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Compare Family Travel Insurance - including cover for larger families
Find travel insurance that offers cheaper cover when you have more than 2 children
- Up to 10 members of the same family can be covered under one policy
- Policy can include one or two parents or guardians and at least one child or dependent who is up to 18 years old (inclusive) or up to 23 years old (inclusive) if in full time education.
- Those covered by an annual family policy can travel independently of one another.
- Kids go free. They can be covered under the same policy as an adult as long as they do not have a medical condition diagnosis
- Single parent families catered for
- Can cover any child under 18 in full time education or living at the policyholder's address
- Can cover every member of the family under the same policy
- Great for those travelling with multi-generations e.g. children, parents, grandparents and even great grandparents!
- Under the policy all adults can travel separately. The children can travel with any adult listed on the policy.
- Will consider any diagnosed medical condition
Many travel insurers offer great deals for the average family with a couple of children, but there are companies out there who do go the extra mile to attract the larger family - and it makes sense. Claims from children are very low, so it does not 'cost' the insurers much - and it helps build a relationship with the next generation of travellers.
We track down travel insurers who design their policies for the larger family - and let you know why some policies look very similar!
We also suggest you use our Travel Insurance comparison service - many insurers are happy to cater for families, and insurance for a two week break in Spain can run from less than £15 for the whole family.
What our Experts say
"Travel insurance should be taken out as soon as you have paid out any money for your holiday - whether thats's flights, accommodation or a package - so you will have cover in place if you need to cancel.
With a larger family there are more chances of the unexpected happening which could mean you need to change your plans. Get your travel insurance sorted as soon as you book and don't get left out of pocket if you need to postpone your holiday."
Sally Wilson Moneymaxim Insurance Expert
But now let's look at policies which cover at least 4 children free - although if you have two children or three they will be happy to insure them at the same price too!
Larger Family Travel Policies
This is a great option if you have a young person in your family who is on a longer university course or perhaps took a year out before starting their degree. LoveitCover it can cover them under a family policy up to and including the age of 23 whilst they are in full time education. And if any of the family want to travel separately they can. So if you take out a family policy and have an 18 year old who wants to go off to Ibiza after their A levels to celebrate then you can relax knowing that you have their travel insurance in place.
If you are a family that like to travel together, taking your parents as well as your children, then InsureandGo can offer you a policy which covers you all together. A fantastic way of making sure you all have the same level of cover - particularly when it comes to activities.
With their annual family policy it can also mean that grandparents can take the kids away for a break - or to give the parents a break! The children can travel separately from the main policyholder as long as they are with an adult who is on the policy.
InsureandGo will consider any medical diagnosis when you apply for their travel insurance so, if a member of the family has a health condition, they may well be able to help.
We often have a number of travel insurers offering discount codes or deals including 'Kids Go Free' options. Check out our offers page to see if you can get a great deal. Please make sure that any travel insurance is right for you by reading the terms and conditions carefully before purchase.
**European Health Insurance Card (EHIC) and Global Health Insurance card (GHIC) **
Finally do make sure all in your party have got either a GHIC or a valid EHIC if you are travelling to Europe. EHIC cards, if you have one, are valid up until their expiry date. If yours has expired or you don't have one, you can apply for a GHIC card through the www.gov.uk website.
This content was last reviewed on 18/04/2024