Family Travel Insurance in Spain

Q: Are children covered free on a family travel policy?

Yes — dependent children under 14 are typically added free to a parent's annual policy, with paediatric medical assistance included. The exact age rule and what counts as a dependent child are confirmed on your quote and Particular Conditions, so always tell us the children's ages when you ask for cover.

Q: What is a family travel insurance policy, exactly?

It is Generali's annual Anual Multiviaje multi-trip product set up for a family — parents and their dependent children on one contract, covering an unlimited number of trips during the year. You can read the underlying cover in our multi-trip policy conditions.

Q: How many trips can the family take in a year?

As many as you like. The policy covers an unlimited number of trips during the annual term, each up to 90 consecutive days, so there is no need to buy a new policy for every trip.

Q: Can we add trip cancellation cover for the family?

Yes. Trip cancellation is an optional module that reimburses unavoidable cancellation costs for a covered reason — such as illness, accident, bereavement or job loss. We can confirm the covered reasons and limits when we quote.

One annual Generali policy covering parents and dependent children for unlimited trips — children under 14 typically free.

Family travel insurance puts the whole household on one annual policy — parents and their dependent children covered together for an unlimited number of trips during the year. It is a family configuration of Generali's Anual Multiviaje multi-trip product, with children under 14 typically added free and paediatric medical assistance included, so it is usually far better value than buying separate policies for each traveller.

What family travel insurance covers

Every family member on the policy gets the same Generali travel guarantees on each trip, up to the limits for your chosen cover level and territory. The headline cover areas are below; the exact sums insured are confirmed on your quote and Particular Conditions.

Cover area	What it includes
Medical & repatriation	Medical, surgical, hospital, pharmacy and emergency dental costs abroad; medical transport and repatriation to Spain; hotel-stay extension and a companion where needed
Paediatric assistance	Medical assistance suited to children travelling on the policy
Travel disruption	Travel delay, missed connections, overbooking, strike, and early return for a serious event at home
Baggage & documents	Loss, damage or theft of baggage, theft of valuables, baggage delay and loss of travel documents
Liability & legal	Private civil liability abroad and information and legal services while travelling
Personal accident	Death and disability benefit following a covered accident on the trip
Trip cancellation	Optional module reimbursing unavoidable cancellation costs for a covered reason (illness, accident, bereavement, job loss and many more)

For the full, clause-by-clause guarantee detail that this annual product shares, see the multi-trip policy conditions.

Who family travel insurance is for

Parents with dependent children who take three or more trips a year — weekends away, school holidays, visits to family in the UK or elsewhere.
Households who would otherwise buy several single-trip or individual annual policies and want one renewal date and one set of documents.
Mixed leisure-and-business travellers — the underlying cover applies to professional trips (other than manual work) as well as holidays.
Families who want children covered for medical emergencies, baggage and disruption without paying a separate premium for each child.

How the family policy works

Because it is built on the Anual Multiviaje product, the family policy follows the same annual structure:

One annual term. The policy runs for one year; the dates are shown in your Particular Conditions, and you renew once a year rather than per trip.
Unlimited trips, up to 90 days each. Cover applies to stays away from your habitual home, up to a limit of 90 consecutive days per trip, with no cap on the number of trips in the year.
Children under 14 typically free. Dependent children are normally added to a parent's policy at no extra premium, with paediatric assistance included — the exact eligibility is confirmed on your quote.
Maximum entry age 75. The adult policyholder can take the policy out up to age 75.
Choose your territory. Cover can be set for Europe or Worldwide; as a guide, annual Europe cover starts from €60/yr and Worldwide from €120/yr, and trips to the USA require a minimum €1m medical limit.

Who counts as a dependent child — and free-child rules — are confirmed on the quote. The “under 14 free” benefit and the definition of a dependent child apply to children travelling on a parent's policy and are set out in your Particular Conditions. The base policy excludes pre-existing medical conditions beyond a vital emergency; if anyone in the family has a stable, controlled condition, the optional pre-existing module is only available on the single-trip Viajero range, so tell us before you book and we will confirm the right cover.

How to get a family travel quote

Tell us your family members and ages, where you travel and how often, and we will set up the cover and confirm the limits. Call 966 461 625, email info@turnerinsurance.es or use our contact page — our English-speaking team is here Monday to Friday, 09:30–15:00.

Frequently Asked Questions

Yes — dependent children under 14 are typically added free to a parent's annual policy, with paediatric medical assistance included. The exact age rule and what counts as a dependent child are confirmed on your quote and Particular Conditions, so always tell us the children's ages when you ask for cover.

It is Generali's annual Anual Multiviaje multi-trip product set up for a family — parents and their dependent children on one contract, covering an unlimited number of trips during the year. You can read the underlying cover in our multi-trip policy conditions.

As many as you like. The policy covers an unlimited number of trips during the annual term, each up to 90 consecutive days, so there is no need to buy a new policy for every trip.

Usually, yes. Putting parents and children on one annual policy — with children under 14 typically free — is normally a significant saving compared with buying individual or single-trip policies for each traveller, especially if the family travels three or more times a year.

Yes. Each member is covered for medical, surgical, hospital, pharmacy and emergency dental costs abroad, plus medical transport and repatriation to Spain, up to the limits for your cover level. Trips to the USA require a minimum medical limit of €1m.

Yes. Trip cancellation is an optional module that reimburses unavoidable cancellation costs for a covered reason — such as illness, accident, bereavement or job loss. We can confirm the covered reasons and limits when we quote.

The base annual policy excludes pre-existing conditions beyond a vital emergency. The optional pre-existing conditions module is only available on the single-trip Viajero range, not on the annual product, so please declare any conditions before booking and we will advise the right cover. Call 966 461 625 to discuss.

Other Generali travel cover: Single-Trip Travel Insurance · Annual Multi-Trip Travel Insurance · Annual Premium Travel Insurance · Student Travel Insurance · Travel Cancellation Insurance · Business Travel Insurance

Read the full Family Travel Insurance policy conditions in English →
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