## Best Trip Insurance for Families in the UK (2025)
Travelling with children or as a couple? You’ll want to make sure your trip insurance protects the whole family. In this 2025 guide, we break down the
best trip insurance options for families in the UK — based on price, cover, child-friendly policies, and COVID-19 protection.
### Why Families Need Specialised Trip Insurance
Children can get ill suddenly, luggage goes missing, and trip cancellations are far more disruptive for families than solo travellers. Family trip insurance offers broader protection and is often cheaper than buying individual policies.
- One policy, all covered: Parents and children under one plan
- Cover for multiple kids at no extra cost with some providers
- Higher baggage & gadget limits for family needs
### Top Family Trip Insurance Providers in the UK (2025)
| Provider |
Family Cover Features |
Estimated Cost (7-day EU trip) |
| Aviva |
Children under 18 covered for free, 24/7 medical line |
£18.99 |
| Post Office Travel Insurance |
Family-friendly cover with good cancellation terms |
£20.50 |
| Coverwise |
Gadget cover and cancellation for school exams |
£16.25 |
| AllClear |
Great for families with pre-existing medical conditions |
£24.00 |
| InsureandGo |
Free kids cover with two adults, good COVID-19 options |
£19.75 |
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Note: Prices vary based on destination, ages, and level of cover. These are estimates for 2 adults + 2 children.
### What to Look for in Family Trip Insurance
- Free child cover: Some insurers let you add children at no extra cost
- Strong cancellation cover: In case a child or parent falls ill
- High baggage limits: Kids = more gear
- 24/7 helpline: Especially important when travelling with kids
- COVID-19 cancellation cover: Still essential in 2025
### Annual vs. Single Trip for Families
If you’re planning more than one trip this year — e.g., summer holidays, half-term breaks — then an
annual multi-trip family policy may be more cost-effective.
- Single trip: Best for one-off family holidays
- Annual multi-trip: Ideal for families that travel at least twice per year
### Family-Friendly Policy Add-Ons to Consider
- Adventure sports cover (e.g. skiing, snorkelling)
- Gadget cover (phones, tablets, cameras)
- Cruise cover if you’re doing a family cruise
- School exam cancellation cover (missed exams = trip loss)
### Related Articles
### Final Thoughts
Trip insurance for families should be affordable, comprehensive, and reliable. Don’t just go for the cheapest — compare benefits, read reviews, and make sure the policy fits your family’s needs.
