⏱ 2 min read 📅 Updated Apr 2026

Family Travel Insurance UK 2026: Best Policies for Families

Family travel insurance covers all the family on one policy — cheaper than individual policies.

Chandraketu Tripathi

Finance Editor, Kaeltripton

Published 8 Apr 2026

Last reviewed 20 Apr 2026

✓ Fact-checked

Family Travel Insurance UK 2026: Best Policies for Families

⚡ Editor's Verdict — Big Savings vs Individual Policies
Family travel insurance covers 2 adults and all dependent children on one policy — significantly cheaper than individual policies. Aviva and LV= lead for UK family cover. A European annual family policy costs £60–£120/year.

Family travel insurance covers a family unit — typically 2 adults and all dependent children under 18 — on one policy. It is almost always cheaper than separate policies and much simpler to manage.

Family Travel Insurance Cost UK 2026

Policy Type	Typical Cost (Family of 4)	vs Individual Policies
European annual	£60–£120/year	Save £60–£100
Worldwide annual	£100–£200/year	Save £80–£150
European single trip (2 weeks)	£35–£70	Save £30–£60
Worldwide single trip (2 weeks)	£80–£160	Save £60–£100

Best Family Travel Insurance UK 2026

Provider	Children Covered	Max Child Age	Medical Cover	Trustpilot
🏆 Aviva	All dependent children	17	£10m	4.2/5
LV=	All dependent children	17	£10m	4.5/5
Staysure	All dependent children	17	£10m	4.5/5
Direct Line	All dependent children	17	£10m	4.1/5
John Lewis	All dependent children	17	£10m	4.3/5

⚠️ Most family policies cover children at no extra cost — but children must be named on the policy. Always add all children by name when purchasing.

What is family travel insurance?

Family travel insurance covers 2 adults and all dependent children under 18 on a single policy. It is cheaper than separate individual policies and available as single-trip or annual multi-trip cover.

Does family travel insurance cover children separately?

Most policies cover dependent children when travelling with the insured parents. Many also cover children on school trips — check your policy wording.

What age does family travel insurance cover children to?

Most policies cover children under 18. Some extend to age 23 if in full-time education.

Sources: Aviva family travel insurance · LV= travel insurance · ABI travel data 2026

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Editorial Disclaimer

The content on Kaeltripton.com is for informational and educational purposes only and does not constitute financial, investment, tax, legal or regulatory advice. Kaeltripton.com is not authorised or regulated by the Financial Conduct Authority (FCA) and is not a financial adviser, mortgage broker, insurance intermediary or investment firm. Nothing on this site should be construed as a personal recommendation. Rates, figures and product details are indicative only, subject to change without notice, and should always be verified directly with the relevant provider, HMRC, the FCA register, the Bank of England, Ofgem or other appropriate authority before any financial decision is made. Past performance is not a reliable indicator of future results. If you require regulated financial advice, please consult a qualified adviser authorised by the FCA.

Chandraketu Tripathi

Finance Editor · Kaeltripton.com

Chandraketu (CK) Tripathi, founder and lead editor of Kael Tripton. 22 years in finance and marketing across 23 markets. Writes on UK personal finance, tax, mortgages, insurance, energy, and investing. Sources: HMRC, FCA, Ofgem, BoE, ONS.