The best family holidays begin with the peace of mind that comes from full family coverage. It does not matter if you are taking a one-time trip or you have planned multiple holidays throughout the year, there is a need for you to save yourself the stress and treat yourself to the peace of mind that family holiday insurance provides.
Traveling with your family adds more fun to the vacation, and it also adds more value to the trip. When an entire family is going on a vacation or trip, no one of them would want that the holiday gets cut short due to some sickness or medical emergency due to a member of the family.
The fun in the family holiday is equal to nothing, especially for the kids. Parents may have worked for the whole week. Both of them go out in the morning after dropping the kids off at school and return at night very tired.
Some of them at the time of returning may not have enough time to spend with their kids. So yeah, that is where family holiday or travel comes in. While the whole family is away having fun, none of them wants to get hurt or fall ill, it would be a disaster.
Therefore, there is good news in this article about the peace of mind you seek while away as a family. Family holiday insurance is the good news every family wants to hear as far as their travel and holiday vacation is concerned.
In this article, we are going to be telling you everything you may need to know bout family holiday insurance.
What is family holiday insurance?
A family travel insurance policy typically provides cover for one or two adults who live at the same address as their parents. Including, of course, at least one child (up to a maximum of eight children) who is aged 18 or under and permanently lives with their parents.
This type can work for single parents too. The best way you might want to treat your family as a father or mother could be to take them on a vacation. It could be as make-up for the week’s busy days or just to cool off and stay away from home.
Apart from the fun associated with family holidays, the new knowledge could be another side of it. Children, as well as parents, can be exposed to new things, and learn about different people that they may come across. So, while all the things mentioned above are important and what you can benefit from a family getaway.
Family holiday insurance is what covers you and every other member of your family from harm, or sudden illness. The illness could be a result of unfamiliarity with the environment or a poor environment. Whatever may be the cause of it or also harm to the environment, family holiday insurance covers them.
How important is family holiday insurance?
This insurance policy cover is as important as the lives of each family member. Imagine going for a vacation with the whole family then all of them become sick of a strange illness. That cannot be imagined.
In a situation like that, your family holiday insurance policy would speak for you. Whatever it will cost to treat and give everyone who is sick appropriate medical attention would be taken care of by your policy providers.
As much as you and every member of your family want to have fun, it is important you do not forget the important things. The insecurity in the world today has become alarming that no one is supposed to do anything on their own. Except if your life is no longer important to you.
If you are busy planning a weekend getaway or summer getaway, think about all the fun. Do not forget to think about the risk and things that you do not expect may occur. Absolutely no one is or would hope for the worse of every situation, we are meant to always speak positively.
But the fact still remains, the world is turning to something else that it is even considered that a person going to the toilet needs insurance. Nevertheless, family holiday insurance is very important and is required of every family going on a weekend getaway or summer getaway.
Who needs family holiday insurance?
Family travel insurance is only meant for families containing a maximum of 8 people. The only people who are allowed to get this insurance cover are family people, whether single parents or paired.
If you are single, without a husband, or without at least one child, this policy would not be necessary for you. However, if you have one or up to 6 children who live with you permanently, family travel insurance is what you need for a family getaway.
The policy take-out is typically cheaper than having to take out separate policies for each member of your family.
What does family travel insurance covers?
Family holiday insurance covers every single thing that travels insurance policy covers without exemption. It is of paramount importance that you check out what your policy covers whether on this or any other insurance plan. You absolutely do not want to get a policy you know little to nothing about. So the essence of the importance of the knowledge of what your policy covers is to know your limit.
The list of thing that family travel insurance cover are below;
- Illness treatment
- Lost or damaged luggage
- Holiday cancellation
- Legal/personal liability cover
Illness treatment
When you buy a policy, make sure you declare any pre-existing medical conditions that you or your family member have. Family holiday insurance can cover and reimburse you for any money you spent to treat any ill person while you were abroad.
Traveling to a new place for the holiday can affect the children more especially, from the language barrier. It could also be because of environmental unfamiliarity, but your policy has you covered on that.
Lost or damaged luggage
If there should happen a misplacement of luggage while on the plane. Your policy will cover you for everything that was inside the luggage.
Holiday cancellation
If for any unforeseen reason you want to cancel your travel with your family do not bother. Your policy will cover the cost of everything you spent arranging for the holiday getaway.
Legal/personal liability cover
You are allowed to make a claim to your policy for the legal cost of anything that happened in the past. It could be on anything that happened while you were away on your travel.
What is not covered?
There are things that family holiday insurance would not cover you even though it varies by the insurance company.
There are standard things that your policy will not cover.
- Traveling to countries that are against FCDO advice.
- Accidents and injuries got while under the influence of drugs or alcohol.
- Engaging in extreme sports and activities.
- Pre-existing medical conditions that your policy does not know about.
- Natural disaster.
- Terrorism activities.
It is important you check the terms and conditions of your policy because some policies offer limited cover. And there are some things they may not cover you.
Cost of family holiday insurance
The cost of family holiday insurance is dependent on a range of factors. The variance of the cost of your policy will depend on the following factors;
- length of time you’re going away
- The number of people who need to be covered by the policy
- Various ages of everyone on the policy
- If members of the party have pre-existing conditions
- Activities you plan on doing during your stay
- Your destination
Therefore, as said above, there is no typical fixed price for family holiday insurance. You can check for the cost according to your destination and age rather.
FAQs about family holiday insurance
What is family holiday insurance
Family holiday insurance is the cover provided for a family or one or two adults plus one child or more going on a weekend or holiday get away from home.
Can i get family holiday insurance as a single parent
Yes. Some policies say one or two adults, which means you can get this cover even if you are a single parent.
What does family holiday insurance cover me from
Family holiday insurance covers you and your family members from a lot of things including if you cancel your travel for some reason, or lose your luggage on the plane.
Can i get family travel insurance for my family of 4?
Yes. Even a family containing just parents and a kid can get this policy covered.
How important is family holiday insurance?
Family holiday insurance is as important as the lives of every member of your family going on the travel because situations can happen, like sickness, so you need to make sure you are covered.
