Family cover explained
What is family travel insurance?
Family travel insurance covers eligible adults and dependent children together under one policy. Depending on the cover selected, it can help with costs arising from cancellation or cutting a trip short, emergency medical treatment abroad, lost or stolen belongings, travel disruption and personal liability.
With Covered2Go, you can choose from Single Trip, Annual Multi-Trip or Longstay cover, with options for holidays in the UK, Europe and worldwide.
Family cover at a glance
One family policy
Cover eligible adults and dependent children together.
Flexible policy options
Choose Single Trip, Annual Multi-Trip or Longstay cover.
Destination choices
Options are available for the UK, Europe and worldwide.
Key travel protection
Cover can include medical emergencies, cancellation, belongings and disruption.
Please note:
Silver, Gold and Platinum cover levels apply to Single Trip and Annual Multi-Trip policies. Longstay has separate cover limits. Cover limits, terms, conditions, exclusions and excesses apply.
Family policy eligibility
Who can be covered by family travel insurance?
Covered2Go family travel insurance is available for families and single-parent families, provided everyone meets the policy’s eligibility requirements and is named on the policy schedule.
Family cover includes:
- Two adults who are spouses or cohabiting partners
- Unlimited financially dependent children aged under 23
- Children who live at home and are in full-time education
- Everyone named on the policy schedule
Kids go free:
Eligible dependent children are included at no additional cost on family policies, subject to the policy terms and eligibility requirements.
Single-parent family cover
Single-parent family cover is also available for one adult and their financially dependent children aged under 23, provided the children live at home, are in full-time education and are named on the policy schedule.
Does the whole family have to travel together?
Adults insured under an Annual Multi-Trip family policy can travel independently. However, children named on a Family or Single Parent Family policy must travel with at least one of the insured adults named on the policy schedule for cover to apply.
Terms, conditions and eligibility requirements apply. Please read the policy wording for full details.
What’s included
What does family travel insurance cover?
Depending on the policy type and level of cover selected, family travel insurance can help protect you against a range of unexpected events before and during your holiday.
Cancellation and curtailment
Cover for eligible, irrecoverable travel and accommodation costs if you have to cancel your holiday or cut it short for an insured reason. This can include prepaid car hire, excursions and activities, subject to the policy terms.
Emergency medical expenses
Cover for necessary emergency medical treatment abroad, including hospital treatment and medically necessary repatriation. Covered2Go Single Trip and Annual Multi-Trip policies provide up to £10 million per insured person, depending on the cover level selected.
Baggage and personal belongings
Cover for baggage and personal belongings that are lost, stolen or damaged during your trip, subject to the overall, single-item and valuables limits shown in your policy.
Travel disruption
Depending on the circumstances, cover can include certain travel delays, missed departures or connections and additional travel or accommodation costs.
Personal liability and legal expenses
Cover for certain personal liability claims and legal expenses arising during your insured trip, subject to the relevant policy terms and exclusions.
24-hour emergency medical assistance
Access to emergency medical assistance 24 hours a day if someone insured under the policy becomes ill or is injured while travelling.
Please remember:
Cover limits vary between Silver, Gold, Platinum and Longstay policies. Terms, conditions, exclusions and excesses apply, so always check that the selected cover meets your family’s needs.
Choose your policy
Single Trip, Annual or Longstay family travel insurance?
The right family travel insurance will depend on how often you travel and how long you plan to be away. Covered2Go offers options for one-off holidays, several trips during the year and extended stays abroad.
Single Trip family travel insurance
Single Trip cover is designed for one particular holiday, with cover arranged around your chosen destination and travel dates. It may suit families taking one main holiday or travelling less frequently.
Annual Multi-Trip family travel insurance
Annual Multi-Trip cover can be a convenient option for families planning several holidays during a 12-month period, such as Easter, summer and half-term breaks. Each trip is normally limited to 31 days, with 45 or 60-day extensions potentially available for an additional premium.
Longstay family travel insurance
Longstay insurance is designed for one extended journey. Cover is available for trips lasting up to 18 months for eligible travellers aged 64 and under, making it suitable for longer holidays, extended visits or family adventures abroad.
Quick guide
- One holiday: consider Single Trip cover.
- Several separate holidays: consider Annual Multi-Trip cover.
- One extended journey: consider Longstay cover.
Annual Multi-Trip cover is not automatically cheaper than separate Single Trip policies. Compare the premium, cover limits and permitted trip durations against your family’s travel plans.
Destination cover
Where can family travel insurance cover you?
Covered2Go family travel insurance can cover holidays in the UK, Europe and destinations worldwide. When getting a quote, you will need to select the geographical area that includes every country your family plans to visit.
UK family holidays
Cover is available for family breaks within the UK. For UK trips under Single Trip or Annual Multi-Trip cover, your holiday must include at least two nights of pre-booked, paid accommodation. Emergency medical expenses are not covered for trips within the UK.
Find out more about UK travel insurance
European family holidays
European cover can protect your family when visiting destinations such as Spain, France, Greece, Italy and Portugal, provided the destination is included within the geographical area shown on your policy.
Find out more about European travel insurance
Worldwide family holidays
For holidays outside Europe, you can choose from:
- Worldwide excluding the USA, Canada and the Caribbean
- Worldwide including the USA, Canada and the Caribbean
Check your destination before travelling
Make sure every destination on your itinerary is covered by the geographical area shown on your policy. You should also check the latest Foreign, Commonwealth & Development Office travel advice before booking and again before you travel.
Cover is subject to the policy terms, conditions and exclusions.
Medical cover
Can family travel insurance cover pre-existing medical conditions?
Yes, Covered2Go considers pre-existing medical conditions for every traveller named on a family policy. You will need to answer the medical questions accurately and tell us about any relevant conditions when getting your quote.
Declaring medical conditions for your family
Relevant medical conditions must be declared for each affected family member. Depending on the condition, you may need to complete a medical screening and pay an additional premium for cover.
If a condition is accepted, this will be confirmed as part of your cover. Medical emergencies relating to a pre-existing condition may not be covered unless the condition has been declared and accepted.
Find out more about travel insurance for pre-existing medical conditions
Why accurate medical information matters
Providing complete and accurate medical information helps ensure your family has the right cover. If relevant information is not disclosed, it could affect your cover or whether a claim is paid.
Medical cover is subject to acceptance and the policy terms, conditions and exclusions.
Important exclusions
What isn’t covered by family travel insurance?
Family travel insurance does not cover every situation. The exact exclusions depend on the type of policy and cover selected, but common examples include:
- Inaccurate or incomplete information, including relevant medical conditions that were not declared and accepted when required.
- Circumstances you already knew about when booking the trip or purchasing the insurance, whichever was later, where you could reasonably have expected them to result in a claim.
- Not following official travel advice, including travelling to a destination where the FCDO advises against all or all but essential travel.
- Sports or activities not included within your selected activity level or shown on your policy schedule.
- Belongings that have not been properly protected, including valuables left unattended or placed in checked-in baggage, subject to the policy conditions.
- Claims arising from excessive alcohol consumption where it was reasonably foreseeable that it could impair your judgement, or from being under the influence of drugs not prescribed by a medical practitioner.
- Trips outside the geographical area shown on your schedule or lasting longer than the permitted trip duration.
Check the full policy terms
This is not a complete list. Each section of cover has its own limits, conditions and exclusions, and a policy excess may apply.
Family policy prices
How much does family travel insurance cost?
The cost of family travel insurance varies depending on your family, holiday and chosen cover. Getting a quote is the easiest way to see the price for your specific travel plans.
What can affect the price?
- Whether you choose Single Trip, Annual Multi-Trip or Longstay cover
- The ages of the adults included on the policy
- Your holiday destination and geographical area
- The length of your trip
- Whether you choose Silver, Gold or Platinum cover
- Any pre-existing medical conditions requiring additional cover
- Any optional cover or activity extensions you add
Kids go free on family policies*
Family cover includes two adults and unlimited eligible dependent children at no additional cost.
*Dependent children must be under 23, living at home and in full-time education. Terms and conditions apply.
Why Covered2Go?
Why choose Covered2Go family travel insurance?
From one-off family holidays to multiple trips throughout the year, Covered2Go offers flexible travel insurance designed to help protect your family when plans change or something unexpected happens.
- Kids go free on eligible family policies*
- Which? Best Buy status for Silver, Gold and Platinum cover (2026)
- Up to £10 million emergency medical expenses cover per person, depending on the cover level selected
- 24-hour emergency medical assistance while you are travelling
- Single Trip, Annual Multi-Trip and Longstay options for UK, European and worldwide holidays
*Family cover includes two adults and unlimited dependent children under 23 who live at home and are in full-time education. Terms and conditions apply.
