General Description
Family Travel Insurance benefits include medical expenses, personal liability, personal accident, cancellation, baggage cover, legal costs and emergency repatriation. You will have access to a 24 hour worldwide emergency helpline, 365 days a year.

Buying a family holiday insurance policy is excellent value for money, as it is so important to have all your family covered against possible costs of any emergency. With some companies the children go free.

If your family goes abroad twice or more a year, then it may be advisable to take out an Annual Travel Insurance policy, as this can often work out cheaper than buying insurance for each separate trip. You can travel as often as you want, up to the single trip limit (e.g. 30 days maximum each trip).

Types of Activities
You will find that many amateur activities are covered as standard, but if you are planning any adventurous activities, then cover is available for most activities you can think of, sometimes at an extra cost. More hazardous activities may be better covered by an Activity Travel Insurance policy.

Problems of Not Insuring
It is particularly important to ensure you have a good family travel insurance covering all possible emergencies, especially for medical treatment, which can reach hundreds of thousands of pounds, particularly in the USA. If one of your family falls ill or has an accident, you do not need the added worry of how you are going to pay the medical bills. Too many people have had to sell everything, even their homes, in order to fund the treatment and, maybe, repatriation. All they had to do was to go to a company like PHA before they travelled, then they wouldn’t have been in such dire circumstances.