Family, couples and group travel insurance

Family and couples travel insuranceBeing on the road with your loved ones and sharing memories together can be a wonderful experience for both young and old alike. Unfortunately, unexpected events can occur during any form of travel and it is important that you and your family members are protected while on vacation.

Family Travel Insurance is the smart and affordable way to minimize the risk that is inherent to travel. The most important thing to consider when buying a family policy is the way a provider defines a family as this can vary depending on the company. Most providers account for two adults and up to four dependent children aged 18 below in a family policy. Most providers offer free cover to children under two years of age on their family policies but some providers give free cover to all children who are travelling with a named adult.
These providers include Direct Travel, Club Direct, Go Travel Insurance, Post Office, Two Point Five. (Club Direct includes an unlimited number of children in the family policy) Many of our providers also recognize that not all families will want to name two parents a policy. To account for that most companies offer reduced rates for single parent families so that they can still enjoy the financial benefits offered by a family policy.
One major advantage of family policies is that, in general, they cover any named family member travelling separately from the rest of the family (although under 18s are usually excepted).

This means that families can enjoy the financial benefits of a family policy even if they are all travelling to different corners of the world! Depending on how much you plan to travel, you may choose a single trip family insurance if you’re only planning one trip abroad in a year or you can choose an annual family travel insurance policy which can bring the cost of your insurance down considerably, giving you cheap annual family travel insurance no matter what time of year you travel.

How dose joint travel insurance work?

Joint travel insurance works out cheaper for couples in much the same way as it does for two named drivers on a car insurance policy. Instead of paying for two individual travel insurance policies, you will make a saving on a joint policy and both of you will get the same level of cover. The only difficulty you may encounter is the travel insurance company’s definition of “couple”. Most travel insurers only expect you to live at the same address in order to qualify for joint travel insurance. However, this could pose a problem if you are engaged and don’t live together - but even in this instance, insurers will probably be flexible. If you are thinking of getting annual insurance as a couple, then you should make sure that you and your partner are covered when travelling separately.

Group travel insurance


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Financial solutions

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