4 Best Family Travel Insurance Companies in 2025
There’s nothing quite like exploring the world and making memories with the people you love. Just like any type of getaway, family vacations are much less stressful with the right protection and some peace of mind.
Family travel insurance is designed to financially protect your group from costly out-of-pocket expenses if your trip takes an unexpected turn for the worst. The best plans cover unforeseen events like medical emergencies, last-minute trip cancellations, significant travel delays, and baggage loss.
The policies highlighted in this list feature “Kids Free” pricing and other family-friendly benefits to help parents find the best protection for their next group getaway. Continue reading to see our picks for the best family travel insurance plans.
Key Takeaways
After evaluating all 19 providers and 100+ plans available in the Squaremouth marketplace, we have selected Travel Insured International as the top company for family travel insurance in 2025. 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 Travel Insurance for Families: Berkshire Hathaway – ExactCare Lite
- Best International Travel Insurance for Families: Travel Insured International – FlexiPAX
- Best Domestic Travel Insurance for Families: Berkshire Hathaway – ExactCare
What Factors We Considered
To ensure transparency and independence in selecting our travel insurance award winners, we base our decisions solely on Squaremouth marketplace sales data from the previous month, without any influence from insurance companies, business relationships, affiliates, or other external parties. Each award is given to the top-selling plans that meet the specific 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 Travel Insurance for Families: Over 250 sales, number of travelers greater than or equal to 3, destination not in the US, emergency medical coverage of at least $50,000, and medical evacuation coverage of at least $100,000, sorted by the highest to lowest number of policies sold.
- 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 the highest to lowest number of policies sold.
Best Overall Family Travel Insurance
Travel Insured International
- Best Plan: FlexiPAX
- Features the most generous ‘Free Coverage for Kids’ pricing, allowing up to 9 children to be covered at no additional cost for an insured adult
- The top selling family plan, chosen by roughly 23% of families insuring trips through Squaremouth
- The customization options, well-rounded coverage, and up to $500,000 in medical coverage also makes FlexiPAX our pick for ‘Best International Travel Insurance For Families’
- 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 receives our pick for the best overall family travel insurance because it offers well-rounded protection and a pricing structure that offers the most potential savings for parents traveling with young children. FlexiPAX customers can insure up to nine children under the age of 18 per each insured adult at no additional cost. It also provides families with the most opportunities for customization, offering popular add-ons like CFAR, IFAR, and Rental Car Damage Protection.
Even without any upgrades applied, FlexiPAX offers the highest amount of Emergency Medical coverage for any family plan listed on the Squaremouth platform, plus comprehensive cancellation coverage and coverage for delays and luggage.
Most Affordable Family Travel Insurance
Berkshire Hathaway Travel Protection
- Best Plan: ExactCare Lite
- The least expensive plan that offers ‘Free Coverage for Kids’ pricing, with an average premium of $70, less than $332 below the average premium for family travel insurance plans
- Covers one child free per each insured adult, one of five policies on Squaremouth to offer family-friendly pricing
- Includes limited Trip Cancellation and Trip Interruption coverage, two benefits that are not commonly included in low-cost travel insurance plans
- Travelers can receive coverage for pre-existing medical condition flare-ups if policy is purchased during the 15-day time-sensitive window
Budget-conscious parents traveling with children should consider Berkshire Hathaway Travel Protection’s ExactCare Lite option. At $70, it is by far the most affordable travel insurance plan that features family-friendly pricing and well below the $332 average premium for family plans. The policy covers one child free per each insured adult at no additional cost. Despite its low price compared to other plans, it does come with solid reimbursement rates for in-demand benefits, such as up to $100,000 in Medical Evacuation coverage.
This no-frills travel protection would be a good option for families who want basic medical coverage for the duration of their trip and are not concerned with protecting their travel expenses.
Best International Family Travel Insurance
Travel Insured International
- Best Plan: FlexiPAX
- Great for high-cost international family vacations, with Trip Cancellation coverage up to $100,000 per insured traveler
- Offers the most medical coverage of all family plans, coming standard with $100,000 in Emergency Medical coverage and $500,000 in Medical Evacuation coverage
- Emergency Medical coverage limits can be increased to $500,000 with the inclusion of ‘Medical Upgrade Bundles’ during the checkout process
- The policy’s generous ‘Free Coverage for Kids’ pricing allows families to be covered for less when traveling internationally
Despite being more expensive than other family plans available on Squaremouth, FlexiPAX is consistently the most popular choice for groups traveling abroad. This is in large part due to the fact that it offers some of the strongest medical and cancellation coverage of any policy that offers family-friendly pricing. It is also the only family policy that allows customers to enhance their coverage with the popular Cancel For Any Reason (CFAR) and Interruption For Any Reason (IFAR) add-ons, which can provide more cancellation flexibility to families.
We recommend FlexiPAX to large families taking an international trip that want the most peace of mind and policy customization options.
Most Affordable Family Travel Insurance
Berkshire Hathaway Travel Protection
- Best Plan: ExactCare Lite
- Features strong ‘Kids Covered For Free’ pricing structure, allowing two children to be covered free of charge per each insured adult
- Offers up to $25,000 in Primary Emergency Medical coverage, which can result in faster claim payouts if one of your family members gets sick or injured during the trip
- One of three family plans to come standard with up to $500,000 in Medical Evacuation coverage
Berkshire Hathaway Travel Protection’s popular ExactCare plan is our pick for the best option for families traveling within the United States because of its affordability, generous ‘Kids Covered For Free’ pricing, and coverage for key benefits. Notable policy highlights include up to $500,000 in Medical Evacuation coverage, 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.
What Does Family Travel Insurance Cover?
Travel insurance is designed to cover a wide-range of disruptions you’ll potentially encounter while away from home.
For family travel, we recommend a comprehensive policy. These are plans that offer well-rounded protection for expenses related to your health, your trip, and your belongings.
Below are a few key benefits included in comprehensive travel insurance plans that can help protect you financially during your next family vacation:
- Emergency Medical: Whether it’s food poisoning or a broken arm, this benefit reimburses any unexpected medical expenses incurred while traveling.
- Medical Evacuation: Reimbursement for emergency medical transportation to the nearest adequate medical facility.
- Trip Cancellation: Provides up to 100% reimbursement for prepaid, non-refundable trip costs in the event you’re forced to cancel your trip due to a covered reason.
- Trip Interruption: Provides reimbursement for unused travel expenses in the event you’re forced to end your trip early due to a covered reason.
- Travel Delay: Covers the cost of meals, accommodation, and transportation expenses in the event your flights, cruise, train, or other common carrier is significantly delayed.
- Baggage & Personal Item Loss: Covers the cost of personal belongings that get lost, stolen, or damaged at any point during a covered trip.
How Much Does Family Travel Insurance Cost?
The average cost of travel insurance for families is roughly $345. Travel insurance premiums are typically determined by risk factors like your family members’ ages, the number of travelers on your policy, your trip length, your total trip costs, and the extent of coverage a policy offers.
Other factors like your destination, policy upgrades, and optional add-ons may also be taken into consideration when calculating premiums. Families traveling with young children can save on insurance by choosing policies that cover travelers under the age of 18 at no additional cost.
Is Travel Insurance for Families Worth It?
Yes, family travel insurance is often worth it, especially for international trips or vacations with young children. It provides coverage for trip cancellations, medical emergencies, lost baggage, and travel delays—common issues that can become costly and stressful when traveling with a family.
Additionally, family travel insurance can be essential for trips involving adventure activities, cruises, or destinations where your regular health insurance doesn’t apply. With 24/7 assistance and emergency medical coverage, it ensures you’re covered if unexpected situations arise.
If your trip includes non-refundable bookings, high-risk activities, or multiple destinations, investing in family travel insurance is a smart choice.
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