Insurance

Best Travel Insurance For Families

Travelling together as a family? Find out which is the best family plan for travel insurance. Updated 13 April 2020.

  • Phuan Wei Ning
  • |
  • Published on 26 Jul 2019

Updated 13 April 2020

What is a family travel insurance?

A family travel insurance typically offers coverage for up to 2 adults and a specified number of children under the same plan. The children insured must either be under the age of 21 or up to the age of 25 if they are studying full time at a recognized institute. Purchasing a family travel insurance is usually cheaper than buying separate single plans for each family member.

(See "4 Affordable Holidays For The Extra-Long Weekend In August")

#1 FWD Travel Insurance

Pros

  • Affordable premiums
  • Family plan includes coverage for up to 2 adults and 10 children
  • Fixed premiums regardless of number of adults or children covered
  • High personal accident coverage
  • Unlimited medical evacuation or repatriation cover for all ages
  • Full terrorism coverage
  • Haze delay coverage
  • High trip cancellation and curtailment benefit
  • Submit your claim through the FWD Flyer app for fuss-free and cashless claims. Payment can be received via PayNow
  • Cons

  • Overall family coverage limit on certain categories for family plans
  • Promotion: Enjoy preferential rates for your single and annual plans with promo code "IFAST".


    Low cost, high coverage, FWD offers good value for travel insurance family plans. Cover up to 10 children with premiums fixed regardless of the number of adults or children covered.

    *Information is accurate as of 13 April 2020 with changes subjected to the insurer's discretion.

    With premiums for a family plan fixed regardless of the number of adults or children covered, FWD is our top pick for family travel insurance. Affordably priced and with high coverage benefits, FWD family travel insurance includes unlimited emergency medical evacuation and full terrorism cover for all ages.

    As family holidays can be an expensive affair, FWD’s family travel insurance reassures by offering a high coverage for trip cancellation or travel curtailment due to insured events. This ensures that parents can travel with a peace of mind knowing that they would not have to bear the costs should travel plans be disrupted due to these unpredictable events. High personal accident coverage and post-trip medical coverage is also included thus ensuring comprehensive coverage for your family.

    Prices for a family's 7 day trip

    ASEAN
    Asia (including Australia and New Zealand)
    Worldwide excluding USA
    Worldwide
    Executive
    $57.25
    $61.83
    $93.89
    $96.18
    Business
    $77.86
    $96.18
    $121.37
    $123.66
    First
    $100.76
    $121.37
    $151.14
    $167.17

    *Note: Prices are calculated based on 2 adults and 2 children with prices shown before discounts. Information is accurate as of 13 April 2020 with changes subjected to the insurer's discretion.

    With a family plan for a week of ASEAN travel starting at just $57 before discounts, FWD offers great value for their travel insurance plans and thus wins our votes as the number 1 travel insurance for families. To purchase FWD family travel insurance, click on the button below.

    Get Travel Insurance Quote >


    #2 Sompo Travel Joy

    Pros

  • Tailored plan for Japan travel (GO Japan!)
  • High insolvency protection
  • Emergency evacuation or repatriation includes pre-existing medical conditions and pregnancy-related complications for TravelJoy Deluxe, Elite and GO Japan!
  • The 2 adults travelling together need not be related to purchase a single trip family plan
  • Children enjoy same coverage limits as adults for medical expenses (subject to the overall family limit)
  • Cons

  • Overall family coverage limit on certain categories for family plans
  • Slightly lower overall family plans on trip cancellation and curtailment
  • TravelJoy Vital does not include terrorism cover
  • Tailored for Japan travel, enjoy cashless services and translation services with GO Japan! This is suitable for families travelling to Japan who are worried about potential language barriers in the event of an emergency.

    With GO Japan! designed for travel to Japan, enjoy a peace of mind knowing that language barrier will not be an issue in the event of an emergency. Enjoy cashless services at 740 clinics and hospitals in Japan and free translation service with GO Japan!

    While Vital plans do not cover for terrorism and have low coverage amounts for emergency medical evacuation, Deluxe, Elite and GO Japan! plans include pre-existing medical conditions and pregnancy-related complications under the emergency medical evacuation benefit. Additionally, children and adults enjoy the same coverage limits under the family plan for TravelJoy. However, do note that this is still subjected to the overall limit for family plans.

    Get Travel Insurance Quote >


    #3 Etiqa ePROTECT travel

    Pros

  • No overall coverage limit for family plans
  • Fixed premiums regardless of number of adults or children covered
  • For single trip plans, the 2 adults travelling together need not be related to purchase a family plan
  • Automated flight delay benefit starts after 3 consecutive hours of delay
  • Cashless and fuss-free claims with payment done via PayNow
  • Cons

  • Low terrorism cover for child
  • Slightly lower coverage for loss or damage to personal belongings
  • Automated flight monitoring system allows for hassle-free flight delay claims after 3 hours of consecutive delay.

    ePROTECT travels' travel delay benefit starts after a 3 hour consecutive delay with their automated flight tracking system allowing for real-time updates on your flight delays and claims.

    Moreover, with no overall family coverage limit imposed, this allows all adults and children travelling to be entitled to the full coverage limit. Lastly, as the 2 adults travelling together need not be related to purchase a family plan, this allows for flexibility when purchasing the family plan.


    Get Travel Insurance Quote >

    For specific insurance enquiries, you can contact us here.


    Available Products on FSMOne Insurance

    Term Life, Whole Life, Critical Illness, Annuity, Health, Endowment


    from Etiqa Insurance, Manulife, NTUC Income and Tokio Marine Life Insurance


    *Please check with our advisory team if the product you want is available on FSMOne Insurance


    Interested to learn more? Check out these articles:

    The Ultimate Travel Insurance Guide (2019 Edition)

    All About Term Insurance 2019

    3 Reasons An International Health Plan Is For You

    Best Car Insurance Singapore

    What Happens If I Don’t Have Long-term Care Insurance?

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