What is family travel insurance?
A family travel insurance policy typically covers one or two adults who live at the same address, plus at least one child (up to a maximum of eight children) aged 18 or under who permanently lives with you.
Regardless of how your family is made up, always read the policy details carefully. Some policies may not cover family members who are travelling separately or children accompanied by a non-family member. And check what the policy says about children who don’t permanently live with you, such as stepchildren.
Frequently asked questions
What are the benefits of buying family travel insurance?
Family travel insurance could be a great-value option for you. It’s also simple – one policy that will cover the whole family is easier than buying individual policies for each family member.
If you buy family travel insurance you may also get:
- Extras: your policy may give you higher levels of baggage cover, alternative accommodation and increased cancellation cover
- A bonus: annual policy purchasers are sometimes allowed to travel without the kids within the year
- Free cover: some insurance providers offer free cover for children
What does family travel insurance cover?
Family travel insurance will provide you and your children with cover for:
- lost luggage
- cancelled holidays
- any medical care you or your family might need when abroad.
If you don’t have insurance and you or a member of your family falls ill or has an accident, you’ll be expected to pay for the cost of treatment yourself – and healthcare costs abroad can spiral out of control.
For example, according to the Association of British Insurers, when a 12-year-old girl caught pneumonia on a school trip it cost £32,000 to pay for a four-day hospital stay to treat her.
Today, the average medical claim is £1,300, while the average cost of annual cost travel insurance policy is £37.
What types of family travel insurance are there?
Is there anything to consider with family travel insurance?
When it comes to travel insurance for your family you need to consider the following three things:
- If you have only one child, getting couple and child cover may be cheaper than a family travel cover
- Sometimes you can invalidate your family cover if members travel independently or if someone not named on the policy travels with the kids
- Family cover will sometimes only cover children who permanently live at the same address as the policy holder
What other features should I look for in family travel cover?
All good family travel insurance policies will share certain ‘must-have’ features, including:
Medical cover – your policy should cover you for medical emergencies, the cost of any treatment, overnight stays and repatriation. Don’t make the mistake of thinking your [European Health Insurance Card (EHIC)] < https://www.comparethemarket.com/travel-insurance/ehic/> is enough if you’re travelling to Europe. An EHIC will only provide you with the same care offered to locals.
Cancellation and curtailment – this could help if you need to cancel or cut short your holiday.
Missed departure or delays – offers cover if your flights are delayed because of an insured event. You could also be compensated for any accommodation and additional travel expenses if you miss your departure because of an event out of your control. Policies differ, so check what’s covered.
Stolen, lost or damaged luggage – ensure you’ve enough insurance to cover the cost of your luggage. Don’t underestimate how much you travel with, especially if you have children.
Personal liability – this may cover the cost of any damage or injury you unwittingly cause while you’re away.
Do I need to mention any pre-existing medical conditions?
You'll need to answer a few questions about your family's health, including details about pre-existing medical conditions, before you get a quote for family travel insurance.
Where can I compare family travel cover quotes?
We can help you find the right family travel cover policy for you and your family. Just give us a few details about your trip and the family members you want to cover and get a quote in minutes.