Since risk increases with each trip rather than each person it generally works out cheaper to get family travel insurance policies (or, likewise, combined/group policies). Nearly all insurance providers offer cover for families for both single trip and annual multi-trip policies but whom and what they cover can differ significantly.
Some providers have a limit on the number of children who can be included on a policy, whilst a number of others include children at no extra cost, so it is definitely worth looking around. Check the small print on annual family insurance policies though, as many do not cover policy holders when traveling alone, and others may need notification in such circumstances.
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