Are you heading off on a family trip? Family holidays often become our most beautiful memories, memories that both kids and parents cherish for a lifetime.
Some family trips involve heading off to an exotic location to rest and relax at the beach, while others involve exposing the kids to new cultures and lifestyles, to broaden their horizons and spark their curiosity about the world.
Whatever your intentions for taking your family abroad, your first priority is always the safety of your loved ones. This brings me to the topic of today’s post: helping you find the best travel insurance for families in April 2026.
This type of insurance is designed to meet the needs of families while travelling, but it’s also important to find a policy that meets your family’s specific needs. Luckily, we’re here to help!
The best long-term travel insurance for families
If you’re planning a family trip of over 3 months, taking out adequate long stay travel insurance becomes even more crucial, as you never know what may happen on such a long trip.
Family travel can be stressful. But there’s a way to alleviate this stress! Here’s a comprehensive policy that will give you peace of mind while abroad:
In the comparative table below, you’ll find the coverage offered by the top insurers for this type of trip. Before settling on a policy, consider the risks involved with the destination you’re travelling to and the needs of your family.
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⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️⭐️ | ⭐️⭐️ | |
IATI Insurance | Long Stay Premium | Cap Adventure | Nomad | Traveller | |
Price for 3 months | 338€ | 210€ | 174€ | 126€ | 300€ |
Discount valid until 02/05/2026 | – 5% | – 5% | – 10% for families | – 10% on Yearly plan | – 10% for families |
Get Your Discount | Get Your Discount | Get Your Discount | Get Your Discount | Get Your Discount | |
Legal assistance | 3.000€ | 12.000€ | 13.000€ | ❌ | 3.000€ |
Covid-19 | ✅ | ✅ | ✅ | ✅ | ✅ |
Medical expenses | 1.000.000€ | 500.000 € | 200.000€ | 222.600€ | 150.000€ |
Hospitalization | Actual costs | 500.000€ | 200.000€ | 250.000€ | Actual costs |
Theft or loss of luggage | 2.500€ | Optional | 2.000€ | 2.670€ | 2.000€ |
Repatriation | Actual costs | Actual costs | Actual costs | 17.800€ | Actual costs |
Sports activities | ✅ | Optional | ✅ | ❌ | ✅ |
Phone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Camera or drone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Recommended for | All types of stays | All types of stays | All types of stays | Digital nomad | All types of stays |
Reviews | IATI travel insurance | HeyMondo insurance | Chapka insurance | SafetyWing insurance | ACS insurance |
Discounts | Promo Code IATI | Promo Code HeyMondo | Promo Code Chapka |
Comparing the best family travel insurance policies
The most effective way to find the right travel insurance policy for your family is to compare the benefits and prices of the top insurance providers.
Continue reading to learn more about what your family policy should cover, and our best money-saving travel hacks!
The best short-term travel insurance for families
In this section, we’re looking at the best available policies offering family holiday travel insurance for trips under 3 months in April 2026.
I’ve also created a comparative table below, you can find the most essential benefits in the left-hand column, and then see the level of coverage offered by each insurer.
Remember to think carefully about any specific requirements that you and your family may have.
🏆 | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️ | ⭐️⭐️⭐️ |
|---|---|---|---|---|---|
Short Stay Insurance | | | |  |  |
Price 7 days | 25€ | 24€ | 24€ | $83 | £47 |
🎉 For all | – 5% | – 5% | – 5% | ❌ | ❌ |
Offer valid until 02/05/2026 | Get Your Discount Now | Get Your Discount Now | Get Your Discount Now | Get a Free Quote | Get a Free Quote |
👨👩👧👦 For a family | – 15% | – 15% | – 15% | ❌ | ❌ |
details | details | details | details | details | |
Medical expenses | Unlimited | Unlimited | 5.000.000€ | $50,000 | £20,000,000 |
Accident compensation | 20.000€ | 60.000€ | 80.000€ | $25,000 | £20,000 |
Loss or delay of baggage | 3.000€ | 3.000€ | 2.500€ | $200 | £3,000 |
Liability | 2.000.000€ | 60.000€ | 60.000€ | ❌ | £2,000,000 |
Adventure Sports | ✅ | ✅ | ✅ | ❌ | ✅ |
Repatriation | ✅ | ✅ | ✅ | ✅ | ✅ |
Early return | ✅ | ✅ | ✅ | ✅ | ✅ |
🕵🏽♀️ Reviews | Heymondo insurance | Chapka insurance | IATI travel insurance | Travelex Insurance | Oasis Insurance |
💰 Discounts | Promo Code Heymondo | Promo Code Chapka | Promo Code IATI |
The best travel insurance for digital nomad families
If you’re planning on spending several months or even years abroad with your family living the digital nomad lifestyle, it’s important to have broad coverage worldwide, as you never know where your adventures will take you.
This next policy has all that and more, allowing you to make the most of such a unique and exciting family experience.
Here’s a comparative table of all the best digital nomad travel insurance providers. Take a look!
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|---|---|---|---|---|
⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️ | |
IATI Insurance | Cap Adventure | Long Stay Premium | Nomad | |
Price for 3 months | 338€ | 174€ | 210€ | 126€ |
Discount valid until 02/05/2026 | – 5% | – 10% for families | – 5% for all
-15% for families | – 10% on Yearly plan |
Get Your Discount Now | Get Your Discount Now | Get Your Discount Now | Get Your Discount Now | |
Legal assistance | 3.000€ | 13.000€ | 12.000€ | ❌ |
Covid-19 | ✅ | ✅ | ✅ | ✅ |
Medical expenses | 200.000€ | 1.000.000€ | 500.000 € | 222.600€ |
Hospitalization | Actual costs | 200.000€ | 500.000€ | 250.000€ |
Theft or loss of luggage | Optional | 2.000€ | 2.500€ | 2.670€ |
Repatriation | Actual costs | Actual costs | Actual costs | 17.800€ |
Sports activities | ✅ | ✅ | Optional | ❌ |
Recommended for | All types of stays | All types of stays | All types of stays | Digital nomad |
Review | IATI travel insurance | Chapka insurance | HeyMondo insurance | SafetyWing insurance |
Discount > | Promo Code IATI | Promo Code Chapka | Promo Code HeyMondo |
The best annual family travel insurance
Annual travel insurance plans are somewhat revolutionary within the world of insurance.
This is especially true for those travelling with families, as parents can insure everyone in the family under one plan. How convenient!
In our final comparative table, you can see how different insurers’ annual plans compare with one another, so you can get the best fit for you and your family!
🏆 | ⭐️⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️⭐️ | ⭐️⭐️ | ⭐️⭐️ |
|---|---|---|---|---|---|
Multitrip 1 Year | | | | | |
Price 1 year | 169€ | 751€ | 198€ | 504€ | 600€ |
details | details | details | details | details | |
Offer valid until 02/05/2026 | – 5% | – 5% | ❌ | – 10% on Yearly plan | – 10% for families |
Get Your Discount Now | Get Your Discount Now | Get a Free Quote | Get Your Discount Now | Get Your Discount Now | |
Medical expenses | 3.500.000 € | 500.000€ | 300.000€ | 222.600€ | 150.000€ |
Covid-19 | ✅ | ✅ | ✅ | ✅ | ✅ |
Hospitalization | Actual costs | Actual costs | 300.000€ | 300.000€ | Actual costs |
Theft or loss of luggage | 1.700€ | 1.500€ | 2.000€ | 2.670€ | 1.150€ |
Repatriation | Actual costs | Actual costs | Actual costs | 17.800€ | Actual costs |
Sports activities | Optional | Covered | Covered | Covered | Covered |
Phone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Camera or drone theft | ❌ | ❌ | ❌ | ✅ | ❌ |
Recommended for | All types of stays | All types of stays | All types of stays | Digital nomad | All types of stays |
Review | Heymondo insurance | IATI travel insurance | Chapka insurance | SafetyWing insurance | ACS insurance |
Discount | Promo Code Heymondo | Promo Code IATI | Promo Code Chapka |
Cheap family travel in 2026
After plenty of research and first-hand experience travelling with my family, I’ve found some money-saving tricks that I’d like to share with you. They’ll help you save money on your travels, so you can focus on the things you love about travel!
These little travel hacks may take a little time and effort, but it’s worth it when you can reduce the total cost of your trip. Naturally, embarking on a family trip is an expensive endeavour, so try to save where you can.
There are countless ways to make your travels cheaper.
Choosing cheap travel insurance a that is tailored to your needs is important, but remember that there are many more factors that will help you save money, including flights, accommodation, the card you use, and how you book your activities.
- ✈️ Fly at reduced prices!
Flights for a whole family are pricey, whether international or domestic, so here’s a little travel hack to help you save.
You know, flights don’t cost the same from all countries! To pay for my cheapest flights, I use NordVPN.
Basically, it’s a private network that allows you to access Internet sites from locations other than your own, and this can have some serious benefits:
In April 2026, enjoy a 59% discount on NordVPN.
Click here: Activate Discount
Flights from Barcelona to Buenos Aires don’t cost the same if you buy them from Spain as from India, for example. So, once you’ve installed NordVPN, simply access websites like Skyscanner and compare prices by entering as if you were browsing from different countries.
The 8 countries from which it is cheapest to buy flights are: Malaysia, Bulgaria, India, Turkey, Romania, Indonesia, Portugal, and Thailand. Once you have NordVPN, head over to Skyscanner and start paying reduced prices for flights all over the world!
🏡 Stay at a discount all year round
Accommodation is another costly expense, follow this trick to save a little extra.
Access Booking.com now and get discounts of up to 15% in April 2026 by becoming a Genius user.
There are also ways to save money when booking your accommodation with Booking. The first of which is becoming a Genius user, something you get from making 2 bookings (Genius level 1), and 5 bookings (Genius level 2).
As a Genius user in Booking.com, you can enjoy:
- Discounts on room rates.
- Free breakfast.
- Upgrades to superior room categories.
- Free parking.
- Late check-out.
- Welcome gifts.
In addition, there are hotels in Booking.com that directly offer you a 10 to 15% discount on your rate for being a Genius user.
Access to get discounts of up to 15% by becoming a Genius user.
Finally, Booking.com has a Minimum Price Guarantee program, so if you find a cheaper price for your hotel on any other website, they’ll match it!
💳 Get the best travel card
This next trick will help you avoid paying exorbitant transaction fees.
If you travel frequently, the Revolut Metal Card is another great way to save money. For starters, they offer you unlimited currency exchanges without paying any fees!
This Card allows you to make unlimited domestic transfers free of charge, and withdraw up to £800 a month from international ATMs.
If you spent £650 abroad in a month using a standard card, and withdrew £350 at ATMs, you would have paid around £44 in fees.
With the Revolut Metal card, you would have paid £0 in fees.
🤿 Reserve your entertainment and sightseeing in advance
You can even book your leisure activities in advance and receive discounts.
GetYourGuide is an indispensable tool for organising any trip to any destination. It’s a platform that helps you book tourism and leisure activities for your trip.
With GetYourGuide, you can book your activities online to avoid queues, and take advantage of a discount for online bookings. This way, you save time and money, so you can enjoy more activities during your trip!
Discounts on travel insurance
The best way to save money on your trip is to find a policy at a discount. We’re here to help you, as you can take advantage of the following exclusive discounts on travel insurance:
Promo code applies an automatic and immediate discount.
- After clicking on the offer, you will be redirected to the insurer website
- Fill in the details of your next trip
- Then click on “Get a quote”.
- The promo code will be applied automatically.
How does family travel insurance work?
As the name suggests, it refers to the policies and benefits offered by an insurer whose objective is to cover all members of the family unit in the event of any incident that may occur during a trip.
This type of insurance is designed to cover things that are more likely to go wrong on a trip with children, for example, such as children’s liability, pharmaceutical expenses, and repatriation.
For a family trip to become an unforgettable experience, it’s essential to leave home with the total certainty that, if something happens, you’ll have the best help immediately.
That is why, whenever I am asked by family or friends with children about whether or not they should take out travel insurance, I always answer the same thing: if you want to make the most of every second away from home, don’t think twice about it.
When should I take out family travel insurance?
Most, if not all, insurance companies these days allow a degree of flexibility when it comes to when you can contract and renew your policy.
With Chapka and IATI, for example, you may even be able to take out your policy once your trip has begun, which can be a great option for those travellers who don’t have an exact itinerary.
However, as a general rule, I suggest that when travelling as a family, it’s always best to contract your insurance before your first travel date, to ensure that your loved ones will be covered while abroad.
What should my family travel insurance policy cover?
When travelling as a family, it is absolutely crucial that you select a policy with the right coverage. This is because insurance companies do not typically offer ‘family’ plans.
If you’re looking for a travel insurance plan for your next family trip, make sure you look out for the following benefits!
1. 🚑 Extensive medical coverage
Few things give you more peace of mind than knowing that, with medical coverage for your family, you’ll have access to top-quality medical care abroad, if someone is involved in an accident, or falls ill.
This is essential, especially if you’re travelling to countries like the United States, where a silly fall resulting in an ankle sprain can quickly turn into a bill of more than 1,000 USD. If you are travelling to North America, I recommend you read these articles:
2. 🩺 Pharmaceutical expenses
The complete health insurance for families, such as the policy from Hey Mondo, covers both the pharmaceutical expenses derived from medical care at the destination, and the delivery of specific medicines for family members who need them.
If you run out of, or lose a prescription medicine in a country like the US, Australia, Japan or Canada, and you are forced to go to the doctor to get it, you may end up paying exorbitant amounts. With good insurance, however, you’ll be covered.
3. ✈️ Repatriation costs
Although you are unlikely to need this guarantee, it’s worth knowing that, if the parents pass away, insurance will pay for a family member to travel to the children and accompany them during their repatriation.
4. 📞 24/7 paediatric assistance
Some insurances, such as Chapka’s, include a 24-hour paediatric helpline where you can call for a medical consultation which, in many cases, will save you from having to go to hospital abroad.
This is one of the critical services of health insurance for families benefits. To avoid having to make a call while abroad, it’s a good idea to familiarise yourself with the NHS website, where you’ll find all the information you need about paediatrics and vaccines.
5. 🧳 Compensation for theft, loss, or damage to luggage
Losing your luggage is never pleasant, losing your suitcase with nappies, baby food, toys, or your children’s medicine can turn your trip into a real nightmare.
If you have a good family insurance policy, the insurance provider will help you in the event of theft, loss or damage to any luggage you travel with.
6. 🏛 Liability cover
Liability cover is undoubtedly one of the most important benefits, as it has the highest cost due to the legal consequences of carelessness resulting in traffic accidents, domestic accidents, or fires.
The best insurance policies that cater to families’ needs, such as Chapka’s, includes a child liability cover that covers up to 70,000€ for all expenses that may be unintentionally caused by minors.
7. ⚠️ Cancellation costs
Travel cancellation cover is also crucial, as this will cover all family expenses for flights, hotels, excursions, childcare and other services contracted before departure.
If you’re planning to take out insurance for a family adventure, remember that companies such as Hey Mondo and Chapka have a children’s cover which, if the children become ill, will cover all the costs of cancelling the trip.
Finally, COVID-19 travel insurance is highly recommended to avoid a bad surprise.
How to take out family travel insurance
Taking out travel insurance for your next family trip is really no different to contracting any other type of insurance policy.
Here is a step-by-step guide on how to do it:
- Go to the website of the insurer of your choice and click on the insurance option that you want to contract.
- Once you have selected the insurance, you will see a “Contract” button, or something similar. Click to start the contracting process.
- Once there, you will need to fill in your trip details. This is the section where you will need to choose a “family” option, or select the number of family members travelling.
- Fill in the details of each traveller and add a supplement if necessary. This is usually the cancellation or adventure sports option.
Read the insurance conditions carefully, and that’s it. You now have your travel insurance, and you’re ready to start your adventure!
How much is family travel insurance?
The cost of your family travel insurance policy will depend on the number of travellers in your family unit and your destination, and of course, whether you find a good discount!
To give you an idea of how much you can expect it to cost, I’ve calculated some average prices for various types of family trips.
The example prices I’ve set out here are for a family of four, consisting of 2 adults and 2 children. I’ve incorporated the special discounts featured in this post as well.
4-person European travel insurance family (14 days)
- 150€, 37.50€ per person
4-person family travel insurance worldwide (14 days)
- 194€, 48.50€ per person
4-person long-term family travel insurance worldwide (90 days)
- 495.25€, 123.80€ per person
Is family travel insurance worth it?
The answer is an astounding yes. When travelling abroad with your family, your number one priority is safety, especially for the little ones.
Insuring your whole family under one policy is also incredibly convenient, and will allow you to travel with a sense of relaxation and peace of mind.
As we’ve highlighted throughout this post, there are also plenty of great discounts you can take advantage of if you travel as a family in April 2026, so don’t miss out!
If there is one thing I have been able to learn from more than five years of travelling with my family around the world, it is that it costs very, very little to take precautions with good travel insurance. With that, I wish you an amazing trip! ✈️ 🌎
