Why you should buy travel insurance as a family or group
Are you going away as a family or a group? You should definitely think about getting travel insurance together. Here are the benefits you can expect.
Unless you’re travelling alone, organising travel arrangements for your whole family or travelling group can be a logistical nightmare. Luckily, travel insurers have thought of this, which is why they offer family/group travel insurance policies.
But you might be wondering, is it really worth it? If you appreciate convenience, cost-saving, and more comprehensive cover then it definitely can be.
What actually is family/group travel insurance?
Family and group travel insurance is a policy that can cover a number of people rather than just one.
You’ll still be able to choose whether you have cover for a single trip or an annual policy (often the preference if you’re away more than twice each year).
The definition of a ‘family’ can differ from insurer to insurer. In many cases, it will consist of one or two parents and their dependent, unmarried children who live in the same home and are still in full-time education (up to age 21). Specific requirements may also be met.
Group travel insurance is usually used for larger groups, or if the travelling party don’t live together. You might be able to get cover for up to 30 people on these policies, but you might need to speak directly to the insurer about your requirements.
The biggest benefit of a family or group travel insurance policy for most people is just how convenient it is.
Imagine trying to organise policies for each person individually. For a family of four that seems like enough work, let alone if your group is even bigger!
Having everyone you’re travelling with on the same policy not only saves on the paperwork, it also means you don’t have to carry different sets of policy documents.
Another potential benefit of family or group travel insurance is the money you could save by doing it this way.
Requirements may differ between insurers, but often children under a certain age will be included in the policy for free. That in itself is enough incentive!
When travelling in larger groups, some insurers could offer specialist policies that come at a discount because of the bulk nature of the policy. It’s always a good idea to look out for these.
More comprehensive cover
With a family or group travel insurance policy, you’ll be able to rely on the usual security of travel insurance – that it’ll be there for you if something goes wrong.
The key benefit of a group/family travel insurance policy is that everyone is eligible to cancel/cut the holiday short if someone falls ill. If you were on separate policies, you might not be covered to stay with your companions to help, or might not be able to cancel your trip.
Take out your family or group travel insurance today
If you’re going away as a family or a group, then visit our family travel insurance page to find out what you need to know.
We know how important it is to feel safe and secure on holiday, which is why we’ll be there with a personalised policy that suits you, your family’s or your group’s needs.