You can save money on your family virgin travel insurance by not opting for winter sports. However is you are intending to do some skiing or similar you should ensure that you are fully covered for winter sports as it is normally not included as standard, and you policy will not be covered you should you have an accident.
Most companies will ask you what level of cover you require, from baggage insurance to personal effects. Ensure you know the value of that you are taking away with you, but also consider the value of goods you may be bringing back. You may have to claim for them, if they are lost during the return trip.
Even the smallest of ailments could prevent you from flying home, like an ear infection. Not having family virgin travel insurance would mean finding money to pay for return flights, and accommodation during your extended stay.
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