Types of Family Travel Insurance
It’s easy to get confused about family travel insurance
, or even think you’re getting one type of coverage when you’re really getting another. There are three major types of travel insurance, and some plans cover just one area while others cover all.

Family Health Travel Insurance
This can vary wildly in what it covers, but is essentially insurance to cover any situations in which you or your family needs health care while traveling. Some insurance policies will cover the expense to return home, for instance, for treatment.

It is crucial you check with your own insurance company first to see what coverage you get and where while traveling. Be sure to specifically ask what is excluded from your existing plan (for instance, injuries during sports activities often times are not. You also want to ask about exclusions for any potential travel insurance plan you are considering. You are most likely to need this insurance if you will travel abroad with the family.

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Increase Your Deductible

Just like auto insurance, policies have deductibles, and the same rule of thumb applies–carry the highest deductible you can afford. The higher your deductible, the more premium credit you can expect to receive from your insurance company. Your savings could reach 25% by increasing the deductible from $100 to $1000.
Improve Your Home Security

Most insurance companies offer discounts for smoke detectors, burglar alarms, dead bolts, fire extinguishers, and Neighborhood Watch Areas. Homes with a fire and burglar alarm system hooked up to a third-party monitoring company receive higher discounts than homes with local bell alarms.
Consolidate Policies

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