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:
- A BMC Health Services report showed that 56% of all children have attended a hospital appointment in the previous 12 months.
- A single hospital trip can set you back roughly £3,750 in Europe, or over £100,000 in the US.
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 are the benefits of Family Travel Insurance?
Family Travel Insurance from AllClear could help your holiday plans go smoothly. In fact, 98% of our customers would recommend us to family and friends:
- It could save you money: If you have more than one child, Family Travel Insurance often costs less than buying individual policies. Leaving you with a little extra spending money for your trip
- It could also save you time: Getting Family Travel Insurance means you only need to set up one policy. Do it online now or speak to our helpful team on 0800 848 8608
- It’s more convenient: You’ll only have one set of documents and log in details to look after. Leaving you to focus on enjoying your break
- Get cover for all your trips with an annual policy: Buy an Annual Family Travel Insurance policy and you’ll be covered for any breaks you take that year. This includes trips the adults go on without the kids
- One point of contact if something goes wrong: You don’t like to think about something bad happening on holiday. But if it does, you’ll only need to contact our team to organise your claim
Read our Policy Wording for more information on Family Travel Insurance.
What does AllClear’s Family Travel Insurance cover?
When buying Family Travel Insurance, it’s important to be clear on what is and isn’t included. Then you can get on with enjoying your break as a family:
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.
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.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
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.
For full details of what is and is not included. Please read our Family Travel Insurance policy wording.
How many family members will AllClear’s Travel Insurance cover?
Even if you’ve got a big family, we can help you find cover. Our Family Travel Insurance policies include up to two adults and up to eight children.
There must be at least one adult on the policy. You should also bear in mind that kids need to be under the age of 18. This applies for both our Single and Annual Family Travel Insurance policies.
Destinations covered by our Family Travel Insurance
Our Family Travel Insurance policies can cover you for trips to every destination, including:
- Europe: Short-hauling with the family? Europe Family Travel Insurance covers you from Barcelona to Berlin and beyond
- Worldwide: Going further afield? We have worldwide Family Travel Insurance for your break. We also offer worldwide Annual Travel Insurance for different regions
- UK: You may not need medical expense cover while holidaying in the UK. But our UK Family Travel Insurance can cover you for many other things that could go wrong. From having to unexpectedly cancel, to your belongings being lost or stolen
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
- Length of stay
- Age of travellers. If you wish to include any older family members, the price may increase
- Medical conditions declared by travellers.
- The type of cover: Annual Multi-trip or Single Trip
- Any additional activities or cover you wish to include, such as protection for your gadgets
Family Travel Insurance can save you time as each family member won’t need to buy an individual policy. If you have more than one child, Family Travel Insurance may also save you money compared to buying individual policies.
How to make a claim on your Family Travel Insurance policy
We hope your holiday is full of relaxation and memory-making. But if you need to make a claim on your Family Travel Insurance policy, our team is here to help.
- If you need emergency medical treatment, contact our 24/7 assistance line as soon as possible
- For all other non-emergency claims, you have 30 days from your return to the UK to log it. You should do this within this timeframe, even if you’re awaiting documents or information
- Please provide as much information and evidence as possible, so that our claims team have what they need
- You will often need official letters or reports to support your claim. Such as a police report for stolen property
- Remember there is normally an excess on any claims. Check your policy documents to understand if this will apply to you
- Please note, claims that fall outside of our policy wording will be declined. Check it to understand what is and isn’t included
Read more about making a claim to ensure you have everything you need and understand the process.
AllClear’s Travel Insurance for families with pre-existing medical conditions
At AllClear, we’re a specialist Medical Travel Insurance provider. We can cover more than 1,300 pre-existing conditions with Family Travel Insurance. In fact, 99%+ of our customers are offered cover.
Tell us about your pre-existing conditions during our medical screening process. Conditions could include:
- Diabetes
- Heart conditions
- Stroke
- High blood pressure
- Asthma
- COPD
- Cancer
- Epilepsy
- Arthritis
- Back Problems
Our Medical Warranty defines a pre-existing condition as follows.
Read our Policy Wording for full details of how we can cover you and 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.
- 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.
“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
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.
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.
Do you need Family Travel Insurance for a UK holiday?
Emergency medical expenses cover isn’t essential, as you can use the NHS. However, there are many other potential costs if something goes wrong with your UK holiday.
Family Travel Insurance for a UK trip could help with costs if:
- Your belongings are lost or stolen
- You accidentally injure someone or damage their property and face legal expenses
- You have to unexpectedly cancel your trip
Can you get Family Travel Insurance if you’re a divorced, single or separated parent?
Can you get Family Travel Insurance if you’re a divorced, single or separated parent?
Yes! You can get Family Travel Insurance as long as you have one named adult on the policy. So if you’re a single, separated or divorced parent, you can still go away knowing you’re covered. If you get an Annual Family Travel Insurance policy, it will even cover you for trips you take without your kids.
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.