When it comes to the family holiday, insurance is imperative. But wherever you are planning to go and whatever you are planning to do, you need to ensure that your policy will cover you appropriately.
The world is, literally, your oyster, so here are a few of the favourite kinds of breaks enjoyed by families, which are definitely covered by a good policy.
Beach breaks abroad
A beach break complete with sun, sea, sand and maybe a nice swimming pool is the ultimate family holiday. Insurance companies provide policies for many thousands of people travelling abroad for this kind of break every year. With many offering full-board accommodation, it’s easy to see the attraction. Make sure your policy covers you for any activities you might do while you are away, as well as providing coverage in case the tour operator goes bust before you go or while you are there.
Short weekend trips
You don’t need to travel abroad to have a great time. There are plenty of locations closer to home that offer you the chance to see and do all manner of different things. A lot of people only think to get coverage when they go abroad, but in truth family holiday insurance can be just as useful in your home country. If you book a short break and it gets cancelled you might still be able to get your money back. The same applies if your luggage is lost or stolen. It makes sense to have it just in case, no matter where you go.
Epic once in a lifetime trips
Yes, we’re thinking Florida and the magic of Walt Disney World here, but there are plenty of other potential “epics” you could go on as well. (It all depends what qualifies as epic in your gang!)
Wherever your adventure takes you, however, may need different considerations, so bear that in mind. If you are going to book a trip to America you need to make sure you have ample medical cover, as this is one of the most expensive parts of the world to be in if you need medical assistance, however major or minor. As a rule of thumb you should have around £2 million of cover for European holidays, and you need to double that if you’re heading to the US. Don’t skimp – if you needed to be flown back to the UK you’d need that extra coverage.
In short family holiday insurance is vital regardless of the kind of break you’re planning. Your entire group will be covered for the duration of the break and that’s priceless in terms of peace of mind.