Tips to Find the Best Family Travel Insurance Policy

It's one thing to cut down on unnecessary expenses when you’re going on holiday, but quite another to opt out of family travel insurance. While there is no legal requirement to have it, it could cost you dearly if you decide to go without it.

You can save money by shopping around, though, which means it would be helpful to have a few tips and tricks to follow so you can get the best deals. Here is some advice that should help in this situation.

Make sure you don’t go with the first quote

Your family travel insurance could indeed be cheapest with the first insurer you find. However you won’t know that until you shop around to see what else is available. Shopping around is easier than ever now we have the Internet to help. There's no more hanging around on the phone for hours to get what you need; instead, you can normally save a quote for a set amount of time and come back to it later if need be. Every quote you receive should be valid for a certain period, so this means you won’t miss out even if you don’t opt for a particular quotation straightaway.

Check what cover you’re getting for your money

It’s easy to look at just the price and nothing else. However when you do this you can end up missing out on some more essential information. Just what are you getting for your money from a particular provider? Are you getting a great deal or is it deceptive, drawing you towards the price while downplaying the actual policy itself? If this is the case you might end up buying something that seems like a bargain when actually it doesn’t provide as much cover as a competitor’s policy.

Do the kids go free?

Some policies don’t charge anything to cover children – they merely charge for the adults on the policy and cover the children at the same time. However, don’t automatically assume these policies will be the cheapest. Always follow the other tips given above at the same time to ensure you really are getting a good deal.

It’s vital to have family travel insurance in place before you go anywhere. However, as you can see here, you do need to make sure you do some comparisons so you are able to get the policy that suits you. To this end you should make sure you don’t leave getting your insurance until the last minute. Take your time to shop around and check the market for a wide range of quotations. This is sure to give you a much better chance to get a well-priced policy offering good coverage - and really, that’s all you ever need.

Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including family travel insurance, 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.

Writer and Online Marketing Manager in London.