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) |
---|---|
Croatia
|
£21.58
|
Egypt
|
£24.73
|
France
|
£22.32
|
Italy
|
£21.39
|
Portugal
|
£22.01
|
Turkey
|
£24.54
|
UAE
|
£34.76
|
UK
|
£19.12
|
USA
|
£39.98
|
1. Confused.com travel data – Average premium price paid by those who bought a 1 week policy between February to April 2022.
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
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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