Travel Insurance for Family Holidays by rufiahs


									                     Travel Insurance for Family Holidays

The economy may be tough and holiday budgets stretched more than ever before but
families still need, and will take, their holidays. Getting away as a family is very
important for maintaining the family bond. However, the organisation of a family holiday
can be daunting. There is so much to do and think about before you leave home - and
family holiday insurance is just one of them.

A checklist is vital so that you don't forget anything important. Holiday checklist
examples are available online and you can tailor them to suit your family's needs. Keep a
copy on your home computer, if possible, so that you can edit it as the family's needs
change. Print out copies for all family members and ask them to add anything they think
is important to them. (Be prepared for suggestions to include a tattered teddy bear or
computer game; better to have all this on board - and contented kids - rather than deal
with the alternative... )

One aspect of a family holiday that is easy to solve and tick off that 'to do' list is family
travel insurance. It is best to take care of this as soon as you book your holiday so that
coverage begins immediately, in case of any unexpected events that may cause
cancellation of your trip.

Families can save money on family holiday insurance because kids are very often
included free of charge. Let's face it, you don't get much for free these days - and there is
no trick involved. This is something offered free that is actually worth having!
(Remember to check the policy terms and conditions).

If you think you might take two of more holidays in a year it is wise to save money by
choosing an Annual Multi-trip policy for your family holiday. This is a no-brainer if you
consider how much it would cost for multiple trips or holidays if you were to take out a
single-trip policy for each family member each time you travel.

Before purchasing holiday insurance always check carefully to ensure that it provides
adequate cover for the needs of your family, as well as all your planned activities.
Medical cover is the most important concern for most families. No one wants to think
about possible accidents, sickness, or health emergencies when going on holiday.
However, imagine how you would feel if the worst should happen and you are faced with
an astronomical hospital bill. Remember to check that your insurance policy includes air
ambulance and medical repatriation to your homeland - as this can be extremely

Wouldn't it be nice to know you have an emergency number to call 24/7 when you are far
away from home, perhaps in a country where you do not speak the language? A friendly
voice at the end of the phone would be welcome to help with medical emergencies, and
other problems such as replacing stolen or lost travel documents or credit cards, tracing
lost luggage, or handling arrangements in the event of a delay in your travel schedule.
Do you like to gamble? Because travelling without insurance is taking a real risk. Travel
insurance is just as important for solo travellers as for families. When the kids are grown
and it is time for them to venture out into the world without you, it's no use trying to stop
them. (You may have been responsible for infecting them with the travel bug in the first
place). The best you can do is make sure they have insurance - or purchase travel
insurance for them as a farewell gift and send them on their way. Insurance not only
provides needed protection for them, but also gives a worried parent or parents some
peace of mind while the kids are out of sight. Tip: a Backpacker policy is great value and
a cheap option for young travellers who don't have a lot of luggage. There's no point in
paying for cover that you don't need.

The kids will be grown up and gone before you know it and family holidays are precious
times to be cherished. One day you will look back through family holiday photo albums
and 'ooh and aah' at the cute snapshots of the kids. Don't risk spoiling those holiday
memories because you thought travel insurance was an unnecessary expense!

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