Family travel insurance

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Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

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, like stepchildren.

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

When you declare medical conditions on our website, we’ll only show quotes from insurance providers who will cover all declared medical conditions, with no exclusions. 

MoneyHelper has launched a directory of insurance providers who may be able to provide quotes over the phone if you have more serious medical conditions. Find more information at MoneyHelper or by calling them on 0800 138 7777.

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 might also get:

  • Extras: your policy could give you higher levels of baggage cover, alternative accommodation and increased cancellation cover.
  • Free cover: some insurance providers offer free cover for children.

What does family travel insurance cover?

Family travel insurance could 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, running into thousands of pounds.

What types of family travel insurance are there? 

You can choose annual family travel insurance to cover you and your children if you’re going on more than one holiday, or pick a single trip policy to cover one break.

You can also choose a policy based on where you’re going:

What other features should I look for in family travel cover?

All good family travel insurance policies will share certain ‘must-have’ features, including:

  • Cancellation and curtailment – cover 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 – make sure you have 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 could cover the cost of any damage or injury you unwittingly cause while you’re on holiday.
  • Medical cover – your policy should cover you for medical emergencies, the cost of any treatment, overnight stays in hospital and repatriation. Don’t make the mistake of thinking your European Health Insurance Card (EHIC) or Global Health Insurance Card (GHIC) is enough if you’re travelling to Europe. They’ll only provide you with the same care offered to locals.

Frequently asked questions

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 one child, getting a couple’s policy and an individual policy for your child may be cheaper than a family travel insurance policy.
  • 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 policyholder.

Do I need to mention any pre-existing medical conditions?

You should mention all medical conditions when looking to purchase a policy. 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.

Will each family member need a GHIC?

Yes. Everyone, even small children and babies, will need their own GHIC card. They’re free of charge and you can apply online at the official NHS website.

Can I get a family policy for winter sports?

If you’re planning a winter holiday with the family, you can buy winter sports insurance as an add-on to your standard family travel insurance.

A good winter sports policy could cover you for activities like skiing, tobogganing, dog-sledding and even reindeer sleigh rides. Just make sure you check the list of covered activities before you buy the add-on.

Should I choose single trip or annual family travel insurance?

It depends on the types of trips you take and how often you travel as a family. If you travel more than once a year, there’s every chance that an annual family travel insurance policy will be your best option.

There are some things to consider, though. While you may travel more than once a year, are you all travelling together? To make it worthwhile, you should only take out an annual policy if you’ll all be travelling together.

The type of trips you take will also come into consideration. If your trips vary between far-flung adventure holidays and weekend city breaks, the levels of insurance required will vary significantly. Therefore, you may be better off taking out single trip policies, just to cover you for what you need.

For example, an annual policy that covers you worldwide will be more expensive than a European exclusive policy. So, it’s important that you consider what you really need before signing up for an annual policy.

Do I need family travel insurance for a UK holiday?

If you’re planning a family staycation, it’s still worth having UK travel insurance. Even though you and your family can get NHS treatment anywhere in the UK, you might still want cover for cancellations and baggage loss or damage.

Can I get family travel insurance as a separated or divorced parent?

If you’re separated or divorced and your children don’t live with you, some providers will still include them under family or single parent policies. Check the policy details or give the provider a call so you know exactly who’s covered before you buy.

When should I buy family travel insurance?

We recommend taking out family travel insurance as soon as you book your trip. That way you’ll be covered for any claims you may need to make before you go. This is especially important if you’ve paid for your holiday in full or have made deposits on flights, accommodation or any pre-booked activities or excursions.

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.

What do I need to get a quote?

To get a quote, you’ll need to give us some basic information about you and your family:

  • Where you’re travelling to
  • Dates of travel
  • Details about each family member you want to cover
  • Any medical conditions
  • Level of cover and excess limits
  • Any additional cover you want to add on.
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Author image Josh Daniels

What our expert says...

“Family travel insurance can offer better value for money as it’s often cheaper than taking out individual policies. But if you have just one child, then joint travel insurance for you and your partner, and a single policy for your child could be cheaper. Compare to see which offers best value for money.

The important thing is that you’re all protected. Travel cover is vital if you’re travelling abroad – especially when you’re holidaying with active kids.”

- Josh Daniels, Travel insurance expert

Why use Compare the Market?

We compare 40^^ travel insurance providers

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92%^ of users would recommend Compare the Market to friends or family

^^Correct as of March, 2022.
^For the period 1st June to 31st August 2021, 8944 people responded to the recommend question. 8,226 responded with a score of 6 or above, therefore 92.0% are likely to recommend.

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