What is family travel insurance?
Families come in all shapes and sizes – we know this and insurers have tried their best to cover the most ‘usual’ set ups with the various family policies that you can get. Single parents with children and a couple with a child can find policies specifically for their family combination in mind.
Policies will differ so you do need to read the small print but as a general rule a typical family insurance policy will cover two adults living at the same address who are in a relationship (married, engaged or in a relationship. Some policies state that the partner must have lived at the address for a minimum of six months) and up to eight children. The children need to be aged 18 or under and more importantly – they need to live with the policy holder permanently. If you’re separated or divorced and the travel policy is in your name but your children don’t live with you all the time – your kids might not be covered.
It seems harsh, but some travel insurance providers won’t cover children if they don’t live with the policy holder full time. The same goes for step children, if you have a family travel insurance policy, some of the insurers that don't automatically cover step-children may allow you to name them on your policy, sometimes at an extra premium.
You should also check what your insurance says about children travelling with family, friends or unaccompanied. Most family policies may not be valid for this sort of travel. Don’t make the assumption that because your kids are named in your travel insurance policy, that they’re automatically covered for any holidays without you.