#1:Travel Insurance For Family Holidays - What You Need To Know

affordable insurance - #1:Travel Insurance For Family Holidays - What You Need To Know
When you're travelling with the entire family, getting insurance cover can be quite the lifesaver; it could spell the difference between a carefree holiday and a disastrously costly experience. Finding the best policy helps
ensure you get good value for your money and offers the best benefits should you need them.

Here are a few things you will need to consider to make sure you do get the best coverage and the most appropriate travel insurance for family members.

Getting it Right

There are many different kinds of travel insurance for family holidays varying in the number of trips covered, size of group and what eventualities fall under the coverage.

Single or Multiple Trip? One of the first decisions you will need to make is whether to go for a single trip or multiple trip policy. If you travel with your family only once or twice per year, a single trip policy is perhaps the most cost-effective one for you. Definitely costing less than multiple travel policies, this ensures you can arrange the best and most comprehensive coverage for everyone travelling with you quite affordably.

What about the coverage? Many opt for the most basic travel insurance for family outings abroad, which may simply include medical and accident insurance. But these days, it also helps make sure you're covered for cancellations pre-trip and during travelling as well.

Lost Luggage? Lost luggage and stolen belongings is another eventuality you may wish to include on your policy. While some destinations and trip duration require minimal luggage, longer trips with more connecting flights can add to the risk of losing something.

Read the Fine Print

While travel insurance for family trips is usually aimed at groups with two adults and up to four children (up to the age of 18), this can vary from insurer to insurer. Make sure to check for restrictions such as age, residence address and whether you are a single parent.

You'll also need clarification when purchasing a policy to include grandparents and other types of extended groups. It may also be necessary to check whether your policy value is made up of a certain amount limit per member, or a total value that can be used for the needs (medical and otherwise) of the entire group, with no per-member limits. This will help make things easier should you later need to reimburse cash outlays for medical care, stolen possessions and the like.

Choose Wisely, But Choose!

In these days of uncertainty, getting the right cover for your holidays is as much a necessity as purchasing the tickets and accommodation. Choose carefully and you'll find it doesn't need to be necessarily prohibitive, and it may even save you money.

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.