Family travel insurance

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Covid-19 (coronavirus) – important information

From 17th May 2021, a travel traffic light system is being introduced and trips to green list countries will be legally permitted if you live in England. Strict border control measures will remain in place for your return to the UK.

Before you buy, you should consider the implications of your destination moving from a green list country to amber or red as you may incur additional costs and/or face travel restrictions that will not be covered by your travel insurance.

The traffic light rules only dictate what you have to do on returning to England – so even if a country is on the green list, you still need to check your destination's entry requirements and the Foreign, Commonwealth & Development Office (FCDO) advice for travelling there. If the Foreign Office has advised against travel to your destination and you still decide to travel, you will not be covered by any travel insurance policy you purchase.

A few insurers do offer cover If you are an essential traveller, however if you are in doubt or have any queries, please check the policy wording, or contact your chosen provider before purchasing.

Until dates have been set to permit non-essential international travel from Scotland, Wales and Northern Ireland it is important that you follow all the rules that apply to your country of residence.

What is family travel insurance?

Family travel insurance covers one or two adults and anywhere between one and eight children. They all have to live with you and be under 18.

Most policies also cover stepchildren, foster children or adopted children too. They can be yours, or your spouse or partners, as long as you both live together.

You can get family travel insurance for a single trip, or as a multi-trip policy.

You can get family travel insurance even if members of your family have pre-existing medical conditions - you just need to make sure you let the insurer know about them

Benefits of a family policy

Family travel insurance offers value for money, as it’s usually cheaper to insure everyone under the same policy, than taking out individual cover for each person.

Cover options that would normally cost extra might be offered as part of a family policy as standard, like alternative accommodation and increased cancellation cover.

The adults on an annual family policy don’t necessarily have to be travelling with their children to be covered, but this varies by policy.

Some family policies cover children below a certain age for free, but again this depends on your policy wording.

If you have one child, a couples travel insurance policy and a separate policy for your child might be cheaper than family cover. It's worth comparing the two and seeing which works out best value for money.

Some family policies won’t cover family members travelling independently, or children travelling with a non-family member. If your child needs to travel without you, you'll need to take out cover for them separately.

What does family travel insurance cover?

Family travel insurance includes cover for:

  1. Lost luggage and possessions

  2. Cancelled, delayed or curtailed holidays

  3. Medical treatment and repatriation

  4. Some adventurous activities

  5. Legal assistance

Family travel insurance policies offer European, worldwide and UK cover


You can get family travel insurance for trips in Europe, for example, France, Spain and Bulgaria are all covered.

A few non-EU destinations are also covered too, including Egypt, Gran Canaria, Norway, Switzerland and Monaco.

European travel insurance is usually cheaper than worldwide cover, so it’s worth checking to see if your destination is covered under one of these policies first.


Worldwide travel insurance covers you nearly anywhere in the world.

There are two categories of worldwide cover - including or excluding the USA, Canada and the Caribbean.

If you’re not travelling to America, Canada or the Caribbean, look for policies that exclude them as they’ll be cheaper.

You won’t be covered for travel to destinations the Foreign, Commonwealth and Development Office (FCDO) has advised against.


Cover for holidays in the UK is included in most family travel insurance policies.

It covers the costs of lost or stolen luggage and trip cancellation, curtailment and delays, but you’ll need to check the policy exclusions to see whether internal flights are covered.

You won’t get medical cover in your UK family travel insurance policy, as you’ll be treated for free by the NHS.

Frequently asked questions

  • When should I take out family travel insurance?

    As soon as you’ve booked your trip. That way, if you need to cancel it, your travel insurance could cover the cost.

  • How much does family travel insurance cost?

    In 2020, the average cost of a family travel insurance policy was £28.08 for single-trip cover and £58.74 for annual multi-trip cover.[2]

  • How do I get a doctor overseas?

    Before you travel, find out the emergency and non-emergency local healthcare numbers for your destination.

    It’s also worth researching the nearest medical facilities to where you’re staying, so you know where to go.

    If you’re ill or injured and are unsure what to do, call the non-emergency number or local medical advice line for guidance, or go to the nearest medical facility.

    Only call the emergency healthcare service in the event of a real emergency.

  • Does family insurance cover individuals travelling alone?

    Yes, some annual family policies do, but you’d need to check the cover details to be sure.

    Under-18s might be able travel on their own too, as long as they’re picked up and dropped off by a responsible adult.

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[1] introduces customers to which is authorised and regulated by the Financial Conduct Authority.'s relationship with is limited to that of a business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of use applying to those sites

[2]Average price purchased data recorded by for family policies with no medical conditions between 1 January and 31 December 2020.

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