If you are planning a holiday for you and your family, you should also consider buying family travel insurance. This is a policy which typically covers one to two adults, plus at least one child up to a maximum of eight children who are 18 years or younger and all live permanently at the same address. Family travel insurance has benefits that differ from buying separate insurance for each person and saves time as you will only need to buy one policy that covers the whole family.

Benefits of buying family travel insurance

When buying a family travel insurance plan, you may get extras such as a higher level of baggage company for instances where your luggage is damaged, stolen or lost while you are travelling or in transit. Some policies offer increased cancellation cover for family travel insurance which could be convenient if you need to cancel at the last minute due do something that is unavoidable such as your child getting sick. Several family insurance policies even offer free cover for children under a certain age. It pays to explore family travel insurance plans when booking your exciting family holidays.

What does family travel insurance cover?

As with all standard travel insurance plans, a family travel insurance policy covers baggage, cancellations as well as medical and emergency care for you and your family. Healthcare costs and hospital bills can be extremely costly, having cover for this gives more peace of mind. It is important to always disclose any pre-existing medical conditions to the insurer when applying for family travel insurance. If you do not disclose this, you or your family may not be covered for any complications or emergencies relating to your pre-existing illness.

Types of family travel insurance

When buying your family travel insurance policy, you will need to decide on whether you require single trip insurance or annual multi-trip insurance. If you are planning on only travelling abroad once that year, a single trip insurance policy should be all you need, whereas families who travel more frequently would benefit from an annual multi-trip policy. Annual travel insurance covers an unlimited number of trips for a whole year and is paid upfront for a 12-month period.

It is always advised to explore a range of quotations when buying travel insurance. You can save yourself money and get a higher level of coverage by simply comparing plans online.