Accompanying Dependants Coverage
Insurance extension that covers your family members travelling with you on the same policy — typically spouse and children under 18.
Insurance extension that covers your family members travelling with you on the same policy — typically spouse and children under 18.
Also known as
Family Travel Insurance, Dependant Add-on
Real-world example
You're moving to Spain for a year with your partner and two kids. Instead of four separate IPMI policies, one family policy covers everyone under a single premium, claim number, and renewal date.
Country-specific notes
🌍 Global
Most IPMI plans offer family rates.
Cigna Global, Allianz Care, and IMG Global all offer single-premium family policies that cover spouse and dependent children.
Family rate typically saves 10–25% vs individual policies.
🇺🇸 United States
Dependant definitions are strict.
US-based expat policies require dependants be listed, with stepchildren needing custody documentation.
Carry marriage and birth certificates when travelling as a family.
🇪🇺 European Union
Civil partnerships widely recognised.
Most EU-market policies treat civil partners identically to spouses for coverage purposes.
Same-sex partner cover is standard across EU insurers.
Frequently asked questions
What counts as a dependant?
Usually spouse or civil partner, plus children under 18 (or 21–23 if in full-time education). Some policies include partners regardless of marriage status.
Can I add a dependant mid-policy?
Some policies allow it for marriage, birth, or adoption without penalty — check the schedule. Otherwise dependants must be listed at policy start.
Family Plans in Nomedic let each family member store their own records while linking to the policy holder — instant access at any clinic.