Family travel insurance starting at just ₹306*
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One Plan Covers the Full Family
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Medical Cover $250,000
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Cashless Treatment Worldwide
Family Travel Insurance
A family travel insurance plan is a cost-effective way to protect yourself and your family against medical emergencies and trip interruptions such as trip cancellations, missed flights, theft, luggage loss and delays.
For example, if you are planning a trip with your spouse, kids, parents, and your sibling and their family, we offer a family floater policy for you, your spouse, and your children, as well as a separate policy for your brother, his spouse, and their children. Meanwhile, your parents will be protected under a senior citizen policy!
While coverage needs may differ for each traveller type, at IndusInd General Insurance (formerly known as Reliance General Insurance), we ensure you have multiple policies to meet all your needs. Our Family Travel Insurance plan, in particular, is designed to provide comprehensive protection for your immediate family members, all under a single policy.
With us, you can focus on creating happy memories with your loved ones. Wherever you land, we’ve got your family covered!
Why Families Trust Us?
As disposable incomes increase globally, particularly within emerging economies, more families are prioritising travel and leisure. So, keep your loved ones protected on every adventure with IndusInd Family Travel Insurance. Whether it's a short getaway or a long vacation, travel with confidence knowing your entire family is covered under one comprehensive policy.
Up to $250,000 Sum Insured
Covers the whole family
24x7 Global Assistance*
Instant responsive support
Flight & Baggage Loss Covered*
Delays, loss covered
Quick Cashless Treatment
Global hospital support
What is Family Travel Insurance?
Family travel insurance is a single policy that covers all members of your family while travelling. Instead of buying individual plans for each person, you can buy one plan that covers everyone. It usually includes the parents, dependent children, and sometimes even senior family members like grandparents.
This type of policy works just like an individual travel insurance plan, but is more convenient and cost-effective. It covers medical emergencies, trip cancellations, baggage loss, flight delays, and other travel risks that may affect any family member.
The biggest benefit? You do not have to manage multiple policies. Everything is bundled into one simple plan with either shared or individual coverage limits, depending on the insurer. It is ideal for family holidays, business-cum-family trips, or international vacations.
Whether you are heading abroad or travelling within India, a family travel insurance policy helps you stay confident throughout the journey.
Why Do Families Need Travel Insurance?
Covers Medical Emergencies
Unexpected health issues can occur at any time during a trip. Travel insurance helps cover hospital visits, doctor consultations, and treatments abroad, so you do not face high medical bills in a foreign country.
Children’s Health Risks
Children may fall sick while travelling due to weather changes or new environments. With travel insurance, you get support for doctor visits, medicines, and even hospital stays, so your child gets the care they need.
Travel Delays
Flight delays or cancellations can lead to extra hotel and meal costs. A good family travel insurance plan reimburses these expenses, making the delay easier to manage for your whole family.
Lost Baggage
Lost or delayed baggage can be stressful, especially with kids. Insurance helps replace essential items like clothes, medicines, or baby care products, so your trip can continue smoothly.
Loss of Passport
Losing a passport abroad can be a nightmare. Travel insurance covers the cost and the process of obtaining a duplicate passport quickly, including travel to the embassy or consulate if required.
International Healthcare Costs
Medical treatment abroad is often expensive. Travel insurance protects your savings by covering treatment costs, hospital stays, and emergency services, which may otherwise cost lakhs in some countries.
Key Features & Benefits of Family Travel Insurance
What’s Covered & Not Covered Under Family Travel Insurance
What’s Covered?
Medical Emergency: Emergency medical costs for illnesses, accidents, and life-threatening complications from PEDs.
Personal Liability: Coverage applicable costs and legal costs for accidental damage to someone's property or injury.
Trip and Baggage Delay: Trips and baggage delays (over 12 hrs) due to medical emergencies, security issues or bad weather.
Passport and Baggage Loss: Covers the cost of replacing your passport if it is lost or stolen during your trip.
Emergency Assist: Emergency cash assistance if you lose money due to any accident or robbery during the trip.
What’s Not Covered
Medical Tourism, Undisclosed Pre-Existing Diseases & Maternity: We cover all medical emergency costs while you're overseas except for maternity costs, undeclared PEDs and planned medical treatments.
Negligence & Travelling Against Medical Advice: Your trip emergencies are always covered; however, we do not cover trips taken against a doctor's advice, or claims due to personal delays or negligence.
Legal Action: Liability-related costs are fully covered, except for those arising from any legal violations while overseas.
Adventure Sports (Without Add-on) :Basic travel activities are covered; adventure sports need a separate add-on for protection during high-risk experiences.
Disclaimer: For a detailed list of inclusions and exclusions, please refer to the policy wording.
Need help buying Family travel insurance?
Speak to our Expert Advisors
Types of Family Travel Insurance Policies
Whether you are travelling to Asia, Europe, or any other continent, IndusInd General Insurance (previously Reliance General Insurance) offers travel policies made for you. All you need to do is enter your travel dates and the number of people you’re travelling with, and we will offer a customised plan suited to your family.
Single-Trip Family Travel Insurance
This plan is perfect for families taking a one-time vacation abroad. It covers all insured members for the entire duration of the trip. For example, if you’re travelling with your parents and family, you can get one policy to cover your spouse, children and parents. For more coverage, you can insure your parents under a senior citizen travel insurance plan.
Annual Multi-Trip Family Travel Insurance
Perfect for families who travel often, this plan covers multiple trips to various destinations within a year. Each trip is protected for 30 to 45 days, offering flexible coverage for medical emergencies, trip cancellations, lost baggage, and more. If you also have your extended family with you, you can get a single-trip policy for them or contact us for a custom plan.
International Family Travel Insurance
International family travel insurance protects your entire family while travelling abroad. It covers medical emergencies, trip delays, lost baggage, and passport loss. This policy suits families travelling together for vacations, weddings, or business trips overseas. It ensures convenience by handling unexpected expenses that may arise in a foreign country.
Family Travel Insurance for Domestic Trips
Domestic family travel insurance is meant for holidays within India. It covers trip cancellations, emergency medical needs, baggage loss and accidental injuries. If your family travels by air, train, or road, this policy keeps you financially safe. It is ideal for vacations, family functions, or short domestic getaways. You can avail this plan through our key partners who facilitate domestic travel like Yatra, MakeMyTrip and Ixigo.
IndusInd Family Travel Insurance Coverage
Family Travel Plan (excluding USA & Canada)
Summarises the main features and coverage of our Family travel plan. This plan allows you to buy a single travel insurance policy that covers all family members with a single medical coverage. If you want more comprehensive medical coverage, you can opt for separate travel plans for each family member. The plans provide coverage for all countries except the US and Canada.
Key Features | Basic Coverage | Maximum Coverage |
|---|---|---|
Medical expenses | $100,000 | $250,000 |
Personal liability | $100,000 | $200,000 |
Personal accident | $15,000 | $25,000 |
Total loss of baggage | $500 | $1000 |
Loss of passport | $300 | $300 |
Delayed checked-in baggage | $100 | $100 |
Trip delays | $25/day (Max of 5 Days) | $50/day (Max of 7 Days) |
Dental treatment | $500 | $500 |
Home burglary insurance | ₹1,00,000 | ₹1,00,000 |
Compassionate visit | Return fare for a family member/doctor | Return fare for a family member/doctor |
Disclaimer: To check the complete coverage plans, please refer to the policy wording linked here.
Family Travel Plan (Worldwide)
Displays the key advantages and coverages that come with our Family travel plan. This plan enables you to purchase a single travel insurance policy that covers all family members and provides collective medical coverage. For those seeking higher medical coverage, individual travel plans can be selected for each family member. The plans cover all countries, including the US and Canada.
Key Features | Coverage |
|---|---|
Medical expenses | $100,000 |
Personal liability | $100,000 |
Personal accident | $25,000 |
Total loss of baggage | $1000 |
Loss of passport | $300 |
Delayed checked-in baggage | $100 |
Trip delays | $50/day (7 Days Max) |
Dental treatment | $500 |
Home burglary insurance | ₹2,00,000 |
Compassionate visit | Return fare for a family member/doctor |
Disclaimer: To check the complete coverage plans, please refer to the policy wording linked here.
Annual Family Travel Insurance
Annual family travel insurance is perfect for families who travel more than twice a year. Instead of buying a new policy every time, you get one plan that covers unlimited trips for an entire year. It is convenient, cost-saving, and easy to manage.
This plan is great for families with school holidays, frequent business trips with loved ones, or those who love short getaways. Everyone, parents, kids, and even senior members, can be covered under a single policy.
Each trip has a maximum duration limit of 30 or 45 days, but you can travel as many times as you want within the policy year. It includes medical emergencies, flight delays, baggage loss, and more.
A one-time payment means no last-minute rush to buy insurance before every trip. You stay protected year-round, whether you plan or travel on short notice. For travel-loving families, annual insurance offers the right mix of savings and flexibility.
Family Travel Insurance for Popular Destinations
France
Popular for: Rich history, Culture and attractions like the Eiffel Tower
Visa Requirements: Pre-approved visa (Schengen Visa)
Thailand
Popular for: Beautiful beaches, rich cultural heritage, temples and food
Visa Requirements: Visa-free, E-visa
Australia
Popular for: Nature retreats and landmarks like the Sydney Opera House
Visa Requirements: Pre-approved visa
Singapore
Popular for: Cultural diversity, Universal Studios and Sentosa Island
Visa Requirements: Pre-approved visa
USA
Popular for: Statue of Liberty, Disneyland and Universal Studios
Visa Requirements: Pre-approved visa
Italy
Popular for: Rich history, culture, scenic beauty and world-class cuisine
Visa Requirements: Pre-approved visa (Schengen Visa)
UAE (Dubai)
Popular for: Modern attractions, shopping malls and desert safaris
Visa Requirements: Pre-approved visa, Visa on arrival
Japan
Popular for: Cultural experiences and theme parks like Tokyo Disneyland
Visa Requirements: Pre-approved visa
Malaysia
Popular for: Petronas Twin Towers, a mix of beaches, rainforests and city life
Visa Requirements: Visa-free, E-visa
Eligibility Criteria for Family Travel Insurance
Before buying a family travel insurance policy, it is important to understand who can be covered and what rules apply. Here is a simple guide to help you check if your family is eligible.
Family Members Covered
Most family travel insurance plans include the primary policyholder (usually a parent), their spouse, and dependent children. Some plans also cover dependent parents or parents-in-law. The members must usually travel together on the same trip.
Age Limits
Insurance companies set age limits for both children and adults. Children are generally covered from 90 days to 21 or 25 years of age, depending on the insurer. Adults can be covered up to 60 or 70 years, while senior citizen plans may be required for those above the age limit.
Health Criteria
You may need to declare pre-existing medical conditions before buying the policy. Some insurers exclude certain medical conditions or charge an extra premium for coverage. In many cases, a medical check-up is not needed unless specified.
Documentation Requirements
You need to provide basic ID proofs, age documents, passport details (for international travel), and relationship proof if required. Having accurate documents ensures a smooth claims process in case of emergencies.
Factors Affecting Premium
Age
Older travellers, especially senior citizens, may have higher premiums due to increased health risks. Children and younger adults usually get lower rates. The age of each covered family member directly impacts the total premium amount.
Destination
Premiums vary based on where you are travelling. Countries with high medical costs, like the USA or Europe, usually have higher insurance costs compared to trips within Asia or nearby regions.
Trip Duration
The longer your trip, the more you pay. A short weekend trip will cost less than a month-long vacation. Insurance companies calculate premiums based on the number of days your family will be away.
Family Size
More members mean a higher premium. Covering a couple with two kids costs less than covering a larger group that includes grandparents or multiple children. Each added member increases the coverage amount needed.
Medical History
If any family member has pre-existing medical conditions, the plan may cost more or require additional medical cover. Some conditions might also be excluded unless specifically declared in the policy.
Premium Estimates (USA, Europe, Thailand)
14-Day Trip to USA
Premium: ₹2,087.00
Sum insured: $50,000
Key Benefits: Offers comprehensive coverage, including medical emergencies, PED inclusion, baggage protection, personal liability, and 24/7 assistance.
21-Day Trip to Europe
Premium: ₹1,449.00
Sum insured: $50,000
Key Benefits: Covers emergency medical care, dental treatment, lost passport, trip interruption, delayed baggage, personal liability, and 24/7 support.
7-Day Trip to Thailand
Premium: ₹990.00
Sum insured: $50,000
Key Benefits: Offers comprehensive cover for medical emergencies, PEDs, trips, baggage issues, personal liability, compassionate visits, with 24/7 assistance.
Document Checklist for Claim Submission
ID Proofs - IDs confirm the identity and relationship of all insured family members
Passports (for international trips) - Required to verify international travel details and eligibility.
Travel Dates and Itinerary - Helps the insurer define the coverage period and destination-based risks.
Basic Health Information - Assesses medical risk and eligibility for coverage, especially for older travellers.
How to Choose the Best Family Travel Insurance?
How to Buy Family Travel Insurance Online?
Scroll Up
Go to the form on top of this page to start the buying process.
Pick Travel Type
Choose travel type as ‘Family’ > Enter your travel details.
Choose Coverage
Select a plan with the highest sum insured (SI) > Click on “Continue”.
Review and Buy
Review > Pay using one of the payment options > Get your policy instantly.
Travel insurance starting at just ₹306*!
Make The Best Memories With Us!
Protect your loved ones under a single policy and make the most of your long-awaited family adventure with our flexible travel plans.
How to File a Claim Under Family Travel Insurance?
Filing a claim under your IndusInd travel insurance policy is easy! For medical claims, all you need to do is submit your policy details at the hospital reception to get cashless medical coverage. And for non-medical claims like flight delays, trip cancellations, lost checked-in luggage, etc., open your IndusInd Insurance App and tap “InstaClaim”.Here are the details and documents you will need to provide when filing a claim. These will need to be scanned and emailed to us at indusind@europ-assistance.in
General Documents
Travel Documents & Claim Form: Your original ticket, boarding pass or a copy of your passport indicating the travel dates. Duly filled and signed claims form.
For Medical Claims: Medical bills, test reports, discharge summaries, etc. They need to show your name and treatment date, the type of illness and details of the items used for medical treatment.
For Theft & Emergency Cash: A Police Report obtained within 24 hours of the incident. For theft, the report needs to be obtained within 24 hours of you knowing that the item has gone missing.
Passport Loss: Original bills/receipts of costs for a new/fresh passport.
Additional Documents
Total Loss of Checked-In Baggage: A Property Irregularity Report or other report issued by the airline. You also need to submit proof of ownership of lost items worth more than US$100.
Delay of Checked-In Baggage: Original bills of emergency items purchased, and the Property Irregularity Report from the airline stating the date and time of arrival of the delayed baggage.
Flight Delays & Missed Connections: Confirmation from the airline, with the scheduled arrival time and the actual arrival time. The reason for the flight delay needs to be mentioned, and all original bills for costs.
For Third Party Liability: A police report and proof of judicial decision.
Disclaimer: For the complete list of documents, please refer to your policy documents. For further assistance, you can contact customer support.
Family Travel Insurance vs Individual Travel Insurance
Feature | Family Travel Insurance | Individual Travel Insurance |
|---|---|---|
Cost Benefits | More affordable for families travelling together | Higher total cost when buying separate policies |
Convenience | One policy, one renewal, easy to track | Each person needs a separate policy and renewal |
Family Inclusion | Covers spouse, dependent children, and sometimes senior parents | Only covers one individual |
Emergency Services | Shared emergency support for all family members | Emergency support available only for the insured person |
Trip Cancellation Cover | Covers trip cancellation for the whole family | Covers only the individual's bookings |
Claims Process | Single claim process if the entire family is affected | Separate claims are required for each insured person |
Documentation | Fewer documents needed overall | Separate documentation is needed for each traveller |
Customisation | Limited to common family needs | Can be tailored to specific individual requirements |
Travel Tips for Families
Research Your Destination
Understand local laws, cultural norms, and safety conditions of your destination. For detailed dos and don’ts, check location-specific Reddit pages like r/JapanTravel for Japan. You can also Google with ‘(destination’s) local customs’ or ‘(destination’s) travel tips’.
Pack a First-Aid Kit
Prepare a first-aid kit with essentials like bandages, antiseptic wipes, pain relievers and prescribed medications. This ensures you have anything you’d need to handle minor injuries or health issues without scrambling to find a pharmacy.
Keep a Relative Informed
Share your itinerary and trip details with a trusted family member back home. This ensures someone always knows where you are and can help contact authorities if something goes wrong.
Make Copies of Documents
Keep physical and digital copies of important travel documents, including your visa, passport, booking confirmations and travel insurance. You can use Digilocker to keep your soft copies safe.
Register Visit with Embassy
It’s always good practice to register your arrival at the Indian Embassy once you arrive at your destination. This makes it easier to get assistance in case of travel emergencies during your trip.
Discuss Safety Rules
Make sure you discuss safety rules or emergency plans with your children. Practice instructions for basic scenarios, like what to do if they get separated from you. They should also have access to emergency service numbers for the country they are visiting.
Kids’ Safety
Always keep a close watch on children at airports, stations, and public places. Use ID bracelets or tags with contact details. Teach kids what to do if they get separated during the trip.
Medication Packing
Carry a travel-friendly medicine kit with doctor-prescribed medicines and basic first-aid. Pack enough medicines for the entire trip, along with the prescriptions, so that you do not fall short in case of a trip delay.
Emergency Preparation
Share your travel itinerary with a friend or relative. If travelling with children, teach them how to ask for help. Keep helpline numbers of the embassy, travel insurer, and local emergency contact handy for quick access.
Helpful Resources for Family Travellers
Visa Requirements
- Always check visa rules for each country you plan to visit.
- Some places offer a visa-on-arrival, while others require advance applications.
- Make sure all family members have valid passports with enough blank pages.
- Use official embassy websites or trusted visa services for updated information.
Country-Specific Travel Advisories
- Visit your destination country’s government website for travel advisories.
- These updates cover health alerts, weather warnings, and safety tips.
- They help you decide if it’s safe to travel and what precautions to take.
Packing Checklists
- Create a family-friendly packing list to avoid last-minute stress.
- Include essentials like medicines, documents, chargers, snacks, and kid-friendly items.
- Keep a printed copy of your checklist and tick items off as you pack.
Key Takeaways
Around 57% of Indian families plan their trips with their grandparents, parents, children, and extended relatives. Thus, family travel insurance is a necessity to ensure travel plans pan out smoothly.
IndusInd family travel insurance (formerly known as Reliance family travel insurance) offers a fast and affordable way to protect your family members while travelling at just ₹306*. You get coverage for flight cancellations, delays, lost luggage, medical emergencies overseas, trip extensions and more.
If you're travelling with your spouse or with children, we recommend getting a high sum insured family travel insurance plan rather than separate plans for each of you. That way, the coverage is high enough to cover all of you, and policy management and claims become easier for you as well.
With us, you can quickly submit travel claims through your phone on the IndusInd Insurance App and access 24/7 customer support through our helpline. We also offer guided assistance every step of the way to ensure a stress-free trip for your family. Get affordable family safety, one trip at a time!
Relevant Links for Travel Insurance
Travel Insurance for Top Destinations
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