Family Travel Insurance
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Having a family often means learning to expect the unexpected, but the last thing you need is for an accident or other unexpected mishap to ruin your family vacation. That’s why it’s a good idea to look into family travel insurance before you set off, because a good policy can help you to put things right if something goes wrong while you’re overseas.
What is family travel insurance?
It’s a type of travel insurance that’s specifically designed for families, and in most cases these policies will cover up to two adults and at least one child travelling together. If you are travelling with several children a family policy can sometimes be the most cost-effective option, since some will cover children under 18 for free. However, it’s fairly standard for insurers to specify that everyone named on the policy must live at the same address – something to bear in mind if you’re travelling with children or stepchildren who live elsewhere.
Is there a maximum number of children that can be covered on a family policy?
Insurers set their own limits, but you’ll usually be able to add up to five children to your policy, although some insurance providers may let you insure up to eight. If your own insurance provider includes free coverage for children under the age of 18 it’s possible the maximum number of under 18s may be lower than the standard maximum, though, so it’s important to check this before you travel.
What types of family travel policy can I get?
The best family trip insurance policies should cover you and each of your loves ones for:
- Medical expenses – in case someone in your family has an accident or takes ill while you’re travelling.
- Repatriation – covers the cost of bringing your family back home in a medical emergency.
Cancellation or curtailment – compensates you if you have to cancel or cut short your family holiday. - Lost or damaged luggage – covers the cost of replacing your luggage if it’s accidently lost, damaged or stolen.
- Personal liability – pays for legal fees and compensation if you have an accident and someone blames you for their injuries or damage to their property.
How much does family travel insurance cost?
- Type of policy
Single trip policies are generally the cheapest but if you’re planning several holidays, multi-trip or long stay might be cheaper than buying several single trip policies
- Your holiday destination
Holiday destination will usually affect the price of your travel insurance. This is partly because medical fees are more expensive in some countries
- Optional cover
Most providers will offer you a range of add-ons to extend your cover for certain activities or situations. Adding these options to your policy will make your policy more expensive
- Medical conditions
Having a pre-existing medical condition may increase the cost of your travel insurance. However, you will invalidate your policy if you don’t tell your provider about any pre-existing conditions
- Trip length
With a single trip or a long-stay travel insurance policy, the length of the trip you’re planning will affect the cost of your travel insurance
- Excess
Excess is an amount that you agree to contribute when you make a claim. A higher excess will make your policy cheaper but will cost you if you make a claim
What are the benefits of choosing family travel insurance?
There are a number of benefits to taking out a family travel insurance policy rather than separate policies for different family members:
- Convenience: It’s a lot easier to manage a policy that covers multiple people than several single policies
- Cheaper: It can be cheaper to take out a group policy if you have multiple children that need cover
- Kid-free travel: Some annual policies will cover parents travelling without their children during the year
- Free cover for young children: Some policies will cover children under a certain age for free
Whether or not these benefits will apply to you depends on your circumstances and your chosen policy. It’s important that you read your policy documents carefully when you apply for travel insurance and speak to your provider if necessary to find out exactly what your policy will cover.
Can you travel alone with family travel insurance?
Yes, but it depends on what type of policy you purchase. If you buy annual multi trip family travel insurance, every adult on the policy over 18 is insured to travel independently. You don’t all have to go away together at the same time.
Single trip family travel insurance policies will not cover solo travellers because the policy is designed to cover one family holiday.
Children under 18 must travel with an adult named on the policy with each type of family travel insurance.
Terms may vary per provider, so it’s very important that you read your policy documents carefully to find out whether you have cover for solo holidays included with your policy.
What countries can I travel to with family travel insurance?
It’s important to realise that insurers group countries according to their own rules so it’s not always obvious what region a country falls under. For example, popular destinations like Egypt, Turkey and Morocco are often included under Europe rather than worldwide, even though those countries aren’t in Europe. To be on the safe side, always check that the policy you choose covers the country you’re visiting.
Europe
Worldwide including the USA and Canada
Worldwide excluding the USA and Canada
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