What is family travel insurance?
Family travel insurance is a single policy that covers your whole family. It’s a simple and cost-effective way for families to stay protected during their travels.
You can cover one or two adults and up to eight children on the same plan. In the event of an emergency, there’s just one number to call and one policy number to quote.
Covers medical emergencies. No one likes to think of the worst happening on holiday. But costs for emergencies could add up. For example, the average cost of a coronary bypass surgery in the US is $89,094. In Europe, costs vary even with a European Health Insurance Card (EHIC).
Covers trip cancellations. In Ireland, we spend an average of €2,800 on our summer holidays. Without insurance, you risk losing that money if unforeseen events mean your plans change.
Covers lost belongings. Family gadgets are expensive to replace if stolen or lost. Pickpocketing is common in busy tourist areas across Europe. The Department of Foreign Affairs warns Irish travellers of theft risks in Spain.
Family trip insurance from JustCover covers all this, and more. And with 100 family-friendly activities included, it lets you get up to more on holiday.
What are the benefits of family travel insurance?
Family trips are about making memories, but things don’t always go to plan. With JustCover, your whole family stays protected under one easy policy. You can focus on fun, not frustrations.
Some of the biggest benefits of taking out one family holiday insurance policy include:
- Convenience. Sorting separate policies takes time. One family policy keeps things simple.
- Price. One policy for all makes travel insurance more affordable.
- Flexibility. An annual family policy covers solo holidays for adults too. Travel with or without the kids, knowing you’re fully protected.
What does JustCover’s family travel insurance cover?
The best family holiday insurance lets you travel stress-free. With JustCover, you’re covered for medical emergencies, cancellations and lost baggage. Plus, flexible add-ons let you tailor your policy to match your family's plans. For full details of what is and isn’t included, read our Policy Wording.
What's covered
Emergency medical expenses – Covers treatment, tests and medication for illness or injury abroad. Includes repatriation to bring you home.
Cancellation – Unexpected event changed your travel plans? Your flight and accommodation costs are covered.
Curtailment – Protection if you need to cut your trip short due to an emergency.
Travel delay – Compensation for delays that affect your journey.
Personal belongings – Cover for lost or stolen baggage and its contents.
Personal liability – Covers legal costs if you injure someone or damage property.
Legal protection – Assistance with legal expenses if you need to claim damages while travelling.
What's not covered
Claims below the excess – Any claim must exceed your chosen excess amount.
Trips outside your cover region – Your policy must match the destination you’re travelling to.
Known events – Situations you knew about before booking aren’t covered.
Undeclared medical conditions – You must tell us all your pre-existing conditions when buying your policy.
Voluntary cancellation – You won’t be covered if you simply decide not to travel.
Family travel insurance vs group travel insurance: what’s the difference?
Family and group travel insurance sound similar, but they serve different needs. Travelling with your immediate family? Family insurance is usually the best choice. Bringing adult children, grandparents or friends? Group travel insurance may be a more suitable option for you.
Our family travel insurance:
- Covers up to two adults and up to eight children under one policy.
- Children must travel with a named adult on the policy.
- Ideal for parents and children travelling together.
Our group travel insurance:
- Covers up to 10 adults travelling together.
- Perfect for extended families, families with adult children or friends.
- Can be more cost-effective than separate policies for each traveller.
Choose the right level of cover
We offer different levels of cover to make your Travel Insurance as cost-effective as possible.
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Find the best travel insurance for families
Planning one big family holiday, or a whole year of adventures? Choose the plan that suits your travel style and get the right cover for your needs.
Going away just the once? Our single trip family insurance will be with you every step of the way. It protects you from the moment you book until you return home.
Annual multi-trip travel insurance
Annual family travel insurance covers all trips for a whole year. It’s great for family adventures, but also covers solo escapes for named adults.
Why choose JustCover for your family travel insurance?
There’s so much to think about when planning a family holiday. At least travel insurance is easy to tick off your to-do list. With JustCover, you get flexible cover and custom options to suit your needs.
Our family holiday insurance policies include:
- Unlimited emergency medical expenses and repatriation cover
- A 24/7 emergency helpline
- Over 100 sports and leisure activities included as standard
- Up to €10k cancellation cover¹
- Up to €3k personal belongings and baggage cover
98% of customers rate us as ‘Excellent’ or ‘Great’²
When to buy family holiday insurance
Booking your holiday? Now’s the time to get your family holiday insurance sorted. The earlier you buy, the more protection you’ll have if unexpected events affect your plans.
The full benefits of your family holiday insurance will begin on the travel dates you have selected. But if your policy includes cancellation cover, this starts when you buy your policy.
Irish families spend millions on holidays each year, and cancellations can be expensive. With average trip costs of €2,800, it can be a real financial hit if your trip gets cancelled last-minute.
With JustCover, you’re protected from unavoidable cancellations, medical emergencies and lost luggage. But don’t wait. Secure your family trip insurance as soon as you book your holiday.
How much does travel insurance for families cost?
Covering the whole family under one policy is a smart choice. It doesn’t just save time and paperwork. Bundling everyone under one policy can be cheaper than separate plans.
The price you’ll pay for your family travel insurance depends on several factors:
- Your destination. USA policies cost more than European policies, due to higher healthcare costs.
- Your health. If anyone in your family has a pre-existing condition, it could increase your premium.
- Your activities. Planning to ski, cruise or try an extreme sport? Flexible add-ons ensure you’re fully covered.
- The length of your trip. Cover for a two-week holiday will generally cost more than a short getaway.
- The size of your family. Insuring a family of three will cost less than a family of ten.
- Your age. Covering elderly family members, like grandparents, may cost more due to higher risks.
Specialist travel insurance for families
Families come in all shapes and sizes – and so do our policies. Different add-ons and cover levels let you build the policy that’s the perfect fit for your plans.
With no upper age limits, you can cover everyone, from newborns to great-grandparents.
Travel insurance with medical conditions
We can cover over 1,300 different conditions, so you can relax together on your holiday.
Ski & winter sports travel insurance
With cover for skiers up to 65 years old, your family can embrace the adventure.
Setting sail as a family? Get cover for cruise-specific mishaps, like cabin confinement.
Destinations covered by family travel insurance
With policies tailored to your destination, you’ll travel smart, every step of the way.
Planning a city break in Spain or a family holiday in France? Our European travel insurance helps you make the most of every moment.
Worldwide
Whether you’re exploring Australia, Canada, or the USA, our tailored cover will suit your plans.
Family travel insurance for pre-existing medical conditions
If a family member has a pre-existing condition, unexpected medical costs abroad can add up fast. But with a family policy from JustCover, you can enjoy your travels, knowing you’re all protected.
We cover emergency medical treatment, even for pre-existing conditions. You can take us with you, wherever you go!
As specialist medical travel insurers, we cover over 1,300 conditions, many at no extra cost. These include:
- Asthma
- Stroke
- Cancer
- Diabetes
- Disabilities
- Epilepsy
- Heart conditions
- Atrial fibrillation
Being covered is as easy as 1, 2, 3
Get your quote in seconds
You will only need to tell us some information about yourself and your holiday plans
Select and tailor your cover
Now all you need to do is to choose the level of cover that best suits your needs
Buy your cover and relax
Purchase your cover and you’re ready to go – we’ll take care of the rest!
Expert travel insurance recommendations from our team
“Finding individual policy numbers and figuring out what’s covered across different policies is the last thing you want to be doing in an emergency. That’s why we offer family travel insurance.
It’s cover for the whole family, across generations. Take the stress out of travel by reducing your admin. You can focus on relaxing, jet-skiing or just watching the kids and grandchildren explore.”
Peter Clark - JustCover Director
What our customers say
“I have insured our family with JustCover for around 15 years now. They have been excellent. We only really needed them once, but they were brilliant when that time came.”
see full reviewFrequently asked questions about family travel insurance
Does family travel insurance cover individuals?
Yes, it does. Annual multi-trip family policies cover named adults, even when travelling alone. Any children named on the policy are covered when travelling with a named adult. It can work out cheaper to cover multiple trips under one policy.
To get a family quote, you'll need up to two adults and at least one child under 18. Want to explore your options? Get in touch, and we’ll help find the right cover for you.
How many family members will family travel insurance cover?
Our family travel insurance can include up to two adults, aged 18 and above. It can also cover between one and eight children under the age of 18. With cover for up to ten family members, it’s just one simple plan. No need for multiple policies.
All our family travel insurance policies include cover for over 100 sports and activities. Check our Policy Wording to find exactly what we’ll cover.
Does family travel insurance cover cancellation due to illness?
Yes, we do offer cancellation cover if illness disrupts your travel plans. Please check your policy wording carefully to make sure cancellation is covered.
We always recommend taking out travel insurance as soon as you book. Your cover only applies if your trip is cancelled after your policy starts. Cancellation must be necessary and unavoidable. We can’t cover changes of heart or if you simply no longer wish to travel.
Does family travel insurance cover adult children?
Our family travel insurance covers two adults and up to eight children. If your adult children are travelling with you, they may need separate cover. Here are your options:
- Family travel insurance. Covers one or two adults aged 18 or over, and between one and eight children under 18.
- Group travel insurance. Ideal for adult children, grandparents or larger groups. Covers up to 10 adults under one policy.
- Individual policies. If they’re travelling separately, adult children may need their own insurance.
Want to make sure everyone is covered? Check the Policy Wording or explore group travel insurance for the best fit.
Is annual multi-trip or single trip travel insurance better for your family holiday?
It depends on how often you’re planning to travel this year. If you’re jetting off more than once, an annual multi-trip travel insurance policy is the best choice. Heading abroad just once? A single trip policy is all you need.
Annual family travel insurance covers named adults even when travelling without the kids – or each other. So if you’re taking multiple solo trips, it’s still a great option.
Do you still need family travel insurance with a EHIC card?
Yes, you do. Everyone needs their own EHIC card, even if you’re travelling together. But the Department for Foreign Affairs recommends getting travel insurance even with an EHIC. That’s because the EHIC doesn’t cover:
- The cost of replacing personal items if they’re lost or stolen.
- Destinations outside Europe.
- Any private healthcare you need.
- The cost of flying you home from abroad, if medically necessary.
- Mountain rescue services if you’re injured in a ski accident.
- Some treatment and prescriptions.
- Personal expenses related to illness or injury. Things like delaying your flights or extra nights in a hotel to recuperate.
Are there any age limits on family travel insurance policies?
Our family travel insurance covers people of all ages. The adults named on the policy can be 18, 80 or older. It also covers up to eight children, up to the age of 18. The only age limit across any of our policies is for winter sports, which has an upper age limit of 65.
Do children need travel insurance?
Absolutely. Travel insurance isn’t just for adults. Kids need protection too! Families make claims for children all the time. Getting cover keeps the youngest travellers safe from unexpected mishaps.
- Lost belongings – Toys, tablets and teddies can go missing. If luggage gets lost, your essentials stay covered.
- Medical emergencies – Trips to the doctor happen. Cover includes hospital visits, tests and treatment for unexpected injuries.
- Trip cancellations – Illness can ruin holiday plans. If your trip can’t go ahead, you’re covered.
- Travel delays – Long waits are tough with kids. If flights are delayed, get compensation to ease the stress.
- Personal liability – Accidents happen! Family cover includes legal costs if needed.
- Activity cover – Kids love adventure! Whether they’re cycling or heading to a theme park, our family policy will keep them protected.
All children under 18 must travel with an adult named on the family travel insurance policy.
Is your family covered for sports and leisure activities like winter sports?
For every activity you do on holiday, you’ll need to make sure your insurance will cover it. Our family travel insurance policies cover over 100 different sports and leisure activities. We’ll even cover activities like abseiling and zip-lining at no extra charge.
However, some activities, such as quad biking or skiing, carry a higher risk of injury. Others increase the likelihood you’ll be taking expensive kit. It’s why our family travel insurance policies let you add extra cover for extreme sports, winter sports and golf.
Planning on hitting the slopes with a grandparent? Our winter sports add-on is only available to people aged 65 and under (at the date of issue).
Can you get family travel insurance as a separated or divorced parent?
Yes, you can. Family travel insurance covers single, separated or divorced parents under one policy. As long as one named adult is included, you're protected while travelling. It also covers children and stepchildren, even if they live elsewhere. Just make sure you declare their details, including any medical conditions, when setting up your policy.
An annual multi-trip travel insurance policy covers trips without your kids. It means you’re insured year-round, even when you’re travelling solo.
Do you need family travel insurance for a domestic or staycation holiday in Ireland?
Family travel insurance is a smart choice for trips within Ireland. Unexpected events can disrupt travel plans even when you’re close to home. Personal belongings can get lost, stolen or damaged. It also covers cancellations due to illness or injury, so prepaid bookings aren’t wasted. Whether it’s accommodation, tours or activities, a last-minute setback won’t mean losing your money.
Does family travel insurance cover grandparents travelling with you?
Why should the youngest family members have all the fun? Our family travel insurance can cover grandparents if they’re travelling under the same plan. It includes up to two adults, with no upper age limits. Need to cover more than two adults? Our group travel insurance is a better choice for extended family. It lets up to 10 adults travel together.
Can you buy family travel insurance if you live at different addresses?
You can with JustCover. We know families come in all shapes and sizes. Our family travel insurance keeps everyone protected, even if they live at different addresses. Parents may live apart, or a grandparent might join the trip. One simple policy protects everyone. Even if your children live elsewhere, they stay covered under family insurance. Tell us all their addresses when you get your quote, and we’ll keep you protected – no matter where you call home.
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Affordable travel insurance for all your needs
2. Based on 2000+ Trustpilot responses, as of 12/05/2025.
†. Based on Trustpilot reviews of all companies in Ireland within the Travel Insurance Company category - January 2025.
* Discount applies to the base price only and does not apply to any premium generated to cover medical conditions or optional extras. This discount is automatically applied and cannot be used in conjunction with any other offer. Discount tiers of 5% for premiums between €0-49, 10% for €50-249, & 20% for €250+ apply. Offer ends at 23:59 on 30/09/25. T&C's apply.