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10-Tips-for-Choosing-the-Best-Family-Travel-Insurance

10 Tips for Choosing the Best Family Travel Insurance

Given that we live in Ireland, it is fair to say that the majority of us like to escape the weather and get a bit of guaranteed heat into our bones every year.

While admittedly travel insurance is an additional cost, family travel insurance need not be hugely expensive and for the guaranteed peace of mind you have while away from home, it’s probably worth it. A quick google search for ‘family travel insurance’ throws up pages and pages of offers and companies, so how do you know what’s right for you and your family? Most travel insurance policies will cover the following as standard:

  • Cancellation
  • Emergency medical expenses
  • Hospital benefit
  • Personal accident
  • Baggage
  • Personal money
  • Missed departure
  • Delayed departure
  • Third party supplier insolvency
  • Overseas legal expenses

But as with everything, always read the terms and conditions carefully. The principal benefits you should be comparing are:

  • Lost baggage
  • Medical expenses
  • Excess levels
  • Holiday cancellation cover

Consider the following tips… most of them are common sense, but no harm in a quick reminder!

  1. Many insurers will not offer cover once you have left Ireland, so better to take the insurance out well in advance.
  2. How often will you travel in any given year? If it’s one or twice look at single trip insurance. If you travel more frequently, start with multi-trip insurance.
  3. If you have home/credit card and/or health insurance make sure you don’t double up on cover – for example household possessions maybe covered outside the home, so check with the insurance provider and better still, ask for a discount.
  4. Don’t forget about the EHIC (or E111 as it was called in my day) entitles you to access public health care while in the EU and Switzerland…. But read the fine print as not everything is covered, including repatriation costs etc.
  5. Check the excess. That is the amount that you, the policyholder, has to pay towards any claim. If you set the excess high, the policy will be cheaper, but may not be worth having.
  6. Consider bringing cheap throw-aways rather than valuable laptops / iPad / pushchairs / smart phones... after paying the excess you’ve practically paid for the replacement yourself already, if it’s even covered by the policy.
  7. It’s usually more cost effective to buy direct on-line, as opposed to through tour operators / travel agents or airlines etc.
  8. You can always add additional benefits to a standard policy to include things like winter sports etc.
  9. And to state the obvious – KEEP EVERYTHING, receipts / police reports / airline PIR reports.
  10. CompareTravelInsuranceIreland.com is a great website which reviews and compares different companies and current policies available.

It does generally takes a bit of research, but it will be worth your while and give you peace of mind while enjoying your holiday abroad. Read more about The Stork Exchange, our Travel Expert.


About the Author

I’m Olivia Mai, founder of The Stork Exchange and Mum to two small children. My third baby is the one I leave at home when I go on holidays, it’s called The Stork Exchange and it’s my little business. It is a children's equipment hire service that offers everything from child car seats, prams, buggies, cots and highchairs, to monitors, booster seats, buggy boards and pram bags. I started The Stork Exchange with my husband four years ago after a bad experience on holidays abroad with my kids. Fast forward four years and we now have two shops, one at Dublin Airport and one in Shannon. We work closely with a number of airlines and car rental companies and have spent three years developing our product range. That’s a lot of products to trail -- safety, durability and ease of use are top priorities. I constantly get asked questions by parents about travelling with kids -- what equipment to bring, what not to bring, what’s allowed by airlines, what’s not. Being at the airport day in day out means I am pretty close to it all and as a result have built up loads of knowledge, tips and nuggets of practical and useful info about the do’s and don’t of travelling with children. I also learn from the experience of other Mums and Dads. It’s great to be able to share this advice to help make the journey and holiday a bit smoother and easier for other parents. Want to get in touch? Email me at olivia@thestorkexchange.ie or call 087 255 8702 Check out my website and social channels at the icons above.

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