Family travel insurance tips for dummies

photo by CC user lawyergaoge on pixabay

Love them or loathe them, family holidays can be challenging at the best of times.

There are many variables to consider when it comes to travelling in a group. You’ve already got flights and accommodation to worry about, so don’t make travel insurance another headache it doesn’t need to be!

Comparetravelinsurance.com.au bring you their quick guide to top notch family travel insurance so you’ll be ready to buy a policy quicker than you can say “Disney land!”

Buy one policy for the whole family

No need to insure everyone separately. Whether you’re a family of four, or it’s the annual family reunion, a group family policy will be far cheaper than buying for each person individually.

Kids go for free!

A trip away with the kids can be the perfect opportunity to spend some much needed quality time together. And what’s more, the little nippers are included for free in your family policy. Age varies between insurers but generally dependents who are under 21, not in full time employment will be covered for no additional cost.

Buy direct for cheaper prices

If you’ve always gone to your travel agent to buy your holiday and travel insurance it’s time to change! Travel agents (and airlines) add huge commissions to the price of their travel insurance. So it pays to buy direct using a comparison site and cut out the middle man.

Make sure you’ve got enough cover

It’s rarely light to travel with the kids. Three ipads, two ipods, two iphones, two cameras and one laptop quickly adds up. Know that luggage cover limits apply to the whole family, not per person. So make sure you have enough cover when you buy your policy. Single item limits apply too.

Get cover for adrenaline junkies

Many adventure activities aren’t covered automatically. So check your policy to make sure go-karting, zorbing, black water rafting, abseiling and more are!

Compare travel insurance policies and save

Don’t pay too much for your travel insurance. Busy families will save time, worry and loads of money by comparing their travel insurance. These sites help you to compare multiple policies from dozens of reputable companies at once. It’s easy to see who offers the most cover at the best price. You just need to know the destination, dates of travel, who is going and the ages of the travellers and you’ll be comparing policies in no time.

Always be sure to check your policy documentation, known as a Product Disclosure Statement (PDS) before you commit to buy.

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