10 Reasons You Need Cheap Family Travel Insurance

If you’re considering a family holiday, you might be tempted to give travel insurance a miss, as you think you’ll never need it, and it’s just a waste of money. Travel insurance doesn’t have to be expensive, and often you’ll be able to find cheap family travel insurance if you look around.

However, like most insurance, you hope that you never need to use it, but if you do, you’ll want to make sure that you’re fully covered.

Here’s why you need family travel insurance:

1. Healthcare in many countries isn’t free. In the UK we’re lucky that healthcare treatment is free, and we don’t think about the actual cost of travelling to hospital, or an operation, or even just to see a doctor.

2. Even though in some countries, certain parts of healthcare treatment are free, others aren’t. The treatment might be, but other aspects such has the trip to hospital in an ambulance aren’t

3. Your travel insurance should cover you for the most common medical issues that are likely to happen, such as experiencing a serious injury or illness.

4. With holiday insurance, you’re also offered protection against things like your luggage being lost or delayed

5. As travellers have more and more electronic devices with them, such as mobile phones, cameras, camcorders, games consoles, and mp3 players, it more likely that they can be damaged, stolen, or lost. It only takes a freak wave whilst on the beach to render your camera, phone and MP3 player useless. What about if you dropped your camcorder whilst filming? Maybe you’re anxious about pick-pockets in big cities?

6. You might need to insure against sickness which prevents you form going on holiday. Your travel company may not refund you, but your insurance company might.

7. Holiday cancellations are not hat uncommon. Perhaps there are not enough people booked to go on the holiday you have chosen, and you don’t want to go to a different destination. Maybe the travel company has overbooked, leaving you without a holiday. Having travel insurance can help in situations like these.

8. You might go on several holidays a year as a family, or have lots of weekends away. You can purchase family travel insurance that will cover your for a full year, which means you don’t need to buy insurance each time you go abroad.

9. Many people are skiing and winter sports enthusiasts, or enjoy other dangerous pursuits whilst on holiday. These types of traveller are more at risk of injury than someone who lazes on a beach for a fortnight. If you enjoy active holidays, you’ll need to make sure that your travel insurance adequately covers you.

10. We’ve all hear the horror stories about cancelled or delayed flights, which mean that passengers have to cut short their holiday, or are stranded in an airport somewhere with nowhere to stay. With the right sort of travel insurance you can be covered against flight cancellations and delays.

The Benefits of Family Travel Insurance

Many families go on vacation together each year. This is actually one of the best things a family can do together. Going on a family vacation means that you can see the world, visit exciting attractions, relax on the beach, and spend quality time together. That is what wonderful family memories are made of, and as airfares fall in price each year, it is becoming much more affordable for families to travel together and enjoy unforgettable family vacations.

There is no shortage of family vacation deals. Just visit a few travel websites or a few travel agencies and you will discover that there are deals all over the place when it comes to family vacations. Also, there are so many interesting and educational places that you can take your family, and there are many options for paying for it all as well. Fact is, no matter how great family vacations get, the reality is that they can get expensive.

Budgeting and planning is crucial. You may find that once you have added up the costs of transport, dining, lodging, souvenirs, and admission fees, you end up with a pretty big number. With so many important things to budget for during your vacation, you may be tempted to skimp on travel insurance to save a little money which you can use for “more important” things. After all, it is not something that you ever plan on using.

Just Because You Don’t Plan on Needing It

You may not plan on needing travel insurance, but that does not mean that you can forget about it. Travel insurance is something that is very important – if something goes wrong, you will be glad that you have it.

Imagine if you miss your return flight – you have just spent most of your holiday budget having fun, and now you are stranded in a foreign country, with hardly any money left. How will you get home? If you are incredibly rich, or have a large reserve of funds hidden away in the bank to cover this, or other disasters such as medical fees, then there is no need to worry. But for the rest of us, travel insurance is very important to have.

Selecting a Policy

There are several family travel insurance policies to choose from. You can buy family travel insurance that you have all of the time, which you will pay for on a yearly basis. This is a great idea for families that travel a lot, because it will cover everything from airline ticket replacements to lost and stolen property, and it will cover you no matter where you are traveling.

Travel insurance on an annual basis is very useful if you take several trips each year, but for families that do not travel very often, a cheaper policy which only covers one trip can be a better option. The important thing is to make sure that when you go on vacation you are covered, and that the policy suits the type of vacation. Hopefully you will not need to use the policy, but the peace of mind you gain by having one is well worth the small cost.

How I Cut the Cost of My Family Travel in Half!

How I Save Big Money on Plane Tickets for the Family

Tho cost of flights for a family can be extremely expensive. I have found some great ways to save a lot of money when booking plane tickets. I start my research early for flight prices. I play around with the dates in the online booking tools to try to see how low the flight prices can go. I sign up for the airline’s email distribution list so that I know when the airlines are having a seat sale.

I look at the total price of the flights including tax when comparing costs. Most airlines offer a 25% discount off the base ticket price for children. Due to the fact that the taxes and surcharges may vary depending on the airline and flight path, I might get a better deal on a higher priced ticket that has lower taxes when I factor in the child discount.

Travelzoo is an excellent source for finding the best travel deals. Every week they email me a list of discounted flights, hotels and tours. I have gotten excellent information on cheap flights from Travelzoo such as tickets from Toronto to Lima, Peru for less than $400 including taxes. Travelzoo has different versions depending on where you reside.

I check out the cost of flying out of nearby cities. I live in Ottawa but its a four hour drive to Toronto. The cost of flying out of Toronto can be significantly less than flying out of Ottawa. I can save hundreds of dollars even when I factor in the cost of gas, parking and an overnight hotel.

Plane Ticket Savings

Regular price of ticket Toronto to Lima $896.00 including tax. My price was $396.00 taxes in for each person.

How I Save BIG Money on Accommodations

The cost of accommodations can be quite pricey for a family if you are looking at staying in a typical hotel room. I look for hostels to save money when I travel with my kids. A lot of hostels offer family rooms with ensuite bathrooms at prices significantly less than a hotel. Another option is a serviced apartment where you have access to a kitchen to cook in and lots of space to spread out in. This is usually much cheaper than paying for 2 hotel rooms. I also look for cheap accommodations that are centrally located so that I also save on local transportation.

Accommodation Savings

Cost of the Beijing Swissotel for a family of 4 was $220.00 per night. Cost of the hostel I stayed in was $37.00 for a family room!

How I Save on Local Transportation

When traveling with my kids the cost of local transportation can really add up. I take public transportation whenever possible. If there is a subway at my destination then I use this to move around. My kids also have fun trying to navigate the subway. I try to always book a centrally located hotel close to public transport and close to markets, stores and restaurants.

Local Transportation Savings

The cost of a taxi from my Shanghai hotel to the Science and Technology Museum was $12.00 each way. Cost of the subway for my family of four was $2 each way.

How I Save Loads of Money on Tours and Attractions

I always look for free or low cost attractions for my kids and I to enjoy. We always head to a local park for a few hours. The kids have fun exploring the different playgrounds and usually end up making some new friends too. I always search for free activities, museums or festivals. Organized local tours can also drive up the cost of your family trip. On a recent family vacation to Negril Jamaica I wanted to visit YS Falls for the day. I managed to save quite a bit by hiring a driver for the day and paying our own entrance fee. It was also great to have the flexibility of having a driver as I was able to leave when the kids were tired and we were able to stop for a delicious jerk chicken meal along the way.

Savings on Tours

The cost of an organized tour for a family of 4: $270.00

The price of a taxi driver and entrance for 2 adults, 2 children $145.00

How I Save Money on Dining

The cost of eating on your vacation can take a big bite out of the family travel budget. There are lots of ways to save money on dining on your trips. For breakfast I head to a local grocery store and stock up on fruits, baked goods and cereal (I pack a couple dollar store bowls and spoons). I try to book hotel rooms with a mini fridge and stock up on drinks and snacks as well. I also try to eat where the locals eat. The food is usually cheaper and much tastier than at the inflated tourist restaurants.

Savings on Dining

Cost of the breakfast buffet at my hotel in Paris was $60.00. The cost of some fruit and pastries was $18.00 for the whole family.

Now with all the money I have saved I can go on another family trip!

Things To Consider When You Prepare For Your Family Travel

There are loads of ways you can help prepare your kids for the family travel before you leave. Giving them some information that helps establish some familiarity with your destination can go a long way towards coping when they get there and it might also get them excited about the prospect in advance. Encourage your children to be involved in planning the trip and where you’ll be going as often as possible.

Books On Family Travel
A month or so before you depart get as much literature as you can on the area you will be visiting. Get tourist brochures, guidebooks, books from the library – anything with pictures. Try to find books of legends or children’s stories from the region. For a young child, even a travel brochure can be made into a story by explaining the pictures. You may be surprised at how much sticks.

Films On Family Travel
There’s nothing like a good movie to get kids excited about a place and give them a visual image of what it will be like, so hire some videos or DVDs before you go. You can also watch television family travel shows and other TV specials about places you’ll visit.

Restaurants and Outings
Take your kids out to eat in restaurants, go for weekend family trips, take them for walks – in short prepare them for the family travel. You can introduce a few different foods or flavours into your cooking and visit restaurants that offer cuisine that they will be exposed to while travelling. Although most young children will recoil on principle when anything new is offered, they will sometimes try new food in a new country when it is served up in a restaurant.

Maps
Pin up a map of the region you are travelling to and get older children to mark where they’d like to go. As you plan out your family travel you can mark your route on it.

Travel Stories
Invite friends around to share their travel stories of destinations. You might have to choose people carefully so you get stories that will capture the children’s imagination rather than bore them to tears.

Learning The Language
Learning some of the local language can be useful as well as enjoyable. Make it a fun and relevant activity like trying to talk in the language at the dinner table or use foreign words when you’re driving in the car. It will help your children’s confidence if they can converse with a few words, even if it’s just hello, goodbye, please and thank you. Children usually pick up languages well, particularly young children. Whatever efforts they make will be appreciated by local people.

Internet
Check out a variety of family travel websites on the internet and get as much information and advice about where your family travel destination. Tourist office websites are also a good starting point for information about the country you’re visiting.

Here’s hoping that all these travel tips will help you to have an enjoyable family travel.

Improve Family Ties With the Help of Family Travel Offers

One of the best ways to do this is to take family vacations to popular destinations where you can not only spend time together but also relax away from the hectic pace of everyday life. More and more families are opting for vacations due to the easily available family travel offers being provided by different travel agencies.

Families don’t just travel within their own countries but also like to travel to foreign destinations due to the easily available visas, airline tickets and hotel bookings. If you are looking for holiday travel offers for families then it is advisable to opt for the websites of any of the reputable travel agencies. The trouble is that there are many travel agencies and all of them claim to be the best. This is the reason that you need to conduct some research before you finalise the company that you wish to hire.

This research can be conducted online and you can browse through the websites of different travel agencies and short list 3-4 of them. Then you can call them up on the phone and discuss your requirements with them. This will give you the information that you need to single out one travel agency with which you should do business. On the other hand if you are a regular customer of a particular travel agency then they are sure to send you by email the information regarding the different family travel offers that they float from time to time. With a little adjustment to your schedule you can take advantage of these offers and opt for a family vacation.

Apart from the travel requirements there is the other requirement of hotel bookings. This should not be a problem because most travel agencies offer packages to families. At the same time, you can also independently search for hotels which provide special deals for families. Most of the good hotels in all the popular travel destinations have their own user friendly websites which will give you the information that you need to make your decision. Even if you are going to opt for a travel agency then there are special holiday travel offers for families which you can take advantage.

Also make sure to choose the destination with care, which is especially necessary if you have kids or elderly people with you. Nowadays most holiday destinations have special attractions for kids as well as elderly people. At the same time, there are also special discounts for kids and elderly people at some locations which will help you further save money. All this information is available online and with some research you will be able to save a considerable amount of money.