Berkshire Hathaway Travel Protection
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Berkshire Hathaway's ExactCare plans come in two flavors, Value and Comprehensive, and both offer free coverage for up to two children 17 and under per insured adult. This pricing structure makes the per-person cost genuinely lower for families with multiple children, not just in theory. The company carries an A++ rating from AM Best, signaling strong claims-paying ability even in a crisis thousands of miles from home.
Families with young children or retirees traveling with grandkids get the most value from this pricing model. The high AM Best rating matters significantly if a medical emergency occurs far from home, where you need confidence the insurer will actually pay what they promise without delay.