Free Travel Insurance for Kids: Quick Guide

Why It Matters

Travel with children requires insurance. Medical evacuation abroad can cost $100,000+. Several providers now offer free coverage for kids, making family travel affordable.

SafetyWing: Best for Digital Nomads & Families

Free Coverage Rules

• 2 children under 10 = FREE (per family)

• Children 10+ pay adult price

• Minimum age: 15 days old

• Children must travel with insured adult

  
  

Pricing (4-week period, no US coverage)

Age Group	Cost	Per Day
10-39 years	$56.28	$2.01
40-49 years	$92.40	$3.30
50-59 years	$145.04	$5.18

Example: 2 adults + 2 kids under 10 = $112.56 per 4 weeks ($1.28 per person per day)

What's Covered

✅ Emergency medical treatment (up to $250,000)

✅ Hospital stays

✅ Emergency room visits

✅ Prescription medications

✅ Medical evacuation ($100,000)

✅ Emergency dental care ($1,000 max)

✅ Return of minor children if parent hospitalized ($5,000)

✅ Zero deductible

What's NOT Covered

❌ Pre-existing conditions

❌ Routine checkups (Essential plan only)

❌ Extreme sports (need add-on)

❌ Home country coverage (first 90 days)

❌ Trip cancellation (only $5,000 max)

SafetyWing Complete Plan (for routine care)

• $150.50/month per adult

• $99.50/month per child under 18

• Includes routine checkups, preventive care, maternity coverage

SafetyWing vs Competition

Provider	Free Kids	Cost	Best For
SafetyWing Essential	2 under 10	$56.28/4wks	Long-term travel, best value
Travel Insured	Up to 9	$155+	Large families, trip-based
World Nomads	7 dependents	$155+	Adventure sports included
Medibank (AU)	Unlimited	Variable	Australia-based families
Allianz OneTrip	1 free	Variable	Fixed trip dates

Real Scenario: Family of 4

SafetyWing Essential:

• Adult 1: $56.28

• Adult 2: $56.28

• Child 1 (age 7): FREE

• Child 2 (age 4): FREE

• Total: $112.56 per 4 weeks

Competitors average: $300-400 per 4 weeks

Choose SafetyWing If:

✅ Traveling long-term with young kids

✅ Want lowest daily cost ($2/day)

✅ Prefer flexible auto-renewing coverage

✅ Traveling outside home country

✅ Don't need routine checkups

Choose Alternatives If:

❌ Need trip cancellation protection

❌ Have children 10+ years old

❌ Want adventure sports included

❌ Fixed trip dates only

❌ Need higher evacuation limits

Bottom Line

SafetyWing Essential is unbeatable for families on extended travels. Two children under 10 travel completely free, making it the most cost-effective solution for digital nomad families.

• 24/7 Emergency Support: Available in multiple languages

• Can purchase while traveling: No restrictions on purchasing abroad

• Home country benefit: 30-day coverage back home after 90 days abroad