How to find the Best family travel insurance UK?

The UK can be an ideal destination for a family trip. However, don't forget to purchase travel insurance for your entire family to prepare for unforeseen circumstances that may occur during the journey. In this article, let's explore with Travelner Insurance about travel insurance in the UK, what it covers, and how to find the best family travel insurance UK.

How to find the best family travel insurance UK?

1. Why should you buy travel insurance for family trip to UK? 

There are several reasons why having travel insurance for a family trip to the UK is essential:

• Medical Coverage: Healthcare costs in the UK can be very high for visitors, especially if accidents or sudden illnesses occur. Travel insurance covers medical emergencies, so you and your family can get necessary medical care without paying extremely high bills.
• Trip Cancellation or Interruption: Sometimes unexpected things happen, like family emergencies, natural disasters, or other unforeseen events, that might make you cancel or cut short your trip. Travel insurance can refund you for expenses that you can't get back, like flights, hotels, and activities, so you don't lose too much money.
• Lost or Delayed Luggage: It's never fun to lose your luggage or have it arrive late—it can mess up your travel and be really annoying. Travel insurance covers lost, stolen, or damaged bags, and it can also pay you back for things you need to buy because your luggage is delayed.
• Flight Delays or Cancellations: It's normal for flights to be delayed or canceled, especially during peak travel seasons. So, you can get money back for extra costs like hotels and meals if your flight is unexpectedly delayed or canceled.

In summary, having travel insurance for a family trip to the UK gives peace of mind and financial protection for many unexpected events. Whether it's high medical bills, flight problems, or lost luggage, travel insurance means your family can enjoy their trip confidently, knowing they're covered for any surprises.

2. Which Type of Travel Insurance Can You Buy for a Family Trip?

When it comes to purchasing travel insurance for a family trip, you have two main options:

Family Travel Insurance UK: This type of insurance covers all members of your family under a single policy. With a family policy, all members are covered under the same terms and conditions. This option offers convenience as managing one policy for the entire family is much easier than dealing with multiple policies.

However, there are some drawbacks to consider. Family policies may provide limited individual coverage compared to policies purchased separately. This could potentially leave certain family members underinsured for specific risks or activities. Additionally, all family members are dependent on the terms and conditions of that policy. If the policy does not adequately cover a particular event or circumstance, all family members may be affected.

With a family policy, all members are covered under the same terms and conditions

Travel Insurance for Each Member of the Family: Alternatively, you can opt to purchase separate travel insurance policies for each family member. This option allows each family member to tailor their coverage to their specific needs (pre-existing conditions, for example). Individual policies offer greater flexibility in terms of coverage options, deductibles, and add-ons. Each family member can choose the level of coverage that best suits their travel plans and budget. 

In addition, individual policies typically do not have age restrictions or limitations, ensuring that coverage is available to all family members regardless of age. This approach ensures that each family member receives personalized coverage that meets their individual requirements, providing peace of mind for the entire family during the trip.

In summary, both options have their advantages and disadvantages, and the choice between family travel insurance covering the whole family under one policy and standard travel insurance purchased for each family member individually depends on factors such as cost, convenience, coverage needs, and personal preferences. 

Additionally, regardless of the type of travel insurance chosen, you also have the option to purchase either a single trip or an annual policy. A single trip policy provides coverage for a specific journey, whereas an annual policy offers coverage for multiple trips within a set period, typically one year. The choice between the two depends on how frequently your family travels

3. Tips for finding cheap family travel insurance UK 

Here are some tips for finding affordable family travel insurance in the UK:

• Compare Quotes: You can visit Travelner Insurance's website. Our online comparison tool can help you easily compare prices and coverage options from various travel insurance plans. Please note the policy maximum and select the same deductible level when comparing prices. These two factors can impact the cost of your travel insurance, so it's essential to consider them carefully to ensure you're getting the best value for your coverage.
• Consider Annual Policies: If your family travels frequently, consider purchasing our family annual travel insurance UK policy. You can buy this policy once a year and take multiple trips. For example, with Travelner Insurance's Annual policy, you can go on multiple trips within the year, with each trip lasting from 30 to 45 days. 
• Opt for Basic Coverage: Choosing a basic plan with standard coverage can help you save costs. If the basic coverage meets your family's needs adequately, you may not need to purchase premium packages. Similarly, if your family does not participate in adventurous activities such as skiing during the trip, you may not need to purchase additional coverage for risky activities. Assessing your family's specific needs and opting for a basic coverage plan accordingly can help you find an affordable and suitable travel insurance policy.

If your family enjoys adventurous activities, get additional coverage.

• Look for Discounts: Many insurance companies offer discounts for family or multi-trip policies. For example, Travelner Insurance provides up to a 24% group discount on consultation fees when you buy travel insurance for your family. Before purchasing, make sure to ask customer service about the discounts available to you.
• Consider Deductible: A deductible is the amount you have to pay before your travel insurance covers the rest of the expenses. So, if you want to reduce costs, you can opt for a higher deductible. However, this means you'll have to pay more and take on more risk if you choose a high deductible when making a claim. When purchasing travel insurance on the Travelner Insurance website, you can choose deductibles ranging from 0 to 2500.
• Review Policy Limits: Policy limits can affect travel insurance costs. So, let’s get the policy limit suitable for your family’s travel needs. For example, if you feel that a policy limit of $US 1,000,000 is sufficient for your family's needs, you don't need to purchase a travel insurance package with a policy limit of $US 8,000,000. 
• Read Customer Reviews: Research customer reviews and ratings of insurance providers to assess their reputation for affordability, customer service, and claims handling. Choose a reputable insurer that offers quality coverage at a reasonable price.

By following these tips and taking the time to compare options, you can find affordable family travel insurance in the UK that provides adequate coverage and peace of mind for your family's trip. 

4. Best travel insurance for families UK

If you're looking for travel insurance for your family trip to the UK, look no further than the Patriot Travel Series. You can purchase the Patriot Travel Series for UK trips lasting from 5 days to up to 12 months. These plans cover individuals from 14 days to 99 years old, ensuring that family members of any age can be protected. With medical expense coverage up to the policy maximum (up to $8 million), these plans ensure compliance with the €30,000 requirement when visiting European countries. Additionally, these plans offer coverage for Covid-19 Medical Expenses, Emergency Medical Evacuation, Emergency Reunion, Identity Theft, Lost Luggage, Personal Liability, Return Travel, and 24-Hour Accidental Death and Dismemberment.

Patriot Travel Series is one of the best travel insurance for families UK

Purchasing a Patriot Travel Series plan is extremely simple on the Travelner Insurance’s website. After you input information about your travel trip and personal details, Travelner Insurance will suggest Patriot Travel packages suitable for you. You just need to review and select the appropriate package, then proceed to complete the payment.

5. Conclusion

In conclusion, travel insurance is essential for your family. Hopefully, this article will help you find the best family travel insurance UK for your next trip. If you have any questions, don't hesitate to contact the Travelner Insurance consultant team. We will advise you on the travel insurance package that suits your needs. By purchasing travel insurance from Travelner Insurance, you can rest assured that your family and your loved ones are always protected in case of any unexpected situations.