Compare cheap travel insurance for children

Going on a family holiday does not have to mean expensive travel insurance. Compare companies that offer discounts on cover for your children to help keep the costs down.

  • Compare children's travel insurance from leading providers
  • Choose you extras
  • Get quotes in under 5 minutes
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Compare travel insurance for children from leading providers

Looking through a range of options gives you more chance of securing a great deal. You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare travel insurance for children

1

Enter your details

Let us know what you need so that we can find our best travel cover policies for children. Declare any medical conditions and also any extras you require on your policy.

2

Compare your options

Have a look through the options as cost can vary significantly between providers. The cheapest travel insurance option might catch your eye however check the terms to ensure you're fully protected if you need to make a claim.

3

Apply and save

Many insurers offer discounts for applying online, while some only ever operate digitally, so to make sure you find the best travel insurance deals comparing quotes on the internet is a must. Once you've decided on the provider you want, simply apply.

How to find the best child travel insurance

To find the best child insurance, think about:

  • Your child's age

  • What cover you need

  • The purpose of the trip

  • How often your child goes abroad

  • If your child is already covered

How old is your child?

The definition of a child can vary between insurers. Insurers usually define a child as either:

  • A person under the age of 18

  • A person under 16 years old

Check your quotes to make sure that your son or daughter will be classified as a child under the insurer's definition.

What do you need to cover?

Child travel insurance usually covers:

  • Injury or illness, which covers your child's medical bills abroad.

  • Trip cancellation, you can claim if your child is unable to travel due to unexpected circumstances, for example your child needs emergency medical treatment.

  • Possessions that need to be replaced if they are lost or stolen.

Check your policies carefully to ensure the cover you need is provided.

What is the nature of the trip?

Child travel insurance usually covers:

  • Family holidays

  • Visiting overseas relatives

  • School trips

  • Studying abroad

However, cover for some activities may be excluded e.g extreme sports or working abroad.

To find the right policy, check if the purpose of your child's trip is covered in your quotes.

How often does your child travel?

Knowing how often your child will be going abroad can help you find the right level of cover. There are two main types of cover:

  • Single trip cover which will cover your child for one trip that is up to a certain length e.g. a trip of up to 100 days.

  • Annual cover covers several trips that are made over a 12 month period.

Is your child already covered?

If you have family travel insurance, check your policy to figure out if your child is already covered.

This can help you avoid paying for cover you already have.

Have you shopped around?

Compare several quotes and choose the one that best fits your child's circumstances.

Be aware of any exclusions, otherwise your child may not be covered and you could be out of pocket if something goes wrong.

If you have to pay any excess if you decide to make a claim, check if you can afford this, otherwise your insurer may reject your claim.

Pre-existing medical conditions

You can still get a quote through money.co.uk if you have a pre-existing condition, including cancer or severe heart or respiratory complaints. People who have had strokes or are terminally ill can also get a quote.

Some insurers might not cover you if you already have a severe medical disorder or a number of conditions, and others may only offer insurance at a much higher price. If you’re unable to find suitable cover, talk to the Money and Pension Service (MaPS). It has a directory of insurers willing to cover customers with pre-existing medical conditions.

You can contact the Money and Pensions Service (MaPS) through its website or telephone the team on 0800 138 7777.

Travel insurance for children FAQs

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Why compare travel insurance with money.co.uk?

Comparing travel could help you save money. Our award-winning travel insurance broker service makes sure you get the cover you need for the lowest premiums. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators to help you make life's most important decisions and take control of your money.

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Travel more, spend less

What you need to know to get as much holiday for your money as you possibly can - from where to go, how to get there, the best way to spend while away and your rights if anything goes wrong

Last updated: 29 March, 2022