Try Shockwave they have a free trail of Virtual Families if you want the full version though you are going to have to buy it.
go to alphagamerloads.com
I suggest the Sims games its one of the best ones out there for what your looking for
Babydow and Babyvalley are two virtual baby online games.
You can create you own school at Second life online virtual Game.
The only ones I know right now are, imvu,secondlife,i think meez , and virtual families. You can also pretend that you are raising a family on Habbo.
get a virtual snail at ziggysworldgame.webs.com or a horse at howrse.com
go 2 www.google.com and type in virtual hotel games online and chose any of the options
The sims.
Some virtual games includeClub PenguinRunescapeFantageDownloading games from yahoo games, or shockwaveXivioPolyvore (designing)Pixie Hollow (Disney Fairie game)Wizard101Club Pogo (online mini games)Miniclip (online mini games)
go to horwes.com
IMVU
Ourworld