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Family travel insurance

Jet off with the family with cover that gives you complete peace of mind

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  • Get cover for 2 adults and up to 8 children

  • Can be cheaper than individual policies

  • We compare up to 43 trusted travel insurance companies

What is family travel insurance?

Family travel insurance covers 1 to 2 adults and up to 8 children that all live at the same address.

The children can include stepchildren, foster children and adopted children. Once they turn 18, they no longer qualify for family insurance and need their own policy.

The adults don’t need to be married or in a civil partnership, but they do need to be in a relationship and live at the same address.

What are the benefits of family travel insurance?

There are several benefits to getting 1 family policy including:

  • It's more convenient - Buying 1 travel insurance policy to cover your whole family is a lot easier than buying multiple policies for each member.
  • It's often cheaper - It could work out cheaper having 1 policy to cover multiple children. If you have just 1 child, it's worth comparing the costs against buying separate policies.
  • Kids could get free cover - Some providers offer free child cover on their policies.
  • Kid-free travel - Adults could be covered to travel on this type of policy even if their kids aren't travelling with them.
  • Free policy extras - Some providers offer free add-ons such as alternative accommodation and increased cancellation cover.

What does it cover?

  • Cancellations - Any disruptions or cancellations to your flights or accommodation should be covered by your policy. If you're going on a package holiday and your travel provider goes out of business, ATOL protection means you're covered for that as well.
  • Emergency medical treatment - If you or a member of your family fall ill on holiday, this covers medical expenses you have to pay. This isn't a replacement for your Global Health Insurance card (GHIC) and should be used together with the right level of medical cover.
  • Lost, stolen or damaged baggage - It's important to make sure you've got the right level of cover if anything were to happen to your luggage. Think about how much cover you'll need to replace personal belongings you're taking with you.
  • Repatriation: If you fall ill on holiday and need to end your trip, family travel insurance helps cover the cost of arranging your repatriation back to the UK.

What doesn't it cover?

  • Travelling against Foreign, Commonwealth and Development Office advice - If they advise against travelling to a particular country but you do it anyway, you could find your travel insurance invalid.
  • If you have any children over 18 - Depending on your family travel insurance policy, children over 18 may need separate travel insurance. If they’re going on holiday alone or with someone not covered by your policy they'll also need separate cover.
  • Undeclared pre-existing medical conditions - If you have pre-existing medical health issues, you should let your insurer know to make sure you're covered.
  • Incidents involving drink or drugs - Accidents that occur while under the influence of drink or drugs aren't covered by your insurer.
  • Injuries from adventure sports - If you're planning to take part in any winter sports activities such as skiing, you’ll need to get extra cover to stay protected.

As with all policies, the level of cover you get depends on the provider you choose. Read your policy details carefully to make sure you have the cover you need.

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What our travel insurance expert says

"Insuring your whole family under a single policy is more convenient than balancing multiple individual ones, and it could work out cheaper too. Some travel insurance providers might even offer free child cover on certain plans."
Matthew Harwood, Home & lifestyle insurance expert at Confused.com
Home & lifestyle insurance expert Confused.com logo

What are the different types of family travel insurance?

Single trip travel insurance

This could be your best option if you’re planning your annual family holiday. It covers you and your family for 1 trip to a single destination for up to 2 weeks. These policies tend to exclude ski holidays as standard so you'll need extra cover for that.

Multi-trip travel insurance

Annual travel insurance or multi trip insurance is more suited towards families that take multiple holidays within a 12 month period. It covers your family for an unlimited number of trips in a year as long as each trip is limited to a maximum of 31 days.

We compare 43 trusted travel insurance companies to find you our best deals

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How much does family travel insurance cost?

Prices will vary depending on what part of the world you’re travelling to. For example according to our data, a family travel insurance policy to France would cost £16.701 but a trip to Egypt would cost £24.482.

The cost of your policy will also depend on a few other factors including:

  • The number of people you want to insure
  • Any pre-existing conditions your family members may have
  • The ages of the adults and children you’re covering
  • Where you’re travelling to
  • How long you’ll be away
  • Whether you buy single-trip or multi-trip family travel insurance

1Cheapest price for a family of 4 with no previous medical conditions travelling to France for 1 week. Correct as of February 2024.

2Cheapest price for a family of 4 with no previous medical conditions travelling to Egypt for 1 week. Correct as of February 2024.

What countries can I travel to?

You can get cover for most countries depending on what policy you choose. The 2 main types are European cover and worldwide cover.

European only travel insurance covers you for travel to all European countries. Depending on your provider it could cover some non-European countries like Turkey and Egypt.

Worldwide travel insurance covers almost anywhere in the world including Europe, Australia, Africa, Asia and the Middle East.

When getting a quote you can choose between worldwide excluding Canada, the Caribbean, Mexico and the USA or worldwide including Canada, the Caribbean, Mexico and the USA.

How do I get a quote?

You just need to follow a few steps to start comparing with us:

  • Select 'Get a quote' to fill in our quote form. We'll need a few details about you, your family and your trip.
  • We’ll compare up to 39 travel insurance companies to help you find the right policy for you and your family.
  • We’ll show you a list of quotes to choose from, with a Defaqto rating out of 5 stars next to each company. You can select 'more info' to find out if that provider is the right one for you.

Why choose Confused.com?

  • Founded in 2002, we have over 2 decades' worth of experience in insurance. Based in Cardiff, we help millions of customers with their travel insurance needs each year.
  • We’re regulated by the FCA as are the 39 travel insurance providers we work with. All of our providers are trusted brands so you’re in good hands whoever you choose.
  • Our customers have rated us ‘Excellent’ on Trustpilot.
  • Need any help? Our Cardiff-based team is here to help. Take a look at our contact page and get in touch.

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Page last reviewed: 16 February 2024

Reviewed by: Matthew Harwood

Confused.com’s Travel Insurance solution is provided by theIdol.com. theidol.com is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. theidol.com is part of the Legal & General group.

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