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.
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
Children under the age of 18 can also go on an Admiral Family Travel Insurance policy. Any children over 18 will need to take out individual policies.
You can have up to two adults and three children on a family policy. You don't all 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.
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.
If they have a pre-existing medical condition, having insurance specifically for their age group could give them more tailored cover than a general policy. Our annual multi-trip insurance covers travellers aged 75 or under, while our single trip policies are for people up to the age of 79.
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). It's not the same as travel insurance and doesn't give you the same level of cover, but it does prove you're a UK resident and are therefore entitled to medical treatment and help when in a European country, under a reciprocal agreement.
Are there any exclusions?
With any cover, you should always read the small print. If your family is planning to take part in any activities, you might need extra cover such as winter sports insurance for skiing or snowboarding, or golf insurance if you're hitting the greens.
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.
Looking for something different?
Admiral offers great value with flexible options across all our travel products