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Travel insurance coverage for family trips

Bringing the kids? Cover them all with one travel insurance plan for Canadians

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At a glance

  • Choose your level of coverage: World Nomads offers four travel insurance plans. Plans range from standard to higher-limit protections. 
  • One plan. Up to seven kids: With World Nomads, you may be able to cover up to seven of your dependent children under one plan – if you’re adventurous enough to bring them all. 
  • Medical, trips and luggage covered: Policies for Canadians include protection for medical emergencies, trip interruptions and lost luggage. 

Taking the kids along this time? We love seeing young travellers discover the world. Travelling with kids is full of adventure – and a few inevitable squabbles along the way. But when children are part of the journey, even minor travel disruptions can feel significant. Family travel insurance may help you manage those unexpected moments and keep your trip on track. Travel insurance for families may help cover medical emergencies, trip interruptions, or other unexpected events that can disrupt your journey.

What may be covered on a family trip 

What may not be covered? 

  • Non-emergency treatment that can wait until you return home  
  • Stolen, lost or damaged personal belongings that were left unattended. 
  • Pre-existing conditions exclusions apply to medical conditions and/or symptoms that existed prior to your policy start date.  
  • Participation in a sport or activity not listed in the covered activities list.  

Important to know  

World Nomads Travel Insurance can cover your family travels within Canada or abroad. Wherever you’re travelling to, you will still need to have Government Health Insurance Plan coverage in your home province while you are on your trip. If you don’t, your total limit for all emergency medical expenses during your trip is CAD $40,000 per person.   

What happens if you or your travel companion becomes ill or injured while on a trip with the kids?  

World Nomads family travel insurance plans may cover the transport of your minor children back home, accompanied by an attendant if necessary. With travel insurance for kids and parents, you can focus on making memories, knowing your family may be protected if things don’t go as planned. 

Who is covered under a family travel insurance policy? 

When you buy a family travel insurance plan, coverage may extend to: 

  • Parents or legal guardians travelling with their dependent children (under 21 years of age or up to 25 years of age if they are full-time students). 
  • Families who live in the same province and are Canadian residents 
  • Your dependent natural, adopted, step or foster children. 
  • Trips where at least one adult is the legal guardian of the dependent children. 
  • Up to seven dependent children included on a single-family travel insurance plan –for the same price  

If your kids don’t meet the above requirements, you can purchase single plans for each one. When you get a quote, be sure to list all dependents who will be travelling with you on the plan to ensure coverage for your whole family. 

How can World Nomads Travel Insurance cover me and my family? 

World Nomads offers simple and flexible travel insurance plans, designed for travellers by travellers, to help you travel confidently on your next family vacation. Our four plans offer differing levels of coverage, so it’s important you compare plans and pick the best one for your trip.

Are dependents covered up to the same policy limits? 

Yes; as long as you’ve added them to your policy when purchasing, your kids are covered up to the same limits even though they are travelling as dependents. The benefit limits shown on the family plan are the maximum amount payable per person. 

Top safety tips we recommend for your family trip 

  • Have a ‘who to contact first’ plan. Write down your hotel number, your emergency contact back home, local emergency number, and your travel insurance emergency line and plan number.Keep it on paper and in your phone in case batteries run low. 
  • Set a family meeting point. For each place you visit (such as an airport, museum, beach, etc.) choose a specific spot if someone becomes separated.Make it precise, like ‘under the main departures board', not ‘near security’. 
  • Share live location: Use Find My iPhone, WhatsApp, Google Location Sharing, etc. to keep track of every family member in real time. Turn on battery-saver mode during long days out. If your child is too young for a mobile phone, consider putting an AirTag on their shoe or backpack. 
  • Separate important cards and cash. Don’t keep all bank cards, cash and passports in the same bag.Each adult (or responsible teen) carries one payment card and a copy of their ID. 
  • Create digital backups of documents like your passports, visas, travel insurance details and prescriptions. Save them in a password-protected cloud folder. 
  • Check with the Public Health Agency of Canada to see if they have issued any travel health notices for your family trip destination. 
  • Register with  Canadians Abroad to stay updated on emergency situations. 

FAQ

Here are our most frequently asked questions about cover for family travel insurance. You can also find the answers to other questions in our Help Center or you can ask the customer service team.

  • Can I buy a family travel insurance plan if we're already on our trip?
    Yes, you may be able to buy family travel insurance after your trip has started. If you’re already travelling and realise you need coverage, you can still purchase travel insurance while abroad as long as you meet the plan’s eligibility requirements and your trip is outside your home province. You can choose the length of coverage that fits your itinerary – up to 365 days per trip. If your trip is more than 183 days (212 for Ontario and Newfoundland) you must have written evidence of extension of your Government Health Insurance Plan (GHIP) to qualify for coverage under the plan. Always review your plan wording carefully to understand when your coverage begins and ends.
  • What do I do if I need emergency assistance?

    No matter where you are in the world, our 24/7 Emergency Assistance partners at Travel Guard are ready to help – 24 hours a day, every day of the year. Whether it’s a medical emergency, stolen gear, missing bags, or a natural disaster, they’re the first call to make. Need a translator? They can help with that too.

    When you call, you’ll be asked if you are experiencing a travel emergency. If you are having a medical emergency, you’ll be connected with Emergency Assistance right away. If your situation is not urgent and you are calling outside of normal business hours, you’ll be able to leave a message and be called back. 

    The contact information for medical emergency assistance is: 

    Phone: +1 866 878 0192 (toll-free from Canada and the Continental U.S.); or 

    Phone: +1 416 646 3723 (collect from anywhere else in the world) 

Need destination inspiration for your next  family trip? 

Few experiences shape a child’s mind like travelling as a family. Whether it’s watching history unfold in Europe or seeing geography come alive in a national park, these moments may be transformative for even the smallest adventurers. Here are a few ideas to help inspire your next journey: 

Monthly Adventure Guide 

Switzerland Affordable Winter Adventures 

5 Amazing, Less-Visited National Parks in Chilean Patagonia 

Family Travel: How to keep kids safe and healthy

This article is for general informational purposes only. It is not intended to provide medical, legal, insurance, or travel advice and provides only a general summary of certain features that may be available under applicable travel insurance policies. Coverage is subject to the specific terms, conditions, limitations, exclusions, and pre-existing condition provisions of the applicable insurance policy. In the event of any inconsistency between this article and the wording of any insurance policy, the policy wording shall govern and take precedence. It is important that you read and understand your policy before travelling. If you have questions about your coverage or are unsure how your policy applies to your circumstances, please contact us for clarification.

Travel Insurance Benefits: how we can take care of you

Trip Cancellation

Insurance protection for your hard earned vacation in the event of unexpected cancellation.

  • Standard Plan: $2,500
  • Explorer Plan: $10,000
  • Epic Plan: $15,000
  • AMT Plan: $10,000
Trip Protection
  • Unexpectedly hospitalized?
  • Travel buddy unfit to travel?
  • Close relative suddenly dies?

We’ve got your back.

Emergency Medical Insurance

Help take the pain out of medical or dental costs.

  • Standard Plan: $1,500,000
  • Explorer Plan: $5,000,000
  • Epic Plan: $10,000,000
  • Annual Plan: $5,000,000
Emergency Medical Insurance
  • Need meds quick?
  • Accidentally injured?
  • Suddenly sick?

We’ve got your back.

Emergency Evacuation & Repatriation

We’ll get you to hospital or home quickly.

  • Standard Plan: $250,000
  • Explorer Plan: $500,000
  • Epic Plan: $750,000
  • Annual Plan: $500,000
Emergency Evacuation & Repatriation
  • Banged up abroad?
  • Need a hospital urgently?
  • Medevac home?

Help starts here.

Gear & Baggage Protection

Coverage for the theft, damage or delay of your bags, tech and sports gear.

  • Standard Plan: $1,000
  • Explorer Plan: $2,000
  • Epic Plan: $5,000
  • Annual Plan: $2,000
Protect your gear
  • Passport or tech stolen?
  • Airline lost your gear?
  • Bags delayed?

Help starts here.

Protect your health

  • Emergency Medical & Dental Expenses
  • Emergency Evacuation and Repatriation
  • Bedside Companion Travel and Subsistence
  • Emergency Professional Services
  • Return of Remains
  • Return of Travel Companion/Dependent Children

Protect your trip

  • Trip Cancellation
  • Trip Interruption
  • Trip Delay
  • Optional Cancel for Any Reason (Explorer or Epic)
  • Trip Exchange (Explorer, Epic or AMT)
  • Rental Vehicle Damage (Explorer, Epic or AMT)

Protect your stuff

  • Baggage and Personal Effects Theft or Damage
  • Baggage and Sporting Equipment Delay
  • Travel Documents Theft or Damage
  • Sporting Equipment Theft or Loss by a Common Carrier
  • Covered Adventure Sports listed in Policy

Assistance Services

  • 24/7 Worldwide Emergency Medical Assistance
  • Worldwide Travel Assistance
  • Personal Security Assistance
  • Adventure Traveller’s Hotline
  • Bag Trak
This is a general summary for Canadian residents only. It does not include all terms, conditions, limitations, exclusions and termination provisions of the travel insurance plans described. Coverage may not be available for residents of all provinces. Check the Travel Insurance Policy for full details.