Family Travel Insurance

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 is up to 75 years, while it’s up to 85 years for our single trip policies. The age limit and level of cover we can offer depend on your personal information and the details of your holiday.

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
• Adoption
• 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.

Exclusions include:

• Not telling us about any pre-existing conditions
• The pre-existing 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
• Coronavirus
• Travelling against FCDO or medical advice

What if I have a pre-existing condition?

A pre-existing 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 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 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 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 MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)