Family travel insurance, or family holiday cover, is aimed at insuring families travelling together to cover them against accidents, lost items, and other incidents you may encounter with travel. This removes the need for separate insurance policies for each family member and can help you save money on your trip.

Family travel insurance typically covers one or two adults living at the same address as well as at least one child, but can include up to 8 children. Always make sure to check the policy wording, as some policies might not cover family members travelling separately or children who don’t live with the family permanently.

If you’re travelling abroad with children then it’s highly recommended to get travel insurance which covers them against any accidents or emergencies while you’re travelling together abroad, giving you the peace of mind that they can get the help they’d need.

We’ve even made it as easy as possible to get holiday cover for your kids by having insurance for up to 3 kids under 18 for free* when you buy direct with us.

Some policies will allow members of your family to travel independently and remain covered, but it all depends on your insurer and their specific conditions. With us, all adults named on the policy are able to travel independently without voiding the insurance.

Children under 18 must be travelling with an adult also named on the same policy in order to be covered.

Travel insurance policies generally cover you for the unexpected illness or death of a close family member if it disrupts your holiday plans. This means you wouldn’t be covered if a close family member falls ill or dies from a condition they already had when you took out the policy. You should always check the detail of individual policies to see the level of cover provided.

Usually, you should be able to take a solo trip while using your family travel insurance, but always check your policy carefully before travelling to make sure you’re covered. Asda Money annual multi-trip travel insurance allows any adult to travel independently using their family policy. You should also make sure your personal details are up to date and you’ve declared any pre-existing medical conditions.

Family travel insurance can be a more cost-effective way of providing cover for your whole family rather than buying it individually for each member. The cost will also depend on the level of cover you choose, and the individual details of your family members. With Asda Money, up to three kids go free with every adult included in the policy, subject to medical screening.

Any adult covered by Asda Money family travel insurance can travel independently. However, children under 18 need to be travelling with an adult named on the same policy in order to be covered.