Family Travel Insurance
Protect the whole family. Kids go free on most policies. Comprehensive cover for medical emergencies, cancellation, and luggage.
Family travel insurance — get a quoteFamily Policy Benefits
Kids Go Free
Children under 18 included at no extra cost on most policies
Multi-Child Cover
Cover all your children regardless of family size
24/7 Family Helpline
Medical and travel assistance any time, anywhere
High Medical Limits
Up to £10m medical cover for peace of mind
Cancellation Cover
Full refund if child illness forces cancellation
Gadget Protection
Cover phones, tablets, and cameras for the whole family
Family-Specific Features to Check
Child age limits
Check if teens still qualify for free cover
Childcare emergencies
Cover if you need to cut your trip short
School trip extensions
Some policies cover school trips too
Pushchair & pram cover
Expensive equipment worth protecting
Theme park ticket cover
Refunds if you miss pre-booked attractions
Choosing Family Travel Insurance
Family holidays create lifelong memories, but they also come with unique risks. Children are more prone to illness and accidents. You've got more luggage, more gadgets, and more at stake if something goes wrong.
Why Family Policies Make Sense
Individual policies for each family member add up quickly. Family policies bundle everyone together at a fraction of the cost. Most providers include children free—a significant saving for larger families.
Ages and Dependencies
Most policies define children as under 18 and in full-time education. Some extend to 21 or 23 for students. Adult children usually need their own policy. Check the specific definitions—they vary between providers.
Common Family Scenarios Covered
- Child becomes ill: Medical costs and trip curtailment
- Cancel due to chickenpox: Full trip cost recovered
- Lost pushchair: Replacement cost covered
- Family emergency at home: Return travel costs
Theme Parks & Attractions
Family holidays often involve expensive pre-booked attractions—Disney tickets, theme park passes, specialist tours. Make sure your policy covers these as "pre-paid costs" in case of cancellation.
Frequently Asked Questions
How many children can I include on a family policy?
Most family policies cover 2 adults and their dependent children (usually up to 4). Some providers offer unlimited child cover. Children are typically included free if under 18 and in full-time education.
What if my child has a pre-existing condition?
You must declare all medical conditions for every family member. Some conditions are covered automatically, others may require an additional premium. Never hide conditions—it voids your entire policy.
Are single parents covered by family policies?
Yes! Most family policies now cover single-parent families. You'll still get the benefit of free child cover. Some providers offer specific single-parent rates.
What happens if my child gets sick on holiday?
Contact the 24/7 assistance line immediately. They'll help find local medical care, authorize treatment, and handle paperwork. Most policies cover GP visits, hospital stays, and emergency dental treatment.
At what age do children stop being covered for free?
Most policies cover children free until age 18, or up to 21-23 if in full-time education. Check the policy wording carefully—some insurers have stricter age limits. Once they age out, they'll need their own separate policy.
Can grandparents take grandchildren on holiday under family cover?
Yes, many insurers offer grandparent policies that cover grandchildren. The children must be named on the policy and travel with you. Some require you to have legal guardianship for the trip duration.
Are baby essentials covered if our luggage is lost?
Yes, family policies typically cover emergency purchases for essential baby items like formula, nappies, and clothing if your luggage is delayed or lost. Keep all receipts and check the daily limit in your policy.
Does family travel insurance cover school trips?
Some family policies include school trip cover as standard or as an add-on. This covers your child when travelling with their school, even without you. Check if your policy requires teacher supervision to be listed.
More Insurance Options
Protect Your Journey
Family travel insurance covers the whole family. Most policies include free child cover and comprehensive medical protection.
Family travel insurance — get a quoteWe receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
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Protect your trip
Family travel insurance covers the whole family. Most policies include free child cover and comprehensive medical protection.
- Medical emergency coverage
- Trip cancellation protection
- Lost luggage assistance
We receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
Our team of family travel experts helps parents find the right insurance cover for holidays with children.