5 Reasons Your Family Needs Travel Insurance

When planning a family vacation, you are not just packing for a few days away. You are also investing in time to create beautiful memories with your loved ones. Family trips can be an amazing bonding experience, but the reality is that unexpected events can often disrupt even the most organized itineraries. With traveling becoming more costly, travel insurance for your family has become essential to mitigate the financial burden of unforeseen events like medical emergencies, lost luggage, or trip cancellations.

Why Travel Insurance Is a Must for Every Trip?

Travel insurance offers key coverages, from trip cancellations to medical support if someone in the family falls ill or gets injured abroad. Chubb’s Travel Insurance offers comprehensive plans that cater specifically to families, allowing you to travel with peace of mind. Here are five compelling reasons why having travel insurance under a family plan should be an essential item on your checklist for your future trips.

Reason 1: Coverage for Trip Cancellations Due to Unexpected Events

Family holidays often involve months of planning and upfront booking fees. Unfortunately, unexpected events such as hospitalization of yourself or your family member, or even natural disasters at your destination, can force last-minute cancellations. Without travel insurance, the non-refundable portion of your expenses such as flights, accommodations, and tour reservations may not be recoverable.

Chubb’s Travel Insurance covers these non-refundable costs, enabling families to recoup their losses. For example, families who had canceled their planned trips to Taiwan due to a typhoon in Taiwan will be able to recover their loss of deposits or charges for advance payments paid but not recoverable from the respective flight, hotel, or booking providers through the travel insurance policies.

Reason 2: Protection from Medical Emergencies Abroad

We cannot deny the fact that there are always chances that we could fall ill or is involved in an accident, especially in an unfamiliar setting. Medical emergencies can be incredibly stressful, and healthcare abroad can be costly.

Imagine basking on the stunning beaches of Bali, only to have your dream getaway interrupted when your child suddenly falls ill with severe food poisoning. In a foreign country where healthcare costs can soar, having to face this situation without travel insurance could leave you and your loved ones with overwhelming medical expenses.

Chubb’s Travel Insurance provides peace of mind by covering unexpected medical costs, ensuring your child receives prompt and quality care without straining your finances. The coverage typically covers hospitalization, outpatient treatment, medications, and even emergency medical evacuation costs if needed—so you can focus on what truly matters: your family's well-being.

Reason 3: Lost Baggage and Important Documents Coverage

Managing luggage, passports, and travel documents for the whole family can be challenging, particularly with children. The situation becomes even more precarious, as the risk of losing bags or essential documents to theft increases when handling multiple suitcases and items.

Chubb’s Travel Insurance compensates you against the unexpected loss of your belongings due to theft, helping you replace essential items without financial stress. It also covers delayed luggage — a situation that can be especially challenging when traveling with children, as you may find yourself temporarily without crucial items. The compensation you may receive can help mitigate the expenses incurred for purchasing necessities required to keep your trip on track until your luggage is returned.

Reason 4: Delays and Rescheduled Flights Won’t Ruin Your Holiday

Flight delays can be frustrating and inconvenient, especially for families with young children waiting for their next flight at the airport. Chubb’s Travel Insurance provides a lump-sum compensation for prolonged delays, which can help alleviate financial strain from additional expenses incurred, such as meals, lodging, and transportation when travel plans are disrupted. while also providing peace of mind during the delay.

Reason 5: Special Coverage for Family Adventures and Annual Plans

Whether it’s visiting a theme park, snorkeling, skiing, or other leisure sports activities, family trips often include high-energy pursuits that can carry some risk. It is advisable to check that your travel insurance provides coverage for your planned activities to ensure adequate protection. Chubb’s Travel Insurance offers coverage for various activities, ensuring that you’re covered if an accident occurs.

For families who travel frequently, an annual policy is a great option. It covers multiple trips in one year, saving both time and money compared to purchasing single-trip policies. With annual coverage, families can enjoy year-round protection for vacations, short getaways, or even weekend trips.

Holiday confidently

Family trips are a great time for bonding and to create memories to cherish. Don't let unexpected events ruin the holiday mood, and get your trip covered! Chubb’s Travel Insurance offers 3 plan types for families, to cater to different destinations and budgets. Travel with confidence and enjoy peace of mind when you're covered by Chubb.

This content is brought to you by Chubb Insurance Malaysia Berhad, Registration No. 197001000564 (9827-A) (“Chubb”) for general information/guidance purposes only and is not intended to constitute advice or recommendations upon which a reader may rely nor be viewed as a substitute to obtaining proper legal or other professional advice. Any references to insurance cover are general in nature only and may not suit your particular circumstances. Chubb does not take into account your personal objectives, financial situation or needs and any insurance cover referred to is subject to the terms, conditions and exclusions as set out in the Travel Insure policy wording. Please obtain and read carefully the relevant insurance policy before deciding to acquire any insurance product. A copy of the policy wording can be obtained from the website or by contacting any of the Chubb offices.