What Counts
as a ‘Family’ Policy?
“Family” doesn’t always mean two parents and two kids, and your policy shouldn’t
expect it to. Gigasure’s Family Cover is designed for today’s families. You can insure
you and any of your family who live together at the same address.
At Gigasure, family means you, your partner, and the children, stepchildren, adopted children or foster children,
parents, parents-in-law, step-parents or legal guardian, grandparent, grandchild or step-grandchild, sibling,
half-sibling or step-sibling, Fiancée, aunt, uncle, cousin, nephew or niece, of either of you.
We provide cover for children who are insured persons if they are:
a. Travelling with an insured person who is 18 or over; or
b. Travelling with the permission of their parent or legal guardian:
- On an organised school or college trip, an educational,
vocational study or cultural exchange trip, or to
undertake conservation or charity work on a voluntary
basis that is covered under Standard Sports and
Activities; or - With a responsible adult on a leisure trip.
One Policy vs Separate Policies
A family policy is usually more affordable and much more convenient
than insuring everyone separately.
Why families choose one policy:
- Kids go free with some plans
- One point of contact for claims and emergencies
- Shared excess = fewer fees if you claim
- Manage everything in one place via the Gigasure app
When separate might work better:
- Separate policies might work better if one or more members require cover for high-risk activities
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How Much Does Family Cover Cost?
The cost of annual family travel insurance varies depending on your destination, trip length,
and travellers’ ages. Here’s a rough guide. This is a rough price for policies without any
medical conditions disclosed and includes standard policy benefits.
| Destination | Typical Annual Cost (2 adults + 2 kids) |
|---|---|
| UK-only | £28–£50 |
| Europe | £60–£131 |
| Worldwide (excl. USA) | £130–£280 |
| Worldwide (incl. USA) | £198–£430 |
Tip: A single trip policy may be cheaper for a one-off holiday, but annual policies usually pay off
from the second trip onward.
What Affects Your Premium?
Your quote is based on a few key factors:
- Destination (USA, for example, = higher premiums)
- Trip duration if opting for a single trip policy
- Ages of all travellers
- Number of people covered
- Pre-existing medical conditions
- Activities you plan to do (but note that not all activities will be covered in your policy)
- Excess level you choose (higher excess = lower premium)
- The level of cover you require – Core, Pro and Max plans that have different levels of core from the lowest to the highest we offer
What’s Included and
What’s Not
Covered as Standard
Emergency medical care & repatriation
Trip cancellation or curtailment
Baggage and personal belongings
Travel delay and missed departure
Personal liability and legal cover
Not Covered
(unless extra is added)
Claims related to the reason why the FCDO have advised against or all but essential travel.
Claims related to circumstances known to you at the
time of buying your policy or booking your trip,
whichever is later
Adventure Sports and Activities (without add-on)
Undeclared medical conditions or being unfit to travel or travelling against medical advice
Substance, drug, alcohol abuse or drinking too much alcohol
Losses below policy excess
Check your policy wording to confirm exactly what’s included, so you know well in advance of your trip
what you are covered for and can make any changes if needed.
GHIC/EHIC: Why They're Not Enough
The GHIC (or the old EHIC) lets you access state healthcare in Europe
but that doesn’t mean it’s a replacement for insurance.
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Here’s why:
No repatriation cover (getting you back to your home
base)Does not cover trip cancellations, baggage, or delays
Each family member needs their own GHIC card. Visit the
official NHS GHIC page for more information on the GHIC.
When Should You Buy?
It can be a good idea to buy as soon as you book because
unfortunately, cancellations can happen before you even pack.
Early cover protects:
- Flights
- Prepaid accommodation
- Excursions and activities
- Non-refundable deposits
Single-Trip vs Annual Multi-Trip
| Factor | Single-Trip | Annual Multi-Trip |
|---|---|---|
| Trips per year | One | Unlimited (max 31 days each, depending on age and cover level) |
| Cost | Lower upfront | Better value after 2+ trips |
| Travel as a group? | Always together | Adults can travel separately (please check your policy) |
| Admin | One-off | No need to buy each time |
| Single-Trip |
|---|
Trips per year: One |
Cost: Lower upfront |
Travel as a group? Always together |
Admin One-off |
| Annual Multi-Trip |
|---|
Trips per year: Unlimited (max 31 days each, depending on age and cover level) |
Cost: Better value after 2+ trips |
Travel as a group? Adults can travel separately (please check your policy) |
Admin No need to buy each time |
Add-Ons & Upgrades
At Gigasure, we know every trip is different and with that comes unique needs. We are proud to offer unique customisation that makes your policy as relevant to your trip as possible. You can customise your Gigasure family plan with extras like:
- Winter sports cover (skiing, snowboarding)
- Adventure Sports and Activities
- Extended travel disruptions
- Golf cover
- Business Travel
- Cruise protection
- Gadget cover (phones, tablets, laptops)
- Additional product available for families - Car Hire Excess Insurance, great for family road trips
Use the Gigasure app to Boost your policy
anytime during your trip.
Pre-Existing Medical Conditions
We understand that, in the same way that families aren’t one-size-fits-all, neither are their health needs.
- Declare all pre-existing conditions when getting your quote
- One person’s medical history can affect the price for the whole policy: transparency helps avoid rejected claims
- Gigasure covers a wide range of conditions; you’ll be told upfront if something needs specialist review
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Multi-Generational & Separated Families
At Gigasure, we know every trip is different and with that comes unique needs. We are proud to
offer unique customisation that makes your policy as relevant to your trip as possible. You can
customise your Gigasure family plan with extras like:
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We make it easy to insure:
- Grandparents joining the fun (check age limits and medical screening) as long as all insured persons live at the same address
- Separated parents insuring children on different trips as long as they live at the same address
Just make sure each child is covered for their
specific journey.
Gigasure App, the Fastest Way to Make a Claim
The Gigasure app takes the hassle out of submitting claims. Simply log in, select the relevant policy, and kickstart the process. The app pre-populates most of the required information available on your account, eliminating the need to search through old emails or documents. From there, just follow the remaining steps, and you can submit your claim in moments. It's a seamless, streamlined experience that gets your claim submitted quickly, saving you valuable time and frustration.
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