Why We Always Recommend Travel Insurance for Family Trips
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Travel insurance is one of those things you hope you never need, but when you do, it can make a stressful situation so much easier to navigate. When you’re traveling with kids, delays, illness, or unexpected changes hit differently. There are more moving parts, more logistics, and often a lot more money on the line.
Before having a kid, I’ll be honest, I sometimes skipped it. If something went wrong, I could pivot. Change plans. Eat the cost if I had to.
That’s just not the reality anymore.
That’s why travel insurance has gone from “nice to have” to non-negotiable for us.
And it’s also why we recommend it to every single one of our travel agency clients.
Some links in this post are affiliate links that support our site at no extra cost to you. This post is sponsored by Faye, however, my review of the insurance is entirely based on my own experience.
Why We Recommend Faye (and Actually Use It Ourselves)
The whole experience with Faye is built to be simple. You can get a quote quickly, everything lives in an app, and if something goes wrong, you’re not stuck trying to figure out who to call or how to file a claim.
It feels much more like using a modern travel tool than dealing with traditional insurance.
We recommend Faye to our Muse Bespoke Escapes clients as well, especially for higher-end trips where there’s a significant investment involved. When you’re booking five-star hotels, international flights, and complex itineraries, it just makes sense to protect that spend.
Faye also offers a ‘Cancel for Any Reason’ option, which allows for the most flexibility in case plans change.
Our Personal Experience Using Faye
I’ve used travel insurance before and never needed it, which honestly makes it easy to question whether it’s worth it.
Then we had a trip to Japan where things didn’t go according to plan.
I ended up needing to visit a local clinic and thankfully, I didn’t have to visit a prearranged clinic, and didn’t have strange paperwork that the doctor had to fill out. Instead, I simply uploaded the bill to the app and was reimbursed before the trip even ended., the process with Faye was straightforward and actually… worked.
It’s not about whether something goes wrong. It’s about what happens next if it does.
And having something in place that’s easy to use, responsive, and reliable makes a huge difference when you’re already dealing with a stressful situation, especially with a kid in tow.
A Real Experience From Our Community
It’s one thing to have your own experience. It’s another to see it happen for someone else, in a completely separate situation.
On one of my BMTM Adventures women’s trips to Africa, one of the travelers had a trip interruption. These are the kinds of situations that are stressful, emotional, and usually expensive.
She had a Faye policy and they fully reimbursed her without endless back and forth or disappearing into a black hole of claims processing.
That kind of real-world follow-through is why I feel comfortable recommending them, not just as a blogger, but as someone responsible for clients’ trips and experiences.
What Travel Insurance Actually Covers (and Why It Matters More With Kids)
A good policy can cover things like:
✈️ Trip cancellations or interruptions
🏥 Emergency medical care abroad
⏰ Travel delays and missed connections
🧳 Lost, stolen, or delayed baggage
When you’re traveling solo, you can often roll with these things.
When you’re traveling with kids, a missed connection might mean a meltdown, a lost bag might mean replacing half your packing list, and a medical issue abroad is something you really don’t want to navigate without support.
It’s not about expecting something to go wrong. It’s about being prepared if it does.
When We Especially Recommend It
We don’t think every single trip needs insurance.
But there are certain situations where we strongly recommend it:
- International travel
- Trips with multiple flights or connections
- High-end or non-refundable bookings
- Traveling with babies or toddlers
- Anything where losing the investment would hurt
If you’re putting a lot into a trip, financially or emotionally, it’s worth protecting.
The Bottom Line
Travel insurance isn’t the most exciting part of planning a trip.
But it’s one of the smartest.
We’ve used Faye ourselves on trips like Japan. We’ve seen it come through for our community on our Africa trip. And we recommend it to our travel agency clients every day.
That combination matters.
Because anyone can say something is “good.”
But seeing it actually work, more than once, in real situations, is what makes it worth trusting.
