Family Travel Insurance
We compare family Travel Insurance from a panel of UK insurers, so you get the right cover for the whole family. Get cover for your family across ages, including cover for 100s of pre-existing medical conditions should you need it.
- Cover adults and children on one policy
- Single Trip and Annual Multi-Trip options available
- Cover available for declared pre-existing medical conditions (terms apply)
- Cancellation and emergency medical cover included (limits apply)
What is Family Travel Insurance?
Family Travel Insurance is a single policy that covers everyone in your immediate family on one trip, rather than each person needing separate cover.
It typically covers:
- One or two named adults, usually parents or guardians, who live at the same address
- Up to 8 dependent children under 18 living with them (for children over 18, it’s worth looking into our group policies)
- Many policies also cover stepchildren, foster children and adopted children – check the specific policy wording if this applies to you
We compare travel policies from a panel of UK insurers, so you can see your options for exactly what is included from policy to policy.
What does Family Travel Insurance cover?
Family Travel Insurance can provide protection against a range of unexpected events before and during your holiday. Depending on the policy you choose, this can include:
Typically included:
- Emergency medical treatment for covered members of your family abroad, including repatriation if needed
- Cancellation or curtailment, if you need to cancel or cut short your family trip for a covered reason
- Missed departures and travel delays
- Lost, stolen or damaged luggage and belongings
- Personal liability and legal expenses cover
Typically excluded (check your specific policy):
- Pre-existing medical conditions that haven’t been declared
- Choosing not to travel for reasons outside the policy’s covered list
- Travel to destinations against Foreign Office (FCDO) advice
- Leaving belongings unattended
- Extreme sports and activities not specifically added to the policy
Important – You’ll need a GHIC for every family member
If you’re travelling to a destination where the UK Global Health Insurance Card (GHIC) is accepted, each family member needs their own card to use it. A GHIC can provide access to state-provided medically necessary healthcare, but it does not replace Travel Insurance and does not cover everything, including private healthcare or medical repatriation. See more information on the GHIC from the NHS.
Compare Family Travel Insurance with Just Travel Cover
We compare a panel of UK insurers rather than offering you one provider policy, so you can find the best option for your family trip.
Our tool allows you to input details of your trip and compare options which suit:
- The amount of excess you’d want to pay
- The type of cover you need for your trip
- Whether you need any additional cover – like winter sports
- Any medical conditions you need cover for
Regulated family travel cover – Just Travel Cover is authorised and regulated by the Financial Conduct Authority. Learn more about how we provide travellers peace of mind here.
Our Expert Says
“When you’re travelling with family, we understand how important it is to get the right cover so everyone you’re travelling with is protected. We work with a panel of regulated insurers, comparing the policies that suit your whole family’s needs, so that you can have peace of mind that both you and dependents have the cover you need.”
Amy Smith
Customer Experience Executive at Just Travel Cover
Travelling with a medical condition in the family?
If a child, partner or any other named person on your family policy has a pre-existing medical condition, it doesn’t need to mean a separate policy or being turned away. Tell us about it during your quote, and we’ll compare family policies from insurers who can include it – from common conditions like asthma, diabetes and allergies, to more complex or serious conditions.
Be accurate when declaring conditions, since undeclared pre-existing conditions can mean family claims being rejected.
Europe Family Travel Insurance
Covers family holidays to Spain, France, Italy, Greece and other European destinations, often including Turkey and Egypt
Worldwide Family Travel Insurance
Covers destinations further afield. You can choose if you need your policy to include the USA, Canada and the Caribbean.
UK Family Travel Insurance
Can provide useful protection for UK family holidays, including cancellation, cutting your trip short and lost or stolen belongings, subject to the policy terms.
Authorised and Regulated Cover
Just Travel Cover is authorised and regulated by the Financial Conduct Authority (FRN 610022) for General Insurance Distribution activities, ensuring we guarantee transparency in our policy documents and prioritise fair treatment of our customers during a claims process.
Family Travel Insurance FAQs
What is the best family Travel Insurance?
The best family Travel Insurance for your household depends on who’s travelling, any medical conditions, and how often you go away. Comparing multiple policies – rather than relying on a single provider’s policy – is generally the most reliable way to find the most suitable cover, which is why we compare a panel of UK insurers rather than just one policy.
How many people can be on a family Travel Insurance policy?
Most family policies cover one or two named adults and up to eight dependent children. If you need to cover a larger group, or a group of adults without dependent children, group Travel Insurance may be a better fit.
Can I get family Travel Insurance for a group of 4 adults?
Standard family Travel Insurance policies are usually designed for adults with dependent children, so a group of adults travelling together – such as adult siblings or adult children travelling with parents – will typically be better covered by a group Travel Insurance policy, which doesn’t require dependent children to be included.
Does family Travel Insurance cover pre-existing medical conditions?
Yes, on eligible policies. Tell us about any conditions when you get a quote, and we’ll show you family policies from insurers who can include them.
Is there an age limit on family Travel Insurance?
Age limits vary between insurers and policies. We have selected Travel Insurance options with no upper age limit, although eligibility for Family Travel Insurance will depend on the make-up of your travelling party and the policy terms.
Is family Travel Insurance cheaper than buying separate policies?
The cost will depend on who’s travelling, your destination, trip length, medical history and the cover you choose. Compare the family options available with the cost and cover offered by separate policies before deciding.
Do I need Travel Insurance for a family UK holiday?
It’s not a legal requirement, but UK family Travel Insurance can still cover cancellation, lost and stolen belongings, and cutting your trip short for an insured reason, depending on the terms of your policy.
Why do I need to declare my medical conditions?
As you get older, it’s more likely you’ll be travelling with one or more pre-existing medical conditions. When getting Travel Insurance for over 80s, it’s important to declare all relevant medical conditions, even if they’re well managed or you don’t think they’ll affect your holiday. This allows us to compare policies from our panel of insurers that can provide suitable cover. If a condition isn’t declared, it could affect your ability to make a claim if you need to cancel your trip or require emergency medical treatment while you’re away.
Latest News
Navigating Travel Insurance Options for Over 80s
Choosing the right Travel Insurance policy can be challenging,...
Affordable Travel Insurance Tips for Adventurous Seniors Over 80
We understand that age should never be a barrier to your travel...
Health and Wellness While Travelling Over 80
At Just Travel Cover, we understand that age shouldn't limit...