Family and group insurance from DR. Discounts up to 15%. Children under 2 free.
Traveling with family is one of the most enriching experiences, creating memories that will last a lifetime. However, for Dominican parents and heads of household, planning an international trip, whether to the United States, Europe, or within Latin America, carries an additional responsibility: ensuring the health and well-being of every family member. A simple cold, a fall in the park, or food poisoning can quickly turn into a logistical and financial crisis if they occur far from home. Family travel insurance is not an expense; it is the fundamental investment that protects your peace of mind and your assets, allowing you to enjoy your vacation with the certainty that, no matter what happens, your family is in the best hands.
Executive Summary (TL;DR)
Our family travel insurance is designed for the needs of Dominicans. We offer automatic discounts of up to 15% for groups of 3 or more people, and children under 2 years old travel completely free. Coverage is individual, guaranteeing protection from $20,000 to $100,000 USD for each family member. For example, a family of four can be insured for a 7-day trip to the United States from just US$118.76 with our Standard Plan, taking advantage of the group discount.
Why is family travel insurance crucial and different?
When you travel alone, you can take certain calculated risks. However, when responsibility extends to your children, your spouse, and perhaps your parents, the risk equation changes dramatically. The dynamic of family travel presents unique challenges that a standard individual policy might not adequately consider.
Imagine this scenario: you're in the middle of Disney World, and your 5-year-old starts running a high fever and having difficulty breathing. At home, you'd know exactly which pediatrician to call and which emergency room to go to. In Orlando, you face an unfamiliar healthcare system, a potential language barrier, and, most alarmingly, astronomical costs. A simple visit to an urgent care clinic can cost over $500 USD, not including medications or tests. Family insurance provides you with a 24/7 lifeline in Spanish that guides you, coordinates medical care, and, most importantly, covers expenses directly, preventing a health emergency from becoming a financial catastrophe.
Risks and Frequency by Family Member
Each family member has a distinct risk profile, underscoring the need for comprehensive coverage that protects everyone equally.
| Family Member |
Main Risk and Common Examples |
Risk Frequency |
| Children (2-12 years) |
Sudden fevers, ear infections, stomach viruses, food allergies, minor fractures from falls in parks or playgrounds. |
High |
| Teenagers (13-18 years) |
Sports injuries (beach soccer, skiing), poisoning from unusual foods, accidents on adventure excursions. |
Medium |
| Adults (19-64 years) |
Traveler's stress, exacerbation of gastritis, back injuries from carrying luggage, sprains from walking on uneven terrain. |
Medium |
| Seniors (65+) |
Decompensation of pre-existing conditions (hypertension, diabetes), falls with risk of fracture, cardiovascular problems due to altitude or climate changes. |
High |
| Pregnant Women |
Unforeseen pregnancy-related complications (up to the permitted week), dizziness, need for precautionary medical consultation. |
Variable |
Baraglo Plan Comparison for Dominican Families
Choosing the right plan depends on your destination, travel duration, and family composition. Here are our options, all with individual coverage per person, so that each member is protected according to their needs.
| Plan |
Main Medical Coverage |
Ideal For... |
Price per day (approx.) |
| Visa Schengen |
$30,000 USD (€30,000) |
Dominican families traveling to Europe and needing to meet Schengen visa requirements. Covers the essentials for protection in the Schengen Area. |
$2.99 USD |
| Standard |
$35,000 USD |
The most popular plan for families traveling to the United States (Miami, Orlando, NY). Offers a perfect balance between cost and robust coverage for the expensive American healthcare system. |
$4.99 USD |
| Essential Plus |
$50,000 USD |
Families seeking extra peace of mind. Ideal for USA or multi-destination trips, providing a broader safety net for a small price difference. |
$5.29 USD |
| Premium |
$100,000 USD |
Long trips (+21 days), families traveling with seniors, or those who want maximum protection and peace of mind regardless of the destination. Superior coverage for any eventuality. |
$8.99 USD |
It is important to note that the Basic Plan ($20,000 USD coverage) is an excellent option for short trips to destinations with moderate medical costs such as Panama or Colombia, but it is not recommended or sufficient for trips to the United States or Europe.
Not sure which one is best for you? Get a quote in less than 60 seconds and compare the benefits of each plan for your family group. The price will automatically adjust with discounts.
Detailed Prices for a Typical Dominican Family (4 members, 7 days)
To give you a clear idea of the cost-benefit, we have calculated the price for a family of 4 (two adults, two children over 2 years old) on a one-week trip to various popular destinations. Prices already reflect the automatic group discount.
| Destination |
Recommended Plan |
Price per person (7 days) |
Total Family (4 pers.) |
Total with Group Discount (approx. 15%) |
| Panama / Colombia |
Basic |
US$22.33 |
US$89.32 |
~US$75.92 |
| Europe (Spain, Italy) |
Visa Schengen |
US$20.93 |
US$83.72 |
~US$71.16 |
| United States |
Standard |
US$34.93 |
US$139.72 |
~US$118.76 |
| United States |
Essential Plus |
US$37.03 |
US$148.12 |
~US$125.90 |
| Worldwide (long trip) |
Premium |
US$62.93 |
US$251.72 |
~US$213.96 |
💡 Savings Analysis: A family of 4 Dominicans traveling to Miami for a week can be fully protected with the Essential Plus Plan for approximately US$125.90 total. Considering that a single visit to an emergency room in Florida for a child's fever or a sprain can easily exceed $2,000 USD, the investment in insurance is minimal compared to the financial risk it eliminates.
Exclusive Policies for Families and Groups at Baraglo
We understand family dynamics and have created policies that simplify the process and maximize savings.
👶 Children under 2 years old — travel FREE
The youngest members of the family (babies under 24 months) are fully covered under one of their parents' policies at no additional cost. When quoting, simply indicate that you are traveling with a child under 2, and their coverage will automatically activate, enjoying the same benefits as the adult policyholder, including the maximum amount of medical assistance.
👧 Children aged 2 to 17
Children and teenagers pay the same rate and enjoy exactly the same full coverage as an adult. We do not apply restrictions or reductions in coverage for minors. This ensures that if a teenager gets injured playing, they are as covered as an adult who suffers a fall.
👴👵 Seniors (up to 85 years old)
- Travelers up to 74 years old: The standard price of the chosen plan applies, with no surcharges or additional age exclusions. Full coverage guaranteed.
- Travelers aged 75 to 85: To ensure the sustainability of coverage against a higher actuarial risk, a 50% surcharge is applied to the net price of the plan. It is crucial to note that, despite the surcharge, medical coverage remains complete up to the limit of the chosen plan, protecting grandparents when they may need it most.
Automatic Group Discounts: Smart Savings
Our platform is designed to reward group travel, whether with family or friends. You don't need codes or coupons.
| Group Size |
Discount Applied |
| 1-2 travelers |
Standard price |
| 3-4 travelers |
Up to 10% discount |
| 5+ travelers |
Up to 15% discount |
The system detects the number of travelers in your quote and instantly applies the corresponding discount to the total purchase. It's the simplest way to make family protection even more affordable.
Real Scenarios: The Cost of a Family Emergency Without Insurance
Abstract numbers don't always show reality. Let's look at three common scenarios and their financial impact with and without Baraglo insurance.
🏥 Scenario 1: Child with fever and vomiting at Disney World, Orlando
| Concept |
Cost without Insurance (Estimated in USD) |
With Baraglo Standard Plan |
| Pediatric consultation at an urgent care clinic |
$300 - $500 |
$0 (covered by insurance) |
| Prescribed medications (painkillers, rehydration) |
$50 - $200 |
$0 (covered by insurance) |
| Possible overnight hospitalization for dehydration |
$3,000 - $8,000 per night |
$0 (covered up to the $35,000 limit) |
| Potential Total to Pay |
$3,350 - $8,700+ |
~US$35 (7-day insurance cost) |
🦴 Scenario 2: Mom breaks her wrist in a fall on the streets of Barcelona
| Concept |
Cost without Insurance (Estimated in EUR) |
With Baraglo Visa Schengen Plan |
| Emergency room care + X-rays |
€400 - €800 |
$0 (covered by insurance) |
| Traumatic surgery if the fracture is complex |
€3,000 - €5,000 |
$0 (covered up to the €30,000 limit) |
| Pain medication and post-operative follow-up |
€200 - €500 |
$0 (covered by insurance) |
| Potential Total to Pay |
€3,600 - €6,300+ |
~US$21 (7-day insurance cost) |
👴 Scenario 3: 76-year-old grandfather with dizziness and decompensation in Madrid
| Concept |
Cost without Insurance (Estimated in EUR) |
With Baraglo Premium Plan |
| Ambulance call and hospital transfer |
€500 - €1,200 |
$0 (covered by insurance) |
| Emergency studies (electrocardiogram, blood tests, CT scan) |
€1,500 - €3,000 |
$0 (covered by insurance) |
| 2-day hospitalization for stabilization |
€1,000 per day (€2,000) |
$0 (covered up to the $100,000 limit) |
| Potential Total to Pay |
€4,000 - €6,200+ |
~US$132 (7-day insurance cost with 50% surcharge) |
Frequently Asked Questions (FAQ)
Q: How much exactly does insurance cost for my family of 4 traveling to the USA for 10 days?
R: The exact price depends on the plan, but as a reference, with the Standard Plan ($4.99/day), the cost for 10 days for 4 people would be $199.60 USD. An automatic discount of up to 10-15% would apply, bringing the total to approximately $169 to $179. You can get the exact price in seconds using our quote tool.
Q: I am Dominican and traveling with my family to Spain and Italy, what plan do I need?
R: For Dominican citizens traveling to the Schengen Area (which includes Spain and Italy), the ideal plan is the "Visa Schengen". It meets all the requirements demanded by embassies, such as minimal coverage of €30,000 and the inclusion of repatriation. This plan ensures you won't have immigration issues and will be protected during your stay.
Q: Do babies under 2 years old need their own policy?
R: No, it's not necessary. Babies under 2 years old travel completely free and are covered under the policy of one of the parents or legal guardians. You simply need to register their age when getting a quote, and coverage is assigned at no additional cost.
Q: Can I choose different plans for each family member? For example, Premium for my dad and Standard for me and my children.
R: Technically yes, you could make separate purchases. However, it is not recommended, as dividing the group into different purchases would mean losing the valuable automatic group discount that applies to 3 or more travelers in the same transaction. To maximize savings, it is ideal for all members to travel under the same plan.
Q: Is the $50,000 coverage of the Essential Plus plan for the entire family or per person?
R: This is one of our biggest advantages. Coverage is individual. If you purchase the Essential Plus Plan, each family member (father, mother, child 1, child 2) has their own fund of up to $50,000 USD for medical expenses. It is not a shared amount.
Q: How does 24/7 assistance work if my child gets sick in the middle of the night abroad?
R: It's very simple. You call the assistance number you receive with your policy. A Spanish-speaking operator will answer, assess the situation, and direct you to the nearest and most appropriate affiliated medical center. In most cases, we coordinate direct payment with the hospital or clinic, so you don't have to pay out of your pocket.
Q: Is there an age limit for family insurance?
R: There isn't a strict limit, but there are different pricing policies. We offer coverage at a standard rate up to age 74. For travelers aged 75 to 85, full coverage is available with a 50% surcharge on the base price of the chosen plan.
Q: Can I add a family member to the policy after I've purchased it?
R: Yes, provided the trip has not yet begun. You must contact our 24/7 assistance team as soon as possible to request the inclusion of the new traveler. An additional charge will be generated for the new policy.
Your family's peace of mind is priceless, but insuring it is surprisingly affordable. Don't leave the safety of your loved ones to chance. Protect your entire family today and enjoy automatic group discounts. Quoting is instant, and peace of mind is forever.
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