The best family travel insurance plans depend on your family’s travel needs and other factors. Family holidays are the perfect opportunity to spend quality time with your loved ones. Travel complications like illness, lost belongings, and trip cancellations are unavoidable parts of going on a trip. These unexpected events can be very costly, which makes travel insurance vital.
A family travel insurance plan offers protection against these events and more. It is easy to get and is often a less costly alternative to purchasing separate insurance policies for every family member. Family travel insurance covers nonrecoverable costs like hotel reservations, airfare, and excursions if you cancel your trip due to an emergency.
Best Family Travel Insurance Plans
This write-up section contains some of the best family travel insurance plans that may suit your family’s needs. The following travel insurance plans are selected based on several factors like premiums, level of coverage, and excess. However, according to our research, below are some of the travel insurance plans, including:
CadarTree
This is one of the cheapest family travel insurances costs £38.44, among others. It offers £15 million in medical coverage but only £200 in-hospital benefits. Each individual in the family travel insurance policy can claim up to £2,000. And this is for emergencies like illness or bereavement that stop their holiday from going further. Also, it offers a claim limit of £1,500 for lost, stolen, or damaged belongings.
Yourtravelcover.com
For a £40.62 travel plan, each individual on the plan can claim up to £3,000 for a canceled trip. Also, each person is granted £1,500 for stolen, lost, or damaged belongings and baggage. Yourtravelcocver.com offers £25.00 personal accident coverage, an excess of £85 per individual on every approved claim, and other competitive prices.
Cover for Your Standard
Each individual on the policy can claim up to £3,000 for trip cancellation. And is offered £2,000 for damaged, stolen, or lost baggage on the travel policy for £41.51. Cover for your standard offers an excess of £50 only for each person on every approved claim made.
Able2Travel
For a £43.84 family travel plan, Able2Travel offers £2,500 in trip cancellation for each person and a £2,000 coverage for lost, damaged, or stolen baggage or belongings. It also offers an excess of £95 for each person for every accepted claim made. However, Able2Travel offers no hospital benefit but £15,000 coverage on personal accident coverage.
FAQs:
Does family travel insurance offer coverage if I travel alone?
Single-trip family travel insurance will offer coverage but only for a specific day and will not cover you on all other trips with or without your family. For yearly coverage, some family travel insurance plans will insure your family members for individual trips, while others don’t.
Also, while some insurance companies offer coverage for policyholders when they travel alone, you are still required to purchase separate travel coverage for under 18s if your child goes on a trip without the family. However, it is advisable to check your policy details for what is and is not covered before buying.
When is the Best Time to Buy a Family Travel Insurance Plan?
Just like with other travel insurance, it is best to purchase a policy as soon as the holiday trip is booked. Doing this will ensure your coverage if your family trip gets canceled due to a covered event.
This means if your family holiday plans face an unexpected event, the travel insurance plan will cover the claims of every policyholder. However, if the main policyholder or a family member falls ill before the trip begins, your travel insurance plan will not cover it.
Can I Purchase a Family Travel Insurance Plan if a Family Member Has a Pre-existing Medical Condition?
Whether or not you can purchase travel insurance in this case depends solely on whether the insurance company covers the medical condition or not. Pre-existing conditions are illnesses a person had before purchasing a policy. If the insurance provider covers these medical conditions, the policy cost may be increased due to the risk of a medical-related claim being filed.
Even if you can secure the right coverage for your family, it may be cheaper to purchase separate coverage for a relative with a medical condition. Furthermore, if you cannot find the best policy amount from an insurance provider, comparing insurance providers is a good option.