How to get travel insurance for your family
When going on a family holiday or trip abroad, you want to be sure that all members of your family are covered for anything that might go wrong. Family travel insurance covers everyone under one policy and can save you both time and money on your holiday, keep reading and we’ll take you through how it works.
What is family travel insurance?
Family travel insurance is exactly what it sounds like: travel insurance designed to cover your whole family under one policy. In addition to specific family travel insurance policies, you can also find regular policies that allow you to include cover for your children free of charge, but the level of cover will likely be lower than with a family policy.
If you only have one child, you may be able to save money by taking out a ‘couple and child’ policy. These are similar to family policies, but are tailored specifically in order to provide travel insurance for you, your partner, and one child.
How many people can be included in one family travel insurance policy?
All family travel insurance policies will provide cover for two adults and up to a set number of children. Different policies allow you to insure different numbers of children, with most allowing between 5 and 10 kids to be covered in addition to you and your partner. The definition of a ‘child’ is usually anyone under 18, but can sometimes include anyone below the age of 21.
What does it cover?
Before taking out a family travel insurance policy, the most important thing you need you need to know is the level of cover you and your family will have. Always read the terms and conditions of each policy for full details, but you will commonly find your travel insurance provides cover for:
- Medical expenses
- Repatriation costs
- Holiday cancellations
- Lost luggage
- Stolen/damaged valuables
What if one or more of my children are over 18?
If you have children over 18, it can be hard to find family travel insurance that will cover them. Some policies allow you to include children up to the age of 21 on a family policy, but this is rare. Usually you will need to take out a family insurance policy for you, your partner, and all children under 18, plus individual policies for each adult.
Family policies only allow for two adults on each policy. If you’re a single parent with a child that’s over 18 and other children under 18, you might want to check with your chosen insurer if you can include your oldest child as the extra adult on the policy so you can all get family coverage.
Are individual family members covered if travelling alone?
This depends on the policy you take out, but there are family travel insurance policies that will cover you if you’re taking a solo holiday as well as when travelling as a family. You may also find that if one of your children is travelling without you, but is being supervised by a responsible adult (such as on a school trip) then your policy will cover them.
How much does family travel insurance cost?
This is a hard question to answer because there are a lot of factors that affect the amount a family travel insurance policy will cost. These factors include the age of the oldest person covered by the policy, the type of policy you’re taking out/where you’re travelling to, and the level of cover you need.
The average cost of a travel insurance quote in the UK is £46.07, but the only way to get an accurate quote for travel insurance for your family is to fill out our form and get a quote tailored for your situation. The cost of anything going wrong abroad can be in the £10,000s - meaning that you should always take out an insurance policy before you travel abroad.
One thing to note is that if one member of your family is planning on travelling to the USA or Canada by themselves, then it is likely to be cheaper to look into taking out an individual policy for them and not include them in your family policy. Including coverage for trips to North America in travel insurance raises the cost substantially.
What types of family travel insurance policy are there?
Depending on how many children you have, where you and your family want to travel, and how often you holiday abroad, there are a variety of options when looking for family travel insurance. Here’s a quick summary so you can find the right insurance for you:
The most basic form of travel insurance, single trip policies will cover you and your family for one trip abroad and expire when you return. Simply select the date you leave and the date you return (do this before you leave as your policy will usually offer protection for possible outbound flight cancellations) and you’ll be covered for that time. You can find regular single trip policies that allow you to include your children for free on your policy in addition to family single trip policies.
If you’re planning on taking multiple trips over the course of the year, then annual multi-trip travel insurance is the right policy for you. If you take more than two trips a year, then these policies usually work out cheaper than taking out single trip insurance for each holiday, and you’ll save a lot of paperwork over taking out individual policies each time you travel. Depending on where you’re planning to go, you can take out three types of multi-trip insurance: Europe, Worldwide (excluding the USA, Canada, and the Caribbean Islands), and Worldwide (including the USA, Canada, and the Caribbean Islands).
Couple and child
If you only have one child, then you may be able to save money by taking out a couple and child policy rather than family travel insurance. These policies are designed to cover you, your partner, and one child. Not all insurers offer these policies, but it’s worth bearing them in mind if you want to compare your options, and you can always check if a provider allows you to add your child to a couples' travel insurance policy.
Group policies (for more than one family)
If you are travelling with another family and want to all be included under one policy, then some insurers offer group policies that will allow you to cover up to six children per adult on your holiday. Like with couple and child insurance, these policies aren’t offered everywhere, but if you’re going to be travelling with a lot of children they’re worth considering.
What if one of my family has a pre-existing medical condition?
Pre-existing medical conditions don’t necessarily make you ineligible for travel insurance, but they will usually mean an increase in the cost of your policy. If anyone in your family has a pre-existing medical condition, then it is very important you declare it to your insurer when taking out a policy. If you fail to do so, then your insurance will not cover you for any treatment related to that condition.
How do I contact a doctor overseas?
If you, your partner, or your children need urgent medical care, then you should get to a hospital as soon as you can. In Europe the number for the emergency services is 112, and the Foreign Office website lists all the numbers you’ll need for countries around the world. If you cannot understand your doctor, then be sure to ask for an interpreter.
When should I take out travel insurance for my family?
It is possible to take out travel insurance once you have already started your holiday, but this is not a good idea. Always book your family travel insurance before you leave, this way it will cover you for your outbound journey and be able to compensate you for any cancellations or long delays when travelling to your destination.
What if we all have European Health Insurance Cards (EHICs)?
The EHIC is in no way a sufficient replacement for travel insurance. Even if you’re travelling within Europe and all of your family has European Health Insurance Cards, you still need to be insured. This is for two reasons:
First, because an EHIC does not cover all European countries and only offers access to medical treatment available to citizens of the country you are in. This is likely to be quite basic, and you’ll likely have to pay towards your treatment. Family travel insurance policies provide you and your family with millions of pounds worth of medical cover, and also usually cover the cost of repatriation if somebody gets seriously ill or injured.
Second, because your European Health Insurance Card offers no insurance for anything except medical treatment. In addition to comprehensive medical cover, travel insurance will usually cover you for holiday cancellations, lost luggage, and the theft of money or valuables.
Should I get family travel insurance?
It’s up to you. If you’re going on a family holiday (or multiple family holidays over the course of a year), then family travel insurance is a great way of saving both money any time. These policies will provide cover for your entire family, so you can focus on enjoying your trip.
If you have a child over 18, or one of your family has a pre-existing medical condition, you may want to check if other types of insurance might work out cheaper. But in most circumstances, family travel insurance is the best option.
Can I get a quote right now?
Yes, easily. Simply click the link below and one of our trusted insurers will get you a great family travel insurance quote in minutes.