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What is Family Travel Insurance?
Family Travel Insurance is a comprehensive travel insurance policy designed to cover all members of a family traveling together. Here are the key features and benefits:
Coverage for All Family Members: Typically covers two adults and their dependent children under one policy, providing protection for everyone traveling together.
Trip Cancellation and Interruption: Reimburses non-refundable expenses if you need to cancel or interrupt your trip due to covered reasons such as illness, injury, or other emergencies affecting any family member.
Medical Expenses: Covers medical treatment costs if any family member falls ill or gets injured while traveling, including hospitalization and emergency medical evacuation.
Trip Delay: Provides compensation for additional expenses incurred due to significant delays in your travel itinerary, affecting any family member.
Baggage and Personal Belongings: Covers loss, theft, or damage to luggage and personal items for all covered family members.
Emergency Assistance: Offers 24/7 emergency assistance services, providing support for medical emergencies, travel issues, and more, for all family members.
Accidental Death and Dismemberment: Provides financial compensation in the unfortunate event of accidental death or severe injury to a covered family member during the trip.
Family-Friendly Options: Some policies may include specific benefits like coverage for child care expenses in case of hospitalization, or family-friendly activity coverage.
Cost-Effective: Generally, a family travel insurance policy is more cost-effective than purchasing individual policies for each family member.
Flexibility: Suitable for various types of travel, whether it’s a short vacation or a long holiday, domestic or international.
Family Travel Insurance ensures that all members of the family are protected against unexpected travel-related risks, providing peace of mind and financial security for an enjoyable trip.
What does Family Travel Insurance Cover?
Trip Cancellation
Emergency Medical Expenses
Missed Departure
Lost/Stolen Baggage
Valuables or Money
Personal Liability
Family Travel Insurance FAQ's
Frequently asked questions about Family Travel Insurance.
Typically, a Family Travel Insurance policy covers two adults and their dependent children, though some policies may also cover extended family members like grandparents if specified.
Family Travel Insurance generally covers:
- Trip cancellation and interruption
- Medical expenses and emergency medical evacuation
- Trip delays and missed connections
- Loss, theft, or damage to baggage and personal belongings
- Accidental death and dismemberment
- Personal liability
- Travel document protection
Coverage for pre-existing medical conditions varies by policy. Some policies may offer coverage if certain conditions are met, such as purchasing the insurance within a specific time frame after booking the trip.
Yes, Family Travel Insurance can be purchased for a single trip. There are also annual multi-trip policies available that provide coverage for multiple trips within a year.
The cost of Family Travel Insurance depends on factors such as the number of family members, the ages of the travelers, the destination, the length of the trip, and the level of coverage selected.
To make a claim, contact your insurance provider as soon as possible. They will guide you through the claims process, which typically involves submitting relevant documentation such as medical reports, receipts, and proof of travel.
Many travel insurance policies now include coverage for COVID-19-related cancellations, but this varies by provider. It’s important to review the policy details or contact the insurer to confirm the specific coverage.
Policies vary, but some insurers allow you to add additional family members to your policy after purchase. Check with your provider for their specific terms and conditions.
If a family member falls ill, contact the insurance provider’s emergency assistance service immediately. They can help arrange medical care, emergency evacuation, or any other necessary assistance.
Common exclusions may include:
- Pre-existing medical conditions (unless specified)
- High-risk activities without additional coverage
- Travel to destinations with travel advisories
- Incidents related to drug or alcohol use
- Non-disclosed medical conditions
Always review the policy terms and conditions for a full list of exclusions.
It’s advisable to purchase travel insurance as soon as you book your trip to ensure you are covered for any unforeseen events that might occur before your departure.
By understanding these common questions, you can better prepare and choose the right Family Travel Insurance policy to protect your loved ones during your travels.
Our Single Trip Family Travel Insurance
- Single trips of up to 365 days
- No upper age limit
- Cancellation cover up to £12,500 (£30,000 on referral) per person
- Baggage cover up to £3,000 per person
- Personal liability cover up to £2 million per person
- All travel companions can be included in the same policy
- Zero excess policies available
Medical Cover
- Pre-existing medical conditions considered
- Emergency medical and repatriation expenses up to £15 million
- 24/7 emergency medical assistance helpline – English speaking
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