Family Travel Insurance
One policy that protects your entire family for stress-free holidays.
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Find tailored travel insurance at the right price by comparing deals from the UK’s leading insurance providers.
Compare Family Holiday Insurance
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.
What is family travel insurance?
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.
Is there a maximum number of children that can be covered on a family policy?
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
What types of family travel policy can I get?
You can choose between single-trip and annual multi-trip family travel insurance, depending on how often you travel as a family.
- Single-trip family insurance Perfect for one-off holidays, whether it’s a week in Europe or a long-haul adventure. Your family is covered from the day you leave home until you return.
- Annual Multi-Trip Family Insurance Ideal for families who travel more than once a year. You will be covered for unlimited trips within 12 months, which can save time and money if you are planning multiple getaways. Some insurers also offer long-stay family cover for extended holidays, such as gap-year travel or visiting relatives abroad for several months.
How much does family travel insurance cost?
The cost of family travel insurance varies depending on factors like:
- The number of people on the policy
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.
- Your holiday destination
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 length of your trip
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.
- The type of policy you choose
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.
- Your chosen level of cover
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.
- Any pre-existing medical conditions
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.
- Optional add-ons
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.
What are the benefits of choosing family travel insurance?
Family travel insurance comes with practical and financial advantages, including:
- One simple policy: Cover everyone under one plan, no need to manage multiple documents or renewal dates.
- Cost savings: It’s often cheaper than buying individual cover for each family member.
- Tailored protection: Policies cover everything from medical emergencies to lost luggage, with options to add extras such as gadget cover or adventure sports.
- Convenience: One insurer, one premium, one point of contact, it’s easy to manage and easy to claim if anything goes wrong.
- Peace of mind: You can enjoy your family holiday knowing everyone is protected, regardless of age or activity level.
Can you travel alone with family travel insurance?
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:
- Some insurers allow a teenager covered under the policy to travel on a school trip alone.
- Others may only provide cover if at least one adult travels with the child.
What countries can I travel to with family travel insurance?
Most insurers divide cover into three main regions:
UK and Europe
Worldwide (excluding USA, Canada, and the Caribbean)
Worldwide (including the USA, Canada, and the Caribbean)
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.
How can I get cheaper family travel insurance?
Here are some simple ways to reduce your costs without cutting corners on cover:
- Compare multiple Quotes: Use Quays to compare policies from up to 15 trusted UK travel insurance providers in one place.
- Opt for annual cover: If you travel more than once a year, an annual policy is usually cheaper than buying separate single-trip cover.
- Adjust your excess: Increasing your voluntary excess can reduce your premium, just make sure it’s an amount you can comfortably afford if you need to claim.
- Check for family discounts: Some insurers offer family bundles or free child cover when you insure two or more adults.
- Stay organised: Booking early and declaring medical conditions upfront can help you access better deals and avoid higher premiums later.
- Search up to 15 different travel insurance providers
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Tips & Advice
Frequently Asked Question
What is family travel insurance?
Family travel insurance is a single travel insurance policy that covers parents or guardians and their dependent children under one plan for the same trip or multiple trips.
Is family travel insurance cheaper than individual policies?
Yes. Family travel insurance usually costs less than purchasing separate policies for each family member because insurers apply bundled pricing.
How many children can be included on a family travel insurance policy?
Most UK insurers cover up to four dependent children on a family policy. Some providers allow more, depending on policy terms.
Do children have to travel with adults to be covered?
Yes. Children must travel with at least one insured adult for cover to apply. Solo travel by children is typically excluded.
Can adults travel alone on a family travel insurance policy?
Yes. Many family travel insurance policies allow insured adults to travel alone, while children remain covered only when accompanied.
What does family travel insurance cover?
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.
Are pre-existing medical conditions covered under family travel insurance?
Yes, but only if the medical condition is declared during purchase and accepted by the insurer. Undeclared conditions are excluded.