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 defined 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 each quote 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:
- 1.
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.
- 2.
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.
Child travel insurance FAQs
Can I cover more than one child under the same policy?
Yes, some insurers may cover several children under the same policy. Check if this is possible when you get quotes.
Is child travel insurance a legal requirement?
No, but it can protect you against expensive bills if something goes wrong abroad.
Will all countries be covered
Not always, there may be countries that will not cover your child. Check your quotes to find out if your child will be covered.
Does the length of my child's trip matter?
Yes, there is usually a limit e.g. 30 days. Check your quotes to make sure your child will be covered for the full duration of the trip.
About our travel insurance comparison
Who do we include in this comparison?
We include every insurer that offers travel insurance policies to children up to 25 years old. They are all regulated by the Financial Conduct Authority. Here is more information about how our website works.
How do we make money from our comparison?
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and the deal you get is not affected.