Are you completely prepared for your next family holiday?

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Travelling with kids is no easy feat. It's fun of course, but can also be unpredictable. A family holiday requires a high degree of preparedness, including mastering the art of time management and making sure that you have the right kind of travel insurance.

Having kids changes the way you travel. You can no longer just pack a couple of things into a bag, get onto a plane on a whim and head to a destination without prior bookings.

Kids turn adults into practical beings, especially when it comes to holidaying overseas.

Ask anyone who has travelled with a toddler or two in tow, and they will tell you that holidaying with kids is not easy. There are just too many things to think about and factors to consider, including:

  • Destination – the place must have things to see and do for kids
  • Hotel – it has to be family-friendly
  • Flights – regulations about carry on luggage, kids’ meals, etc.
  • Time management – when to leave home, factor in toilet breaks etc.

Every single thing needs to be meticulously planned, leaving nothing to chance.

travel insurance

You need to plan your holiday with kids, well in advance and in detail.

This need for planning probably means that you will have to research, organise and book your holiday well in advance, leaving nothing to chance. All this time, effort and money on pre-booking should ideally mean that you have a smooth holiday right from your journey, through your stay and finally, returning home.

But travelling with kids can be unpredictable. There can be sudden and unforeseen illnesses and injuries, or missed flights which can either interrupt the holiday or lead to cancellation of the entire trip.

This where all your advance planning could actually backfire: If you have booked and paid for everything in advance, especially deals that are non-refundable, then you could very well see all your money go down the drain.

However, if you have travel insurance, it can help alleviate some of the financial burden that you may face as a result of the unforeseen mishaps before or during your trip.

So, why do you need travel insurance?

Only a handful of us really bother to find out what travel insurance is all about, and what it actually covers. Even fewer think about why we need travel insurance in the first place.

But mums and dads, you need to think about travel insurance seriously, especially when you are travelling with kids. This is because, not only will you be dealing with whatever emergency you have on hand, but also managing the little ones at the same time.

The things that could go wrong on a holiday range from being minor irritants to a full blown crisis. Some of the possibilities include:

Calling off the entire holiday

You or your child could fall seriously sick and may need to cancel your holiday. This means that if you have booked non-refundable flights and have non-refundable hotel bookings then the chances are that you will lose all the money you have spent.

Although there could be some bookings that might offer you a partial refund, having travel insurance could help you recover some of the money that you’ve spent.

Children can fall sick frequently and unexpectedly, so consider getting travel insurance cover as soon as you have booked your holiday. As your tickets and accommodation will be your biggest expense, you would want them recovered in case of an eventuality.

travel insurance

You could get to the airport all ready for your holiday, only to find out that the flights have been cancelled. In such a case a travel insurance cover can help recover some of the costs.

Flights getting cancelled

Your flights could be cancelled because of bad weather, airline bankruptcy or other factors. In such a situation, having no travel insurance means you might just have to head back home and cancel your holiday.

However, a good travel insurance plan would help recover some of the trip costs and/or deposits that cannot be recovered following the insolvency of an airline, licensed tour operator or travel agent.

How do you protect yourself against delayed or lost baggage, stolen passports and emergency medical care? Click on the next page to find out.

Finance Travel