Family Travel Insurance
It is best to have family travel insurance for you and your children. You can purchase travel insurance for a single holiday, or if you travel frequently, annual family travel insurance can work out cheaper. Some people believe that home insurance, an European Health Insurance Card (EHIC) or private health cover is sufficient but these don't cover everything. For example, if you become ill abroad and need to be returned to the UK by air ambulance, the cost can amount to tens of thousands of pounds and the British Embassy doesn't pay for this. The Foreign and Commonwealth office recommend that your insurance covers:
- Medical and health cover for an injury or sudden illness abroad.
- 24 hour emergency service and assistance.
- Personal liability cover in case you're sued for causing injury or damaging property
- Lost and stolen possessions cover.
- Cancellation and curtailment (cutting short your trip) cover.
- Extra cover as you need it for activities that are commonly excluded from standard policies, such as jet skiing.
They advise that the policy should cover the whole time you are away and to be eligible for cancellation cover,
should start as soon as possible after you book your holiday. As
optional extras, you can also get: - personal accident cover,
- legal expenses cover,
- financial protection in case you airline goes bankrupt before or during your trip.
Next information page: find out about the EHIC Card
Check it out: Family travel insurance from the AA