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Family Travel Insurance
By Mark Hooson
It's always important to make sure you are covered with a travel insurance policy when taking a holiday, but when it comes to travelling with your family, the extra peace of mind that comes from being protected is even more important.
An unexpected event such as a last minute cancellation or loss of luggage could ruin your dream holiday, but with family travel insurance you can ensure that each member of your party is covered for a number of eventualities for the duration of your trip.
Who is a family holiday insurance policy suitable for?
As the name suggests, family travel insurance cover is aimed at families travelling together, with the party usually consisting of two adults and up to four children (up to the age of 18), but this can vary from insurer to insurer so it's worth reading the small print to make sure there are no restrictions such as; age, whether the family lives at the same address and whether you are a single parent family.
If you travel with your family once or twice per year, a single trip family holiday insurance policy could be the most cost effective option when it comes to arranging comprehensive protection for all of the family at an affordable price.
Purchasing an individual policy for each member of the family can be prohibitive in terms of cost, and the time and effort you'll spend sourcing the cover, so it's much easier to get one policy that will cover the whole family.
To learn more about the pricing of travel insurance policies and how to choose the most cost effective policy, why not watch our video which can be found here.
Are there any other benefits to family travel insurance?
You may receive higher cover levels on a family policy and this could be in the form of additional baggage cover, higher cover level for alternative accommodation and increased cancellation cover.
Some policies also allow the adults to travel separately within the year if taken as an annual policy and a number of insurers also offer free cover for those under the age of 18.
Single trip, multi trip & annual, what's the difference?
When you purchase family travel insurance, you can choose to take it out as a single trip policy just before you travel. This will cover you for the duration of that holiday, expiring at the end of the dates you specify (usually a one or two week period).
If you travel once or twice per year with your family, a single trip policy purchased just before travelling can be the most cost effective solution. If, however, you travel 3 or more times a year with your family, this is unlikely to be the cheapest option.
This is where an annual or multi trip policy comes in handy; purchased once a year, annual family travel insurance will cover you for a number of trips within the 12 month period, meaning you can sit back and relax without having to worry about looking for holiday insurance each time you travel.
For example, you could take a two week holiday to Spain in May, have a weekend break in the Lake District in June, then a 2 week trip to Disney World in Orlando during the summer break, and this would all be covered under an annual travel insurance policy.
Tips for hassle free travelling with kids
Once you've found a cheap family travel insurance policy, you can look forward to your holiday knowing that your family is covered and start to imagine how you'll spend your days on that beach or catching those rays by the pool.
Travelling with kids can be a daunting prospect, especially when you have toddlers in tow, so it's important to plan ahead to minimise the risk of tantrums and increase your chances of having a relaxing holiday.
Follow these tips for hassle free travel and you'll have a much better time:
Get the kids involved in the packing process: it's all too easy to throw what you think your children will need in the suitcase, but is it what they really want?
Letting them decide what toys they want to take, and the clothes they want to wear will spare you those terrible tantrums on holiday and you'll be teaching them a valuable lesson in how to pack the essentials, an important lesson as they get older and have their own luggage allowance.
Long journey? Keep them entertained: If you have a long flight or road trip ahead of you, make sure you keep a number of their favourite toys to hand to keep them occupied.
Quantity over quality is important here as young children have short attention spans and quickly become bored of the toys they are playing with. With older children this is less of a problem and an mp3 player or handheld games console will usually do the trick.
Pack some snacks: Children soon feel hungry again after a meal so it's important to pack a variety of healthy, slow energy release foods such as nuts, cereal bars and fruit to minimise the risk of an empty stomach causing trouble.
Is getting a family travel insurance quote easy?
Yes, to arrange family travel insurance cover for your party, all you need to do is click on the get quotes button above, or click on the link below, and you'll be taken to our holiday insurance comparison service to begin your quote.
Once there, you'll just need to enter some simple details about your family such as; the dates you'll be travelling, the ages of each individual, the destination you'll be travelling to and you'll quickly begin to receive quotes from a variety of UK travel insurance companies.
You can tailor the policy to your needs by changing the amount in the key areas of cover - such as baggage and cancellation cover - and you'll quickly find a comprehensive policy at a competitive price.