Compare Family Travel Insurance
Family Travel Insurance can save you thousands of pounds on medical costs and provide cover for your family’s luggage, money, and belongings. Find the best holiday insurance to protect your loved ones and compare quotes in minutes.
Who should read this?
This guide to family travel insurance was written by our team of travel insurance experts to help people travelling in the UK and overseas with children. We aim to answer all of the most common questions that parents ask about protecting their family when on holiday.
Find out more about family travel insurance.
Compare Cheap Family Travel Insurance
Family travel insurance protects you and your whole family against the costs of medical emergencies or medical treatment, and provides cover for your belongings. A family holiday insurance policy will usually cover up to two adults (living at the same address) and up to eight children (under 18 years of age).
It’s important to make sure that you’ve got comprehensive cover to protect you and your children when travelling abroad. Family travel insurance gives you peace of mind that your whole family is protected against:
- Medical emergencies
- Healthcare and medical expenses
- Lost or stolen property
- Accidents and accidental damage
- Cancellation and curtailment
European or worldwide family travel insurance will protect your loved ones in your chosen holiday destination. The top 5 holiday destinations for families include:
Note: Make sure that you read your policy wording carefully to make sure that your chosen destination is covered and that your whole family is protected. Some policies have specific terms that may exclude certain things, such as children travelling separately or children that don’t live with you (e.g. step children).
60 Second Summary – Compare the cheapest family travel insurance
Family travel insurance is a holiday insurance policy that protects your whole family when travelling abroad. This type of cover will be a single policy that will provide protection for you and your children for medical treatment, lost or stolen belongings, and cancellation.
When travelling overseas with children, it’s a very good idea to make sure that you have the best cover to protect your whole family.
- Not all holiday insurance policies automatically include children and some will only offer cover for children in certain circumstances, so it’s important to check carefully to see what you’re covered for before you travel.
- Family travel insurance policies are available from most of the usual holiday insurance companies and premiums will typically start from around £10 for a single trip policy.
- The best family travel insurance companies are AllClear, Ageas, Goodtogo, and Post Office, based on value for money and quality of cover.
- Compare family travel insurance premiums from the UK’s top holiday insurance companies in minutes with our online travel insurance comparison tool.
What is family travel insurance?
A family travel insurance policy is a single policy that provides holiday insurance for your whole family, including two adults and up to eight children. Family holiday insurance typically provides the best value for money compared to other travel insurance products.
You should make sure that you check your policy wording carefully to make sure that it covers everyone in your party. Some family travel insurance policies are different to others, so don’t assume that every holiday insurance company offers the same levels of cover.
Things to look out for with family travel insurance:
- Cover for children or adults living at a different address (not all policies offer this)
- Children or adults travelling separately (If any of your party is travelling alone)
- Friends of your children (will usually require their own cover)
Family travel insurance should protect you and your children when travelling in Europe and Worldwide travel destinations.
Why should I buy family travel insurance?
There are lots of reasons why you should take out a family travel insurance policy which would provide cover for your whole family when on holiday. If anything happens to you or your children, then you’d be able to claim the costs back on your holiday insurance policy.
Most common family travel insurance claims
- Children becoming ill and needing medical care (e.g. sickness, bugs, virus’s etc.)
- Accidents requiring medical attention for adults or children
- Travel delays or cancellations
- Lost or damaged luggage and belongings
Your policy would cover some or all of the costs of these issues and can save you thousands of pounds on your family holiday. We know that travelling with your family will already be costly and these extra expenses can be extremely distressing.
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What is the average cost of family travel insurance?
The average cost of a typical family travel insurance policy is between £24 and £28 for a single trip policy and approximately £65 for an annual or multi-trip policy. This is based on our research of over 100 family travel insurance policies from the top holiday insurance companies.
The cost of your policy will vary depending on:
Type of Policy: Single Trip or Annual Multi-Trip
A single trip policy should always be the cheaper option for a one-off holiday with your family. If you’re planning on more than two holidays with your family in a twelve month period, then you may want to consider annual family travel insurance cover.
Holiday destination: European or Worldwide cover
If you’re travelling to a destination outside of Europe (e.g. USA, Canada, Australia, Mexico etc.) then you should check to see if it is included on your policy. Some areas are covered on European travel insurance, so it’s worth checking before you travel.
Medical history: Pre-existing medical conditions
If any of your family has a pre-existing medical condition (e.g. diabetes, high BMI, epilepsy, heart conditions, cancer etc.) then you would normally pay a higher premium for your family travel insurance. It is important to disclose any pre-existing medical conditions on your application.
Sports and Activities: Winter sports cover
Thousands of families every year travel to holiday destinations, such as the Alps, to take part in winter sports and other activities. If your family holiday involves an activity or sport (e.g. skiing, snowboarding, mountain biking, sailing, diving etc.) then you should make sure that this is covered by your holiday insurance.
Number of travellers: Adults and Children
Families are all different and family travel insurance should cater for most dynamics (usually up to eight children and two adults). If you are travelling in a large group or if your family is made up of several different groups then you should check your policy to make sure that everyone is covered.
Below, are several examples of how much family travel insurance costs from our panel of holiday insurance partners.
Family Travel Insurance Price Comparison – Family of 4
| Age of parents | European travel insurance | Worldwide travel insurance |
| Both age 30 | £21.25 (single trip) £27.80 (annual) | £53.79 (single trip) £108.45 (annual) |
| Both age 40 | £23.75 (single trip) £33.23 (annual) | £64.79 (single trip) £108.45 (annual) |
| Both age 50 | £24.75 (single trip) £32.00 (annual) | £72.81 (single trip) £108.45 (annual) |
| Both age 60 | £29.90 (single trip) £48.30 (annual) | £93.00 (single trip) £155.26 (annual) |
Note: The cost of your policy can also vary depending on your own family circumstances and your chosen destination. These examples are for illustration purposes only and should not be used as an example of cost.
What is covered by family travel insurance?
Most policies will cover the basics and will offer protection for the most common things that can happen on a family holiday. Each policy will have different levels and limits, so you should just check to make sure that you are fully protected.
- Medical treatment and medical emergencies: if you or your family requires emergency medical treatment or medical care (e.g. medication, medical appointments etc.) then your policy should cover the cost of this. Even basic medical care can be extremely costly when travelling abroad, especially for children.
- Cancellation and curtailment cover: there are many reasons why you might need to cancel your holiday or return home early, and this is more common than you might think. Your travel insurance policy should cover the cost of this and any lost money from your unused holiday.
- Luggage, money and belongings: travel insurance should pay for the replacement or repair of any lost, stolen, or damaged items when travelling abroad.
NOTE: You might also want to get a free EHIC (European Health Insurance Card) or GHIC (Global Health Insurance Card) to make sure that you receive equivalent treatment and care to what you would get in the UK. These are not designed to replace travel insurance.
What isn’t covered by family travel insurance?
There are also several standard exclusions with most family travel insurance policies that you should be aware of.
- Under the influence: if you suffer an injury or if you’re involved in an accident whilst under the influence of alcohol or drugs then you won’t be covered.
- Pre-existing medical conditions: any medical conditions won’t typically be covered by a standard family holiday insurance policy, unless you disclose your medical history and declare it to your insurer.
- Sports and Activities: you will need to disclose any hazardous, dangerous, and extreme sports that you intend to take part in during your family holiday for these to be covered.
- Force majeure (natural disasters): most travel insurance policies will not include cover for natural disasters or forces of nature.
- Areas of conflict: there are some destinations that are considered to be dangerous to travel to (see FCDO guidance) and these are not typically covered.
- Acts of terrorism: in the unlikely event that you have been affected by an act of terrorism, then your policy may not include this in your cover.
Note: You should check your family travel insurance policy wording very carefully to make sure that it protects everyone in your party.
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What are the different types of family travel insurance cover?
There are several main options when buying family travel insurance including:
Other options include destination specific policies depending on where you and your family are travelling to:
- UK only
- European travel
- Worldwide (excluding USA, Canada, Mexico and the Caribbean)
- Worldwide cover
You will usually be able to select the appropriate options for your family travel insurance when you apply for cover.
How can I get a quote for family travel insurance?
It’s quick and easy to get a quote online for family travel insurance by using our simple comparison tool.
You will need to provide the following information:
- Dates of travel (from and to)
- Holiday destination
- Contact information
- Family details (e.g. names, DoB, and medical history)
- Cover requirements
