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Family Travel Insurance

Switch to Reliance General Insurance. Trusted by 5 Crore+ Indians

International Travel Insurance

Family Travel Insurance

  • No Paperwork
  • No Medical Check-up
  • 26 Countries 1 Policy
  • Cashless Hospitalisation Worldwide
International Travel Insurance

Plan Details

​Travelling solo can be adventurous for many. But family vacations are so much more fun. Guarantee the safety of your family’s adventures with Family Travel Insurance ​from Reliance General Insurance. Our family travel insurance is a single policy that covers you and your loved ones from various risks during your journey.

Family trip insurance ​is a reliable, trustworthy, and essential travel companion. It protects you from the stress caused by situations like passport loss, missed flight, trip delay, and medical expenses abroad. It ensures you have adequate coverage in an unknown place.

Additionally, the travel insurance family plan covers what’s most important: your emotional and financial well-being. Any travel-related issues, such as lost passports, trip delays and even missed connections, are covered in top global destinations, including the US, Canada, the UK, Greece, Austria, Egypt, Russia, Hong Kong, Japan and China.

₹306*
Starting Premium

100%*
Claim Settlement Ratio

5 Crore+
Policyholders

USD 500,000
Max Sum Assured

What Is Family Travel Ins​​urance?

A travel insurance family planis a comprehensive policy that secures the travels of all members of a family under a single policy. Generally, family trip insurance ​covers you, your spouse, and two dependent children below 21 years. It ensures you have a worry-free and safe vacation by offering essential coverage to every member of the family covered under the plan.

Reliance General Insurance offers a comprehensive travel insurance family plan ​that protects your loved ones from a medical emergency. Our travel insurance with family cover also tackles distressing issues like missed connecting flights, home burglary, and emergency cash assistance.

Why Do You Need to B​uy Family Travel Insurance?

A family travel insurance plan ​ensures that medical emergencies and travel interruptions do not financially affect your trip. Your travel insurance covers you from the moment you reach the airport until you safely land back in India.

So, here’s why a travel insurance family plan should be purchased:

Comprehensive Covera​​ge for All Family Members

Family travel insurance covers medical emergencies, trip cancellations, lost baggage, and other unexpected incidents for all members under one policy. It ensures peace of mind during your trip.

Cost-Effective So​​lution

Purchasing a single family travel insurance planis more cost effective than buying individual policies for each family member. This allows you and your loved ones to enjoy broad coverage at a reduced cost.

Protection Against​ Travel Disruptions

A travel insurance family plan ​provides coverage for unexpected travel delays, natural disasters or other disruptions, ensuring your family is not financially burdened by unforeseen events that could affect your plans.

Convenience and Si​​mplicity

A single travel insurance family plan ​simplifies management and claims, allowing for easier handling of any issues that arise during your trip and ensuring all family members are adequately protected.

Compliance with Visa Require​​ments

Many countries mandate travel insurance as a requirement for visa approval. Family travel insurance ensures you meet these requirements, facilitating a smooth visa application process for countries that require coverage for all travellers.

Peace of M​​​ind

With a family travel insurance plan, you can focus on enjoying your trip and making lifetime memories with your family, knowing that you are all protected from various risks under a single comprehensive policy.

When you buy family travel insurance ​from Reliance General Insurance, you enable yourself to navigate these challenges effortlessly.

Benefits of Family Travel Ins​urance Policy

Family travel insurance policy from Reliance General Insurance provides affordable and comprehensive coverage to all insured members of your family while you explore different parts of the world with them.

Here are some family travel insurance advantages ​you can benefit from:

Benefits

Description

Medical Coverage

Financial support for emergency medical care, including transportation, evacuation, and repatriation of mortal remains.

COVID-19 Coverage

Covered for health concerns related to COVID-19

Trip Cancellations

Coverage for cancellations, delays, interruptions and missed connections in your trip.

Baggage Protection

A family travel insurance policy covers total loss or delay of check-in baggage.

Trip Durations

Cover for both short and long trips for 180 days, extendable to 365 days.

No Medical Tests

You do not need any medical tests for a travel policy from Reliance General Insurance.

Instant Purchase

Scan, check and pay for your travel insurance in under 60 seconds*.

PED Cover

Get coverage for pre-existing conditions (PEDs) and life-threatening conditions, as mentioned in your policy.

Customisable

Choose your insurance cover based on the travel and health needs of your family.

Additional Covers

Get hijack distress allowance, loss of passport cover, emergency cash allowance, and personal liability cover.

Claim Settlement

Quick and cashless claim settlement options.

Types of Family Travel​​ Insurance Coverage

Over 5 crore+ Indians trust Reliance General Insurance to make their trip better and safer. Here are the different types of travel insurance coverage by us:

Type of Reliance Family Travel Insurance

Benefits Offered

Monthly Premiums Starting At

International Travel Insurance

·Provides global coverage for medical emergencies, trip cancellations, lost baggage, and personal liability.

·Ideal for any international travel destination, ensuring comprehensive protection against a wide range of travel-related risks.

₹306*

Schengen Travel Insurance

·Required for visiting Schengen countries (29 European countries).

·Covers medical emergencies, accidental expenses, passport loss, and luggage delay.

·Meets visa requirements with a minimum medical cover of €30,000*.

₹401*

​Asia Travel Insurance

·Covers unforeseen events like luggage loss, passport loss, medical emergencies, hospitalisations, and personal liability in Asian countries (excluding Japan). Tailored for tourists visiting popular Asian destinations.

₹306*

Why Should You Choose R​​eliance Family Travel Insurance?

Buying Reliance General Insurance's family travel insurance ​protects you with comprehensive coverage and offers the convenience of faster assistance during your travel.

Affordable Premiu​​ms

Get comprehensive coverage starting at just ₹306 per month*. Our family travel insurance is an affordable option for families looking to protect their travels without high costs.

Quick Iss​​uance

Scan, check, and pay for your travel insurance within 60 seconds*. Instant policy disbursals mean you never have to wait in a queue or deal with never-ending paperwork.

Extensive Cove​rage

Covers medical emergencies, trip cancellations, lost baggage and trip delays. We ensure peace of mind for your entire family.

Tailored Solut​​ions

Whether you are a family or a senior citizen or need area-specific coverage, our tailored plans ensure you receive adequate coverage based on your specific requirements.

Trip Duratio​n

Get coverage for short and long trips that go up to 180 days and are extendable to 365 days. Simply use our Travel Insurance Extension feature to extend your coverage.

100% Claim Settlement Ra​tio*

Benefit from a reliable insurance provider with a 100% claim settlement ratio*. With a quick and easy claim settlement process, we settle your claims efficiently.

Customisable A​​dd-Ons

Tailor your policy with add-ons like adventure sports coverage or additional medical expenses to suit your family’s unique travel needs.

24x7 Global Assistan​ce

Enjoy 24/7 support worldwide, offering immediate help for medical referrals, lost documents and other travel-related issues.

Global Cashless Sup​port

Get cashless hospitalisation support worldwide. Buy your worldwide family travel insurance plan in rupees and get cashless coverage in dollars!

By choosing Reliance Family Travel Insurance, you ensure comprehensive, affordable and reliable coverage for your family’s travels.

Features of Relian​​ce Family Travel Insurance

Reliance General Insurance's ​family holiday insurance plan offers the following benefits:

Coverage

Reliance Standard (US$)

Reliance Silver (US$)

Reliance Gold (US$)

Reliance Platinum (US$)

Reliance Family Standard (US$)

Reliance Family Gold (US$)

Deductibles (US$)

Medical Expenses (Incl. transportation, evacuation, and repatriation of mortal remains)

50,000

100,000

250,000

500,000

50,000

100,000

50

Dental Treatment

500

500

500

500

500

500

50

Loss of Passport

300

300

300

300

300

300

25

Total Loss of Checked-in Baggage

500

1,000

1,200

1,500

500

1,000

100 (for Senior citizens, age 61-70) NIL (upto 60 years)

Delay of Checked-in Baggage (12 hrs)

100

100

100

100

100

100

12 hrs

Personal Accident

15,000

20,000

25,000

30,000

15,000

25,000

-

Accidental Death - Common Carrier

2,500

2,500

5,000

5,000

2,500

2,500

-

Personal Liability

50,000

100,000

200,000

250,000

100,000

100,000

-

Daily Allowance in Case of Hospitalisation

-

25/day (5 days max)

25/day (6 days max)

25/day (7 days max)

25/day (5 days max)

25/day (7 days max)

2 days

Financial Emergency Assistance

-

300

300

500

300

600

-

Hijack Distress Allowance (per day)

-

50 (7 days max)

75 (7 days max)

125 (7 days max)

50 (7 days max)

75 (7 days max)

12 hours

Trip Delay (per day)

-

25 per day (6 days max)

50 per day (6 days max)

60 per day

(6 days max)

25 per day (5 days max)

50 per day (7 days max)

12 hours

(Return fare)

-

-

-

-

-

-

-

Trip Cancellation & Interruption

-

600

600

600

500

600

-

Missed Connections

-

200

300

500

-

300

-

Compassionate Visit

Return fare for any one accompanying person- spouse/child/doctor

Home Burglary Insurance (₹)

-

1,00,000

2,00,000

3,00,000

1,00,000

2,00,000

-

Any One Illness**

12,000

13,500

15,000

17,500

-

-

-

Any One Accident

20,000

25,000

30,000

35,000

-

-

*The above-mentioned features and benefits can vary from plan to plan. Read ​policy wording ​for details of terms and conditions before making a purchase.

Family Travel Insurance Policy​​: Inclusions and Exclusions

Key Coverages Included in R​​eliance Family Holiday Insurance:

Reliance Family Travel Insurance ​offers comprehensive protection to ensure your family enjoys a safe and stress-free vacation. It covers a wide range of potential risks, from medical emergencies to trip cancellations, making it an essential addition to your travel plans.

Medical Emergen​cy Cover

The policy provides coverage for medical emergencies, including treatment and hospitalisation for all insured family members. This ensures financial support during unexpected health issues while travelling.

Trip Cancellations and Interr​uptions

Suppose your trip needs to be cancelled or cut short due to unforeseen circumstances such as illness or severe weather. In that case, our policy provides reimbursement for non-refundable expenses, helping to protect your investment.

Lost Baggage and ​Delays

Our family travel insurance ​policy compensates for the total loss of checked-in baggage. It provides coverage for essential items if your baggage is delayed, ensuring you are not left without necessities.

Passport Loss​​ or Theft

Losing a passport can be stressful, especially when travelling with family. Our family travel insurance policy covers the cost of obtaining a new or duplicate passport, minimising inconvenience.

Travel Delays and Missed Connecti​​ons

If your family experiences travel delays or missed connections due to unforeseen events, the insurance reimburses additional costs such as accommodation and meals, reducing financial strain.

Accidental Death and Disabilit​​y

In the unfortunate event of accidental death or disability, the Reliance family holiday insurance ​policy provides a lump sum payment to support your family during difficult times.

Key Exclusions of Reliance Family Tr​avel Insurance

While Reliance Family Travel Insurance provides extensive coverage, certain exclusions apply. Understanding these exclusions helps ensure you are aware of the limits of your Reliance Family Travel Insurance and can choose the best family travel insurance ​for yourself.

Pre-existing Medical Con​​ditions

Pre-existing health conditions and complications arising from them are not covered unless specifically disclosed and agreed upon at the time of purchasing the policy.

Deductib​​les

The insured must cover any deductibles specified in the policy schedule. The insurance does not cover these amounts and must be paid out of pocket.

Events Before Coverage​​ Begins

Claims related to incidents that occur before the policy starts or after it ends are not covered, ensuring protection only within the insured period.

Participation in Hazardo​​us Activities

Injuries or illnesses resulting from participation in hazardous activities not covered by the policy, such as extreme sports or professional competitions, are excluded.

Intentional Acts and Criminal Ac​​tivities

The policy does not cover incidents arising from self-inflicted injuries, criminal activities or substance abuse.

Certain Disea​ses

Expenses related to mental health conditions, anxiety, depression and sexually transmitted diseases like HIV/AIDS are not covered.

Travelling Against Medical A​dvice

Claims made when travelling against a physician’s advice are not covered. It is important to ensure that a healthcare professional recommends travel.

Unattended Belongin​​​gs

Loss or damage to items left unattended, including passports and other valuables, is not covered by the insurance policy.

*Refer to policy wordings ​for an in-depth understanding of the inclusions and exclusions in your policy before making a purchase.

Family Travel Insura​​nce Eligibility Criteria

Reliance family travel insurance policy ​has eligibility guidelines applicable to the insurers

and their policy duration.

If you meet the below criteria for family travel insurance plans, you can apply for one within 60 seconds* online.

Reliance Travel Insurance Plan

Age Limits

Family Travel Insurance

Maximum Four Person - self, spouse (up to 60 years) and up to two dependent children between 3 months to 21 years

Other Eligibility Criteria

Citizenship

Indian

Health Condition

Declare any pre-existing medical conditions

Purpose of Travel

Tourism purposes

Destination

Certain high-risk countries may be excluded

How Many Members Cover​​ed Under Family Travel Insurance?

Reliance Family Travel Insurance plans cover a maximum of four family members ​under a policy. You can include:

  • Yourself - up to 60 years of age
  • Your spouse - up to 60 years of age
  • Up to two children between the ages of 3 months to 21 years

How to Choose the Best Fam​ily Travel Insurance Plan

Choosing the right family travel insurance policy is essential to ensure comprehensive protection during your travels. Here’s a step-by-step guide on how to buy family travel insurance ​that is right for you:

Research Opti​​ons

Start by identifying reliable insurance providers like Reliance General Insurance that offer a wide range of family holiday insurance cover ​options. Look for insurers with good reviews and customer support.

Compare Coverage and Pr​​emiums

Evaluate different family floater travel insurance ​plans to compare the coverage benefits, such as medical emergencies, trip cancellations and lost baggage, against the premiums. Ensure you select a plan that offers the best value for your family’s needs.

Understand Policy Terms ​and Conditions

Carefully read the policy documents to understand inclusions, exclusions and any additional add-ons/benefits available. Knowing the inclusions and exclusions ensures there are no surprises during claims.

Check for Customis​​ation

Choose a family floater travel insurance policy that allows customisation, such as adding coverage for adventure activities or higher medical limits, to tailor the insurance to your travel plans.

Purchase Onlin​​e

Once you have chosen the best plan, complete the purchase either online through the insurance provider’s website or mobile applications. This ensures you have a smooth and hassle-free buying experience and enjoy discounts on premiums.

By following these steps, you can select the most suitable family travel insurance policyfor your needs.

Which Family Travel Insur​​​ance Plan Should You Buy?

Selecting the right travel insurance plan depends on various factors to ensure you get the best value family travel insurance plan​. Consider these key elements when choosing your policy:

Destinatio​​n

Different destinations have varying risks and requirements. For example, the best annual family travel insurance ​might include broader coverage for international trips, while a Schengen plan is focussed on unique Schengen visa requirements.

Duratio​​n of Travel

Longer trips may require more comprehensive coverage, including extended medical benefits and trip interruption coverage. Shorter trips might benefit from cheap family holiday insurance ​that offers essential protection at a lower cost.

Type of Activit​​ies Planned

If your family trip includes adventure sports or risky activities, look for the best annual family travel insurance ​plans that offer add-ons/additional benefits to cover these activities and avoid uncovered claims.

Coverage Require​ments

Identify the type of travel insurance that is most crucial for your family, whether it is medical emergencies, lost baggage or trip cancellations. Also, decide the coverage limits that are best suited for your needs. Choose coverage that aligns with these needs.

Bud​​get

Ensure the plan fits within your budget without compromising on necessary coverage. Look for discounts or bundled options to get the best value. Online travel insurance purchase offers significant discounts.

Additional Be​​​nefits

Reliance General Insurance offers additional perks like 24x7 assistance or global cashless hospitalisation. These can be beneficial depending on your family’s specific needs.

By evaluating these factors, you can find the best value family travel insurance ​tailored to your trip.

Things To Check Before You Bu​​y Family Travel Insurance

Before purchasing a family travel insurance ​plan, it’s important to thoroughly check the coverage details and exclusions to ensure your family is well-protected. Here’s what to consider when selecting a travel insurance family plan:

Coverage for Medical E​mergencies

Ensure the policy covers a wide range of medical emergencies, including hospitalization, emergency evacuation, and treatment costs. This is crucial for any unforeseen health issues during your trip.

Trip Cancellations and ​Interruptions

Verify that the family trip insurance ​provides reimbursement for non-refundable expenses if you need to cancel or cut short your trip due to covered reasons like illness or severe weather.

Lost Baggage and Persona​l Belongings

Check that the travel insurance family plan ​includes compensation for lost or delayed baggage, as well as coverage for personal belongings to avoid unexpected expenses and ensure peace of mind.

Policy Exclusi​ons

Understand what the family travel insurance ​policy does not cover, such as pre-existing conditions, high-risk activities or travel to certain destinations. Knowing these exclusions helps avoid denied claims.

Deductibles and Lim​its

Review the family trip insurance deductibles and coverage limits listed in your policy document to ensure they align with your needs. Make sure that you are comfortable with the out-of-pocket expenses.

Emergency Assistance Servi​ces

Ensure the travel insurance family planoffers 24x7 emergency assistance worldwide. This feature can be invaluable in situations requiring immediate support or medical referrals, especially in an unknown location.

By carefully reviewing these aspects, you can choose the best family trip insurance ​for your needs.

How to Buy Relianc​​e Fam​​ily Travel Insurance Online

Buying travel insurance online for your family from Reliance General Insurance is a straightforward process.

Once you finish your travel insurance online comparison ​between different plans, visit the Reliance General Insurance website and follow these steps:

  • Navigate to the ​​International Travel Insurance Pageon the Reliance General Insurance official website
  • Select travel type as ‘Family’
  • Fill in the details of your travel, like destination ‘USA or Canada’ or ‘Rest of the World’
  • Enter your travel dates and family member details
  • Input your registered e-mail address and mobile number.
  • Once you accept the terms and conditions, click ‘Get Quote’
  • You will instantly receive a quote on your mobile number and e-mail
  • Once the payment is made, your policy is sent to your e-mail address.

Benefits of Buying Family​​ Travel Insurance Online

Buying family travel insurance online ​provides the opportunity to enjoy exclusive benefits. The process of purchasing a family travel insurance plan online is quick, transparent and easy.

Affordab​​le

We offer exclusive discounts on online policies, making it a cheap family travel insurance ​option. By buying directly from our website, you benefit from reduced premiums.

Convenie​​nt

When you buy family travel insurance ​online, you save precious time. With a user-friendly interface and easy process, you can buy a family travel insurance policy from the convenience of your home.

Easy Comparis​on

Our user-friendly website allows you to compare various medical travel insurance options side by side. You can evaluate coverage, sum insured and policy duration and select the best plan that meets your family’s needs.

Instant Co​ver

Purchasing family travel insurance ​online with us gives you instant policy issuance. With no paperwork or medical tests required, you can check, scan and pay for a policy in under 60 seconds, making it ideal for last-minute travel plans.

By choosing Reliance General Insurance, you enjoy a straightforward and efficient online experience, providing comprehensive coverage for your family with ease.

Factors Influencing Y​​our Family Travel Insurance Premium

It is crucial to understand what affects your policy premium to determine the average cost of family travel insurance. Influenced by a combination of factors, each aspect plays a key role in determining an approximate range of your premium amount. Some of these key aspects are:

Destin​​ation

The country you visit affects your premium amount. Some countries have higher medical costs, repatriation expenses and passport issuance charges. For instance, premiums for travel insurance coverin the US will be higher than that for Asian countries.

Duration of Y​​our Trip

Simply put, the longer your stay, the higher the premium. This is because the risks of unforeseen events like luggage loss or accidents on a long trip are more likely than on a short holiday.

Age of ​​Insured

Age is a crucial factor affecting your policy’s premium. Older family members are more susceptible to health conditions due to pre-existing diseases, pushing their premiums up. A younger, healthier traveller tends to have low health risks and thus enjoys lower premiums.

Choice of Pl​an

Different family travel insurance plans cover various needs. Reliance General Insurance offers a variety of plan options to meet the travel needs of various travellers - Schengen travel insurance, Asia travel insurance, international travel insurance, and so on.

Sum Insur​ed

The sum insured is the maximum amount an insurer will pay toward your claim. If your travel insurance offers higher coverage, it will have a higher premium. You can also use a travel insurance premium calculatorto determine your budget before purchasing a plan.

Save Money When B​​uying a Family Holiday Insurance Cover

Buying family medical travel insuranceshould not be a last-minute job. Take your time and follow these money-saving tips to buy comprehensive family medical travel insurancefrom Reliance General Insurance at a competitive premium.

Compare Quotes Onlin​e

Always compare quotes for family medical travel insuranceon the Reliance General Insurance website. This helps you find the best travel insurance plan that offers comprehensive coverage at an affordable price.

Consider Trip Durati​​on

Choose a family travel medical insuranceplan that aligns with your trip duration. Selecting a policy that matches the length of your travel can prevent you from paying for coverage you don’t need. We offer flexible options to suit different travel lengths.

Take Advantage of Onl​ine Discounts

Reliance General Insurance provides exclusive discounts for policies purchased online. Buying your family holiday insurance coverdirectly from our website can save you money, thanks to lower premiums.

Read the Fine Print Car​efully

Make sure to thoroughly read the policy details to understand what is covered and what is not. This ensures there are no surprises later and helps you choose the right family travel insuranceplan that avoids unnecessary expenses.

Renew Travel Insurance:​​ Family Travel Insurance Extension

With Reliance General Insurance, you can extend your family travel insurance plan if your trip is extended for any reason. Here is how you can extend our family trip insurance plans:

How to Claim Rel​​iance Family Travel Insurance?

Here is how you can claim family travel insurancewith Reliance General Insurance

Family Travel Insurance - Cas​hless Claim:

You, any family member or the concerned hospital must initiate a claim with the policy number to Reliance General Insurance within 24 hours of the patient's admission to the chosen hospital. The hospital must agree to provide a cashless facility.

You can avail yourself of a global cashless facility by calling the numbers below for any emergency assistance.

  • National Toll-Free No: 1800-209-55-22
  • Landline No: +91-22-67347843/44 (Charges Applicable)
  • Fax: +91-22-6734-7888
  • Email ID: reliance@europ-assistance.in
  • New International toll-free numbers:

Netherlands

00+800-99441111

Thailand

001+800-99441111

Belgium

00+800-99441111

Sweden

00+800-99441111

Italy

00+800-99441111

Austria

00+800-99441111

Norway

00+800-99441111

Czech Republic

00+800-99441111

Poland

00+800-99441111

Denmark

00+800-99441111

New Zealand

00+800-99441111

France

00+800-99441111

Singapore

00+1800-99441111

Greece

86002038017 (ITFS)

Portugal

00+800-99441111

Hungary

00+800-99441111

Australia

0011+800-99441111

Israel

00 or 014+800-99441111

United Kingdom

00+800-99441111

Germany

00+800-99441111

Malaysia

00+800-99441111

South Africa

00+800-99441111

Japan

001-010+800-99441111

Spain

00+800-99441111

China

00+800-99441111

Switzerland

00+800-99441111

Hong Kong

001 or 006+800-99441111

USA

18337426673 (ITFS)

Taiwan

00+800-99441111

Canada

011+800-9944 1111

Argentina

00+800-99441111

Philippines

00+800-99441111

Family Travel Insurance: Re​​imbursement Claim:

File Your Cla​​im

You or your family member should file a travel claim ​with us within 24 hours of when the incident has occured.

Submission of Required ​​Documents

When you are filing for reimbursement, you will need to submit the duly filled travel insurance claim form ​and the hard copies of all necessary documents to:

Reliance General Insurance, Claims Department,

C / O Europ Assistance India Pvt Ltd.
7th Floor, Star Hub, Bldg No. 2,
Near ITC Maratha Hotel,
Sahar, Andheri East,
Mumbai – 400 059., India

Claim Proces​​sing

Reliance Care or Europ Assistance will review and approve your claim, reject it, or hold it for more documents.

Claim Payme​nt

Once we have approved your claim, the applicable benefits will be paid to you.

Family Travel Insur​​ance Documents Required for a Claim

If you spend on an event during your travel that is covered by your family holiday insurance ​plan, you can claim it. Along with the claim, submit the following supporting documents ​to validate your claim.

Submit your PAN (permanent account number) card/Form 60 for your international travel insurance family plan claim.

·Original ticket, boarding pass, a copy of your passport with the mentioned travel dates, and the claim form for every claim.

·Original bills, reports and hospital discharge summary (if hospitalised).

·Official death certificate and a physician’s declaration stating the cause of death to claim repatriation costs for mortal remains or cost of burial abroad.

·For loss of passport claims, submit a police record obtained within 24 hours of the loss or theft. Submit original bills for expenses incurred to obtain a new passport.

·In the event of loss of checked-in baggage, a property irregularity report is issued by common carriers. If applicable, a letter from the airline stating the compensation received for the lost luggage.

·For a personal liability claim like damage caused to a third party, submit proof of judicial decision given by a court of law.

·A claim for financial emergency benefit needs a police report filed within 24 hours of the awareness of the event occurrence.

Find here the detailed list of documents ​for your travel insurance family plan claim.

Individual Travel Insuran​ce vs. Family Travel Insurance

Individual travel insurance covers a single person, whereas a family travel plan covers multiple family members under a single policy. At their core, both policies work similarly yet have crucial differences.

We compare family travel insurance with an individual plan to help you understand the role different factors play in each plan. This comparison will additionally help you choose the most suitable plan as per your needs.


Features

Individual Travel Insurance

Family Travel Insurance

Coverage

Medical, journey and baggage-related cover for one individual.

Medical, journey, and baggage-related cover for all insured family members.

Cost-Effective

Cover for one person means a lower premium amount and competitive options.

Cover for an entire family means a higher premium amount. However, it is more cost-effective than getting separate individual policies for all.

Eligibility Criteria

3 months to 65 years

Four people, including the insured, spouse and 2 dependent children below the age of 21.

Convenience

Comprehensive cover for a single person’s travel and health needs.

Comprehensive cover for every insured member’s travel and health needs.

Popular Internationa​​l Family Travel Locations

Popular Countries for a Family

Attractions for a Family Trip

Visa Mandate (Visa-Free, Visa-on-Arrival, Pre-Approved)

Travel Cost of a Family of Four for a Week

France

Famous for its rich history, culture and attractions like Disneyland Paris, making it perfect for family vacations.

Pre-approved visa (Schengen Visa)

₹2,50,000

Thailand

Known for its beautiful beaches, affordable activities, and family-friendly resorts, offering great value for money.

Visa on arrival

₹1,50,000

Australia

Offers a variety of experiences, from wildlife encounters to beach adventures and cultural landmarks, ideal for family explorations.

Pre-approved visa

₹3,50,000

Singapore

Renowned for its cleanliness, safety and attractions like Universal Studios and Sentosa Island, making it a family favourite.

Pre-approved visa

₹2,00,000

USA

Home to world-famous theme parks like Disneyland and Universal Studios, perfect for a fun-filled family vacation.

Pre-approved visa

₹4,50,000

Italy

Offers a mix of history, culture, and scenic beauty, with family-friendly activities like gondola rides in Venice and exploring ancient ruins in Rome.

Pre-approved visa (Schengen Visa)

₹3,00,000

United Arab Emirates (Dubai)

Known for its modern attractions, shopping, desert safaris and family-friendly entertainment options like Legoland.

Visa on arrival

₹2,00,000

Japan

Offers unique cultural experiences, theme parks like Tokyo Disneyland, and family-friendly attractions like the Ghibli Museum.

Pre-approved visa

₹3,50,000

Malaysia

Affordable destination with a mix of beaches, rainforests, and city life, offering a variety of family-friendly activities.

Visa-free or e-visa

₹2,00,000

United Kingdom

Combines history, culture and attractions like the Harry Potter Studio Tour, making it a great destination for families.

Pre-approved visa

₹4,00,000

Reliance General Insurance offers targeted family trip insurance, such as travel insurance for Asia, travel insurance for Schengen and international travel insurance. Buy the right policy and ensure a memorable and safe trip for you and your loved ones.

How to Travel Safe ​​with Reliance Travel Insurance Family Plan

Here is how you can practise safe travels with Reliance General Insurance's annual family travel insurance plans:

Planni​​ng

Compare family travel insurance coverage on our website for targeted coverage. While every destination offers unique experiences for a family vacation, it is imperative to check safety for children and women in the location.

For instance, Asian and European countries are generally considered saferfor family holidays than many other destinations.

Visa Mand​​ates

Comprehensive travel insurance is a must and is mandated by many countries as a visa requirement. Take appropriate steps to ensure your family is covered from any illnesses or injuries that accompany these activities.

Accommo​dation

The safety of your loved ones is the most important concern when travelling abroad.

Where you stay, the locality and the neighbourhood are an important part of holiday planning.

A cheap family holiday insurance ​protects you from medical and trip-related emergencies, but you need to carefully pre-plan your hotel reservations.

Safeguarding D​ocuments

Passports, cash, tickets, and visa-related papers must be kept carefully during trips. You must carry scanned copies of your original documents in case of loss or theft.

Staying in ​​Touch

Children can wander when left unattended. Ensure other family members have a smartphone with an international sim to stay in touch.

Frequently Asked Que​stions (FAQs)​

Can I getfamily travel insurance ​with pre-existing conditions?

You can get family travel insurance with pre-existing conditionsif you declare your health issues during the policy purchase.Reliance General Insurance offers coverage to family members with pre-existing conditions. However, if a physician has advised you against travelling due to ongoing or planned treatment, any claims relating to the illness during your trip will not be covered. Read the policy wording carefully before purchasing a policy.

Can I gettravel insurance for a​​ sick family member?

Most insurers do not provide travel cover to individuals who are already sick, undergoing treatments or have planned treatments advised by a physician.

How do I compare family travel i​nsurance plans available in the market?

When buying a family travel insurance plan, follow the steps below:

  • After a complete market research, filter policies based on your budget.
  • Compare coverage and premium options and select one that offers maximum coverage.
  • Carefully read the fine print and policy wording.

Will I get a refund if I cancel m​y family travel insurance policy after buying?

If you choose to cancel your travel insurance policy, you have to submit a written application stating a valid reason to cancel. Along with the application you have to provide supporting proof to the insurance officer. After inspection your policy will be cancelled and a cancellation charge will be levied.

If our trip gets cancelled fo​​r some reason, does the policy cover my expenses?

Yes, trip cancellations are covered under family travel insurance policy, where you can claim the non-refundable amount of your travel up to USD 600.

What happens if I miss a connecting fl​​ight during my trip?

Under your travel insurance plan, you are covered for missed connections that allows you to claim a reimbursement of up to USD 500.

My father-in-law who is 72​ years old is travelling with me on a trip. Can he also be covered under the same policy?

Unfortunately no. This family travel insurance policy by Reliance General Insurance offers coverage only up to the age of 70 years.

What are the different methods o​​f online premium payment?

You can pay your premium online using a credit or debit card, unified payments interface (UPI), net banking, or other payment methods.

How can I save money on ​my insurance premium?

To save on your premium, here is what you can do:

  • Buy your policy online for exclusive discounts and offers
  • Buy your policy in advance for better coverage options
  • Customise your travel plan cover based on your travel needs

What is theaverage cost o​f family travel insurance?

Various factors influence the average cost of a family's travel insurance. The country you visit and the number of people you cover under your policy affect your premium amount. Also, the longer your stay, the higher the premium.

Can I get a discount on my premium amount?

Unfortunately there are no ongoing discount offers at Reliance General Insurance. We do however, offer extensive family coverage and high sum insured for a nominal price.

Is it possible for Reliance General Insur​​ance to settle claims abroad?

It is a straightforward process. We have a network of global third-party administrators (TPA) who will assist you in settling your claims abroad. This is subject to verification of all documents by our claims team.

How long will it take to settle my claim?

Approximately, claim settlement takes 30 working days from the date of receipt of the last document.

If I lose my baggage during transit, ca​​​n I claim it through my policy?

Yes, if your insured baggage is delayed for more than 12 hours, or lost, your family travel insurance plan offers a reimbursement up to USD 1500, depending on your policy coverage.

How does my policy cover tri​​p delays?

If your flight is delayed for more than 12 hours from the scheduled time, your travel insurance policy will reimburse you as per the agreed terms. The reimbursement ranges from USD 25 to 60 per day.

When my entire family is travelling with ​me, is my home covered from theft or burglary?

Yes, your family travel insurance plan will cover any losses sustained due to theft during your trip. Our home burglary insurance claim covers losses up to ₹3 lakh.

If my flight is hijacked, how does my fami​ly travel insurance policy help me?

In the event of a hijack, Reliance General Insurance offers a Hijack Distress Allowance of up to USD 125 for a maximum of 7 days. This allowance can be claimed if the event lasts for more than 12 hours of your scheduled arrival time.

What documents are required for claim settl​ement?

Submit these documents for a travel insurance claim with Reliance General Insurance:​

Complete KYC

PAN card/Form 60

Original ticket, boarding pass, a copy of your passport with the mentioned travel dates, and the claim form for every claim. 

Original bills, reports and discharge summary (if hospitalised).

Official death certificate and a physician’s declaration stating the cause of death.

For loss of passport claims, submit a police record obtained within 24 hours of the loss or theft. Submit original bills for expenses incurred for a new passport. 

In the event of loss of checked-in baggage, a property irregularity report is issued by common carriers. If applicable, a letter from the airline stating the compensation received for the lost luggage. 

For a personal liability claim, submit proof of judicial decision given by a court of law.

​A claim for financial emergency benefit needs a police report filed within 24 hours of the awareness of the event occurrence. 

Is there a list of emergenc​y contact numbers for immediate assistance abroad?

You can use the below toll-free numbers to get 24x7 assistance:

  • Singapore and Thailand — 001-80099441111,
  • Hong Kong — 001-80099441111 and 006-80099441111,
  • USA — 18337426673,
  • Canada -011-80099441111,
  • Australia —0011-80099441111,
  • Japan — 001-010-80099441111 and 010-80099441111,
  • Israel — 00-80099441111 and 014-80099441111,
  • Greece —86002038017,
  • Argentina— 00-80099441111,
  • Austria— 00-80099441111,
  • Belgium— 00-80099441111,​
  • China— 00-80099441111,
  • Czech Republic— 00-80099441111,
  • Denmark— 00-80099441111,
  • France— 00-80099441111,
  • Germany— 00-80099441111,
  • Hungary— 00-80099441111,
  • Italy— 00-80099441111,
  • Malaysia— 00-80099441111,
  • Netherlands— 00-80099441111,
  • New Zealand— 00-80099441111,
  • Norway— 00-80099441111,
  • Philippines— 00-80099441111,
  • Poland— 00-80099441111,
  • Portugal— 00-80099441111,
  • South Africa— 00-80099441111,
  • Spain — 00-80099441111,
  • Sweden — 00-80099441111,
  • Switzerland— 00-80099441111,
  • Taiwan — 00-80099441111,
  • United Kingdom — 00-80099441111
  • E-mail: reliance@europ-assistance.in

What happens if I exhau​​st my sum insured during an emergency abroad?

If an accidental medical claim exhausts your policy sum-insured, we automatically restore it 100% back for your use.

How can I extend my trip​​ cover?

If your vacation gets extended for any reason, you can extend your travel insurance policy by downloading and filling out the ​Extension Form and Good Health Declaration Form.

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