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Things to Check Before Buying Travel Insurance for Family Holidays

Author: Lisa Jeeves
by Lisa Jeeves
Posted: Sep 16, 2014

There are two types of people when it comes to purchasing travel insurance for family holidays. The first type is the sceptic: they nit-pick details in insurance packages to the nth degree and sometimes don't end up purchasing anything. The second is the nervous type: they are so concerned about the many things that could happen during their trip that they instinctively purchase the first package they see without checking the details first. While it's very important to get proper coverage when you travel, it pays to be smart about it. This is why everyone should double-check the following points before they buy a policy. Don’t Pay Twice

There are many life or health insurance companies that offer basic travel coverage for things like lost luggage loss or unexpected cancellation of flights. In some cases, this might make getting separate travel insurance for family holidays an unnecessary expense. Credit card companies may also offer some kind of coverage when it comes to things like hotels or car rentals. However, for comprehensive coverage, especially when travelling with your family, it is very important to ensure you get a good policy – which covers you for every eventuality. The important thing is to confirm what your existing policies may cover so you can avoid paying twice for basic coverage.

Check the Cancellations

One of the most common inconveniences of travelling without insurance is last-minute flight cancellation - whether it's a personal emergency, change of mind or bad weather warning. While there are some providers who offer a full refund for cancellations due to inclement weather, it's not the only thing you need to worry about. Depending on your travel destination, you may also want to consider getting coverage for flight cancellations due to terrorist threats or attacks. This is not a default option, so make sure you ask about this aspect when you are purchasing your travel insurance for family holidays.

Injury and Accidents

Adventure travel plans are extremely exciting. Hiking in the Alps, diving off the beaches of Thailand, or even trekking in Peru are options on many people's bucket lists. But as much fun as these activities are, you can never be too careful when trying something for the first time – even more so when family is involved. So when purchasing your travel insurance for family holidays, do ensure you check the medical coverage to see if it covers the activities you plan on taking part in. Of of all the aspects of cover, ensuring your family's health is taken care of is definitely far more crucial than making sure you get a refund on your plane ticket.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance for family groups as well as annual, multi-trip and single-trip insurance. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.

About the Author

Writer and Online Marketing Manager in London.

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Author: Lisa Jeeves

Lisa Jeeves

Member since: Oct 18, 2013
Published articles: 4550

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