Family Travel Insurance

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Medical Cover up to
£15m
Personal Liability up to
£2m
Baggage Cover up to
£3,000
Cancellation Cover up to
£7,500
Medical Cover up to
£15m
Personal Liability up to
£2m
Baggage Cover up to
£3,000
Cancellation Cover up to
£7,500
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£4,000
Cancellation Cover up to
£7,500
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£3,000
Cancellation Cover up to
£5,000
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£2,500
Cancellation Cover up to
£3,000
Medical Cover up to
£5m
Personal Liability up to
£2m
Baggage Cover up to
£1,500
Cancellation Cover up to
£2,500
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£1,000
Cancellation Cover up to
£3,000
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
£1,500
Cancellation Cover up to
£1,250
Medical Cover up to
£10m
Personal Liability up to
£2m
Baggage Cover up to
N/a
Cancellation Cover up to
N/a

Family Travel Insurance

It’s always important to make sure you are covered with a travel insurance policy when taking a holiday, but when it comes to travelling with your family, the extra peace of mind that comes from being protected is even more important. Buying family travel insurance rather than separate policies could save you time and money, and some family travel insurance providers even offer FREE travel insurance for kids when you ensure one or more adults.

Why choose family travel insurance?

As the name suggests, family travel insurance cover is aimed at families travelling together, with the party usually consisting of two adults and up to four children. However, some policies cover children over 18 who are still in education (such as university or college students), and some policies cover a higher number of children or adults. These differences are just one of the reasons why it is worth comparing different family travel insurance providers to make sure that you get the right cover for your family.
If you travel with your family only once or twice per year, a single trip family holiday insurance policy could be the most cost effective option when it comes to arranging comprehensive protection for all of the family at an affordable price. However, if you plan on taking several trips in a year, an annual family travel insurance policy may prove to be a more purse-friendly option. In order to find the best family travel insurance rates, it makes sense to compare a variety of travel insurance options before choosing one to cover your family.
Benefits of family travel insurance
  • Higher levels of cover for families – You may receive higher cover levels on a family policy as there are more people to be covered – this could be in the form of additional baggage cover, higher cover level for alternative accommodation and increased cancellation cover.
  • Sports and activities cover – A family holiday with people of different ages and interests could involve lots of different activities from sightseeing to scuba diving, so many family travel insurance policies cover a wide range of sports and activities as standard.
  • Kids go FREE – A number of insurers also offer free cover for those under the age of 18. If you’re buying travel insurance for your family, named dependent children under 18 are often covered for free as long as they are travelling with a parent, grandparent, uncle, aunt or legal guardian.
  • Cover for children over 18 – some family travel insurance providers allow you to include children aged 18 and over and in full time education on your family travel insurance policy.
  • Cover for family members travelling separately – Some policies also allow the family members to travel separately within the year if taken as an annual policy. This could mean that parents are covered for business trips while children are covered for school trips abroad during the year, all on one family travel insurance policy.
Our free travel insurance comparison can help you to compare a number of family travel insurance quotes, compare:
  • The best family travel insurance rates
  • Online discounts on offer
  • Family travel insurance policies for pre-existing medical conditions
  • Additional and optional features
Just click on the links in the free table above to compare a number of family travel insurance policies, many of which include medical expenses and cancellation cover.

Why do I need travel insurance?

It’s very easy to get so caught up in planning your trip that you neglect to buy travel insurance – or just buy the first no-frills policy you can find, which isn’t much better. After all, none of us like to think about something going wrong on our travels. But here are few good reasons why you should always take the time to buy an appropriate travel insurance policy before you set foot on a plane:

  • Your flights could be delayed or cancelled: This may not be a life-or-death situation, but it’s still a major irritation – no one wants to have to hang around an airport for longer than is absolutely necessary. Many policies will compensate you if your flight is delayed for a certain length of time, or if it’s cancelled altogether.
  • You could become ill and need to go to hospital: Living in the UK with the benefit of NHS treatment, it’s easy to forget that much of the world’s healthcare systems operate on a pay-as-you-go premise – so if you need hospital treatment while on holiday and you don’t have adequate travel insurance, you could find yourself being discharged with a very large bill to pay. For example, if you break your leg while on holiday in the USA, your treatment could cost you a small fortune.
  • You could have an accident: If you’re planning on going skiing, snorkelling or skydiving, remember that many standard insurance policies won’t pay out for accidents that occur while taking part in ‘high-risk’ activities like those mentioned above. You will usually need to buy extra cover for these kinds of activities.
  • You might need to cancel your trip at short notice: If a family emergency or illness arises just before you’re scheduled to depart, you could stand to lose a lot of money if you need to cancel or postpone your journey. Check that your insurance provider covers you for as wide a range of cancellation reasons as possible.
  • Your possessions might get stolen: From major thefts to pickpockets in tourist hotspots, the risk of your money or belongings getting taken is a very good reason to ensure you’ve got the cover you need before you leave.
  • Your baggage might get lost or damaged in transit: Bags ended up in Tunisia rather than Toronto? Or has your suitcase arrived off the plane looking decidedly worse for wear thanks to careless handling in transit? A comprehensive travel insurance policy may mean you’ll be covered for these situations.

What’s covered by travel insurance?

The Foreign Travel Commission advises taking out a travel insurance policy that offers:

  • Medical and health cover for an injury or sudden illness abroad – with a minimum of £2m
  • 24-hour emergency service and assistance – useful if you get stranded
  • Personal liability cover – in case you damage something or injure someone and are sued
  • Lost/stolen possessions cover – look for a policy that covers both scenarios
  • Cancellation and curtailment cover – essential if you need to cancel or cut short your trip due to an unforeseen emergency at home
  • Terrorism – this is now covered by the majority of travel insurance policies, but check before you buy

What’s not usually covered by travel insurance?

The following are usually excluded from standard travel insurance policies:

  • Incidents related to drink or drugs
  • Incidents in which you have not taken reasonable care of your belongings – in the eyes of the insurance provider, you have a responsibility to do your best to ensure the security of your possessions or you won’t be covered

Types of travel insurance

  • Single trip – This will cover you for one trip, and is most cost-effective if you’re only planning on going away less than 2-3 times in a year.
  • Annual multi-trip – If you’re a frequent traveller, annual cover may be more cost-effective. This will usually cover you for an unlimited number of trips in a year, up to a maximum duration per trip (usually around a month)
  • Gap year/backpacker travel insurance – If you’re travelling for between three months and a year, you are likely to need specialist backpacker or gap year insurance, which is offered by many providers.
  • Winter Sports/Hazardous activities cover – You’ll need to take out extra cover for activities that are commonly excluded from standard policies – if you’re going skiing, bungee jumping or mountaineering, look for a policy that covers hazardous activities.
  • Specialist cover – if you have a pre-existing medical condition or are over a certain age, you’ll often need to find a specialist travel insurance provider. Cover may be more expensive than standard because you’re deemed a higher risk by the insurance company.