If you have a large family and you want to go on holiday this year, then you will need to ensure that everyone is covered on your insurance policy. Whether you are travelling with young children, elderly parents or teenagers, it is vital to make sure you have insurance for everyone who will be on the trip as you never know what could happen. Travel insurance will cover you for a wide range of eventualities and it acts as a financial safety net if an unexpected problem were to happen.
However, it is equally as important to ensure that you organise your insurance through a reputable company as you will need to make sure you can trust the company to pay out if you need it, rather than find something in the small print that means you won’t receive anything. This means you will need to do lots of research on different insurance providers to find one that offers affordable deals and that has a good reputation in the sector. You can read online testimonials and ask other people what their experience was like with different companies and make sure you always read the small print.
PEACE OF MIND
When you travel abroad with family, it can be a worrying time as children often find themselves in sticky situations as they go exploring in a new and exciting place. For cheap family travel insurance, contact Now Travel Insurance for an affordable quote and this will help you to enjoy peace of mind while you and your family are on holiday, soeven if the kids end up with a few cuts and scrapesand need a quick trip to the doctor – it won’t cost hundreds of pounds to get simple treatment.
Here are a few of the features you should look out for when you organise travel insurance for all of the family:
- Baggage and personal effects cover
- Cover for travel delays
- Missed flights
- Insurance for travel for the entire year
- Holiday abandonment
- Medical expenses
- Repatriation
- Dental costs
It is vital to ensure that your insurance will cover you for your medical expenses, as these can quickly spiral out of control when you have an accident or illness in a foreign country.
WHY COVER THE ENTIRE FAMILY?
When you go on holiday with children under the age of 18, you never know what can happen! As any parent will know only too well, kids like to get into all kinds of mischief, especially when they are on holiday as they find it exciting to discover a new place. They will run around and explore all kinds of fun things and in their heightened excitement;they may end up losing a bag or tripping over and hurting themselves. It is important to have insurance that will cover the cost of these things and if you plan on going away more than once in one yearas a family, then you should organise an annual travel insurance package.
SINGLE PARENT FAMILIES
If you are a single parent with a large family, then you should look for a specialist insurance company that will help you to create a bespoke insurance package to suit you.
This will usually include the following:
- Coverage for up to four children under the age of 18
- Coverage for a single adult
- A choice of annual or single trip insurance packages
It is also possible to cover children under the age of 18 on the policy who are not travelling with the rest of the family but who are travelling with a responsible adult. This means if you go on holiday and your 16-year-old wants to follow in a few days with another adult, they will still be covered on the policy.
ADDITIONAL COVERAGE
As well as being able to get hold of insurance for the most common problems such as medical expenses and lost luggage, you will also be able to add extras onto your deal depending on the type of holiday that you plan to go on.
Here are some of the most common:
- Winter sports
- Business travel
- Golfing holiday
You might want to take your family skiing, in which case you will need to ensure that your family insurance package covers everyone for doing an activity like this. If you want to go away on business but you want to take the rest of the family with you so that they can have some fun family time together while you work, then you should look out for an insurance deal that covers you for everything from extra baggage delays to hiring business equipment. For those of you who love golf but who also want to take the entire family away while you enjoy time on the greens, you should look out for a specialist golfing holiday package that will cover you for everything, from green fees through to golf equipment rental.
CHECK THE DETAILS
It is vital to always check the small print in the terms and conditions of your insurance policy to see what the package covers and what it doesn’t.
You should always check the following:
- Are there are countries that you will not be covered in with your policy,such as Syria or Cuba?
- Are there any activities that you will not be covered for, such as skiing?
- Who will be covered by the policy?
- How long the policy is valid for?
- What does the policy cover you for?
When it comes to taking care of your family when you go on holiday, getting a good deal on your insurance is vital. You will need to make sure you organise your deal through a reputable insurance company and you can ask them to create a personalised package deal for you if you can’t find one that suits your needs. The most important thing to do is ensure that everyone who is travelling will be covered on the insurance, from your youngest child to your partner.
