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.

When considering one of these packages, take a look at what providers term as family, as their definitions can differ from company to company. The biggest differences tend to be in the number of children, or the age of children that can be insured.

Your family need not travel together all the time either. Anyone who is signed up tot the family or group policy can enjoy insurance cover wherever they travel to, whether they do so with the family in tow or not.

One reason for this type of cover being cheaper is that most of these insurance policies do not charge to insure children. There is typically no charge for little ones under age 2. However, you will also find companies who do not charge any child who is travelling with an adult who is signed up to the policy.

Insurers are also aware that many people will not be looking to sign up two adults to their policy as parents. In fact, most insurers will provide a single parent discount so that single parent families can enjoy the same insurance deals offered by a family policy.

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.

One further restriction applies to those over the age of 65. Parents and grandparents of this age or above cannot usually be named on a family or group policy as they are deemed higher risk policy holders. It will probably work out to cheaper for this person to apply for their own specialist insurance policy.

Within the group and family insurance range, those looking for group insurance have the several options to pick from, including annual policies providing insurance cover for travel over a one-year period, or one-trip insurance which will cover a single foreign holiday only.

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