When you have children it can more fun, or more hassle when you’re on holiday, and if something goes wrong you’ve not only got yourself to worry about. So, family travel insurance is the one you need to be looking at if you’re, as the name suggests, travelling with family. Rather than insuring each individual, family insurance for the whole group can work out a lot cheaper and instead of doing a form for each family it’s quick and easy to fill in everyone’s details all in one go. Many companies will even offer to let under 18′s or a certain number of children go free as a bonus extra, so research is always helpful to find the best sort of deals. Insurance companies know the value of a family holiday, so you’ll have no trouble finding a company willing to give you a good deal with value for money.
As well as insuring the people on your holiday, these policies cover the extra baggage you take and help with accommodation costs should you have any problems finding any. Plus, as standard, there is support for loss of possessions and protection against cancellations or hotel problems.
But what exactly is a family? To an insurance company it generally means two adults and up to four children under 18 years of age, so take into consideration the different policies for if you have more children or are a single parent family or even if you’re living at separate addresses as this can alter what you’re paying. As previously stated, some companies will ensure some children for free and some campsites and hotels will let one child sleep for free for every two adults- or similar sorts of deals.
Single trip and multi trip can both apply to family travel insurance and most companies will give you the option- so it’s best to think about realistically how often you’ll be going on holiday in the year so you can pick the insurance that is right for you. Also, consider that extra medical insurance to cover bumps and scrapes in the adventure playground! Because it’s your family you can’t afford to not have insurance as if something goes wrong it can be absolutely devastating if you can’t get the help you need quick enough and peace of mind in relation to this will ensure the only thing you need to worry about on holiday is whether or not the kids are wearing sun cream and if you’ve remembered to feed the cat before you go!