- Up to 2 adults.
- Up to 5 unmarried children (step-children and foster children). Children must be under 18, or under 24 if in full-time education and still resident at home.
Family Travel Insurance
Protect Your Loved Ones on Every Trip
+ Kids go Free^
Please note: This is not a separate policy. Our Family Travel Insurance is the same AA Travel Insurance product (Essential, Extra or Value cover) available to all eligible customers. Read below for more T&Cs.
Family Travel Insurance That’s Built for Peace of Mind
Planning a family holiday? Whether it’s a staycation in Kerry or a sunshine break in Spain, AA Travel Insurance helps you and your loved ones travel with confidence.
Top Features And Benefits of Family Travel Insurance 🏝
Reimbursement of non-refundable travel expenses — airfare and accommodations — if a journey is canceled on account of serious sickness, injury, or other unforeseen circumstances.
- Up to €6,000 (dependent upon level of cover)
- Consists of activities like jury service or more.
- Subject to terms, ecludions, and waiting periods.
Note: Cover may be subject to exclusion for pre-existing conditions unless declared and agreed.
Coverage of overseas emergency medical care, in-hospital stays, and return transportation home if it is medically indicated.
- Up to €10,000,000 of medical cover. (based on level of cover)
- Emergency helpline available 24/7.
- Coverage of emergency dental and hospital bills
Note: Cover is subject to conditions of the policy. It may be necessary to claim on any private health insurance prior to this policy taking effect.
In the event of lost, stolen or delayed baggage, this plan will compensate for the cost of necessary items and personal possessions.
li>Up to €300 for delayed luggage after 12 hours.
- Up to €3,000 for lost or stolen items (dependent on cover level)
- Passport replacement fees are included
Covering expenses for COVID-19, which includes:
- Cancellations due to a confirming test taken prior to departure.
- Abroad medical treatment or isolation.
- Additional accommodation in case of delay in return.
📌Click to read more about this protection.
Note: Coverage is valid if bought over 48 hours prior to departure and in accordance with government travel warnings.
Important Information: Family Holiday Insurance
-
Family cover is available for:
-
Up to 2 adults (partners/spouses)
-
Up to 5 dependent children (biological, step or foster)
-
-
Children must be:
-
Under 18, or under 24 if in full-time education
-
Permanently residing in Ireland, and travelling with one of the insured adults
-
-
Adults on an Annual Multi-Trip policy may travel independently. Children must always travel with one of the named adults.
- You must declare all pre-existing medical conditions for each person on the policy.
- These will be assessed, and we’ll confirm in writing if cover applies.
- If a condition is not accepted, related claims may be excluded.
- Any claims linked to undeclared or unaccepted medical conditions will not be paid.
- This applies to all insured travellers, including children.
Round-the-Clock GP Access with Family Holiday Insurance
Round-the-Clock GP Access with Family Holiday Insurance
With our Family Holiday Insurance, you get 24/7 access to an English-speaking GP while you’re abroad. Whether it’s a quick question or a medical concern, a trusted doctor is just a call or click away—anytime, anywhere.
Read MoreFrequently Asked Questions (FAQs) for Family Travel Insurance✨
No, Family Travel Insurance is not a separate policy — it’s a type of cover available under standard plans, specifically designed for families travelling together.
You’ll be covered for many of the same benefits as an individual policy, including:
-
Emergency medical expenses abroad
-
Trip cancellation and curtailment
-
Lost, stolen or delayed baggage
-
Personal liability
-
COVID‑19-related disruption (where accepted)
A family policy covers:
-
Up to 2 adults (partners/spouses)
-
Up to 5 unmarried children (including step- or foster-children)
-
Children must be:
-
Under 18, or
-
Under 24 and in full-time education
-
-
All children must live with the adults and travel to the same destination
Yes. Adults on a family policy can travel on their own. However, children need to travel with at least one insured adult.
Yes – COVID‑19 is covered in certain situations, such as:
-
Needing to cancel due to a positive test result
-
Emergency medical treatment abroad
-
Extended stay costs if you’re required to isolate
They can be covered, but must be declared during the medical screening process.
Cover is subject to assessment and acceptance, and may involve an additional premium.
Most leisure and non-competitive activities are covered as standard — such as cycling, swimming, and guided hiking.
Activities like skiing or scuba diving may require optional upgrades.
Yes, this cover normally include people until 79 years of age. Backpacker plans are limited to 45 years of age.
Already Insured with us? 🤝
We hope your trip will go off without a hitch, but should something change. We’re here.
Get a Quote
Explore Our Travel Tips and Guides
Navigate Your Journeys with Confidence Using Our Expert Travel Tips.
Terms and Conditions
*Price covers one adult under 50 to Europe with private medical insurance. AA Ireland is tied to Inter Partner Assistance SA for travel insurance policies.
^Offer applies to Value European Single Trip or Multi-Trip policies at the ‘Family’ cover level only. Family plans are limited to 2 adults and up to 3 children (under 18, or under 23 if in full-time education). Premiums for children, or those classified as children, will reduce to zero for the duration of the offer period. Offer ends 31/10/2025. Policies must commence before 31/12/2025. No cash alternative applies. Excludes add-ons. AA Ireland is tied to Inter Partner Assistance for the sale of Travel Insurance.