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.

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.

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.

  • 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.