, as seen in the third scenario, where additional coverage and higher-risk age groups drive the price higher.
Travelex’s Ultimate plan is consistently the most expensive policy for families. This is because it only offers free coverage for up to one child per insured adult and provides the strongest medical benefits of any of the plans mentioned on this page.
Do Family Travel Insurance Plans Provide Individual Coverage?
Yes, family travel insurance plans provide coverage for each traveler, with benefit limits applied on a per-person basis, rather than a group basis.
For example, Travel Insured International’s FlexiPAX plan includes up to $100,000 in Emergency Medical coverage per person. This means each insured family member is eligible for their own $100,000 coverage limit, as long as they are included as a travel companion on the policy.
To ensure everyone is fully protected, every family member traveling must be listed on the policy. In the section below, we’ll detail what each plan on this list can cover.
Which Family Travel Insurance Plan Offers The Strongest Coverage?
When it comes to trip protection, Travelex’s Ultimate plan delivers the best built-in coverage among the three policies highlighted on this page. Its medical benefits, in particular, stand out, providing up to $250,000 in Emergency Medical coverage and up to $1,000,000 in Medical Evacuation coverage. Travelex Ultimate also offers the highest reimbursement rates for delays, missed connections, baggage loss, and baggage delay.
Berkshire Hathaway’s ExactCare plan offers generous family pricing, allowing free coverage for up to two children per insured adult, but coverage limits are lower and better suited for domestic travel. When looking specifically at family-friendly pricing, no policy delivers more savings than Travel Insured International’s FlexiPAX policy. It provides free coverage for up to nine children per insured adult, which can translate into hundreds of dollars in savings for large families.
The table below shows how coverage for the best family travel insurance plans compares side by side.
| Travel Insurance Benefit | Travel Insured International FlexiPAX |
Berkshire Hathaway ExactCare |
Travelex Ultimate |
|---|---|---|---|
| Family-Friendly Pricing | Up to 9 children with each insured adult | Up to 2 children with each insured adult | Up to 1 child with each insured adult |
| Emergency Medical | Up to $100,000 per person | Up to $50,000 per person | Up to $250,000 per person |
| Medical Evacuation | Up to $500,000 per person | Up to $500,000 per person | Up to $1,000,000 per person |
| Trip Cancellation | 100% of trip cost | 100% of trip cost | 100% of trip cost |
| Trip Interruption | 150% of trip cost | 150% of trip cost | 150% of trip cost |
| Travel Delay | $1,000 per person after a 6-hour delay | $1,000 per person after a 5-hour delay | $2,000 per person after a 6-hour delay |
| Missed Connection | $500 per person after a 3-hour delay (cruise and tour only) | $500 per person after a 3-hour delay | $750 per person after a 3-hour delay |
| Baggage Loss | $1,000 per person | $1,000 per person | $2,000 per person |
| Baggage Delay | $200 per person after a 12-hour delay | $200 per person after a 24-hour delay | $500 per person after a 12-hour delay |
Family travel is known for being unpredictable. That’s why we recommend paying close attention to a plan’s cancellation coverage, which can reimburse your travel expenses if you’re forced to cancel at the last minute for a covered reason, such as your child getting sick before departure and being unable to travel. Medical coverage is also important, as it can cover the cost of unexpected medical expenses incurred throughout your trip. Depending on the size of your family, it’s also worth looking at how many children can be covered under the plan’s ‘Kids Covered Free’ pricing.
Compare Customer Satisfaction Ratings
Beyond coverage and cost, we recommend comparing customer satisfaction scores when looking for family travel insurance, as these trips can often include unexpected hiccups and unique challenges that excellent customer service can help you solve.
Below, you’ll find customer satisfaction ratings for the top family plans on this list, broken down by how well customers rate each provider for support before, during, and after travel. All ratings are from verified customers who purchased a policy from these providers via Squaremouth.
| Customer Satisfaction | Travel Insured International | Berkshire Hathaway | Travelex |
|---|---|---|---|
| Overall Rating | 4.4 / 5 | 4.3 / 5 | 4.4 / 5 |
| Customer Service Before a Trip | 4.5 / 5 | 4.4 / 5 | 4.5 / 5 |
| Customer Service During a Trip | 4.1 / 5 | 3.8 / 5 | 4.2 / 5 |
| Customer Service After a Trip | 3.7 / 5 | 4.1 / 5 | 4.1 / 5 |
We based the ratings in the above chart on verified customer reviews and rounded them to the nearest decimal. All ratings were valid when we published them, but they may change as new reviews come in.
Travelex is the top scorer in all categories and is rated slightly higher for customer support during a trip.
That said, all featured insurers offer 24-hour emergency support to help you navigate tricky situations throughout your trip, as well as concierge services to help make planning your trip less stressful, and all are well-rated.
Berkshire Hathaway and Travelex provide some of the best customer service after a trip, according to Squaremouth customers, which generally refers to claims handling. These high scores can be attributed to efficient claims processing and responsive customer support.
How Reliable Are the Best Family Travel Insurance Providers?
Travel Insured International, Berkshire Hathaway, and Travelex maintain an AM Best rating of A (Excellent) or better, which is a measure of their financial strength. This means that you can purchase coverage from these providers with confidence, knowing that they can pay out claims, even in complex or high-cost situations.
Better Business Bureau scores are also strong across the board, with all providers receiving A+ scores. This score indicates that a provider is diligent and effective in responding to customer complaints.
| Reliability | Travel Insured International FlexiPAX |
Berkshire Hathaway ExactCare |
Travelex Ultimate |
|---|---|---|---|
| Underwriter | United States Fire Insurance Company | Berkshire Hathaway Specialty Insurance Company | Zurich American Insurance Company |
| A.M. Best Rating | A (Excellent) | A++ (Superior) | A+ (Superior) |
| BBB Rating | A+ | A+ | A+ |
Apart from high customer satisfaction scores and third-party ratings, our internal product team reviews every policy and provider before it is listed on Squaremouth to ensure reliability. Each plan on Squaremouth is also backed by our Zero Complaint Guarantee, which makes sure providers handle customer claims fairly and transparently.
Which Family Plan is Right for Me?
Only a handful of travel insurance plans on Squaremouth offer free coverage for kids. The right plan for you will depend on the size of your family, your budget, and your coverage needs.
If none of the options listed on this page seem right for your family, we recommend exploring other policies on Squaremouth from the nation’s top providers.
Travel Insured International – FlexiPAX: Best for Large Families
Traveling with kids can be unpredictable and expensive, which is why FlexiPAX is a strong choice for families seeking reliable, customizable protection. As mentioned above, FlexiPAX provides free coverage for up to 9 children per insured adult, making it the most cost-effective option for parents traveling with multiple children. Aside from its generous pricing structure, it also delivers well-rounded coverage, including up to $100,000 in Emergency Medical and a wide range of add-ons. Many of the plan’s coverage limits can be increased through Travel Insured International’s ‘Policy Upgrades,’ allowing families to tailor protection to their needs.
Berkshire Hathaway – ExactCare: Best for Affordable Family Trip Protection
If you’re trying to keep travel insurance expenses to a minimum, consider Berkshire Hathaway’s ExactCare policy. This plan, like many Berkshire Hathaway products, provides budget-friendly protection against cancellations, medical emergencies, delays, and baggage issues. It covers up to two children per insured adult for free, which is ideal if you’re traveling domestically or abroad with multiple kids. Berkshire Hathaway is also a reputable, customer-first provider, and each of its plans comes with 24-hour emergency assistance, concierge services, and a highly rated claims process.
Travelex – Ultimate: Most Robust Family Travel Insurance Plan
If coverage takes priority over savings, consider Travelex’s Ultimate policy. It features the highest medical, delay, and baggage coverage of any of the family-friendly policies on this page while still offering complimentary protection to children under the age of 18. A few highlights of this plan include its $250,000 worth of Emergency Medical coverage and generous protection for family members with pre-existing medical conditions. The comprehensive medical coverage included in this policy makes it an excellent choice for families planning extended trips abroad.
FAQs: Travel Insurance Plans for Families
Do All Travel Insurance Plans Provide Free Coverage for Children 18 and Under?
No, most policies charge a premium for every traveler listed on the plan, regardless of age. That said, Squaremouth does offer a selection of family-friendly plans with ‘Kids Free’ pricing.
These plans typically allow one or more children to be included at no additional cost per paying adult, though age requirements and limits vary by provider and policy. Not all ‘Kids Free’ insurance plans cover children 18 and under, as some plans restrict kids to 17 and under.
Examples of family plans that can cover children for free include:
- Arch RoamRight – Pro Plus: Free coverage for one child per adult
- Berkshire Hathaway – ExactCare: Free coverage for two children per adult
- IMG iTravelInsured Choice – Cruise: Free coverage for one child per adult
- Travel Insured International – FlexiPAX: Free coverage for up to nine children per adult
- Travelex – Ultimate: Free coverage for one child per adult
What If I Need to File a Claim with My Family Travel Insurance Plan?
Traveling with young children can mean a higher chance of illness, last-minute itinerary changes, and other surprises.
To be reimbursed for financial loss, you will need to file a claim directly with your travel insurance provider. While this process can differ from one insurer to the next, most include the following steps:
- Understand your travel insurance coverage. Review your policy and be sure to know your plan’s exclusions before you file a claim. Misunderstanding your plan’s coverage is the most common reason for a denied claim.
- Keep all documentation. You’ll need to provide proof of your expenses, so hang on to all receipts, medical records, and physician statements. These will be requested by your provider when you file a claim.
- Contact your provider. Use your provider’s 24/7 emergency assistance department if you need to file a claim. They will be able to help arrange medical care while you’re away from home, arrange proof of payment with the doctor, and provide other travel assistance you may need.