TL;DR
Family travel insurance covers 2 adults and up to 8 children under one policy—usually for the same price as 2 adults. In 2026, Insure&Go, Tick, Cover-More, and 1Cover all offer family policies where children are covered at no extra cost. A family of 4 traveling to Bali for 2 weeks pays ~$80–$120 for comprehensive single-trip cover—less than buying 4 individual policies at $30–$50 each.
How Family Policies Work
Family travel insurance typically covers: 2 adults (usually parents or guardians) + dependent children (under 18 or 21, living at home, traveling together). Some policies cover grandparents traveling with grandchildren. The premium is based on the adults’ ages and the trip details—children are added at no extra charge.
Top Family Travel Insurance Compared
| Provider | Kids Covered | Max Children | Medical Cover | Cancellation | COVID-19 | Best For |
|---|---|---|---|---|---|---|
| Insure&Go | Free | Up to 8 | Unlimited | Unlimited | ✅ | Large families |
| Tick | Free | Unlimited | Unlimited | $5,000 | ✅ | Budget family travel |
| Cover-More | Free | Up to 8 | Unlimited | Unlimited | ✅ | Premium family cover |
| 1Cover | Free | Up to 10 | Unlimited | $25,000 | ✅ | Mid-range value |
Final Verdict
Insure&Go offers the best family travel insurance with unlimited medical and cancellation cover, COVID-19 included, and coverage for up to 8 children free.
Get a family quote from Insure&Go →
Disclosure: Affiliate links. Pricing as of May 2026.
🎯 Editor’s picks
Affiliate links — buying through them earns us a small commission.
- Airalo Global eSIM: 200+ country eSIM, no physical card swap. → Compare plans{:rel=“sponsored nofollow”}
- SafetyWing Nomad Insurance: Month-to-month, no medical exam. → See pricing{:rel=“sponsored nofollow”}