From missed out on flights to lost possessions, a lot can fail when you’re taking a trip with kids. The very first error you could make? Stopping working to purchase travel insurance coverage that will secure your household versus the incidents that are (let’s face it) bound to take place.
Doubling your insurance protection from simply you and your partner to cover a household of 4 may look like a pricey endeavour, specifically because kids appear to be natural magnets for difficulty. Here’s the excellent news: household travel insurance coverage is less expensive than you believe.
I’ve searched lots of travel insurance coverage and compared their premiums, protection, and other advantages. Here’s my breakdown of the very best household travel insurance coverage strategies in Singapore that will offer you one of the most value.
1. TL; DR
The most economical household travel insurance coverage strategies are:
Household travel insurance coverage for niece, nephews, cousins, grandchildren, and other loved ones
The household travel insurance coverage prepares listed below permit you to consist of other relative in their household travel insurance coverage strategies; they require not strictly be you, your partner and your kid(ren ).
- Amex: Adults require not be related for single journey policies however need to be partners for yearly multi-trip policies. Kids should be lawfully depending on or lawfully embraced by among the insured grownups
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- DBS TravellerShield Plus: Child can be you and/or your partner’s kid, grandchild, niece, nephew or cousin; domestic assistants are likewise consisted of as relative in single journeys.Excellent Eastern: Child can be biological, lawfully embraced kids, or grandchildren for single-trip household strategies; yearly strategies cover just your biological or adopted kids.OCBC: Child can be biological, lawfully embraced kids, or grandchildren for single-trip household strategies; yearly strategies cover just your biological or adopted kids.Tiq by Etiqa: Adults require not relate, however need to be moms and dads or grandparents of the reliant kid(ren).Tokio Marine: The grownups require not relate, however the kid(ren) should be the legal kid or ward when it comes to a legal guardian, grandchild, brother or sisters, nephew, niece or cousin of either among the grownups.Zurich: The grownups require not belong, and can accompany kids, single grandchildren, nieces, nephews, or cousins.
Chubb: Child can be your kid or grandchild. Grownups require not be related for single journey policies however need to be partners for yearly multi-trip policies.
2. What is household travel insurance coverage?
Household travel insurance coverage describes a travel insurance coverage strategy that covers you and your household.
Next concern: what counts as a household? Unlike the household bundles at theme park and destinations, household travel insurance coverage does not always deal with just 2 grownups and 2 kids.
- Minimally, household travel insurance coverage describes you and 1 kid.Maximally, throughout all the insurance providers I surveyed, it can cover you, your partner, and approximately 18 kids.
The common measure? There’s at least 1 kid consisted of in the strategy.
Not every travel insurance company uses a particular household travel insurance coverage strategy that is branded. In some cases it’s marketed to you as a “family cover” (Income Insurance is an example), while some insurance providers just ask you the number of kids you’re taking a trip with when you’re asking for a quote.
Whether they include the word “family” or not, I believe 99 percent of insurance coverage companies that provide adult travel insurance coverage will likewise have the ability to offer you with a travel insurance coverage that includes your partner and kid(ren)-I’ve never ever discovered any that are unique to grownups just.
If you do not see the word “family” in a travel insurance coverage strategy, do not compose it off.
Keep in mind: In this post, I compare both take a trip insurance plan marketed for households in addition to travel insurance coverage that I simply got a “family” (I presumed 2 grownups + 2 kids) quote for.
3. Just how much does household travel insurance coverage expense per kid?
This may be the only time in your life that you see these words: the more kids you have, the more inexpensive household travel insurance coverage ends up being.
When it pertains to household travel insurance coverage, most of travel insurance providers do not care whether you’re taking a trip with 1 kid or 18-they’ll estimate you the very same insurance coverage premium as long as you have at least 1 reliant kid taking a trip with you. Some even cover your kid(ren) totally free! Kids aren’t that costly after all, eh?
Considering that you pay the exact same quantity no matter the number of kids you’re taking a trip with, the expense per kid is lower the more kids you have.
That stated, do bear in mind of total household limitations. These put a cap on the overall protection advantages a household can declare jointly.
4. Expenses vs protection: Comparing household travel insurance coverage strategies in Singapore (2026)
To assist you compare household travel insurance coverage in Singapore, I’ve priced each prepare for a household of 4 (2 grownups and 2 kids) on a 7-day journey to an ASEAN nation. The table listed below breaks down premiums, medical protection, journey cancellation limitations, and essential exemptions throughout numerous insurance companies in Singapore, so you can discover the most proper prepare for your household.
5. Are my moms and dads, brother or sisters and loved ones covered by household travel insurance coverage?
Your moms and dads, brother or sisters, cousins, aunties, uncles, and any other loved ones are normally omitted from household travel insurance coverage. You’ll understand it when you’re typing in info for a household travel insurance coverage quote on an insurance company’s site and see that the variety of grownups can be either 1 or 2 without any choice for greater numbers.
Case in point:
Aside from you and your partner, other grownups will need to acquire their own private or group travel insurance coverage rather. This can make getting quotes challenging since you’ll basically require to get 2 quotes if you’re taking a trip with both your kids and your moms and dads.
The simplest method to manage this is to utilize MoneySmart’s Singapore travel insurance coverage contrast tool for a complete quote for all adult and kids tourists in one click.
6. How do various travel insurance companies specify a household?
It’s crucial to understand who’s covered in a household travel insurance coverage due to the fact that this differs from insurance company to insurance provider. It’s much more crucial to keep in mind of if your kid is in between the ages of 18 and 25, as these are the ages at which insurance companies typically begin counting your offspring as an adult rather of a kid.
Typically, to be thought about a kid in a household travel insurance coverage strategy, they need to likewise be out of work and single. If they’re working and/or wed, they’ll be thought about as grownups.
If you’re taking a trip with your moms and dads or family members too, things get back at more complex. Extremely couple of travel insurance providers count moms and dads + kid(ren) + grandparents and more as a family; see the last column in the table listed below.
7. What’s the distinction in between household travel insurance coverage and group travel insurance coverage?
Household travel insurance coverage normally includes you, your partner, and your kids who are listed below 18 (e.g. MSIG, Starr) or 21 years of ages (e.g. FWD, Income, Singlife). Some insurance providers like FWD travel insurance coverage and Tiq by Etiqa extend the kid’s age limitation to as much as 25 years if they’re still studying in an institute of greater knowing on the date the policy protection starts.
In addition, you and your partner generally require to be wed, and your kids need to be your biological kids, legal stepchildren, or have actually been lawfully embraced.
Group travel insurance coverage covers a number of individuals taking a trip together in a group on the very same journey. They require not be related. The optimum variety of individuals differs depending upon the insurance coverage supplier. FWD’s limitation is simply 7 individuals, while Income Insurance and Singlife both have a limitation of 20. Group travel insurance coverage might or might not cover kids.
This short article was very first released in MoneySmart
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