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.
With family travel insurance, your party if insured as a group, saving the trouble and cost of having to insure the members of your party individually. Insurers define family in different ways, so be sure to check their definition before you buy.
And you do not have to travel with your family every time to enjoy this type of insurance cover. In most cases, insurers will cover anyone named in the policy, even if they are travelling to another destination separately.
One reason for this type of cover being cheaper is that most of these insurance policies do not charge to insure children. There is typically no charge for little ones under age 2. However, you will also find companies who do not charge any child who is travelling with an adult who is signed up to the policy.
Single parent families are now catered for also. Most insurers offer some sort of single parent family reduced rate so that single parent families do not miss out on the reduced insurance costs offered to other families.
Some restrictions do apply to family policies. As well as some policy providers restricting the number of children who can be named on a policy, they may also restrict the age of those children. Older children named on a policy may wish to travel separately from parents but for your group insurance to be valid, they must travel with one of the adults named on the policy.
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.
Within the group and family insurance range, those looking for group insurance have the several options to pick from, including annual policies providing insurance cover for travel over a one-year period, or one-trip insurance which will cover a single foreign holiday only.
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