Who is classed as family on travel insurance
Hi Alan & welcome 
From the Monzo Premium (AXA) T&C’s, the definition of ‘relative’ travelling with you:
“mother, father, sister, brother, spouse, or fiancé/fiancée or common law partner (any couple, in a common law relationship living permanently at the same address) daughter, son, including
adopted daughter or son, grandparent, grandchild, parent-in-law, son-in-law, daughter-in-law,
sister-in-law, brother-in-law, stepparent, stepchild, stepsister, stepbrother, foster child, legal
guardian, legal ward.”
There’s no doubt the policy is worded for the individual (Premium account holder). But then Page 26 details what claims can be made, and these clearly include ‘You’, a ‘close relative’ or ‘any person with whom you are travelling or staying with’
"For all claims relating to illness or injury a medical certificate will need to be completed by the treating medical practitioner treating you, a close relative, or any person with whom you are travelling or staying with. "
By definition, using your example, if I was on Holiday with my Aunt, and she needed medical treatment for an unforeseen illness or injury, the medical costs would be covered.
All a bit moot when the Aunt should have her own travel insurance and not rely on a close relative to have a policy which covers her too!
Looking back, my older HSBC travel insurance policy had very similar wording. I claimed with that policy once for one of the kids. Never claimed for a ‘close relative’ so I can’t say for sure if there are complications with such a claim. I guess we won’t know until someone has an unfortunate experience and tries to claim for such an edge case, but the stated conditions above inform that defined people are covered for Medical treatment costs.
With all that lot considered, it’s safest to say ‘family’ includes spouse/partner and children under the age of 19 (or 21 if in full-time edu) living at the same address as the Premium subscriber, and the policy also allows for claims for people outside of the ‘family’ who are included in the ‘close relative (travelling with you)’, ‘people travelling with you’ and ‘people you are staying with while travelling’ definitions.
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Quick question:
Does the family member like a fiancée is covered only if travelling with the Monzo card Holder and can be covered also when travelling solo?
Thanks
Denis
Normally only when travelling with the policy holder, which would be the Monzo account holder so unfortunately not.
Hi Denis @ welcome
As with almost all Travel Insurance policies, it covers only qualifying people who are travelling with you - you being the insurance policy holder.