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Family travel insurance

Compare holiday insurance for your family

  • Covers lost baggage and medical treatment

  • Includes cover for 2 adults and up to 8 children 

  • Compare some policies with covid cover

Can I get travel insurance that covers COVID-19?

Yes, you can still compare and purchase travel insurance with COVID-19 cover from Confused.com. All of our providers offer emergency medical treatment and repatriation (returning to the UK) for COVID-19 claims.

A number of our providers offer further COVID-19 related cover such as holiday cancellations and accommodation costs and denied boarding. Be sure to check the details of your policy carefully as different providers will offer different policy enhancements.

It's important to note that if you travel against advice from the Foreign, Commonwealth and Development Office (FCDO), you won't be covered by any travel insurance policy you buy.

What is family travel insurance?

Family travel insurance covers you and your kids when you go away on holiday. Plans typically include 1 or 2 adults, and between 1 and 8 children aged under 18. The children must live with you to be covered by your policy, but this can include stepchildren, foster children and adopted children.

The 2 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.

Once a child turns 18, they will no longer be included on the policy and will need their own separate insurance.

Depending on your policy, children under 18 may also need separate travel insurance if they’re going on holiday on their own or with another family member not covered by your policy. So you need to consider your needs for the whole year before deciding on the best type of family cover for you.

Why choose family travel insurance?

The main advantage of a family travel insurance policy is that it’s often much simpler than buying individual policies for everyone.

But there are a few more advantages too:

  • It’s often cheaper than buying individual policies, although for couples with 1 child this may not be the case, so do your sums carefully
  • Range of cover types available from single-trip cover, to annual travel insurance to backpackers travel insurance are all available as a family policy
  • Kids covered for free on certain policies, depending on your provider
  • Adult only cover often included, so parents don't always have to be travelling with their kids to be covered
  • Cover extras included as standard on some policies, including alternative accommodation or increased cancellation cover

What does family travel insurance cover?

Much like a standard travel policy, a family travel insurance policy normally includes cover for:

  • Cancellations cover if you need to cancel your holiday unexpectedly, or even if you need to cancel onward travel or accommodation
  • Emergency medical treatment is also included just in case you or anyone covered under your policy falls ill or gets injured while you’re on holiday
  • Lost baggage and possessions covers accidental loss, damage or theft of your baggage, other personal possessions, and money
  • Legal cover which can pay compensation for personal injury, illness or death which happens on your trip

Insurers offer varying levels of cover and some have restrictions about travelling individually and as a couple. So be sure to check the small print before buying a policy to make sure it suits your family’s needs.

Compare family travel insurance quotes

What countries does family travel insurance cover me for?

You can choose different policies depending on where you’re planning to go abroad.

If you’re buying single trip cover, pick the option that covers the country you’re flying to.

If you’re opting for an annual policy, think about all the holidays you’re planning to take throughout the year and choose the right level accordingly.

The standard options are:

  • Worldwide excluding Canada, Mexico, Caribbean
  • Worldwide including Canada, Mexico and the Caribbean
  • Europe only
  • Australia and New Zealand
  • UK only

Make sure you check which cover you have before you travel. If you are going to a country that is excluded from your policy, you won’t be protected if something goes wrong.

You also need to check the Foreign, Commonwealth & Development (FCDO) advice for the country you’re visiting. Your insurance might be invalid if you travel against government advice, for instance to a country where there is war or a high risk of terrorist attacks.

Expenses such as medical care also usually cost more in the US, Canada, and the Caribbean, so cover for these countries is normally more expensive.

You can try picking a policy that excludes them to help reduce costs if you know you won’t be travelling there.

How much does family travel insurance cost?

The cost of your policy depends on certain things, including:

    The number of people you want to insure
  • Any pre-existing medical conditions your party has
  • The ages of the adults and children you’re covering
  • Where you’re travelling to
  • How long you’ll be away for
  • Whether you opt for single trip or multi-trip

Although prices can vary, here's an idea of how much family travel insurance might set you back, based on where you're travelling.

Destination Average premium1 (2 adults, 2 children)

1. Confused.com travel data – Average premium price paid by those who bought a  1 week policy between February to April 2022.

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Should I take out single trip or annual family travel insurance?

Single trip cover means you’re insured for just one holiday. You typically give insurers the dates you’re travelling and you aren’t protected beyond this. If you go on another holiday, you’ll need to take out a new policy.

This cover level is ideal if you’re just planning one family holiday for the year. If you travel a lot, it can get expensive to buy a new policy each time.

Annual policies cover you for several holidays throughout the year. This means you’re protected each time you go abroad. It could save you time and money if you’re a family that travels regularly.

Although, you need to make sure the cover is broad enough to cover all the countries you’ll visit. If you’re planning a few trips, use a comparison site to check if single or annual cover works out cheapest.

Should I take out family travel insurance before I book my holiday?

Yes. It’s important to take out travel insurance as soon as possible, ideally before or immediately after you book.

Waiting until you’re due to travel means you won’t be covered if something goes wrong in the meantime. For instance, if one of your party becomes sick, there’s a death in the family or the travel provider goes bust.

Does family travel insurance cover pre-existing medical conditions?

Some insurers may not cover you if you already have a pre-existing medical condition, or if you have several conditions. Others may only offer insurance at a much higher price. These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.  

Some insurers may not cover you if you already have a serious medical condition, or if you have several conditions. Others might only offer insurance at a much higher price.

If you can’t find suitable cover, the Money and Pensions Service (MaPS) as set up a directory of insurers willing to cover customers with pre-existing medical conditions. Find them online, or give them a call on 0800 138 7777 for free impartial advice.

Compare family travel insurance quotes

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Need more help?

Does family insurance cover people travelling alone?

Similar to most insurance policies, there are certain things that may not be covered if you try to claim, including:

  • Alcohol or drug-related incidents
  • Travelling outside FCDO advice – check the government website before you go
  • Natural disasters and catastrophes
  • Not declaring any pre-existing medical conditions
  • Some policies will only cover children who permanently live at the same address

It's also worth noting that if people covered by your policy decide to travel on their own, then your policy may become invalid, and they won’t be covered. This varies so check your policy.

Does family insurance cover people travelling alone?

This can vary depending on the insurer you choose. But most annual policies will cover families who travel together or individually. Some restrictions apply for those under 18.

Does family travel insurance cover children over 18?

No, a family policy will only cover children under the age of 18 at the time of buying the policy. Once you reach the age of 18, you’re considered an adult and they would have to be listed as an adult on the policy or take out a separate policy.

What our travel insurance expert says

Having one family travel insurance policy is a lot easier to keep track of than having several individual travel policies. It’s also usually cheaper to cover everyone under the same policy, offering greater value for money.

Jac Morris signature

Jac Morris

Travel insurance product executive

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