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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 travelling.
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.
Let's look at some reasons why you should purchase travel insurance for your family:
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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:
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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:
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Vivek Chaturvedi
CMO Digit Insurance
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:
Enter Your Trip Details
Hop onto the Digit app or website, select your destination, number of travellers, and date of birth. Then, hit ‘View Prices’.
Choose Your Plan
Now, you can view the plans, select the one that is perfect for you, set your sum insured, and click ‘Continue.’
Fill, Confirm & Pay
Next, fill in your personal and nominee details, complete the health declaration, click ‘Pay Now’ and complete the payment.
Done & Delivered!
That’s it! Your policy arrives via email, SMS, and WhatsApp. Need it later? It’s always 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!
Step 1
Give us a call at 1800-258-5956 (if in India) or drop a missed call at +91-7799022308 & we’ll call back in 10 mins.
Step 2
Upload the required documents & your bank account details, on the link sent.
Step 3
We’ll take care of the rest!
When it came to travel insurance specifically, Digit showcased a high-efficiency Claims Settlement Ratio (CSR), with 100% of travel claims settled seamlessly and we make this simple with,
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!
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What started as an adventurous bike ride in Bali turned into a medical emergency for 27-year-old Guneet Kaur Dang. A serious fall led to a fractured femur, requiring urgent surgery and hospitalisation.
Fortunately, Guneet was covered under our Digit Travel Insurance, which included emergency accidental treatment and evacuation.
We stepped in fast and settled the claim of ₹11.51 lakh, ensuring she received timely care without any financial burden. This stands as our highest-ever travel insurance payout, proving once again that when things go wrong abroad, we step in fast and we step in big.
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:
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.
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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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