When travelling with others, especially family members, selecting the right policy type is crucial to making sure everyone is correctly covered. If you're wondering if it’s the right fit for you, this guide breaks down exactly who is covered and when to consider other options, like group policies.
What is a family travel insurance policy?
A family travel insurance policy is specifically designed to protect parents and their children when they’re travelling together. It’s a convenient and cost-effective option for families, offering a single policy that encompasses everyone within a household.
Here’s a breakdown of what’s typically included:
- Covered Individuals:
- Up to two parents (or a single parent).
- Children under the age of 18 who reside with the parent(s) or legal guardians.
- Policies often allow cover for up to 10 children, though limits vary by provider.
- Examples of covered scenarios:
- Two parents travelling with their three children under 18.
- A single parent on holiday with one child.
Who is NOT covered under a family policy?
While family policies are incredibly useful, they don’t cover everyone who might be part of your travel group. Here are some key exclusions to note:
- Children aged 18 or older: Even if they still live at home, they won’t qualify for a family policy as they’re considered adults.
- Relatives like grandparents, aunts, or uncles: Unless they’re the legal guardian of a child on the policy, extended family members aren’t covered.
- Friends or mixed households: If you’re travelling with friends or a blended group, a family policy won't extend beyond your immediate nuclear family unit.
When should you consider a group policy instead?
If your travel companions don’t meet the criteria outlined for a family travel insurance policy, a group travel insurance policy may be the best option. These policies cover 2 to 12 people travelling together, regardless of whether they’re related.
Ideal Situations for a Group Policy:
- Travelling with children over 18: A group policy can include anyone aged 18 and older, making it a practical choice for young adults still joining family holidays.
- Mixed households: Perfect if you’re travelling with extended family or friends.
- No household restrictions: Group policies waive the requirement for someone to be a legal dependent or share the same address.
For example, if you’re heading for a ski holiday with your teenage children, a 20-year-old family friend, and your child’s grandparents. A group policy ensures everyone enjoys cover under one policy.