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When you travel with your family, it’s not just about having fun. The most important thing is to keep everyone safe. Getting family travel insurance is a good idea since you can’t watch over them every second. It helps you and your family have a worry-free trip.
Check out our family travel insurance guide to learn why it is important, what it covers, and how to make a claim.
Family travel insurance is a plan that keeps your whole family safe while traveling.
Going on an adventure with your family is a real bonding experience. To enrich your journey, you can opt for Family Travel Insurance to ensure all members are covered, protected, and financially secure.
If this isn't ideal family trip planning, then what is?
To make this happen, Digit offers a travel insurance plan for your immediate family (spouse, children, mother, father, brother, sister, parent-in-law, daughter-in-law, son-in-law, grandparent, and grandchild). This plan provides coverage for each family member under one policy.
Your family's safety is your (and ours) utmost priority. A simple answer to why you should buy Travel Insurance for your family is to protect your loved ones against any uncertainties that might arise while on your trip. Going to a foreign destination to enjoy a beautiful vacation with your family is a unique opportunity. To make the most out of this, you can avail of family travel insurance and protect them with one policy.
Buying Travel Insurance for your family online is affordable and accessible. Within minutes, you can generate your quote and purchase your policy without hassle.
When planning your trip, you first consider the budget with your family. Hotels, flights, parks, and other recreational activities are essential costs that you will incur. In case these bookings bounce or if you suddenly decide to cancel an event or your trip after payment, travel insurance can ensure you get back your expenses in case the amounts paid are non-refundable through a bounced booking cover.
Delayed flights, missed connections, and carrier accidents can happen anytime. To be prepared for these unforeseen events, you should consider purchasing travel insurance.
You're traveling with your family, so you have more baggage than your hands can hold! Awareness of your surroundings and personal belongings on your trip is always important. Items like your bags, wallets, phones, passports, etc., are often stolen or misplaced.
If you are confused about what to do if your baggage is delayed or lost, or if you lose your passport, or if your personal belongings get stolen and you need some financial emergency cash, your travel insurance will provide that.
Even a slight change in weather might not affect you as much as it would your child. In this case, if required, medical treatment abroad can be costly. Travelers spend three to five times more on medical expenses internationally. Travel Insurance with medical covers (like ours) can act as a relief in such cases.
Tourist places are prone to scams, and con artists try to make the most of vulnerable tourists. When you visit a new location, you do not always know the ins and outs of the place. Travel Insurance comes into play in such circumstances.
This plan offers coverage for the most common mishaps that can be encountered on an international trip.
This plan not only covers you for the most common mishaps on your trip but also comes with an extra layer of protection that keeps you protected from each hiccup, so your trip goes just how it should!
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Medical Covers |
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Medical Treatment And Evacuation Exigencies If you fall ill during your trip and require medical treatment, resulting in hospitalization in order to save your life or to give you immediate relief from an acute pain, we will cover for the reasonable and customary charges you incur up to the Sum Insured as shown on your policy schedule for - Treatment, Associated Expenses, Medical Evacuation, Out Patient Cover (OPD), Repatriation. |
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Accidental Treatment And Evacuation Exigencies If you are accidentally injured during your trip and require medical treatment, resulting in hospitalisation in order to save life or to give you immediate relief from an acute pain, we will cover for the reasonable and customary charges you incur up to the Sum Insured as shown on your policy schedule for - Treatment, Associated Expenses, Medical Evacuation, Out Patient Cover (OPD), Repatriation. |
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Personal Accident We will pay you, up to the limits shown on your policy schedule, if you suffer an accidental bodily injury during your trip which requires urgent and immediate medical attention that leads solely, directly and independently to you Death, Permanent Total Disability, Permament Partial Disability. |
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Accidental Death And Disability Cover (Common Carrier) We will pay you, up to the limits shown on your policy schedule, if you suffer an accidental bodily injury during your trip while riding as a fare paying passenger in or on a common carrier or boarding or alighting from a common carrier which requires urgent and immediate medical attention that leads solely, directly and independently to your Death, Permanent Total Disability, Permanent Partial Disability. |
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Dental Treatment If you encounter acute pain or meet with an accidental injury to your natural teeth on the trip, resulting in dental treatment provided by a medical practitioner qualified in practicing dentistry and/or dental surgery amounts mentioned in the Policy Schedule, we will cover for the reasonable and customary charges you incur up to the limits shown on your policy schedule |
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Daily Cash Allowance If you are hospitalized in a hospital as an in-patient for more than the 24 hours due to an accidental injury or for an emergency medical treatment, we will pay you the daily benefit Upto a maximum number of days as stated in the policy schedule. This cover will be extended for a maximum of 5 days. |
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Sub-Limits* Sub limits are applicable for 'Medical Treatment And Evacuation Exigencies' and 'Accidental Treatment And Evacuation Exigencies' coverages as mentioned in the Policy Schedule. This means that if your claim amount for these coverages exceed the sub-limit mentioned in the Policy Schedule, you will be expected to pay the balance amount from your own pocket. This is only applicable for members above 55 years of age. Sub-Limits*
*These will be applicable for members above 55 years. |
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Maternity And Baby Cover We will cover Medical Expenses incurred in respect of the Insured Person for hospitalization for the delivery and vaccination of the newborn baby. |
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Waiver of PED |
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Smooth Transit Covers |
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Total Loss Of Checked-In Baggage If Your checked-in baggage is lost permanently at the final destination of your journey or en·route involving multi destination within the airport premises while in custody of common carrier, then We will pay the pro-rata Sum Insured as mentioned in the Policy Schedule against this Cover. |
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Delay Of Checked-In Baggage If your checked-in Baggage is temporarily lost during the trip and you are without it for more than the duration specified in the policy schedule from the expected time of delivery by the common carrier, we will pay the Sum Insured shown on your policy schedule for replacement of essential items. |
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Missed Connection We will pay for reasonable extra accommodation and travel costs you must pay to reach the next destination shown on your ticket/itinerary if, you missed a pre-booked onward connection as a direct result of the scheduled common carrier (on which you were booked to travel) not running on its published timetable due to reasons mentioned in policy wordings. |
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Trip Cancellation If the Insured Person’s outward journey as a fare paying passenger from the Country of Residence to an international Place of Destination on a Common Carrier is cancelled before the commencement of the Period of Insurance due to any of the reasons specified herein below, then the Company will indemnify on a reimbursement basis, up to the amount specified against this Benefit in the Policy Schedule, for planned travel and accommodation expenses (including excursions and planned events) that the Insured incurred and cannot recover and for which no value can be derived without knowledge of the likelihood of cancellation due to reasons mentioned in Policy Wordings. |
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Trip Abandonment If you have to unavoidably abandon your trip and return home early or partially abandon part of your scheduled trip, we will pay up to the limits shown on your schedule for
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Trip Extension We will reimburse you up to the Sum Insured shown in your schedule in the unexpected event of your departure being delayed than the original scheduled departure date of your return journey either at the port of destination or at any other intermediate ports forming part of the trip within the period of coverage for the below expenses:
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Common Carrier Delay We will pay the Sum Insured if your common carrier’s actual departure time is delayed by more than the time duration (as specified in Policy Schedule). It will be paid for each block of time excess as agreed upto the limit shown in Policy Schedule from the scheduled departure time, for any of the reasons in the Policy Schedule. |
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Hijack Distress Allowance We will pay you a distress allowance upto the limit shown in your Policy Schedule for each 24 consecutive hours period during which any Common Carrier in which You are traveling has been Hijacked, where as a direct consequence, your trip has been disrupted up to a maximum amount stated in the Policy Schedule. This need to confirmed and declared by government and or any respective common carrier authority. |
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Other Coverages |
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All Risk Cancellation Charges We will cover your non-refundable pre-paid or contracted to be paid portion of the booking amount up to the limits shown in your policy schedule; when you have to cancel the booked tickets in the unexpected or unforeseen event beyond your control. |
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Loss Of Passport, Driving License And Temporary Permit We will pay/reimburse the following expenses up to the limits shown on your policy schedule if your passport or visa or Valid Driving License or Temporary Permit is lost, stolen or damaged while you are outside of Country of Residence and this would prevent you from leaving the country or continuing your trip. |
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Bounced Booking for Accommodation
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Bounced Booking for Common Carrier If insured opt for this cover, we will reimburse you up to the Sum Insured shown in your policy schedule in the unexpected event of Common Carrier unable to honor your confirmed bookings (pre·paid or contracted to pay) due to overbooking or any other reason beyond your control for the following: The difference of cost of original common carrier fare amount and reasonable new common carrier fare amount of same class booking where the cost of booking is not more that 10% cost of original booking, less any refund/compensation given by the Common Carrier |
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Compassionate Visit We will reimburse the cost of visit of one of your Immediate family member/ Friend/Relative, to the city where you are hospitalized up to the limits shown in your policy schedule in the unexpected event of you being hospitalized within the period of coverage, for the below expenses:
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Loss Of Baggage And Personal Belongings We will Indemnify you for the loss or damage of baggage/personal belongings (whilst they are accompanying you) within the period of coverage due to Theft, larceny, robbery or hold up. The liability of the Company in any one Policy Period shall in no case exceed the Sum Insured or limit of liability as shown in the Schedule for any one loss subject to deductible and depreciation table and conditions mentioned in the policy wordings. |
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Personal Liability & Bail Bond We will indemnify you up to the limits shown in your policy schedule for: A) Any money that you legally have to pay to any third party in your private capacity that relates to an accident occurring during your trip anytime during the Policy Period for which claims shall be made on You by the third parties during Policy Period or within 60 days from the Policy Period end date, due to negligence on your part which causes:
B) We will also pay legal costs and expenses incurred by you in relation to the accident. You must obtain our consent in writing before incurring any cost or expense C) Any Bail bond you may have to furnish in the court of law for your immediate release before the hearing date |
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Home Building And Contents We will reimburse up to the Sum Insured shown in your Policy Schedule for the actual loss/and or damage to the building and/or Contents of Your residence located at the address mentioned in the Policy Schedule or reinstate or replace such property or any part thereof within the period of coverage, for the reasons listed in the policy wordings. |
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Emergency Cash Assistance Service In this cover We will only provide an assistance service when You require emergency cash flow following incidents like theft/burglary of luggage/money or hold up. We ourselves or through our Claims Administrator shall co·ordinate with Your relatives in your Country of Residence to provide emergency cash to You or collect the amount & arrange for the transfers up to the limit specified in the Policy Schedule. |
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Financial Emergency Cash If you have suffered a financial emergency due to the theft, pilferage, robbery or dacoity of your Money in your personal custody whilst on a trip and are consequently left without any travel funds (including cash, travellers cheque, debit or credit card), then we will pay up to the amount stated in the Policy Schedule to replace the amount of travel funds lost, provided that the loss is reported to the police of the foreign country within 24 hours of loss and a written police report confirming the occurrence of loss and same has been submitted to Us. |
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Golfer’s Hole In One Subject to all other terms and conditions, it is hereby agreed that the insurer shall pay the Sum Insured shown in the Policy Schedule for celebration of achieving a hole·in·one in a United States Golfers’ Association (USGA) recognized golf course, anywhere in the world excluding India. |
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Fraudulent Charges Cover During the trip, if your payment card as specified in the policy schedule is lost or stolen, We will reimburse the unauthorized charges that you are responsible for on your lost or stolen payment card, up to 12 hours prior to your first reporting the event to your payment card issuer(s). |
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Extended Pet Stay We will reimburse you against expenses incurred for extended stay of Your pet in the pet house in Country of Residence as a result of Your final booked return journey to Country of Residence is delayed for more than 24 hrs due to reasons listed in Policy Wordings. |
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Hazardous or Adventure Sports By selecting this Cover, participation in Hazardous Activities will be included in the cover that you have opted for (all or any of the following), provided you participate in a non·professional capacity and under the supervision of a trained professional:
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Escort Of Minor Child We will reimburse the following expenses arising out of visit of one of your immediate family member/Relative/Friend to escort any accompanying minor child (maximum two), to the city where you are hospitalized up to the limits shown in your policy schedule in the unexpected event of you being hospitalized within the period of coverage, for the below expenses:
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Upgradation To Business Class We will reimburse, up to the sum insured mentioned in the Policy Schedule, the reasonable expenses incurred in respect of the Insured Person’s upgradation to a business class air ticket by the most direct route from the place of hospitalization of the Insured Person to the Country of Residence. |
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Study Interruption We will reimburse you up to the Sum Insured shown in your policy schedule in the unexpected event of discontinuance of your planned studies for the remaining part of the ongoing semester within the period of coverage for the below expenses:
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Accident Of The Sponsor We will cover you up to the limits shown in your policy schedule in the unexpected event of your sponsor (as named in policy schedule) meeting with an accident resulting in his/her death or permanent total disablement during planned studies for the remaining part of the enrolled full-time course within the period of coverage for the below expenses:
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Inter-Collegiate Sports Cover In this cover we will extend the coverage provide under Sections “Section 1 - Medical Treatment and Evacuation Exigencies” or ‘Section 2 - Accidental Treatment and Evacuation Exigencies” to include Intercollegiate sports injury, sustained during the Policy Period. |
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Home to Home Cover |
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Hazardous or Adventure Sports |
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Coverage at Home Country |
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Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverages as per your requirement. Please call us at 1800-258-5956 in case you want to opt for any other coverages or wish to know further details.
While ours is a comprehensive travel insurance that covers most things that could go wrong on vacation, we are completely open in all that we do. Understanding what your travel insurance does not cover is just as critical as knowing what is covered. The following are some exclusions that our travel insurance will not cover:
Family travel insurance provides many benefits at a low cost. If planning a trip with your family, consider getting travel insurance to make your journey worry-free. Here are some advantages of family travel insurance:
Family travel insurance helps with many problems, such as trip cancellations, medical emergencies, luggage delay, passport loss and flight delays. It keeps your family safe from unexpected issues.
It’s often cheaper to buy one policy for the whole family than separate ones for each person. Some plans even cover kids for free if they travel with their parents.
If someone in your family gets sick or hurt during the trip, the insurance can pay for medical costs, including hospital stays and emergency evacuations. This is very important when traveling abroad, where healthcare can be expensive.
If you need to cancel or cut short your trip due to unexpected events like illness or natural disasters, the insurance can refund your non-refundable expenses.
The insurance can pay you back for lost, stolen, or delayed luggage, so you have what you need while waiting for your bags.
Many plans offer 24/7 help for emergencies, travel advice, rebooking flights, and finding medical care.
Knowing you have protection lets you enjoy your journey without worrying about what might go wrong.
Digit's Travel Insurance covers individuals up to the age of 99 years. When purchasing travel insurance for your family, the members covered by one policy include the insured's immediate family. They are:
On the Digit app or website, select the geography/country, number of travellers and date of birth, and click ‘View Prices.’
Select the plan, sum insured, and click ‘Continue.’
Next, fill in your personal and nominee details, complete health declaration, click ‘Pay Now’ and complete the payment.
You’re done! The policy document will be sent to you via email, SMS, and WhatsApp. You can also access it 24/7 on the Digit App.
Whether you are travelling to Schengen countries, going on a South African, visiting Dubai, Saudi Arabia, Thailand, Singapore, or any country we cover worldwide, buying travel insurance online will only add more security to your trip.
Some of the features of Digit’s travel insurance plan for your family are mentioned below:
After you buy our international travel insurance plan, you live tension free as we have a 3-step, completely digital claims process!
Give us a missed call & we’ll call back in 10 minutes.
Upload the required documents & your bank account details, on the link sent.
We’ll take care of the rest!
When we say we’re making insurance simple, we truly mean it! We understand the kind of time and money you’ve already probably spent on your journey. That’s why we’ve kept all our processes super simple, paperless and quick!
Missed Call Facility: We understand that calling from an international destination is not always possible. That’s why we've introduced a Missed Call Facility. All you need to do is leave us a missed call and we’ll call you back within just 10 minutes! However, please ensure you call from a mobile no. and not a landline. You can also mail us at travelclaims@godigit.com
Get a reminder for claims when your flight is delayed: Our claim process for flight delays is advanced. If your flight is delayed for more than 6 hours, you’ll automatically receive an SMS from us. All you need to do is send us a picture of your boarding pass and bank details, and you’ll receive your monetary compensation in a jiffy!
No hard copies needed: We believe in keeping everything digital. That’s why, there’s no need for hardcopy for proofs. A simple upload works for us!
For any other assistance: Before you begin your journey, feel free to call us at 1800-258-5956 or email us at hello@godigit.com and we’ll always be here for you.
Choosing the right Travel Insurance plan for your family is essential because you need to minimise the expense of risk when you are going abroad with your family. Many travel insurance plans are available in the market offering similar benefits. But a well-informed traveller will take time to understand the ins and outs of their insurance plan investments to get the most out of it.
Some key factors you must look into when buying travel insurance for your trip are:
When looking for a suitable travel insurance policy, ensure that the coverages offered by your insurance provider cater to your needs. E.g., If you or your family members are sports junkies, then get a plan with adventure sports coverage. Or, if you are a large group and your baggage is getting out of hand (pun intended), then a cover for loss, misplaced, or delayed baggage will prove beneficial.
There are situations where your travel insurance cannot provide financial aid if you file a claim. To know how to avoid travel insurance claim rejection, you must be educated about your policy's exclusions. For e.g., Pre-existing diseases might not be covered by most insurance providers, trip cancellations due to rejection of visa are not covered, acts of war are not covered, etc.
When looking at various plans online or through an agent, you must compare travel insurance plans for the amount you are investing basis the coverages you can avail. Ensure that you get adequate benefits for the price you pay.
The number of days you travel affects the cost of your insurance. For example, if you travel for 15 days, compare different policies to find the one with the lowest premium.
The kind of trip you’re taking also impacts the premium. Whether it’s a business trip, vacation, or adventure travel, look for policies that suit your specific type of trip.
Where you’re travelling to matters, too. Different places have different insurance rates. Compare policies based on your travel destination to find the best deal
Taking a family vacation is a beautiful and wholesome experience to share with your loved ones. We have curated an international travel guide checklist just for you so you do not miss out on anything before you take off.
When travelling to a new destination with your family, you must be aware of the destination you are travelling to. Make sure that the destination wants you there as well. Always abide by governmental laws and respect the country's culture and traditions. Spend enough time researching that place to ensure you stay out of maximum risk.
Booking a hotel or room to stay in must be done with precaution. Make sure that the place you are going to is well-reviewed, accessible, and safe for your family. Book your tickets well in advance to avoid bounced bookings, delays, or hassle. Contact the hotel to inquire about security measures and nearby places.
Always ensure that you have your identification details on you. Carry copies of passports, tickets, and IDs if you are asked to provide proof. Please keep your original documents safe to avoid theft or misplacing them at the last moment.
Phone chargers, batteries, first aid kits, water, and other essentials you know you will require must be in your person. You would not want to get lost in a new location, so ensure your smartphones have enough battery charge and you are also in contact with other family members.
Lastly, buy your family travel insurance plan and carefully review your document. When visiting certain countries, it is mandatory to have valid travel insurance. So, owning family travel insurance is essential and beneficial in sudden emergencies.
When choosing the best insurance for your family, consider the exclusions (what’s not covered), the claim settlement ratio (how often claims are paid), the claim processing time (how quickly claims are handled), the coverages offered (what’s included in the policy), and the premium price (cost of the policy).
Family travel insurance is like a safety net for your trips. It protects you and your loved ones from unexpected problems, such as medical emergencies, trip cancellations, or lost luggage. This way, you can enjoy your travels with peace of mind, knowing you’re covered if something goes wrong.
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Disclaimer -
Your policy is subjected to terms and conditions mentioned in your policy schedule and policy wording. Please go through the documents carefully.
The information mentioned here about the countries, visa fees and others is taken from different sources. Digit Insurance is not promoting or recommending anything here. Please verify the same before you book your tickets, apply for a visa, buy a travel policy or make any other decision.
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