Arranging a family holiday can be stressful enough without worrying about travel insurance. That’s why we make getting covered as quick and simple as possible.
All our family travel insurance policies include automatic cover for over 100 sports and activities at no extra cost.
What is family travel insurance and do you need it?
Family travel insurance is holiday cover for every member of the family, all under the same policy. Typically, family travel insurance will cover one or two adults and between one and eight children aged under 18.wubter
- A traveller visiting Thailand suffered a serious blood infection needing intensive medical treatment and an air ambulance back to the UK. The total bill was £250,000 paid by the travel insurer.
- A holidaymaker in Spain needed private medical treatment for a kidney infection. This cost £15,000, covered by her travel insurance.
- Real customer claims we’ve paid out include; £42,227 for a superficial head injury in Turkey, and £239,743 for a spinal fracture in the USA.
If you’re heading out with the whole family, costs can quickly stack up. Making sure you’re covered in the event of an emergency is a weight off your mind. We’ll also cover costs for other unexpected issues and mishaps, like losing your luggage or problems with your accommodation, leaving you free to make memories with your family, worry-free.
What does InsureandGo’s family travel insurance cover?
Planning a family holiday should be exciting, not stressful. With protection for medical emergencies, lost belongings, trip cancellations, and more, you can enjoy your holiday knowing you’re covered.
Plus, we offer 24/7 emergency assistance wherever you are. Find out how to tailor your policy to meet your family’s specific needs.
What’s covered
All our family holiday insurance policies include:
- Medical emergency expenses cover
- Cover for cancellation of your trip
- Our 24-hour emergency assistance team, available to call, day or night, wherever you are
- Over 100 sports and activities covered (see your policy wording for a full list of activities)
- Personal belongings and baggage cover
- Personal money, passports and travel documents cover
- Accommodation cover
- Legal expenses cover
- Delayed departure cover
- Personal accident cover
What’s not covered
We aim to provide as much cover as possible, however, there are some situations that travel insurance will not cover. For example:
- You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
- Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
- All of our family travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go
Find out about our optional add ons for activities like extreme sports, cruises and golf.
We will consider all pre-existing medical conditions, find out more about medical travel insurance. The excess and amount of cover available varies depending on the level of USA travel insurance you buy.
To check the policy exclusions and what is and isn’t included, make sure you have a look at our policy wording to see the full terms and conditions.
Age restrictions
We think family holiday insurance should cover the whole family. That’s why our policies have no upper age limit.
Valuables
The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered. If you’ll be taking away something a bit more expensive you can add our valuables extension.
What are the benefits of family travel insurance?
Family travel insurance is simpler and more cost-effective than taking out multiple single policies for each family member. Plus, it ensures everyone is covered under a single policy.
Some of the biggest benefits include:
- Affordability: Taking out several single policies for each family member can become expensive. With family travel insurance, everyone is covered under one cost-effective policy.
- Simplicity: One policy, one set of terms, one payment. It’s as simple as that. If you need to claim for any family member, you only need to do it once.
- Kids go free: We provide free cover to children under the age of 12.
- Cover for lost & stolen belongings: It’s not uncommon to misplace or lose items while travelling with family. With us, you’re covered for essential items like passports, luggage, gadgets and travel documents.
- Medical cover for the whole family: Covers emergency medical expenses for adults and children, including hospital stays and treatment.
How many children and adults are covered with family travel insurance?
Under our family travel insurance policy, two adults and their children (aged 17 and under) will be covered. This also includes foster children.
If one of your children turns 18 during the trip, they will still be covered. Any pre-existing medical conditions will need to be declared separately for each family member. We’re happy to walk you through this process.
The best family travel insurance for your holiday
All families are different, which is why we offer different types of insurance for every family. Not sure what policy is right for you? Here’s what we’d recommend.
- Doing one big family trip this year? Our single trip insurance may work out cheaper for you and your family.
- Heading out a few times? If you buy one of our annual multi-trip policies, you can travel as often as you like for an entire year!
- Doing a trip with family friends? If multiple families are travelling together, we can offer group insurance policies.
- Taking the grandparents? If you’re going on a multi-generational holiday, you can have kids, adults and grandparents all on one policy. Great grandparents too, if you like – our policies have no age limit.
- Doing something special? We can cover extreme sports, cruising and hiking for the entire family.
- Want to expand your current policy to other family members? We can help with that. You can either manage your policy online or give our team a call and we’ll be happy to help.
Choose a cover level to suit your travel needs
| Black | Gold | Silver | |
| Medical expenses and repatriation | Unlimited | £15 million | £10 Million |
| Cancellation and curtailment | £10,000 | £7,500 | £5,000 |
| Travel delay | Up to £650 | Up to £540 | Up to £450 |
| Personal belongings | £5,000 | £2,500 | £2,000 |
| Legal Expenses | £60,000 | £50,000 | £15,000 |
| Standard Excess | Nil | £50 | £60 |
How much does family travel insurance cost?
The cost of family travel insurance can vary based on a few factors, including:
- Where you’re going: If you’re travelling to a country with higher medical costs, like the US, your policy will cost more than it would in Europe. This is because US healthcare costs are among the most expensive in the world.
- How long you’re going for: The longer your trip, the more expensive your policy will be, as there’s more time for things to go wrong. If you’re going on several trips within a year, an annual policy is a more cost-effective option.
- What you plan to do: Going on a family safari? Fancy a river cruise with the kids? These will influence the cost of your policy. You may need additional cover for activities like extreme sports, scuba diving and skiing.
- If you’re travelling with pre-existing conditions: If you or one of your family members have a pre-existing medical condition, this can affect the price of the quote for the whole group.
Be sure to check your policy wording for a detailed breakdown of what you’re covered for.
Family travel insurance with pre-existing medical condition cover
We don’t think that having a pre-existing medical condition should get in the way of a holiday. This is why we cover more than 1,300 pre-existing conditions, many at no extra cost.
If you or a family member has a pre-existing medical condition, we can offer medical travel insurance. We’ll simply ask a few questions about the condition so you have more time to get on with your holiday planning.
Examples of medical conditions we can cover include:
- Heart-related conditions
- High blood pressure
- High cholesterol
- Diabetes
- Asthma
- Disabilities
- Epilepsy or Stroke
- Cancer
We consider a pre-existing medical condition if you’ve:
- Taken any prescribed medication or received medical treatment within the last 2 years
- Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
- Been advised of a terminal illness.
Before buying a family travel insurance policy, you must let us know about any pre-existing conditions you or your family members have. Just call us or use our quick and easy online medical screening system.
Which destinations are covered by our family travel insurance?
We offer family travel insurance policies based on the following destination groupings:
- The UK
- Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
- Worldwide (except the USA, Canada, Mexico and the Caribbean)
- Worldwide
*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey.
If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper.
If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us.
How to book our family travel insurance
We know planning a family holiday can be complicated, so we make getting your family travel insurance as easy as possible:
1. Let us know about your trip
We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover.
It’s quick and easy to give us this information, either online or by calling our team:
2. Get your quote
Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy or save the quote for the future.
“Family travel insurance is an easy, hassle-free way to make sure that everyone in your family is covered on family holidays. Simply get the kids in the car, and go. We can even cover grandparents, as our policies have no upper age limit. That’s a weight off your mind!”
Letitia Smith – Travel insurance expert
How to make a claim
Making a claim is quick and simple. For a full breakdown, head over to our Make a Claim page.
Otherwise, you just need to know these four simple steps:
1. Check your policy & gather documents.
- Review your policy to ensure your claim is covered.
- Gather key documents including your policy number, booking invoices, receipts, and any required reports (e.g., police report for theft, medical certificate for cancellations).
2. Report the incident.
- For medical emergencies, call our 24/7 helpline before receiving treatment.
- Report lost or stolen belongings to the police within 24 hours and obtain an official report.
- For baggage delays or damage, inform the airline or transport company within 3 days and request a Property Irregularity Report (PIR).
3. Submit your claim.
- Start your claim online or contact CSA Claims Handling within 30 days of your trip ending.
- Provide all necessary documentation, including completed claim forms and proof of expenses.
4. Await processing and updates.
- Once submitted, claims are typically processed within 3-5 days if all documents are provided.
- If additional details are required, we’ll let you know.
Our reviews speak for themselves
Here’s what our other customers have to say about us.
Frequently asked questions on travel insurance for families
Does family travel insurance cover individuals?
Yes, our family travel insurance policies cover any adults over the age of 18 who want to travel alone. If you buy annual multi-trip family travel insurance, every adult on the policy over 18 is insured to travel independently.
Can children travel independently on family travel insurance?
Any children under 18 need to travel with an adult named on the family travel insurance policy to be covered.
However, any adults over 18 who are named on the policy can travel abroad at any time to be insured. Every adult on the policy is insured to travel independently.
Do I need family travel insurance for a UK holiday?
We’d recommend getting family travel insurance for any holiday, including a staycation. While your medical costs would be free if you’re staying in the UK, family travel insurance also covers other holiday mishaps, such as lost luggage, delays and cancellations.
Is family travel insurance cheaper than individual insurance?
We tailor pricing on an individual level, so the price of each policy will vary based on the individuals in the family.. You also can’t buy an individual policy for under 18s, so a family or group policy is essential to cover anyone younger than this.
One of the main benefits is that the family policy is less hassle. You’ll only have one policy to look at, one set of documents, and one provider to contact in case of an emergency. That’s a lot less to worry about.
Does travel insurance cover cancellation due to family illness?
Need to cut your family holiday short due to illness? We know this is the last thing you’d want to think about when planning time away but if anything was to happen and you needed to cancel/shorten your holiday then know you’re covered.
When should I buy family travel insurance?
You should purchase family travel insurance as soon as you have booked your holiday. This is a great way to ensure that you don’t forget to buy it, and you can avoid a last-minute scramble to get a policy later.
If that’s not possible, simply buy a family travel insurance policy as soon as possible. Don’t forget that you’ll need to have a policy in place before you leave the UK for it to be valid.
How much is family travel insurance?
The cost of family travel insurance varies, as it will depend on a few different factors. An insurance provider will need to know how many people they’ll need to cover, what their ages are, and whether they have any pre-existing conditions. It’s also likely they’ll want to know where you’re going on your family holiday, and whether or not you’ll be doing any activities, such as extreme sports.
Do I need family travel insurance if we all have GHIC cards?
Yes, you’ll need family travel insurance even if you all have GHIC cards. The UK Government advises that all British nationals get the correct type of travel insurance before leaving the country.
The GHIC, formerly known as the EHIC, covers medical expense costs but does not insure you against anything else, such as transportation to and from a hospital, lost luggage, cancellations, delays or legal expenses.
Can I get family travel insurance as a divorced or separated parent?
Yes, our Family Travel insurance covers children (even if they do not live with you) and stepchildren. You will need to declare all their details, including medical conditions
Can I get a family policy for winter sports?
Yes! You can add winter sports cover to your family travel policy. This provides protection for:
- Emergency medical treatment. For skiing or snowboarding injuries, or any winter sport-related injuries.
- Lost, stolen or damaged equipment. This includes your own gear and any rented equipment.
- Piste closure compensation. If bad weather forces the slopes to shut, we’ll cover you.
- Ski pass cover. In case your ski pass is lost or stolen.
Can I get family travel insurance if I’m travelling as a solo parent?
Yes, solo parents can still take out family travel insurance. Our policies cover one adult travelling with their children (aged 17 and under).
Should I buy single trip or annual family travel insurance?
This depends on how often you plan to travel. For example:
Single trip insurance is ideal for families taking one holiday a year. It covers you for that specific trip only.
Annual multi-trip insurance is better for families who take multiple trips per year. It covers all family trips within 12 months, making it more cost-effective for frequent travellers.
How many trips can we take with family travel insurance?
If you choose an annual multi-trip policy, your family can take unlimited trips throughout the year! However, this will only cover you for 17 days of snowy fun.
Who can buy an InsureandGo family travel insurance policy?
All our family travel insurance policies are available to UK residents. This means:
- Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
- They must be in the UK at the time of buying
- All trips must start and end in the UK
Get a quote online or browse our policy documents for more information.
Travel insurance guides
Frequently asked questions
If you’ve got more questions about how our family travel insurance works, or more general travel insurance queries, have a read through our FAQs.
Travel advice
Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.
Travel insurance reviews
If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.