With so many people taking to the skies for foreign holidays these days, insurance companies have upped their game and now provide a whole range of travel insurance products tailored to meet the specific needs of travellers. Among these is family or group insurance.

With family travel insurance, your party if insured as a group, saving the trouble and cost of having to insure the members of your party individually. Insurers define family in different ways, so be sure to check their definition before you buy.

And you do not have to travel with your family every time to enjoy this type of insurance cover. In most cases, insurers will cover anyone named in the policy, even if they are travelling to another destination separately.

Further benefits include free child cover. You will find that most policy providers will offer completely free cover to children under the age of two, while others will provide free cover to all children.

Single parent families are now catered for also. Most insurers offer some sort of single parent family reduced rate so that single parent families do not miss out on the reduced insurance costs offered to other families.

Many parents will be aware that older teenagers are keen to travel outwith the watchful eye of their parents. However, in doing so thy will most likely have to take out an individual travel insurance policy as an existing group policy will not cover this.

As travellers over the age of sixty-five are considered to have a much higher medical risk than younger family members, people in this age group cannot usually obtain group or family insurance. It is possible for someone in this age group to be named on such a policy, but you should expect to pay a much higher premium to do so.

Families looking for insurance for a single holiday can take out single trip insurance, while those who plan to travel broad several times in a year could save more money by choosing to take out an annual family insurance policy.

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