The Right Travel Insurance for Children with Disabilities


Are you considering a family summer vacation? Whether you and your family are travelling abroad or within Canada outside your home province, you’ll want to know you’re protected. Through our partnership with Easter Seals Canada, we continue to recognize and learn the importance of having comprehensive coverage when travelling with family, including those with children with disabilities.

We’ve put together this blog, to discuss travel insurance options for families of children with disabilities, to help make the planning a bit easier.

Key Travel Insurance Definitions for families of children with disabilities

If you’re considering purchasing travel insurance for your family, be sure to check your insurance provider’s definitions of “Family” and “Dependent children”. With our Family and Friends travel insurance plan, we cover two adults and up to 6 dependent children or grandchildren of any age living with a cognitive, developmental, or physical disability.

Here are the full definitions of both terms from our Traveller policy wording:

“Family member” is defined as:

(Whether by birth, adoption or marriage) your legal or common-law spouse, parents, step-parents, brothers, sisters, fathers-in-law, mothers-in-law, brothers-in-law, sisters-in-law, sons-in-law, daughters-in-law, natural or adopted children, stepchildren, stepbrothers or stepsisters, grandparents, grandchildren, aunts, uncles, nieces, nephews, foster children or any individual of whom you are a legal guardian.

“Dependent children” are defined as:

Unmarried children who are dependent on a parent or guardian and are:

  1. Up to and including 21 years, if they are living with their parent or guardian; or,
  2. Up to and including 25 years, if they are attending an educational institution full-time, whether or not they are residing with their parent or guardian; or,
  3. Any age, if they have a cognitive, developmental, or physical disability, whether or not they are living with their parent or guardian.

Important Benefits of Emergency Medical Insurance for families of children with disabilities

TuGo’s Emergency Medical Insurance plan is an excellent option for Canadians travelling outside their home province, providing medical coverage for unexpected illnesses or injuries. Here are some of the many benefits the plan offers/covers:

As always, be sure to speak to your insurance broker; they will be able understand your needs and provide you with the best plan for you and your family.

Planning accessible travel

Now that you have a few pointers on travel insurance, you’re probably excited to plan! Check out our two-part accessibility guest blogger series: Planning Wheelchair Accessible Travel and Accessible Air Travel, to give you some ideas.

Happy travels,

Editor’s Note: This post was originally published in February 2015 and has been updated for freshness and/or accuracy.


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