Family travel insurance guide

Compare family travel insurance from several insurers for some great deals.

Travelling with a family can fabulous, fun and frustrating! It can be difficult to get multiple adults from point A to Point B, combine this with some little people and things can get crazy. You plan and prepare for as much as you can - but we all know that even the best laid plans can fail. To avoid some of the frustration and much of the associated costs with travelling in a large group, some families opt to holiday separately or not at all.

Cost is an often the primary concern among family travellers. They need to budget for every detail to be sure they can afford accommodation, flights and fun for everyone. Often, they don't leave enough in the budget to cover unexpected expenses and that's when disaster strikes. If you are having a hard time paying for a trip for your family, can you imagine the hardship that a medical emergency abroad would bring?

You might be thinking you can’t afford travel insurance, but when faced with the possibilities, can you afford not to have it? The truth is most travel insurers offer travel insurance policies that have been specifically tailored to meet the needs of travelling families. Family travel insurance is cheaper than purchasing a separate policy for everyone in your party. However, if you don't take the time to shop around for the best deal and coverage, travel insurance for your family can cost you way more than it has to.

Your first step in choosing a travel insurance policy is to define your family and compare it to the insurer's definition of family. Most companies consider, for insurance purposes, a family to be two adults and up to four children. Again, what qualifies as a 'child' is open for interpretation among insurers. Most of them consider a child to be a financially dependent person under the age of 18. However, others make allowances for children up to 21 years of age, provided they are living at home and are not in full time employment. Some insurers cover kids for free on a single adult policy. The cover limits remain the same as for one adult, however cover is provided for the child and guardian.

Important benefits to consider when comparing family travel insurance is the allowances offered in terms of medical expenses, luggage and personal property. A policy with very limited coverage is, sometimes, not much better than no policy at all. Our travel insurance comparison allows you to compare a host of reputable insurers offering cheap family travel insurance. With so many variables, it really pays to do your homework and comparison shop whenever possible instead of locking yourself into the first policy that is presented to you.