Travel insurance for family holidays used to be a one-stop shop at the travel agents. Nowadays the industry has changed beyond all reckoning, but the ease with which you can now book online and buy your policy is better than ever.
Taking 20 to 30 minutes on a comparison website, enables you to consider the best options for cover, the excess and the quality of the provider. While the choice of policies on the market today may be mind blowing, why not consider these useful tips that will enable you to work more efficiently in choosing the best cover for your holiday?
Decisions, decisions
Probably the hardest part of choosing travel insurance for family holidays is considering what policy works best for you. Providers have a gamut of options from single trip to annual multi-trip policies, so thinking ahead may well help. If you're likely to embark on two holidays in a year, then an annual multi-trip family policy may work better in the long run.
Shop for the best
The Internet can truly offer the best travel insurance for family holidays, as long as you are prepared to shop around for the best deal. Comparison websites offer a multitude of options and can take much of the hard work out of looking for that elusive policy to fit your family's needs.
Limits can work
Limits - be they financial or geographical - can provide for cheaper cover. For example, you can stipulate only European or the specific part of the world you are travelling to rather than opting for worldwide cover.
Don't be tripped up
While limits can be a positive in driving down policy prices, the reverse is true in that you will need to look at the excess coverage - too high and you could be left out of pocket - and age and medical conditions may well work against those looking for comprehensive cover.
Declare everything
With most family holidays there will be a huge amount of high-tech gear in tow. Whether it be Ipads, laptops, cameras or mobile phones, it is important that travellers declare valuables, including jewellery, to ensure a claim can be made legally and smoothly if the item goes missing or is stolen.
Don't be too adventurous
Checking online for travel insurance for family holidays enables you to discover in real time what risky activities - such as scuba diving, rock climbing, water rafting - are covered by a chosen provider. Even innocuous pursuits can be deemed too adventurous for the policy provider, so always check for a safe and secure holiday. And if in doubt, just pick up the phone or email them to clarify matters.
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.
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