Traveling with children multiplies both the joy and the complexity. Medical emergencies with kids abroad are among the most stressful experiences a family can face. Here is how to choose the right family travel insurance in 2026.
Why Standard Individual Policies Are Inefficient for Families
Buying separate travel insurance for each family member is expensive and creates administrative complexity. A single family policy covers all members under one certificate, one payment, and one assistance call if something goes wrong.
What IATI Family Plans Cover
All family members under one policy. Medical coverage from EUR 50,000 per person per event. 24/7 pediatric telemedicine. Emergency evacuation including accompanying parent travel costs. Adventure sports for all ages. COVID-19 coverage for the whole family.
Child-Specific Coverage Features
IATI covers children from birth with no minimum age. Pediatric emergency care, including hospitalization and specialist referrals, is covered at the same level as adult care. If a child is hospitalized abroad and a parent must stay, IATI covers additional accommodation costs for the accompanying parent.
Planning a Family Trip: Insurance Timeline
Purchase insurance as early as possible after booking — before any trip components. This ensures the maximum coverage period. Carry printed and digital copies of your family policy certificate. Program the IATI 24/7 assistance number in all adult family members' phones before departure.
The Schengen Certificate for Family Visa Applications
Family Schengen visa applications require individual certificates for each applicant, including children. IATI issues separate certificates per person within a family policy. Each certificate shows the individual's name, coverage amounts and travel dates — exactly what each consulate requires.
Get covered before your next trip
Medical coverage from EUR 50,000, zero upfront payment, 24/7 telemedicine, instant certificate. Valid for all visa types in 200+ countries.
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