Family travel insurance

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Coronavirus (Covid-19) - important information 17th May 2021

From 17th May 2021, a traffic light system will be used for overseas travel. This means trips to green list countries will be allowed, but only if you live in England or Scotland.

Wales and Northern Ireland haven't announced when non-essential international travel will be legally permitted, so it's important you follow all the rules that apply to you.

Before buying travel insurance, you should think about what could happen if your destination moves from a green list country to an amber or red list country. You may face extra costs and face travel restrictions that won't be covered by your travel insurance policy.

The traffic light system only tells you what you have to do when returning to England or Scotland, as there will be strict border control measures in place. So even if a country is on the green list, you still need to check your destination's entry requirements and the Foreign, Commonwealth and Development Office (FCDO) advice for travelling there. If the Foreign Office has advised against travel to your destination and you still decide to travel, you won’t be covered by any travel insurance policy you buy.

A few insurers do offer cover if you're an essential traveller, but if you have any questions, you should check the policy wording or contact your chosen provider before you buy.

We compare trusted travel insurance companies to find you the best deals.

What is a family holiday insurance policy?

A family policy provides cover for one or two adults living at the same address, plus at least one child. If two adults are travelling under a family policy, they must be spouse/partner.

It's a great option for families traveling together because it ensures you're all covered under one policy which could save you time and money.

What are the different types of family travel insurance?

Depending on how frequently you travel and the destination, it’s important to have the right holiday insurance for you and your family.

If you tend to take one or two breaks over the year as a family then a single trip policy might be the most cost-effective option. If you’re travelling a number of times in the year then multi-trip travel insurance might be more suitable.

You can also choose a policy based on where you’re going. For example, if you’re taking a stay-cation then UK cover is fine, but if you’re going further afield then you’ll need either European or worldwide cover to make sure you’ve got the right level of protection.

What does family travel insurance cover?

  • Lost luggage and possessions
  • Cancellations
  • Medical care or repatriation
  • Legal assistance
  • Some adventure activities

There are some other things you might want to think about when taking out family travel cover:

  • Some policies will only cover children who permanently live at the same address
  • Your policy may become invalid if some members travel independently.

Make sure to check your policy details or get in touch with the provider if you're unsure.

How much does family travel insurance cost?

Several things can affect the cost, including the size of your family, specific details of who is travelling and whether they have any pre-existing medical conditions.

Based on 2 adults and 2 children travelling to Spain the average cost of a family travel insurance policy is £20.17*. If you’re the only adult travelling with your kids the cover is likely to be cheaper, costing an average of £12.26 for one adult and two children travelling to Spain.

*Average cost quoted for a family policy between June-Nov 2019 on

What are the most popular family travel destinations?

Choosing the best destination for your family holiday can be confusing. If you haven’t decided yet, here are ten of the most popular destinations among families to help get you started:

1. Spain  39% 
2. Turkey  11% 
3. Greece  7% 
4.  France  6% 
5.  USA  5% 
6.  Portugal  4% 
7.  Cyprus  3% 
8.   Italy  2% 
9.  Bulgaria  2% 
10.  UAE  1% 

The most frequent countries covered by family policies, as declared by customers using between June-Nov 2019

It’s important to check whether you need to provide a visa or other form of entry to your chosen holiday destination. If you’re planning on going to the USA for your family holiday, you’ll need to complete an ESTAbefore your trip.

Along with entry requirements you’ll need to decide how you’re going to take money abroad. There’s always cash but pre-paid cards can be a safer option to take money overseas

When should I take out family travel cover?

It’s best to take out family travel insurance as soon as you’ve booked your holiday. Unexpected things can crop up so it’s important to have the right cover in case you need to cancel your trip. Accommodation and travel for families is usually more expensive so your policy may be able to compensate for some of the expense.

Saving money on your family holiday

Transport and accommodation seem to sky-rocket around the school holidays. It’s usually the only time families with children in education can go and some companies take advantage by hiking their prices.

Despite this there are still ways to save on flights and, believe it or not, the day you book your holiday could save you a pretty penny too. Lastly, if you’re flying then check the weight of your family’s bags before you head off, don’t let extra baggage fees eat into your spending money.

Compare family travel insurance

Sorting out travel insurance for your family doesn’t need to be confusing. The process is simple, straightforward and could save you money. Just fill out some details about your holiday and family then we’ll show you quotes from a variety of trusted providers. You can choose the policy that best suits your needs and also tailor the policy if you require any extra baggage allowance, for example.

If you have a serious, pre-existing medical condition

If you have a pre-existing medical condition, you can still get a quote through These conditions could include cancer, stroke, serious heart, respiratory and terminal conditions.

Some insurers might not cover you if you already have a serious medical condition, or if you have a number of conditions. Others might only offer insurance at a much higher price. If you're unable to find suitable cover, the Money and Pension Service (MaPS) has also set up a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) or you can telephone 0800 138 7777.’s Travel Insurance solution is provided by 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. is part of the Legal & General group.

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