Annual family travel insurance - Best Money Saver

15th January 2019by Joanna White

When it comes to travel insurance, it’s safe to say that it’s an important investment for everyone to make to ensure that they’re fully covered and protected when travelling.

However, it can be said that when travelling with your family, it’s even more important to have fully comprehensive travel insurance to ensure that the whole family is covered in the event of an accident or incident.

In this guide, you’ll find out more about annual family travel insurance, as well as why it’s so important to have and exactly what your family will be covered for within your policy.

What you need to know – annual family travel insurance

Annual family travel insurance is aimed at families who travel together more than once a year; families who go on holiday just once a year may want to look into purchasing single trip family travel insurance.

Of course, you could purchase separate policies for each individual member of your family, but this can prove to be quite costly; an annual family travel insurance policy, however, will ensure that your whole family is covered under the same policy. It will also make it much easier for you to make a claim.

What does it cover?

There are many things that annual family travel insurance covers to ensure that your whole family is protected while travelling.

While this type of travel insurance is very similar to other types of travel insurance, it is intended to be more suited towards families that are travelling altogether.

There may be certain age restrictions in some policies, as well as a limit as to the number of people that can be covered, so it’s essential that you thoroughly check all the rules and regulations before you make your decision about your family travel insurance provider.

Here are some of the things that an annual family travel insurance policy will cover:

Medical treatment and bills

Arguably the most important thing that annual family travel insurance will cover is the cost of medical bills and treatment that you may require while on holiday.

If a member of your family becomes ill, requires treatment for a pre-existing medical condition or suffers from an accident while on holiday, then your family travel insurance policy will help to cover the medical costs.

Delays, disruptions and cancellations

When travelling as a family, especially with younger children, it can be hard enough trying to remember everything without worrying about delays and disruptions to your travel plans.

However, delays and cancellations can often occur so it’s important to be protected against these with your family travel insurance plan.

Baggage and personal possessions

Travelling with young children will see you having to pack a vast range of different things such as plenty of clothes, hygiene products such as nappies and wipes, as well as entertainment.

However, when bags and belongings go missing, it can prove to be quite the struggle which is why it’s incredibly important for your annual family travel insurance to cover you in the event of lost or stolen luggage.

Certain activities and excursions

Many family insurance providers will offer you cover for various activities if your family is going on an adventurous holiday.

Make sure to check if your insurance provider offers you family cover for the likes of cruises, mountain biking and theme parks.

If these things aren’t covered as part of your standard policy, then you may wish to purchase them as added extras to make sure your family is covered in every eventuality.

Personal liability

If you or a member of your family injures someone or damages their property while on holiday, then you may face fines and charges if that person decides to sue.

Personal liability protection can come in very handy as part of an annual family travel insurance policy to ensure that the whole family is protected in this instance.

Conclusion – annual family travel insurance

Annual family travel insurance can be said to be one of the most expensive types of travel insurance that you can invest in. However, it’s also one of the most important; especially if you’re travelling with young children or older generations.

It’s imperative to ensure that you obtain the right type of travel insurance that will cover everyone in the event of something happening before you depart or while you’re on holiday.

You should ensure that your family travel insurance covers everyone for the likes of medical bills, treatment costs, cancellations and delays as well as baggage and personal possessions.