What does family holiday insurance cover?
What are the benefits of family travel insurance policies?
- More baggage cover, alternative accommodation and increased cancellation cover
- Free cover for children
- Adults may be able to travel without children during the policy term
What types of family travel insurance can I get?
You can choose between single trip family travel insurance or annual family travel insurance. Both types work the same way as standard travel insurance policies, the only difference is that they cover the entire family.
The type of policy that you decide to take out will depend on how often you travel as a family and how long you go away for. If you go on multiple trips a year together, an annual family travel insurance will probably be your best option. However, if you tend to go on weekend city breaks more than weekly holidays, you’re probably better off taking out single trip policies each time.
Things to consider
- How big is your family? - If you only have one child, it may be cheaper to take out a couple’s travel insurance policy and an individual policy for your child.
- Who’s travelling? - You may end up invalidating your policy if members travel independently, you can find out more information about this in the terms and conditions of your family holiday insurance policy.
- Do your children live at the same address as you? - Many family travel insurance policies only cover children who live permanently at the same address as the policyholder.
What other types of travel insurance can I get?
The type of cover you need depends on where you’re travelling to, why you’re travelling and who you’re travelling with. Other types of travel insurance include:
- Single trip travel insurance – covers you for travel to one destination.
- Annual travel insurance – provides cover for multiple trips over 12 months.
- Winter sports travel insurance – if you’re planning on doing any winter sports, you’ll need extra cover.
- Over 65s travel insurance – if you’re over 65, you’ll need a specialist travel insurance policy in place before you travel.
- Cruise travel insurance – if you’re going on a cruise, you’ll need specific cruise travel insurance policy in place.
- Business travel insurance – provides specific cover for people that are travelling abroad for work.
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