When it comes to children and travel, it’s important to make sure the littlest members of the family have all the cover they need for a safe and comfortable trip.
There are many types of policies to consider, from family insurance packages, to travel insurance for children travelling alone. But don’t worry, we’re here to make the whole thing as easy as possible to organise.
Why do I need children’s travel insurance?
Travel insurance for children is there to protect them against any emergency that may happen while they’re abroad. For example, if your child needed to be treated in a hospital for a stomach bug or infection, any following treatment, plus return flights and so on. This could cost £100,000 and we reckon that’s probably a lot more than your average holiday budget!
Taking out travel insurance for kids means that if anything happened to your little ones, your insurance company would take care of the bill and be on hand to give you advice and support too.
Kids’ travel insurance policies vary, but typically, include insurance for things such as medical expenses, personal expenses and cancellation fees.
Does my child need travel insurance when travelling with me?
In short, yes they do. If your child is travelling – especially to another country – you’re going to want to make sure that if anything untoward happens, there’s insurance in place to help with any costs.
If your child is travelling with you, you can take out family holiday insurance, which could cover one or two adults plus at least one child (maximum 8). There’s also single-parent cover, along with couple and child policies, which cover you and a partner, plus one child. This is often a cheaper option.
So what cover do I need if my child is travelling alone?
If you’re looking for travel insurance for children travelling alone, the policy to choose will depend on what they’re going to be doing. Your child’s cover should include things like lost luggage, personal accidents, medical treatment and protection against money and valuables being lost or stolen.
If they’re off on an active holiday with school, or visiting family or friends, then it’s important to make sure they’re covered for certain activities, things like extreme sports or activities. Remember though, not all child travel insurance policies cover it automatically and if you think it’s needed, you must make sure it’s included before you sign up. For example, activities like go-karting (although great fun!) may need to be covered separately, as some insurance companies see them as dangerous pastimes.
How do I get children’s travel insurance?
We’ll forgive you for thinking this all sounds complicated. But fear not, that’s where we come in. We’ll take the hassle out of searching and take care of the hard work for you. Simply tell us what you need and we’ll compare hundreds of travel insurers for you, so you can find the perfect cover for your child. All you need to do is click here, answer a few questions and you’ll have your results in a couple of seconds.
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