Travel nursing offers a unique blend of adventure and professional growth, making it an attractive career choice for many healthcare professionals. However, if you’re a travel nurse with dependents, such as children or other family members, there are additional insurance considerations to address. In this article, we’ll explore the key factors you should keep in mind when it comes to insurance coverage for both you and your dependents during your travel nursing assignments.

  1. Comprehensive Health Insurance:

One of the most critical aspects of insurance planning for travel nurses with dependents is securing comprehensive health insurance. Here’s what you should consider:

  • Family Coverage: Ensure that your health insurance plan includes coverage for your dependents. Some travel nursing agencies may offer family coverage as part of their benefits package.
  • Coverage Continuity: Since travel nursing assignments can change frequently, it’s essential to choose a health insurance plan that allows you to maintain coverage consistently, even when moving between assignments.
  • Pediatric Care: If you have children, verify that your insurance plan includes pediatric care, including well-child check-ups and vaccinations.
  1. Child-Only Health Insurance:

If you’re a travel nurse with dependents but your spouse or partner has their insurance, you can explore child-only health insurance plans for your children. These plans are designed specifically to cover the healthcare needs of your kids.

  1. Life Insurance:

Life insurance is an essential consideration for travel nurses with dependents. It provides financial protection in case of your unexpected passing and helps secure your family’s future. Ensure that you have an adequate life insurance policy to cover your family’s financial needs, such as mortgage payments, education costs, and other expenses.

  1. Emergency Evacuation Insurance:

Travel nursing often takes you to different locations, including areas with different healthcare standards. Emergency evacuation insurance is crucial for ensuring that you and your dependents can quickly and safely return to your home country in the event of a medical emergency or crisis.

  1. Liability Insurance:

As a travel nurse, you may want to consider professional liability insurance, also known as malpractice insurance. This coverage can protect you in case of a lawsuit related to your nursing practice, ensuring that your family’s financial well-being remains intact.

  1. Dental and Vision Insurance:

Don’t forget about dental and vision insurance for your dependents. Many travel nursing agencies offer these as additional benefits, or you can explore standalone plans to cover your family’s dental and vision needs.

  1. Disability Insurance:

Disability insurance provides income replacement if you become unable to work due to injury or illness. Having this coverage can help ensure that your family’s financial stability is maintained even if you can’t work temporarily or long-term.

  1. Consult an Insurance Broker:

Navigating the complexities of insurance coverage for travel nurses with dependents can be challenging. Consider working with an insurance broker who specializes in healthcare professionals’ insurance needs. They can help you find the right policies and ensure that you and your dependents are adequately covered.


Travel nursing can be an incredibly fulfilling career, even with dependents. However, it’s crucial to plan and secure the appropriate insurance coverage to protect your family’s health and financial well-being. By carefully considering health insurance, life insurance, emergency evacuation coverage, liability insurance, and other forms of insurance, you can provide peace of mind for yourself and your dependents as you embark on your travel nursing adventures. Remember that insurance is an investment in your family’s future, and proper coverage can make all the difference in times of need.