Family Travel Cover
Family travel cover is a type of travel insurance that protects parents and children under one policy, covering medical emergencies, cancellations, lost belongings, and personal liability while travelling together.
Planning a family holiday should be exciting, not stressful. With the right family travel cover, you can enjoy peace of mind knowing you and your loved ones are protected if the unexpected happens. Whether you’re heading abroad for a beach break, a city escape, or an action-packed adventure, Covered2Go provides flexible and affordable family travel cover designed to keep your whole family safe.
Our family travel cover protects parents and children under one simple policy, so you can focus on making memories together — not worrying about what could go wrong.
What Is Family Travel Cover?
Family travel cover allows parents and children to be insured together under one travel insurance policy.
At Covered2Go, this includes:
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One or two adults
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All children (including foster children)
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Children aged under 18, or under 23 if in full-time education
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All children must permanently live with you
Both insured adults can travel independently, but all insured children must travel with at least one insured adult.
Why Choose Family Travel Cover?
Choosing family travel cover instead of individual policies offers several key benefits:
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Better value for money – one policy is often cheaper than buying separate cover
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Simple administration – manage one policy for the whole family
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Flexible travel – adults on annual policies can travel independently during the year
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Peace of mind – comprehensive protection for every family member
What Does Family Travel Cover Include?
Our family travel cover includes the core benefits you need when travelling together, such as:
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Cancellation, curtailment, and travel delays
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Lost, stolen, or damaged personal belongings
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24-hour emergency medical assistance and treatment
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Personal liability cover
These benefits ensure your family is financially protected if plans change or an emergency occurs while you’re away.
Is Family Travel Cover Really Necessary?
Yes — family travel cover is essential for any family holiday.
If a family member becomes ill or injured abroad without insurance, you may have to pay medical costs yourself. Healthcare expenses overseas can quickly escalate into thousands of pounds, particularly outside the UK or Europe. Having family travel cover in place protects you from unexpected financial strain and ensures your family receives the care they need.
Types of Family Travel Cover Available
We offer three main types of family travel cover, so you can choose the policy that fits your plans:
Ideal if you’re taking one holiday in a year.
A cost-effective option if your family travels two or more times a year. Covers multiple trips throughout the year.
Perfect for extended travel, gap years, or long-term family adventures.
Where Does Family Travel Cover Apply?
Our family travel cover can include travel to:
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The UK
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Europe
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Worldwide destinations
You can select the level of cover that best suits your travel plans.
Pre-Existing Medical Conditions and Family Travel Cover
To ensure full protection, all individuals on a family travel cover policy must declare any pre-existing medical conditions. Declaring conditions allows us to provide appropriate cover and avoid issues with claims later.
You can learn more about covering medical conditions here:
www.covered2go.co.uk/pre-existing-medical-conditions
For independent guidance on specialist medical travel insurance, you can also visit the MoneyHelper Directory.
FAQ Section: Family Travel Cover
1. What does family travel cover include?
Family travel cover includes cancellation and curtailment protection, emergency medical treatment, lost or stolen belongings, travel delays, and personal liability for the whole family.
2. Who is covered under family travel cover?
Family travel cover typically insures one or two adults and their dependent children living at the same address, usually under the age of 18 or under 23 if in full-time education.
3. Do children need to travel with an adult on family travel cover?
Yes, all insured children must travel with at least one insured adult for cover to apply.
4. Is family travel cover cheaper than individual policies?
In most cases, family travel cover is more cost-effective than purchasing separate travel insurance policies for each family member.
5. Does family travel cover include medical emergencies abroad?
Yes, family travel cover includes 24-hour emergency medical assistance and treatment, subject to policy terms and conditions.
6. Do I need to declare pre-existing medical conditions?
Yes, all travellers on a family travel cover policy must declare pre-existing medical conditions to ensure full and valid cover.
Get a Family Travel Cover Quote Today
Protect your family with reliable, affordable family travel cover and travel with confidence wherever your next adventure takes you.
👉 Get a quick quote for family travel cover today
Last updated: January 2026
