FAMILY TRAVEL INSURANCE
Plan your enquiry around the people travelling, your destinations and your dates.
One policy that protects your entire family for stress-free holidays.
Find tailored travel insurance at the right price by comparing deals from the UK’s leading insurance providers.
Search and compare quotes from trusted UK travel insurance providers and find the right protection for your next family holiday.
With Quays, you can compare policies side by side, see what’s included, and choose the right cover for your family’s needs and budget.
Family travel insurance is designed to cover two or more related people travelling together, usually parents (or guardians) and their children.
It protects everyone under one single policy, making it easier and often cheaper than buying individual cover for each family member.
Yes, most UK insurers set a limit on how many children can be included under one family policy.
Typically, you can cover up to four dependent children under the age of 18 (or 23 if they are still in full-time education).
Some insurers offer flexibility, for example, including stepchildren or foster children as long as they live at the same address
You can choose between single-trip and annual multi-trip family travel insurance, depending on how often you travel as a family.
The cost of family travel insurance varies depending on factors like:
Family policies generally cover one or two adults plus their dependent children. The more people included, the higher the premium. However, it’s still usually cheaper than buying multiple individual policies because insurers offer a discounted rate when you bundle everyone together.
Travelling within Europe is usually cheaper to insure than going to long-haul destinations like the USA, Canada, the Caribbean, or Asia. Regions with expensive medical care or higher risks naturally attract higher premiums. So, a trip to Spain will cost less to insure than a two-week holiday in Florida.
The longer you stay away, the more you will pay for insurance. That’s because longer trips carry more risk, you are simply exposed to more potential issues like lost luggage, medical emergencies or cancellations. Short weekend breaks usually cost the least.
Single-trip family policies are typically cheaper upfront, but annual multi-trip cover may be more cost-effective if you travel several times a year. Comprehensive plans with higher limits or additional extras, such as gadget cover or cruise cover, will also increase the price.
Higher medical limits, cancellation protection, or extras like winter sports cover will raise the premium. Basic policies cost less, but always make sure the cover is enough for your family’s needs, especially if you are travelling with young children.
If any adult or child on the policy has a medical condition, you may need to pay more. This covers the cost of emergency treatment abroad or trip changes linked to the condition. Some insurers specialise in medical cover, so it’s worth comparing quotes.
Extras such as gadget protection, travel disruption cover, missed connection cover, or cover for adventure activities all increase the cost. These are optional, so you only pay for what you actually need.
Family travel insurance comes with practical and financial advantages, including:
Yes, but there are a few things to note.
Some policies allow adults or children listed on the policy to travel independently, while others require the entire family to travel together.
For example:
Most insurers divide cover into three main regions:
Choose the option that matches your family’s holiday destination.
If you are planning multiple trips in a year, an annual multi-trip policy with worldwide cover can be more convenient, so you are protected wherever your next family adventure takes you.
Here are some simple ways to reduce your costs without cutting corners on cover:
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Yes. Family travel insurance usually costs less than purchasing separate policies for each family member because insurers apply bundled pricing.
Most UK insurers cover up to four dependent children on a family policy. Some providers allow more, depending on policy terms.
Yes. Children must travel with at least one insured adult for cover to apply. Solo travel by children is typically excluded.
Yes. Many family travel insurance policies allow insured adults to travel alone, while children remain covered only when accompanied.
Family travel insurance typically covers emergency medical expenses, trip cancellation, trip interruption, baggage loss or delay, travel delays, and personal liability for all insured family members.
Yes, but only if the medical condition is declared during purchase and accepted by the insurer. Undeclared conditions are excluded.
