Travel insurance for family members is one of the key aspects of ensuring that a holiday abroad can be enjoyed safely. A family holiday will usually see a couple and their children heading for the sun to a hotel with all the amenities on tap. However, what needs to be considered is whether the policy fits the glove of all those within the family group.
One size doesn't fit all
For example, the parents may well be happy to rent a car for a day trip around the region, while the children, particularly if they are teenagers or grown up, may be eyeing up an extreme sport or two, or a fun night out. All the above scenarios are typical of a holiday, but what happens if the family are on holiday and uninsured and something goes wrong?
Leaving home without travel insurance for family groups can come back to haunt people, particularly if they suffer a car accident, a fall, or that extreme sport goes wrong. If people are hospitalised, without holiday cover it is highly likely they will have to pay out for their own hospital stays, and that could have a big impact on their life savings.
Further hospitalisation could well impact on the holiday and the enjoyment of all, as well as when the family gets home - such as being off work, unable to get children to school and so on.
So ensuring travel insurance for family members that provides excellent cover and for all eventualities is something that needs to be seriously considered before heading off abroad.
Using a reputable company that offers an affordable scheme is important. Whether the company is available 24 hours a day and every day of the year, as well as having translators available in case you end up having to speak to the local authorities in the country you holiday in, are questions that need to be addressed.
Weigh up the excess on the coverage that you are seeking and look into what is covered and what won't be. For example, a teenager's desire to do something such as scuba diving may well not be covered by your policy.
Make sure that the cover wraps around a trip from start to finish and will encompass all eventualities - including cancellations, theft of personal belongings, medical expenses and damage.
Buying travel insurance for family members before you go means those that are covered may well get extra benefits as part of the terms of the scheme. For example, the benefits can see free cover for children (depending on their ages), cover against terrorist attacks, upgrades for winter sports and cover for car hire.
To get the best cover, consider comparison websites that offer the best packages. By investing a small amount of time into a policy, families can enjoy their holiday to the full extent.
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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