What is family travel insurance?
Family travel insurance covers two adults living together and their children – up to 18 years old – who live with them. With this single plan, you don’t need separate policies for each family member. It protects you from travel cancellations, medical emergencies, lost luggage, and delays. Many plans include cover for multiple children at no extra cost.
Before you buy your policy, check the details. Children aged 17 years or under must be accompanied by at least one insured adult or another responsible adult aged 18 years or over with the full approval of the parent/guardian, for cover to apply.
We’ve partnered with Hood to offer protection for the whole family when you travel. We know that the cost of travelling with kids can add up, so we want to give you great value and the cover you need.
Emergency medical expenses and 24/7 helpline
Lost and delayed luggage
Cancellation cover
Cover levels
You can select from three levels of family travel insurance cover available with varying benefits, so you can find the right cover to suit your needs, letting you relax and enjoy your holidays throughout the year.
Orange cover
Up to £3,000 cancellation cover
£10m emergency medical & repatriation expenses
£1,250 for personal possessions
£500 hospital benefit (max £20 per day)
£500 gadget cover
£400 personal money
£25,000 legal costs & expenses
£100 excess
Silver cover
Up to £5,000 cancellation cover
£15m emergency medical & repatriation expenses
£2,000 for personal possessions
£1,500 hospital benefit (max £50 per day)
£500 gadget cover
£400 personal money
£25,000 legal costs & expenses
£50 excess
Black cover
Up to £7,500 cancellation cover
£20m emergency medical & repatriation expenses
£3,000 for personal possessions
£2,000 hospital benefit (max £80 per day)
£500 gadget cover
£750 personal money
£25,000 legal costs & expenses
£0 excess
Limits and exclusions apply to each cover level. For example:
- Excesses apply to Orange and Silver cover levels, unless you purchase excess waiver cover when you take out your policy.
- Personal money is excluded from baggage cover.
- Gadgets are covered under gadget cover for up to £500 as standard, depending on the level of cover chosen.
- If you decide to cancel your trip for a reason other than those listed in the policy wording, your cancellation claim will not be covered.
You should refer to your policy wording for all the limits on cover, conditions and exclusions.
What's not covered?
Here are some of the things that aren't covered:
- Medical conditions unless Hood have approved them in writing.
- You must have the proper passport, visa, and travel permission to be covered.
- Cancellations for reasons that aren’t listed in your policy.
- The loss or theft of money if you do not report it to the police within 24 hours (or as soon as possible) and provide a written report.
What are the benefits of family travel insurance?
Family travel insurance covers the whole family with one easy policy. It keeps everything in one place, which is helpful when travelling with kids. The policy covers things like buggies, car seats, and lost luggage. It also provides 24/7 emergency help, so you can always get assistance when you need it.
How much is family travel insurance?
The cost of family travel insurance depends on a few key factors. Here are four things that can affect your policy price:
- Destination – travelling to places with high healthcare costs or risks, like natural disasters, can raise the price.
- Trip duration – longer trips usually cost more.
- Policy type – if you take multiple trips in a year, an annual policy might be cheaper than buying one for each trip.
- Pre-existing medical conditions – if anyone has a pre-existing medical condition, the cost may go up.
Boost your cover with optional extras
Enhanced gadget cover
Get enhanced gadget cover for additional cover against accidental damage, theft or loss of your gadget or devices. Terms apply.
Winter sports cover
With winter sports cover, get extra cover for ski equipment, piste closures, accommodation issues and more. Terms apply.
Cruise cover
You’ll be covered for medical cabin confinement, missed ports, unused excursions and more. Terms apply.
Still not sure? Find answers to your questions
You need to buy your family travel insurance before you begin your trip. If you purchase it after your trip has started, it won’t be valid. To ensure you’re covered for any mishaps, the best time to get the insurance is as soon as you book your trip. This way, you are protected for any claims before you leave.
All RAC Travel Insurance policies allow you to travel alone if you’re 18 years of age and over under a family travel insurance policy.
Children aged 17 years or under must be accompanied by at least one insured adult or another responsible adult aged 18 years or over with the full approval of the parent/guardian, for cover to apply.
Yes, every family member must have a GHIC. A GHIC (Global Health Insurance Card) gives access to free state health care in the EU and Switzerland.
Even if you're staying in the UK, getting travel insurance for your holiday can be a smart choice. It can help cover costs related to cancellations, delays, and lost or delayed luggage. You’re covered for trips in the UK if you have booked at least 2 consecutive nights at least 70 miles from home.