Up to £15,000 cancellation cover per personOn Signature policies only
Cover for pre-existing medical conditions and all ages
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Excellent 4.7 | 542,975 reviews
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“An excellent product with a comprehensive range of features and benefits" - Defaqto
Awarded Best Company for Travel Insurance at the British Travel Awards 2016-2025
Family travel insurance at a glance
Staysure family travel insurance covers one or two parents and their dependent children (under 18, or under 21 if in full-time education) under a single policy. It includes unlimited cover for medical emergencies on Comprehensive and Signature policies, plus protection for cancellation or cutting a trip short, lost or stolen baggage and more. Getting a quote is easy online or over the phone.
Staysure has specialised in travel insurance for pre-existing medical conditions since 2004. 97% of customers are able to get medical cover with us. We hold a Defaqto 5-star rating for our Comprehensive and Signature policies, and have more 5-star Trustpilot reviews than any other UK travel insurance provider.
Planning a family trip? You're probably weighing up the first flight out or the last one in, a hotel for the grown-ups or one with a water park, and whether to pack it all in or really switch off. Then there's the stack of separate travel insurance policies to deal with.
Family travel insurance replaces that stack with a single policy. It covers one or two parents and their dependent children (under 18, or under 21 if in full-time education) – and if one person needs to cancel or cut the holiday short due to a medical emergency, everyone else can be covered too.
If your holiday includes grandparents, cousins or extended family, a group policy may be a better fit. You can buy cover for up to 9 people online, or up to 30 over the phone, even if you don’t all live at the same address.
emergency medical treatment abroad – including hospital care, ambulance transport and overnight stays if you fall seriously ill or are injured while away.
getting you home safely – repatriation cover if you’re too unwell to travel as planned, including specialist medical transport if needed.
cruise cancellations due to illness or injury – including if you're too unwell to travel, or experience a bereavement.
cutting your trip short – cover if something serious happens mid-holiday and you need to return early.
lost, stolen or damaged belongings – including your baggage, passport and personal money.
pre-existing conditions – if you’ve told us about them and we’ve accepted them, they can be included in your policy.
Example: You’ve booked a family trip to the USA – flights, a villa, and pre-paid theme park tickets. A few days before you travel, your toddler gets chickenpox. Their doctor advises not to go. With family travel insurance, you could claim back the cancellation costs for everyone on the policy.
What isn’t covered?
cancelling because you’ve changed your mind – cover only applies to unexpected and insured reasons.
missed flights – unless it’s due to a strike* severe weather, or mechanical breakdowns.
undeclared medical conditions – always let us know about any health issues when you get a quote.
unattended items – valuables left alone may not be covered.
activities not listed on your policy – like extreme sports, unless you’ve added them.
travelling against advice of the Foreign, Commonwealth and Development Office (FCDO) – policies won’t cover destinations where the UK government advises against all travel.
incidents involving alcohol or drugs – claims related to excessive alcohol or controlled substances won’t be accepted.
going against medical advice – for example, flying too soon after an operation or illness.
travelling for the purpose of receiving medical treatment – including consultations, tests, or planned procedures abroad.
Example: You book a family trip to the high-altitude city of Boulemane, Morocco knowing your child has asthma. It’s well managed, so doesn’t feel like something worth mentioning when you buy your travel insurance – but if you need to claim or cancel as a result, it won’t be covered.
Family travel insurance for medical conditions
A big family getaway already takes planning. Add pre-exising medical conditions into the mix, and there's even more to think about.
In the UK, around 1 in 11 children have asthma, up to 40% have a diagnosed allergy, and thousands are living with more complex conditions like cystic fibrosis or cancer. It's more common than you might think, and certainly shouldn't be what puts the brakes on your next trip.
As a medical travel insurance specialist, we cover over 1,300 medical conditions,** and all ages. That means you can jet off knowing that if something changes, whether it's a flare-up or medical emergency, you'll have our expert support.
Medical conditions we regularly cover
We regularly help families like yours get cover for health conditions, including:
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Free English-speaking medical help abroad
Travel Doctor, our new online service, connects you with an English-speaking doctor if you need medical support while you are abroad.*** It lets you book a video-based consultation to discuss your health needs with a doctor right from your sun lounger.
You can choose a slot that works for you, go through your symptoms, get your prescription and even use Travel Doctor to find your nearest pharmacy, so you can get your meds and get on with enjoying your holiday.
Pick a travel insurance policy and tailor it to you
Shout bon voyage to a one-size-fits-all policy and give a warm welcome to holiday insurance that's all about you. Join over 12 million people who've trusted us with their travel insurance since 2005.
Which destinations are covered by travel insurance for families?
With Staysure, you can choose European or worldwide cover – so, whether it's your yearly jaunt to Mallorca, a once-in-a-lifetime trip to Thailand, or somewhere even further away on the map, your policy is set up for the journey ahead.
Just make sure all your destinations are included when you get your quote. You’ll also need to check the latest Foreign, Commonwealth & Development Office (FDCO) advice before you travel – as cover might not apply if you visit a country against their guidance.
“A family getaway doesn’t mean you have to travel far. If you’ve booked at least two nights’ accommodation in advance, we can protect your UK holiday, just like a trip abroad.
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How to get family holiday insurance
1. Tell us about your trip
To get started on your quote, we’ll go over your travel plans. We need to know who’s coming along, where you’re heading, how long your trip will be, and whether you need insurance for a single trip or annual multi-trip cover.
For cruises, it’s important to include every destination on your itinerary, as well as any flights to and from your port.
2. Share your medical history with us
Next on the list, we’ll go over some health questions for each family member so we can make sure you get the best medical cover while travelling. Now is the time to tell us about any health concerns that needed medication, medical advice, or treatment during the last two years.
3. Get a tailored quote
Once we have everything we need, we’ll give you your personalised quote, either online or by reading it out loud over the phone.
You’ll be able to choose your level of cover and add any optional extras that suit your trip, like Cruise Plus if you’d like more cover while you’re at sea.
If you’d like more time to think it over, we can also send your quote by email so you can go through it in your own time.
Many experts agree that buying travel insurance as soon as you’ve booked your holiday is the best way to go. By doing this, you’ll be covered during the run-up to your holiday and while you’re abroad.
Despite the benefits of buying early, lots of people leave it to the last minute. Our sales data from July 2025 to January 2026 shows that the majority of travellers purchased their policy within 30 days of leaving, with a significant proportion doing so within just a few days of departure.
Travel insurance can’t be backdated, so it’s best to get it locked in before you are on holiday. If you still have to get your policy in place for future travels, it’s not too late. Simply get in touch with our friendly team to get a quote.
How much is family travel insurance?
The cost of your family holiday cover depends on your trip, including your destination, how long you’ll be away for, the ages of everyone travelling and any medical conditions you declare.
For example, a short UK break or family getaway to Italy will usually cost less than a two-week trip to the USA, where medical care is more expensive and there’s more to protect.
How to get cheaper family travel insurance
Want to shrink the costs of your travel insurance while still getting the most out of your policy? Keep these tips and tricks in mind before you buy:
buy your policy early – taking out travel insurance soon after booking your trip can keep you covered if you need to cancel before you travel.
choose a higher excess – a higher excess will help to lower your premium, but be sure to choose an amount you’re comfortable paying if needed.
skip the add-ons – by not adding things like cruise or gadget cover if you don’t need them, you can lower your overall cover cost.
declare your medical conditions – being open about your health history helps to ensure the right cover is in place and makes sure all your claims sail through.
combine travellers on one policy – make sure all your travel companions are on the same policy, such as our family travel insurance, to save on cover costs.
keep your baggage light – by taking only what you need, you can lower the baggage limit on your policy and bring your premium down.
find a discount – make sure you swing by our discounts page before you buy so you can save on your policy.
Beth Craig
Travel insurance expert
A cheaper way to cover your trip
What our expert says…
“When you're in the middle of planning and the details are piling up, it can be easy to end up with separate policies for each person, all covering the same trip. A family policy brings it all together on one plan, so you're not paying for the same thing twice (or thrice, or five times over).
”
Excellent 4.7 | 542,975 reviews
The UK’s favourite travel insurance provider
with more 5-star Trustpilot reviews than any other provider. ‡
Clear and simple paperwork
Ideal for people taking medication, clear and simple paperwork with a number of options to tailor your policy. Fair price too.
Paul,
This is a great company have never had…
This is a great company have never had a problem with them Thank you all
Nicholas Maslen,
Staysure give good service
Staysure give a reasonable cover at a very reasonable price.
Renewal each year is very easy.
Mr Horner,
Voted Best Travel Insurance 9 years running
The British Travel Awards have recognised us as the Best Company for Travel Insurance nine years in a row (2016-2025). This achievement is based on the votes of real customers, showing the trust travellers place in us.
This award is only given to travel companies that provide stellar service to their customers. It shows that we prioritise customer service, round-the-clock support when you need it most, and a reliable and speedy claims process.
Other families often ask...
Cruises are a big hit on multi-generational holidays, with 28% of travellers sailing with 3 to 5 generations.
If you’re travelling as a family unit (1 or 2 parents with children) our family travel insurance can cover you all under one policy. Children need to be under 18, or under 21 if in full-time education.
If your group is a little bigger – think grandparents, siblings, or friends travelling together – our group travel insurance is likely a better fit. You can cover up to 9 people when booking online, or up to 30 when you call us. You don’t all need to live at the same address.
Whether you choose family or group cover, you’ll all be covered under one policy, which keeps things simple. And if one person needs to cancel or cut short their trip due to a medical emergency, the rest of your group can be covered too.
Yes, you can take your grandchildren on holiday – but you’ll usually need written permission from a parent or legal guardian, especially if you’re travelling abroad. It's also worth carrying a copy of their birth certificate, their parents' contact details, and other important documents, just in case it's needed at the border.
From a Staysure travel insurance perspective, grandchildren and grandparents won’t be covered under a family policy, as it’s designed for parents travelling with children. Our group travel insurance policy may be a better fit in this scenario.
Family holiday insurance is available for one or two parents travelling with their dependent children, so you can take out a policy as a single parent.
You don’t need to name both parents on the policy.
Our family travel insurance policies are designed for one or two parents travelling with their dependant children. So, if your trip is starting to look more like a family reunion with nieces, nephews, cousins, or grandparents joining, a family policy may not be the best fit.
Our group travel insurance policies can cover up to 9 people if booked online, or up to 30 if bought over the phone – even if you don’t live at the same address.
Even if your policy covers you and your children, you don’t all have to travel together for every trip.
Just make sure your policy includes the trip you’re taking. For example, if your annual multi-trip policy is for Europe only, we wouldn’t be able to cover a solo trip to Australia unless you updated us via My Staysure.
Pregnancy doesn’t usually count as a medical condition for our travel insurance policies.
If your pregnancy has been straightforward and hasn’t had any complications, you usually won’t have to declare it. However, if there have been any medical complications, like gestational diabetes, pre-eclampsia, high blood pressure, or if you’ve needed any extra monitoring, you’ll need to let us know.
It’s a good idea for everyone travelling to have their own GHIC, including children.
A GHIC card will give you access to state healthcare in certain European countries, often at a reduced cost or for free. But remember, it isn’t a replacement for travel insurance and can’t cover things like repatriation, cancellation, or baggage.
Our travel insurance policies for families cover more than 100 activities as standard.
This includes things like boogie boarding, catamaran sailing, ice skating, jet skiing, volleyball, swimming, surfing, Pilates, rowing, skateboarding, snorkelling, water parks, and cycling, with some exceptions when it comes to personal accident and liability cover.
Planning on hitting the slopes with children in tow? Ski trips are a different kind of family holiday, and your cover needs to keep up.
Winter sports cover is automatically included if you choose a Comprehensive or Signature annual multi-trip policy. For Comprehensive and Signature single-trip policies, you’ll need to add it as an optional extra.
This extends your policy to include things like ski equipment, piste closure, and unused ski passes or lessons.
You can make changes to your policy, online and in your own time with My Staysure.
It's quick and easy to make changes to your policy online. If you need to make simple changes such as updating traveller details or renewing a policy that's details are staying the same, just visit your My Staysure account.
Proud to be a part of BIBA's medical directory
For people who have trouble finding travel insurance for pre-existing medical conditions, the British Insurance Brokers' Association (BIBA) has a directory of specialist insurers, like us!
To find out more, or if on the odd occasion we are unable to provide the cover you need, contact BIBA on 0370 950 1790. You can also search BIBA's medical directory online.
Up to £15,000 cancellation cover per personOn Signature policies only
