If you ever wonder whether you even need the insurance for your baby, the only answer is -yes, of course, you do. There are very few insurance policies which can insure the child from the moment of his birth. In those early days, babies are very sensitive and traveling with such a small baby is considered to be of a high-risk. The most common condition is that your baby has a full 90 days when it becomes a candidate for a travel insurance.
The baby can be ensured privately, but also in the context of the family travel insurance. Standard health insurance covers only a small part of the costs if the baby happens to get sick abroad. However, if the baby’s condition is serious and requires an immediate return to the country, that can cost you a lot, and you will not be able to refund the money.
Trip Cancellation Insurance
The baby’s immunity develops and strengthens in the first months of its life. Therefore, the baby is prone to frequent colds and viral infections. If you take an insurance policy before booking a vacation or immediately thereafter, depending on conditions of homeowners insurance, you are covered in case of cancellation due to a sudden illness. This way, you will be able to take back the money you paid for the trip. Travel insurance policies taken after booking accommodation and transportation will not apply if your baby happens to get sick before the trip. Before going on a trip with a baby it is preferable to consult a pediatrician in order to keep the baby healthy, to ask what medications you should take with you and which vaccines are necessary.
What Type of Insurance Cover Does Your Family Need?
It is recommended that you be well-informed before signing the contract and also to make sure your policies cover contains the following:
- Medical and health cover for an injury or sudden illness abroad
- 24-hour emergency service and assistance
- Personal liability cover in case you’re sued for causing injury or damaging property
- Stolen and lost possessions cover
- Cancellation cover
- Extra covers -if you need it for activities that are commonly excluded from standard policies, such as winter sports.
These Tips Can Be Handy If You Plan To Travel With Your Baby
Travel insurance for babies mainly covers the costs of treating babies abroad, but does not cover the loss of the baby’s luggage. If you decide to travel with your baby, you could use the information that airplane fees for babies are not charged, but a travel insurance is mandatory. If it is a long and arduous journey, you can hold the baby in your lap, and in that case, they will charge you only 10% of the ticket price. Also, you will receive a canvas basket for the baby, to make the flight even more enjoyable both for the mom and the baby. Some airlines insist that you take your car seat and fasten it to the seat on the plane, so that the flight is as safe as possible, especially if it lasts for several hours. In this case, the seat will cost you about 65% of the ticket price for an adult.
Parents with babies board the plane before the other passengers. It is advisable to feed the baby or breastfeed it on a regular basis in the plane as if you were at home. The most important advice is to start the trip as rested as possible, both you and your baby.