Holidaymakers can understandably get confused as to whether they need family cover or whether they'd be better off with an individual policy for each person travelling.
As always, the right option depends on several factors, such as:
- The size of your group
- Who's travelling with you
- If anyone has a pre-existing medical condition
It's worth taking some time to read up on and compare cover to make sure you get the best family travel insurance for your needs.
Covid-19 - what our travel insurance covers
Our travel insurance now covers you for certain events related to Coronavirus (COVID-19).
What we cover
- Emergency medical and repatriation costs if you become ill with COVID-19 while abroad
- If you contract COVID-19 within 14 days of your trip departure and have to cancel or cut short your trip
- You’re denied boarding on your pre-booked outbound travel due to a positive COVID-19 test
- If a close relative is hospitalised with COVID-19 within 14 days of your trip meaning you can’t travel, or if you’re forced to cut short your trip for this reason
- You can't continue with a pre-booked excursion because you've been ordered to self isolate by a government authority because you contracted Covid-19 while on your trip
What we don’t cover
- If you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or travelled e.g. you knew of a need to take a test, you were awaiting test results or experiencing symptoms
- Cancelling your trip because you choose to or were recommended to self-isolate due to potential exposure to COVID-19 e.g. NHS track and trace
- If you travel against Foreign Commonwealth and Development Office (FCDO) advice. You will need to check the travel advice for all countries you visit or will transit through
- Cancelling or cutting short your trip due to the FCDO changing its advice regarding your destination or countries you will transit through due to COVID-19
- Costs incurred as a result of a local outbreak of COVID-19 that meant you couldn’t stay in your pre-booked accommodation or vessel
- Due to travel restrictions or quarantine imposed by any government or public authority, including local lockdowns and compulsory entry requirements
- Where a travel companion or close business associate not insured on this policy or anyone you planned to stay with contract COVID-19
- Where you were denied boarding for your pre-booked outbound travel, but you test negative for COVID-19
For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page. And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.
What is Family Travel Insurance?
A family travel policy covers people from the same family who live at the same address, such as:
- Aunts and uncles
You can have up to a maximum of two adults and five children on a family policy. You don’t need to have the same surname, but the adults need to live at the same address to be on the same policy (the children don't have to live with the adults to be on the same policy).
Admiral's Family Travel Insurance is available as single trip travel insurance, which covers you for one trip away from home for up to 365 days, or, if your family goes on several holidays a year, annual travel insurance.
Kids travel insurance
Separate children's holiday insurance isn't needed for any family member under the age of 24 as they can be added to an Admiral Family Travel Insurance policy. Anyone over the age of 24 will need to take out individual policies.
We offer three tiers of cover with increasing coverage and product benefits:
- Admiral Gold
- Admiral Platinum
Read the full list of benefits in the policy summary booklet.
Do I need a Family Travel Insurance policy?
Family holiday insurance is a really good idea to make sure everyone in your group is covered. We pay out if you need to cancel your trip for one of a number of defined reasons – so, if one of your children happens to be a little accident-prone, having the right cover in place at the time of booking your holiday could be wise!
If you're travelling with older relatives in their 60s or 70s, it's a good idea to look at travel insurance for over 60s and over 75s.
Our maximum age limit for annual multi-trip insurance varies between 75 and 79, while the maximum age limit for our single trip policies varies between 79 and 85, depending on the region you’re travelling to and the type of policy you choose.
If your child is going abroad, with you or a relative or friend, Home Office advice says the permission of everyone with parental responsibility must be given.
Mothers automatically have parental responsibility, but still need permission from the father if he's not travelling with you. The Home Office has a template letter you can use to show you have permission.
If children are travelling with any adult who has a different surname to them – even their parent or step-parent – it's possible your group will be stopped and questioned at border control.
It's therefore a good idea to take documentation with you. This might include a copy of the following certificates:
- The child's birth certificate
- Your marriage or divorce
- Change of name
Our annual family travel insurance also covers under-18s if they're travelling with an adult who's not named on your policy.
So if a kind aunt, uncle or family friend offers to give you a break and take your children on holiday with them, this type of policy will give you peace of mind their belongings are covered and they will get the right treatment should they become ill while away.
If you're not sure if a family policy is best for you, call one of our advisors on 0333 234 9913.
Travelling abroad as a family
When travelling to any country, whether for a holiday or work, it's wise to check Foreign Office advice about your destination. If you travel to a country where advice has been issued about things such as unrest, terror alerts or weather warnings, you risk invalidating your insurance.
If you're travelling in Europe, don't forget your European Health Insurance Card (EHIC) if it’s still in date. Otherwise you should apply for a new Global Health Insurance Card (GHIC). They aren’t the same as travel insurance and don't give you the same level of cover, but they prove you're a UK resident and are therefore entitled to medical treatment and help when in a European country (except Iceland, Liechtenstein, Norway and Switzerland, where the EHIC hasn’t been valid since 31 December 2020).
Are there any exclusions?
As with any insurance policy, some things aren’t covered by Admiral Travel Insurance. If your family is planning to do any winter sports such as skiing or snowboarding, or you’re taking to the seas on a cruise, you’ll need to add our winter sports or cruise cover upgrades to your policy. Without these, your trip won’t be covered at all.
- Not telling us about any pre-existing medical conditions
- The pre-existing medical conditions of a relative not on your policy
- Any losses or expenses you can recover from elsewhere, or are more specifically insured by another policy
- Anticipated events
- Travelling against FCDO or medical advice
What if I have a pre-existing medical condition?
A pre-existing medical condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.
You can declare your pre-existing medical conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.
Your pre-existing medical conditions won’t be covered unless you’ve:
- Declared them all on your policy
- Received written confirmation that we’ll cover your medical condition
- Paid any additional premium in full
Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.
If you don’t tell us about your pre-existing medical conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.
For a quote with us, click the green button above.
The Money Advice Service Medical Directory
If you have or have had a more serious pre-existing medical condition and are struggling to find travel insurance, the Money Advice Service medical directory may be able to help. This directory has a panel of travel insurance providers who specialise in covering serious medical conditions.
Alternatively, you can call them on 0800 138 7777. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)
Your questions answered
Does travel insurance cover death of a family member?
You can make a claim if you have to cancel or cut short your trip because of a family member’s death, serious illness or serious injury, providing it’s not related directly or indirectly to any pre-existing medical condition.
Do you cover children under 18?
Cover can’t be bought for a child under the age of 18 alone. A child under 18 can be added to our family policies where at least one adult over the age of 18 is also going on the trip (single trip policies).
A child can be added to annual multi trip family policies where the insured adult will travel later in the policy term. Each insured child under the age of 18 will only be covered if they’re travelling with a responsible adult. This adult doesn’t need to be insured with us.
Can the adults on an annual multi trip policy travel separately?
Yes. This policy covers each insured adult, whether travelling on your own or together.
Getting the most out of your trip
Going anywhere nice?
Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.
Travel insurance that suits you
Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.