Family travel insurance

What is family travel insurance?

Family travel insurance typically provides cover for one or two adults living at the same address, plus at least one child. It’s a great option for families travelling together because it covers you all under one policy, saving paperwork but also potentially saving you time and money.

If two adults are travelling under a family policy, they must be either married or in a relationship. You can add a maximum of 8 children to a policy. You can choose an annual travel policy which will cover your family for multiple trips throughout the year or choose a single trip travel policy if you’re just planning one holiday.

What are the benefits of a family travel policy?

A family travel insurance policy can save you money and it’s much easier than buying individual polices for everyone.

The other important benefits of a family travel insurance policy include:

• Enhanced Covid-19 cover for your holiday. When you get a quote, we’ll highlight the insurers and policies that offer this extra cover
• Cheaper than buying individual policies for everyone in your family that you’re travelling with
• Different cover types available from single-trip cover, annual travel insurance or backpackers travel insurance
• Young children are sometimes free to add to your family policy. If your children are under a certain age, some policies will allow them to travel for with no extra cost
• Adults don’t always have to be travelling with their children to be covered. This depends on your policy, we recommend checking the details of your policy before buying, as this can vary between insurers

What isn't covered by family travel insurance?

• Alcohol or drug related incidents as these will make your policy invalid
• Travelling outside FCDO advice
• Natural disasters and catastrophes are also excluded from most travel insurance policies
• Not declaring any pre-existing medical conditions and if you try to make a claim at a later date then it’s likely to be rejected
• Some policies will only cover children who permanently live at the same address
• If people covered on your policy decide to travel on their own, then your policy may become invalid, and they won’t be covered