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Why do you need family Travel Insurance?

Family Travel Insurance protects you and your family members should they become unwell or injured on holiday. On a family policy, everyone is covered for medical emergencies, and repatriation should one member need to come home.

Why Choose AllClear’s Family Travel Insurance?

At least 17%2 of travellers will be going on holiday with their family this year. Young UK families average 2.2 holidays in the UK a year and 1.8 holidays abroad. Older UK families average 1.9 holidays in the UK a year, with 1.6 holidays abroad a year.

Travelling with your family is a great way to spend time with your loved ones. While travel is exciting, you’ll want to protect those you care about. With AllClear’s Family Travel Insurance, you won’t have to worry about any unexpected medical emergency bills or cancellation costs while you’re away.

What does Family Travel Insurance cover?

Family travel insurance protects you and your loved ones from medical emergencies, loss or damage to personal possession and cancellation on your travels. This type of policy covers up to two adults with at least one child (under 18).

You can buy Family travel insurance as an Annual Multi-trip policy or a Single trip policy. So, whether you’re going away once or several times together throughout the year, you can keep the whole family safe.

The Jolly family is one of many families AllClear has helped. Discover how our Family Travel insurance with Cruise cover gave them the protection they needed to enjoy their holiday.

Family Travel Insurance for pre-existing medical conditions

One in two (54%) travellers live with at least two medical conditions3. With Specialist Medical Travel insurance, you’ll know that each member of your family will have the protection they need while on holiday.

Each family member must declare any pre-existing medical conditions. This will ensure your family Travel Insurance policy remains valid. Here is a list of common conditions we have covered over the years.

With AllClear, you’ll have our support. Should one or more of your family members have any medical emergency while away, we’ll be there. This includes any incidents relating to your pre-existing medical conditions.

Benefits of AllClear Cover

Gold Gold Plus Platinum
Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Up to £15m
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Extended cover 30 days FREE 30 days FREE 30 days FREE
Friend or relative to travel from your home area to stay with you if you fall ill with Covid-19 Up to £2k Up to £2k Up to £2k
Travel Delay Up to £100 Up to £350 Up to £500
Recuperation stay
Cost of return flight due to COVID-19
Personal Belongings Up to £2k Up to £2.5k Up to £3k
Personal liability Up to £2m Up to £2m Up to £2m
Legal protection cover Up to £50k Up to £50k Up to £100k
* If you buy a policy which includes cancellation cover
All these figures are per person and per trip

Flexible Travel Insurance for family

Family holiday insurance can offer a variety of extra benefits, including:

Travel Disruption: covers you and your family for unforeseen events such as weather disruption or civil unrest.

Gadget Cover: protects your family’s electronic personal possessions.

Winter Sports: if your family is planning a skiing holiday. Not all activities are covered as standard – it’s always worth checking.

Family holiday Insurance for a cruise

Are you considering taking your family on a cruise? At least one in ten (14%3) of those we surveyed intend to enjoy a cruise this year. Travel Insurance for a cruise is essential. To protect your holiday and your family, you’ll need the specific benefits offered by this type of cover:

  • Missed port departure
  • Cabin confinement
  • Itinerary change
  • Unused excursions
  • Cruise interruption

GHIC cover and Family Travel Insurance

If your family is heading to Europe, it’s good for each member to have Global Health Insurance Card (GHIC). This will provide access to some emergency medical healthcare in 27 countries where the scheme is available.

However, Travel Insurance is still required as the GHIC doesn’t cover everything. For example, if one or more of your family members need to be repatriated, you could face a substantial bill without cover. Repatriation from Spain to the UK is £18,000, and from the USA to the UK is £50,000.

Travel Insurance that families recommend for families

99% of customers would recommend us to family and friends5. Join the 3 Million+ travellers we’ve we’ve helped cover

First-class service…

“First class service and the very knowledgeable salesperson was able to sort out my insurance for my whole family going on a trip later this year.” – W.Ferguson.

Read AllClear Trustpilot Reviews

Simple 3 step quote process

1. Call us or click a quote button on our site

Once you are ready to start the quote process, the first step is to provide your personal details and information about your holiday plans.

2. Complete our simple medical screening process

You then declare the medical conditions for you (and any other travellers) and answer the specifically designed medical questions.

3. Get your quotes

You will then get your quotes and can either proceed to buy, or save your quote, at this stage.

Tips for travelling as a family

There are plenty of things to think about when travelling as a family, from pool safety to sun protection. The NHS provides excellent advice for travelling with kids. Unfortunately, children are prone to accidents and getting sick while on holiday. Here are some top tips for keeping them healthy while travelling.

Frequently asked questions for Annual Multi-trip Travel Insurance.

How much is family travel insurance?

Family Travel Insurance varies between families. The total cost will depend on several factors, including;

  • The number of family members
  • Destinations
  • Age of travellers
  • Medical conditions declared by travellers.
  • The type of cover: Annual multi-trip or single trip

Family travel insurance can save you time as each family member won’t need to take out an individual policy.

Does family Travel Insurance cover individuals?

To get a quote as a family, you need up to 2 adults with at least one child (under the age of 18). Individuals can travel independently on a Single or Annual Multi-trip policy. However, exemptions apply. Those under 18’s must be travelling with someone over the age of 18 who is insured on the policy.

Does Travel Insurance cover the whole family?

Family Travel Insurance covers up to two adults with at least one child (under 18). Family members can include parents, stepparents and children. This type of policy can also include extended family members such as uncles, aunties and cousins.

Does family travel insurance cover adult children?

Family Travel Insurance only covers two travellers over the age of 18. Any additional Adult travellers will need to take out their own individual policies.

Author notes

Written by Lydia Crispin, MA Content Creator at AllClear
Edited by Letitia Smith, M.Sc. Content Manager at AllClear

2 Based on AllClear Annual Survey 2022, January 2022, with 2,591 respondents.

3 Based on AllClear Annual Survey 2022, January 2022, with 2,707 respondents.

* With a purchase of an AllClear branded policy, you’ll automatically enter the £500 prize draw. Plus, you’ll get 20% off the base price of your policy. Discount does not apply to any premium generated to cover medical conditions and optional extras. This offer cannot be used in conjunction with any other offer. Offer ends at 23:59 on 4/12/23. T&Cs apply

Written by: AllClear Team
Last Updated: 24 November 2023

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.