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Family Travel Insurance
Family Travel Insurance protects your whole family under one plan which covers medical emergencies, trip disruptions, lost documents, and baggage issues across 150+ countries. It’s cost-efficient, easy to buy, and comes with 24x7 global assistance and smartphone-enabled claims.
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Ideal for families travelling with kids, seniors, or on multi‑country trips who want a safer, smoother holiday.
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What is Family Travel Insurance?
Family travel insurance is a plan that covers your entire family under one policy, helping keep everyone safe and financially protected while travelling.
Travelling together is a meaningful bonding experience, and having a single plan ensures that each member is covered throughout the journey. It also removes the hassle of managing multiple policies by including your immediate and extended family members in one place.
Digit offers this convenience by allowing you to insure your spouse, children, parents, siblings, and in-laws under a single policy designed for family travel.
Why Should You Buy Travel Insurance for Your Family?
Your family’s safety is a priority, and travel insurance helps protect your loved ones from unexpected situations during your trip. With international travel insurance, you can cover your entire family under one policy and buy it online quickly and easily.
- Booking Costs: 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.
- Flight-Related Issues: Delayed flights, missed connections, and carrier accidents can happen anytime. To be prepared for these unforeseen events, you should consider purchasing travel insurance.
- Personal Belongings Loss: 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. - Medical Costs: 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.
- Travel Scams: 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.
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Who is Covered Under a Family Travel Insurance Plan?
A family travel insurance plan covers all key members travelling together under one policy. This typically includes you, your spouse, dependent children (usually up to 18 years, depending on the policy), and parents or in-laws. Coverage eligibility can vary by insurer. With Digit, you can include up to 10 family members under a single policy, subject to age limits and underwriting guidelines.
Key Features of Family Travel Insurance by Digit
Whether you are travelling to Schengen countries, the USA, the Middle East, or Southeast Asia, buying travel insurance online simply adds an extra layer of security to your trip.
Some of the features of Digit’s travel insurance plan for your family are mentioned below:
Family Travel Insurance Plans by Digit
Digit offers two comprehensive international travel insurance plans—Smart and Smart 360. These plans are designed for families with varying trip types, budgets, and risk levels. Compare the options below to find the plan that best fits your family’s travel style and destination.
| 1. Medical & Emergency Coverage | ||
| Coverage | Smart | Smart 360 |
| Medical Treatment and Evacuation | $50K–$500K | $50K–$500K |
| Pre-existing Disease (PED) | — | $5K–$10K |
| Room Rent Limit | $1K–$2K | $1K–$2K |
| Accidental Treatment and Evacuation | $50K–$500K | $50K–$500K |
| Dental Treatment | $300–$500 | $300–$500 |
| 2. Accident & Risk Covers | ||
| Coverage | Smart | Smart 360 |
| Personal Accident | — | $10K |
| Accidental Death and Disability Cover (Common Carrier) | — | $5K |
| Home-to-Home Cover | — | Covered |
| Hijack Distress Allowance | $100/day | $100/day |
| 3. Baggage & Documents | ||
| Coverage | Smart | Smart 360 |
| Checked-In Baggage Delay | $100 | $100 |
| Total Checked-In Baggage Loss | $500–$1K | $500–$750 |
| Passport / Document Loss | $250 | $300 |
| 4. Trip Protection | ||
| Coverage | Smart | Smart 360 |
| Trip Cancellation | — | $500–$750 |
| Trip Abandonment | — | $500–$750 |
| Trip Extension | $500 | $500–$1K |
| Escort of Minor | — | — |
| 5. Travel Delays & Transit | ||
| Coverage | Smart | Smart 360 |
| Common Carrier Delay | $25/4h (max $100) | Same |
| Missed Connection | — | $300–$1K |
| 6. Liability & Legal | ||
| Coverage | Smart | Smart 360 |
| Personal Liability & Bail Bond | — | $100K–$250K |
| 7. Emergency, Cash & Daily Benefits | ||
| Coverage | Smart | Smart 360 |
| Daily Cash Allowance (Max 5 days) | — | $50–$150/day |
| Emergency Cash Assistance | $500 | $500–$1.5K |
| 8. Property & Booking Protection | ||
| Coverage | Smart | Smart 360 |
| Bounced Booking (Flight/Hotel) | — | $500–$1K |
| Home Building / Contents | — | ₹1L–₹2L |
| 9. Travel Events & Specialty Covers | ||
| Coverage | Smart | Smart 360 |
| Cruise Evacuation | — | — |
| Missed Cruise | — | — |
| Adventure Sports (Activation) | — | — |
| Golfer’s Benefit | — | $300–$1K |
| 10. Worldwide Assistance | ||
| Coverage | Smart | Smart 360 |
| 24x7 Travel Assistance | ✔ | ✔ |
Note: Coverage option suggested above is only indicative and is based on market study and experience. You may opt for any additional coverage as per your requirements. Please call us at 1800-258-5956 in case you want to opt for any other coverage or wish to know further details.
What's not Covered?
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:
- Any pre-existing medical conditions, including whether your doctor had advised against travelling, are not covered. Trip abandonment due to such health issues or cancellations because of visa rejection isn’t covered either.
- Death or disability won’t be covered if it happens more than 365 days after the accident that caused it.
- Adventure sports are covered only if done for a single day. Multi-day treks, hikes, or professional-level activities are not included.
- Flight delays are not covered if your airline informed you at least 6 hours in advance. Similarly, luggage delays caused by customs aren’t covered.
- Missed connections aren’t covered if the time between flights was shorter than the minimum required connection time.
- Theft claims are invalid if not reported to local police within 24 hours or if reported only after returning from your trip.
- Trip extensions due to childbirth or related reasons are also not covered.
- Trip abandonments due to pre-existing illnesses or health conditions can’t be covered.
- Trip cancellations due to the rejection of visa are not covered.
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How to Choose the Right Travel Insurance Plan for Your Family?
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:
What is the Difference Between Family vs Individual Travel Insurance?
Choosing between a family and individual travel insurance plan depends on how you’re travelling. If all members are travelling together on the same itinerary, a family plan is usually more convenient and cost-efficient. However, if travel dates or destinations differ, individual plans offer more flexibility.
Here’s a side-by-side comparison to help you decide:
| Factor | Family Travel Insurance | Individual Travel Insurance |
| Who It Covers | Covers multiple family members under one policy | Covers one person per policy |
| Cost | Usually more cost-efficient for groups | Higher total cost if covering multiple people separately |
| Policy Management | One policy, one renewal, one claim journey | Multiple policies to manage for each traveller |
| Flexibility | All members must travel together on the same itinerary | Each traveller can have different travel dates and destinations |
| Coverage Structure | Similar coverage levels for all members | Customised coverage based on individual needs |
| Best For | Families travelling together for vacations, holidays, or multi-country trips | Solo travellers, business travellers, or family members travelling separately |
| Customisation | Limited customisation per individual | High customisation (sum insured, add-ons, coverage) |
| Claims & Assistance | Single point of contact for the entire family | Each member handles claims individually |
What our Travel Product Expert has to say about How Travel Insurance Provides Financial Protection Against Trip Disruptions
Investing in travel insurance is a prudent financial decision. It safeguards against unforeseen expenses arising from trip cancellations, delays, or interruptions, allowing travellers to manage their budgets effectively and avoid unexpected financial burdens.
Vivek Chaturvedi
CMO Digit Insurance
How Does Travel Insurance Help Families in Real International Travel Situations?
When families travel together, even a small disruption can affect multiple people at once. These real-world travel situations show how insurance helps families manage both medical and trip-related issues abroad.
Your Child Falls Sick on Day 2 of Your Europe Trip
You land in Paris, and within two days, your child develops a high fever due to weather and food changes. You’re in a new country, unsure where to go, and private hospitals are expensive. Travel insurance helps you access a nearby doctor, covers consultation and treatment costs, and guides you through the process so care isn’t delayed.
Your Connecting Flight Gets Delayed, Leaving Your Family Stranded Overnight
While flying to London, your connecting flight from Dubai is delayed by several hours. With kids and luggage, you’re stuck at the airport late at night. Insurance provides automatic delay compensation, helping cover meals, basic expenses, and short-term inconvenience.
Your Family’s Luggage Doesn’t Arrive at Your Destination
You arrive in Singapore, but none of your checked-in bags show up. Clothes, kids’ essentials, and travel items are all missing. Insurance reimburses essential purchases like clothes, toiletries, and basic items, so your trip continues without disruption.
One Parent Loses Their Passport During the Trip
While sightseeing in Rome, one parent misplaces their passport. The entire itinerary is now at risk, and you’re unsure where to start. Insurance supports you with documentation assistance and related expenses, helping you get a replacement and resume your travel plans faster.
A Senior Family Member Needs Urgent Hospitalisation Abroad
During a family trip to the US, an elderly parent experiences chest discomfort and needs immediate hospital care. Treatment costs are significantly high. Insurance covers hospitalisation and emergency evacuation if required, preventing a major financial burden.
What are the Eligibility Criteria for Travel Insurance Family Plans?
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:
| Family Members | |||
| Spouse | Father | Parent-in-law | Grandparent |
| Children | Brother | Daughter-in-law | Grandchild |
| Mother | Sister | Son-in-law | |
How Much Does Family Travel Insurance Cost?
Family travel insurance costs depend on factors like the number of travellers, their ages, destination, trip duration, and the coverage level you choose. While exact premiums vary, the estimates below give a realistic idea of what families in India typically pay for international trips.
Here’s an indicative cost of best single trip family travel insurance:
| Trip Type | Destination | Duration | Recommended Coverage (for 3–5 members family) | Estimated Premium (₹) |
| Budget Short Trip | Asia / Middle East | 3–7 days | USD 50K – 100K | ₹1,500 – ₹4,000 |
| Mid-Range Vacation | Europe / UK (Schengen) | 7–10 days | USD 100K – 250K | ₹5,000 – ₹12,000 |
| Long-Haul Trip | USA / Canada | 7–14 days | USD 250K – 500K | ₹10,000 – ₹20,000 |
| Premium / Multi-Country Trip | Europe + other regions | 10–20 days | USD 500K – 1M | ₹15,000 – ₹30,000+ |
Note: The above prices are indicative and meant for general guidance only.
How to Buy International Travel Insurance with Digit?
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!
How to File a Travel Insurance Claim with Digit?
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!
What Our Customers Have to Say about Us
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Tips to Enjoy a Safe Family Vacation
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.
- Know Your Location: 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.
- Choose Safe Accommodations: 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.
- Backup Important Documents: 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.
- Do Not Forget Your Essentials: 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.
- Get Travel Insurance for Family: 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.
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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.
FAQs about Travel Insurance for Family Travel Insurance
How many family members can be covered under one plan?
You can cover up to 10 travellers under one Digit International Travel Insurance plan, as long as each member is within the eligible age criteria.
What is family floater travel insurance?
A family floater plan is one single travel insurance policy that covers all your family members together, so you pay one premium for collective coverage during the trip.
Who is eligible to be included in a family travel insurance plan?
Eligibility usually includes you, your spouse, dependent children, and sometimes parents, depending on the age limits and policy rules.
What details do I need to provide when buying a family travel insurance plan?
You must provide names, ages, destination, travel dates, KYC, contact details, and basic health disclosures for every family member.
Can I cancel my family travel insurance policy?
Yes. You can cancel within the 15‑day free‑look period (before the trip starts and if no claim is made) for a refund as per policy terms.
Can family travel insurance cover senior members above 70?
Coverage for travellers above 70 years depends on the plan. Many family plans have age caps, so check eligibility before purchasing.
Can I extend my family travel insurance if we decide to stay longer?
Yes, you can extend your Digit travel insurance while abroad, subject to policy terms and approval.
Are pre-existing diseases covered under Digit family travel insurance?
Pre-existing illnesses are not covered. Conditions advised against travel by a doctor before the trip are also excluded.
What should I do if I lose my passport during the trip?
Digit covers expenses to get a temporary or replacement passport, and you can call the 24x7 travel assistance helpline for support.
What happens if my claim is rejected?
Check the rejection reason shared with you, submit any missing documents, and you may file an appeal if you believe the decision needs review.
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I'm leading the Travel LOB and Motor (Online Partnerships) at Digit Insurance. I work closely with the underwriting, claims, actuarial, compliance, product, and tech teams to keep our travel products top-notch and running smoothly. I'm all about innovation and constantly tweaking our products and processes to keep up with the times. My goal is to make things more efficient and deliver awesome value to our customers.