What is family travel insurance?

Family travel insurance is an insurance package offered to families going in trips abroad or in the Philippines. In other words, one plan is offered per family, regardless of whether the insurance plan is for single trips or for yearly coverage spanning multiple trips. This kind of plan is understandably pricier compared to solo travel insurance, because more people are covered.

To make the most of the pricier family travel insurance option, the family that will be covered this kind of travel insurance should be aware of the fine print, especially since different amounts of maximum coverage are slated for the adults and the children in the family. The allotment for children is usually less than that for adults, because children are more prone to risks.

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Which insurance companies offer family travel insurance?

Among all the insurance companies that you can compare with GoBear, only one company offers the family travel insurance option: Pioneer Insurance. This company has two such plans, differentiated by the area of coverage. GoBear calculated what you can get and how much you will spend for family travel insurance plans from Pioneer Insurance if you get insurance for a four-day trip for four, with mom, dad, and two kids below 18 years old.


Pioneer Insurance (Travel Light - Schengen Plan)

The Travel Light - Schengen Plan from Pioneer Insurance is a family travel insurance plan specialized for trips to most European countries, especially those within the Schengen area, where insurance coverage requirements are more stringent. This plan is suitable for your trips to Paris (Eiffel Tower for the couple, Paris Disneyland for the kids), Rome, or Amsterdam. For a four-day trip, the plan costs ₱2,538.

This family travel insurance plan from Pioneer Insurance offers up to ₱1.175 million of personal accident coverage for each of mom and dad, and ₱235,000 of coverage per child. In addition, the plan provides coverage of up to ₱2.35 million for medical expenses, and up to ₱470,000 for personal liability, in addition to various compensation allotted for travel inconvenience scenarios (such as ₱9,400 for loss of baggage, ₱23,500 for loss of personal money, and ₱47,000 for trip cancellation).


Pioneer Insurance (Travel Light – Worldwide Plan)

The Travel Light - Worldwide Plan from Pioneer Insurance is a family travel insurance plan specialized for trips anywhere in the world, whether it be as near as Hong Kong or as far as the USA, both of which are places with Disneyland. For a four-day trip, the plan costs ₱3,666.

This family travel insurance plan from Pioneer Insurance offers up to ₱1.175 million of personal accident coverage for each of mom and dad, and ₱235,000 of coverage per child. In addition, the plan provides coverage of up to ₱2.35 million for medical expenses, and up to ₱1,565,100 for personal liability, in addition to various compensation allotted for travel inconvenience scenarios (such as ₱58,775 for loss of baggage, ₱19,505 for loss of personal money, and ₱117,500 for trip cancellation).


Need access to family travel insurance anywhere in the world? Compare travel insurance with GoBear Philippines and find out which plan is best for your family getaway.

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