“Ohana means family. Family means nobody gets left behind — or forgotten.”
We love this line from the great (and quirky) Disney movie “Lilo and Stitch.” It means family always comes first, wherever your adventures take you.
Travel insurance isn’t just to protect you, the traveler. Travel insurance can also be useful in situations in which family members fall ill, get seriously injured or face other crises.That naturally prompts the question, “When it comes to family, what does travel insurance cover?
Here's an overview...
For purpose of your travel insurance policy, Allianz Partners defines family members as the following:
Some of our most popular plans, the OneTrip Prime Plan and the OneTrip Premier Plan, cover children 17 and under for free when they’re traveling with a parent or grandparent.
If your family member is also your traveling companion — meaning a person traveling with you whose name appears with yours on the same trip arrangement and who will accompany you on your trip — then other travel insurance benefits may apply. For example:
Even the most carefully planned trips can be derailed by an emergency at home. That’s why it’s so important to have travel insurance that includes trip cancellation and trip interruption benefits. These benefits can reimburse you for nonrefundable trip expenses if you must cancel or interrupt your trip due to the covered serious illness or injury of a family member (among other covered reasons). The injury, illness or medical condition must be considered life threatening by a physician or require hospitalization.
How does this work in real life? Imagine you’re touring Tokyo when you get news that your sister has a sudden, serious accident. Trip interruption benefits can reimburse for your last-minute flight home, as well as reimburse you for the nonrefundable prepaid expenses you lose by cutting your trip short. Or, if you have to cancel an anniversary trip to Paris after your son’s hospitalized with a concussion, trip cancellation benefits can reimburse you for nonrefundable prepaid expenses.
Some Allianz Travel Insurance plans also consider attending the birth of a family member’s child to be a covered reason for trip cancellation.
Sometimes, you’re the one who needs help from family. If you’re hospitalized during your trip, your emergency medical transportation benefits can arrange and pay for round-trip transportation for one friend or family member to come and stay with you.
When you’re reading through your travel insurance plan documents, pay attention to the part labeled “Exclusions.” Some named exclusions apply to family members — even if the family member is not traveling with you.
Our plans, like other types of insurance, have exclusions that impact the coverage and benefits. Each plan is different, so be sure to read the documents we send about your plan.
Reimbursements for losses due to family members’ pre-existing conditions can only be covered when you have pre-existing medical condition coverage. Several Allianz Travel Insurance plans include pre-existing medical condition coverage, but certain rules apply. Here’s a more detailed explanation of how travel insurance can cover pre- existing medical conditions.
We know travel insurance can get complicated! If you have any questions about what your plan covers, don’t hesitate to call us at 1-866-884-3556. Our travel insurance experts can walk you through the plan documents and explain your benefits.