What countries does family travel insurance cover me for?
The family travel insurance policy you choose depends on where you’re planning to go.
If you’re buying single-trip cover, you'll need to tell the insurance provider which country you're travelling to.
If you’re buying annual cover, 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 and the Caribbean
- Worldwide including Canada, Mexico and the Caribbean
- Europe only
- Australia and New Zealand
- UK only
Always check that you have the right cover before you travel. If you go to a country that isn't covered by your family holiday insurance, 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 family travel insurance might be invalid if you travel against government advice, like 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.
So don't buy a worldwide family travel insurance plan unless you really need it.
How much does family travel insurance cost?
The cost of your family travel insurance depends on a number of 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
Prices can vary, but here's how much family travel insurance could cost based on where you're travelling:
| Destination | Average premium1 (2 adults, 2 children) |
|---|---|
|
Croatia
|
£20.12
|
|
Egypt
|
£24.54
|
|
France
|
£21.98
|
|
Italy
|
£20.89
|
|
Portugal
|
£21.32
|
|
Turkey
|
£23.76
|
|
UAE
|
£33.76
|
|
UK
|
£18.76
|
|
USA
|
£38.91
|
1. Confused.com travel data – Average price paid by those who bought a 1-week policy between 2 May 2022 to 2 November 2022.
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What isn't covered by family travel insurance?
Family travel insurance may not cover:
- Alcohol or drug-related incidents
- Travelling outside FCDO advice – check the government website before you go
- Natural disasters and catastrophes
- Undeclared pre-existing medical conditions
- Children who live at different addresses
Does family insurance cover people travelling alone?
If people covered by your family holiday insurance ever travel on their own, they may need to arrange separate cover. This varies between providers, so check your 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
Travel insurance product executive
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What are the different types of travel insurance?
European travel insurance
it will cover you for any holidays that you've got planned in Europe this year.
Long stay travel insurance
is the perfect policy for those who plan to travel for an extended period.
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