If your child is going on holiday alone, or on a school trip, they need to have the right travel insurance policy to protect them.

Some insurance companies only offer individual travel insurance policies to travellers over 18, so use the comparison above to find cover for your child.

Do they need their own policy?

Yes, unless you have a family travel insurance policy and are travelling with them.

Some family policies do cover your children to travel on their own, but not many so check your documents carefully if you already have travel cover.

What is covered?

Travel insurance for under 18s offers the same cover as any other travel policy, including:

  • Medical expenses

  • Cancellation and delay

  • Baggage and personal money

  • Some activities and sports

If your child is going skiing or trying any other extreme sports, they will need extra cover. This guide explains how to cover all your activities when you travel.

Our comparison shows what cover options each policy can offer, so use it to find the right travel insurance for your child's trip.

How to find the right cover

The cheapest deal might not be the best policy for your child, so think about things like:

  • Do they have pre-existing medical conditions? If they do, you must declare them when you apply so they are covered when your child goes away.

  • How long are they going away for? Make sure you find a policy that covers the length of their trip. Our comparison shows the trip duration each policy offers.

  • Do they have an EHIC? A European Health Insurance Card (EHIC) gives them access to medical care in European Economic Area (EEA) countries, but they still need travel insurance to cover things like baggage and cancellation.

Travel insurance for under 18s FAQs


Is my child covered under my policy?


Some travel insurance policies cover children for free, but not all. If you need extra cover buy a family policy or get separate policies for your kids.


Can I cover my child if they travel abroad with another family?


Yes, if your child is travelling with a friend's family you can get them an individual policy using our comparison.


Do my children need travel insurance if they travel in the UK?


They will not need medical cover because they are covered by the NHS, but it can still cover cancellation and lost or stolen possessions.


At what age can you get travel insurance?


Some insurers only offer individual policies to travellers over 16, but others set no age limit at all. Use our comparison to find policies for travellers under 18.


Can I get travel insurance for my baby?


Yes, most adult travel insurance policies will cover your baby or infant when you travel with them, but check first because not all do.


Do they need travel insurance in Europe if they have a EHIC?


Yes, the European Health Insurance Card (EHIC) only gives them access to state provided healthcare in European Economic Area (EEA) countries.