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Planning on making new memories on a family holiday? Family Travel Insurance protects you and your family members should they become unwell or injured on holiday. Plus, we’ll cover your belongings, accommodation, trip cancellation and more. With AllClear your family can enjoy peace of mind knowing you’re protected against unexpected events.

What is Family Travel Insurance – and do you need it?

Family Travel Insurance is a single policy that covers up to two adults and up to eight children. There needs to be at least one named adult on the policy, and all the kids have to be aged under 18. Family Travel Insurance is a good idea if you’re doing a trip abroad with the family, as you only have one policy to take out, one set of documents to refer back to, and one person to call in the event of a holiday mishap. Families with kids under 5 average 1.8 holidays abroad each year, whereas families with kids over 5 average 1.6 holidays abroad a year – according to research from ABTA. That’s a lot of families, enjoying a lot of trips together, and having Family Travel Insurance when travelling is a holiday essential. We know that kids often have slips, trips or falls but this cover is important in case of a more serious injury. After all:

If you’re heading out with the whole family, costs can quickly stack up. Making sure you’re covered in the event of an emergency is a weight off your mind. 

What does AllClear’s Family Travel Insurance cover?

  • What’s covered?

    • Medical cover AllClear policies include emergency medical cover, as well as medical costs for existing conditions. This includes prescription medication, medical emergencies and medical equipment.
    • Cancellation and curtailment – Cover for your flight and accommodation costs if you unexpectedly have to cancel before you go, or need to return home early following an emergency.
    • Your baggage – Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
    • Travel delays and missed departure – If your flight is delayed, we’ll compensate you for the time. You’ll also be covered for accommodation and transport costs if you miss your flight.
    • Personal liability – Cover for your legal expenses and any liability due if you accidentally injure someone or damage their property while you’re away on holiday.
    • We think Travel Insurance should be available to as many families as possible, that’s why our Family Travel Insurance policies have no upper age limit.
  • What’s not covered?

    • Your Family Travel Insurance won’t cover you if you travel outside your chosen region, although you can contact us to upgrade your policy at any time. 
    • Deciding not to travel: We offer cancellation cover for specific reasons, such as illness, injury or bereavement
    • While it doesn’t matter how many holidays you take each year, there is a maximum trip duration for each one, depending on which annual policy you choose. Check the policy documents for more information.
    • For most claims there will be a travel insurance excess – the first part of any claim, which won’t be covered.
    • While most of our policy options cover all ages, we do not cover anyone over the age of 65 for winter sports like skiing or snowboarding. 

We tailor all our travel policies to your specific requirements, which is why we have three different levels of policy available: Gold, Gold Plus, and Platinum. 




Gold Plus


Emergency medical expenses and Repatriation costs Up to £10m Up to £15m Unlimited
Cancellation* and Curtailment Up to £2k Up to £15k Up to £25k
Travel Delay Up to £300 Up to £1,500 Up to £1,500
Personal Belongings Up to £2k Up to £2.5k Up to £5k
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.

AllClear’s Travel Insurance for families with pre-existing medical conditions

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 cover:

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 emergencies relating to your pre-existing medical conditions.

 Find the best Family Travel Insurance for your trip

Every family is different, which is why we tailor our Travel Insurance policies to your family’s needs. Not sure what you need? Here’s what we’d suggest. 

  • Just doing one family holiday this year? Single Trip Travel Insurance is the best option.
  • Going abroad for Summer and Easter holidays? Annual Multi-trip Travel Insurance is the right policy to make sure the whole family is covered. 
  • Short-hauling with the family? Europe Travel Insurance covers you from Barcelona to Berlin and beyond.
  • Big family cruise holiday? You’ll need Cruise Travel Insurance to make sure you’re covered against things like Cabin Confinement or airlifting to a medical facility. 
  • Kids love their screens? Don’t forget to add Gadget Cover to your policy to make sure that you’re covered for any shattered screens.
  • Want to expand your current policy to other family members? We can help with that. Simply give our team a call and we’ll be happy to help.

How our Travel Insurance for families works: A simple 3 step quote process

Getting Family Travel Insurance is made easy with AllClear. Simply complete our quick 3-step screening process to get your quote. Here’s how it works.

1. Get a quote online or by phone

Once you’re ready to start the quote process, the first step is to provide your personal details and information about your travel plans. This can be completed over the phone with one of our team members or online.

2. Complete our simple medical screening process

Next, you need to declare any medical conditions you or your family have. Be sure to answer all our medical questions and tell us everything we need to know about your current health. This way, we can provide the cover that best suits your needs.

3. Get your quote

You’ll then get your quote(s) and can either proceed to buy or save your quote at this stage.

Letitia Smith

“Planning family holidays can be stressful enough, without having to worry about individual policies for each of the kids. Luckily, Family Travel Insurance can take the hassle out of it. A single plan covers the whole family.  We can even cover grandparents too. That’s a huge weight off your mind.”

Letitia Smith – Travel Insurance expert

What our customers say

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.

There’s a reason why we’re rated the UK’s most trusted Travel Insurance provider3. Here’s what people have to say about us:

What our Customers Say

Frequently Asked Questions on Family Travel Insurance

How much does Family Travel Insurance cost?

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). Adults can travel independently on an Annual Multi-trip policy Exemptions apply; those under 18 must be travelling with someone over 18 who is insured on the policy.

How many family members will AllClear’s Travel Insurance cover?

Our Family Travel Insurance plans cover up to two adults and up to eight children.

Does Travel Insurance cover adult children?

Our Family Travel Insurance policies only cover two travellers over the age of 18. Any additional adult travellers will need to take out separate policies.  If you have adult children (or grandparents who are tagging along) you’ll no doubt want to make sure that they are covered by a Travel Insurance policy. In that case, look into a Group Travel Insurance policy, as these can cover up to 10 adults in a single policy.

Does Travel Insurance cover cancellation due to family illness?

Yes, our Family Travel Insurance plans can cover any costs incurred by cancellation due to family illness – including if any member of the family gets Covid. To make sure you’re covered, make sure you have a policy that includes cancellation cover.

Do you still need Family Travel Insurance if you have a GHIC card?

The UK Government advises that you should always have Travel Insurance with medical cover included no matter what country you visit. The GHIC covers your medical costs whilst in Europe, but it will not cover any other medical-related costs, such as transport to and from the hospital, or repatriation. The GHIC also does not cover other holiday mishaps, such as lost baggage or cancellations.

Should your family get a Single Trip or Annual Multi-trip policy?

It depends on how many times you’re planning to travel abroad this year. If you’re taking multiple trips abroad, Annual Multi-trip Travel Insurance is the right policy for your family. However, if you’re expecting to only go abroad once, then consider a Single Trip Travel Insurance policy.  Bear in mind that a Family Travel Insurance plan will still cover the named adults even if they’re travelling without the kids – or each other. This means it can still be useful to get an Annual Multi-trip policy for the whole family if you’re travelling multiple times without the kids.

Are there age limits on Family Travel Insurance?

There’s no need to restrict your new holiday memories to the younger members of the family. Travel is for all ages. That’s why there are no age limits on any of our Travel Insurance policies. We’ll cover older adults well into their 80s and beyond.

Get the most out of your trips with our helpful guides

Where are you visiting?  Explore our helpful guides for tips to ensure you remember everything you need when travelling to one of the below destinations.

Which activities do you have planned? Whether you’re planning a ski trip or embarking on a cruise, remember to add the extra cover you need to your policy for a stress-free trip.

3 Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 50,000 reviews as of February 2024.

Written by: Russell Wallace | Travel Insurance Expert
Last Updated: 7 June 2024

* Discount applies to the base premium of an AllClear Travel Insurance policy and does not apply to any premium generated to cover medical conditions or optional extras. This discount cannot be used in conjunction with any other offer. Ends 23:59 on 02/09/2024. T&Cs apply.


† Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 70,000 reviews as of January 2024. AllClear Gold Plus achieved a Which? Best Buy.