Im a 25 yr old male and starting having palps about a year ago. I had several hundreds a day. I went and got a stress test and event recorder, and everything was fine. I started working out more and doing healthier things and they got better. I would go to the doctor, get it tested and move on. Everyone has palps, sadly your one of us that has to feel them! :)
Sounds like a PVC to me too. I would go get it checked out to be on the safe side. Palpitations in a normal heart are nothing to worry about, just a big nuisance.
it sounds like it may be a palpitation, but given the fact its concerning you, and you have a family history of an electrical issue, it would be best to stick on the side of caution and get it checked out.. mention it to your primary care physician, he will likely give a monitor to wear for 24 hours.
good luck!!!