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Family Travel Insurance
Holidaying with your
family can be a risky proposition. Children do fall ill and
accidents happen, making it possible you might have to cancel or
interrupt your holiday. You will also be travelling with more
baggage, and children will be carrying some of it, which makes loss
a real possibility. Family travel insurance is a wise idea, and the
UK market has a variety of different policies to appeal to all
financial levels. As an added incentive, many policies cover
children for free if there are adults on the policy as well. Here
are some common types of coverage options, along with basic
information on how family travel insurance can help your family
through unexpected situations.
If your son breaks
his ankle while playing soccer, you might have to cancel your skiing
holiday. Unfortunately, depending upon how close to the holiday date
the accident occurs, some or all of the trip fees might be
non-refundable. Family travel insurance can help protect you in this
situation by covering the non-refundable parts of the trip.
While in the midst of
a tropical holiday, you receive a phone call that one of your
elderly relatives has died. You need to leave so that you can attend
the funeral. You can be reimbursed your costs for leaving a holiday
due to illness, injury, or a death back at home, if you have travel
interruption coverage on your insurance policy.
insurance policy may or may not cover the full costs of any types of
medical treatment when abroad. Travel insurance policies will
reimburse you for a certain percentage of your out of pocket medical
expenses. Make sure you check with the different vendors for
specific coverage limits.
While airlines often
cover a small portion of lost luggage claims, travellers know that
the real cost to replace their lost items is generally much higher
than the negligible amount offered by the airline. Family travel
insurance can help protect you from costly replacement expenses by
providing additional coverage in case of loss or theft.
Keep in mind that
family travel insurance policies must generally be bought at the
same time you book your holiday or shortly thereafter. Coverage will
vary so be sure to discuss your needs thoroughly with your insurance