If you're going on holiday with your family, then you'll want to know that your family travel insurance actually does cover you.

Here's how to get the best family travel insurance.

1. You'll need to know what you want it for. Will you just ant health insurance? Just for your luggage and personal possessions, or for everything? You won't want to think that you're covered on your household policy only to discover you aren't.

2. Different types of holiday require different levels of travel insurance. You're much less likely to break a limb whilst sitting on a beach for a fortnight, compared to snowboarding, or skiing. You're probably more likely to lose your camera on a city break. You'll need to ensure that you've got the right level of cover.

3. Once you think you've found the right policy, you'll need to find out what it actually covers, and whether it's relevant to you. Even if you're only going on holiday for a short while, you still don't want to take a chance with your family's health.

4. You'll need to find out what the excess charge is. You won't want to drop your camera, and have to pay the first £100 of any claim.

5. It's a good idea to find out what the insurance policy says regarding the replacement of lost or broken items. Is there a like for like policy? Do you only get what the old item is currently worth?

6. If you go on holiday several times a year, then it might be better to get an annual policy, rather than a policy for each trip. Perhaps your policy will cover you whilst you travel on business as well.

7. Many foreign countries don't have free healthcare, unlike the UK so you'll need to be aware that medical treatment is likely to cost. Having adequate travel insurance that covers health, injuries and illness will be worth it if a family member is injured, or is taken ill whilst abroad. You don't want to be faced with a massive bill for hospital treatment.

8. Why not try looking online for your travel insurance policy? It's quicker and than having to ring up lots of providers, and you're bound to get a better quote, as the overheads will be lower.

9. Booking your family travel insurance through your holiday company when you book your holiday might prove to be more expensive than booking it separately.

10. As the level of cover, for your possessions and yur health is the moist important aspect of your family travel insurance, it's essential that you don't pick a cheap family travel insurance policy solely because of the cost. The cheapest won't be right for you unless it gives you the cover you need. You don't want to discover that your policy isn't what you thought it was when you try and claim.

Now you know what to look for, you'll be able to get the cover you need for your family, and get good value for money too.

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