Your Guide To Family Travel Insurance

By Author: Micke Jack
Total Articles: 4
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We are now lucky enough to have a huge range of travel insurance types to choose from. Specialist policies are a great way to save on travel costs, especially when you choose to opt for a group or family package.

These group or family packages usually offer far cheaper insurance costs than would be incurred by insuring each member of your family separately. Just ensure that you check the details of your provider, as some will class children as being under the age of 18, while some will allow children up to the age 23.

Your family need not travel together all the time either. Anyone who is signed up tot the family or group policy can enjoy insurance cover wherever they travel to, whether they do so with the family in tow or not.

Further benefits include free child cover. You will find that most policy providers will offer completely free cover to children under the age of two, while others will provide free cover to all children.

As insurers know, not all families will want to name two parents on a policy. For this reason providers will most usually offer a single parent family product so that single ...
... parent families can also benefit from reduced travel insurance rates.

It is worth noting that any child who wishes to travel must do so in the company of a named adult. This is particularly pertinent for older teenagers who may wish to travel alone or with friends. Should they choose to travel alone then they will be required to purchase their own separate cover.

As travellers over the age of sixty-five are considered to have a much higher medical risk than younger family members, people in this age group cannot usually obtain group or family insurance. It is possible for someone in this age group to be named on such a policy, but you should expect to pay a much higher premium to do so.

Various types of cover are available via family policies. You can choose from single trip family insurance, or annual cover, which means that the whole family is covered for an entire year no matter how many trips abroad they take.

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