Children's Travel Insurance
Protect your kids on holiday. Cover for babies, toddlers, and teens — medical emergencies, cancellation, lost luggage, and 24/7 emergency assistance.
Children's travel insurance — get a quoteWhat Children's Cover Includes
Free Child Cover
Most family policies include children at no extra cost under age 18
Baby & Toddler Cover
Specialist cover for infants including nappy rash, ear infections & travel sickness
Teen Sports Cover
Activities like skiing, surfing, and adventure sports covered for older children
School Trip Insurance
Cover for organised school trips abroad without parents
Emergency Dental
Dental accidents covered including broken teeth from falls or sports
Gadget Protection
Cover phones, tablets, and gaming devices children carry on holiday
Key Features to Check for Kids' Cover
Age limits for free cover
Most policies cover children free until 18, some extend to 21-23 for students
Pre-existing conditions
Declare all conditions including asthma, allergies, and ADHD for every child
Activity cover for teens
Check adventure sports and water activities are included for older children
Pushchair & equipment cover
High-value items like pushchairs, car seats, and travel cots should be listed
Childcare emergencies
Cover if a child falls ill and you need to extend your stay or return home early
Compare Children's Travel Insurance Providers
| Provider | Price | Coverage | Excess | Best For |
|---|---|---|---|---|
| World Nomads Standard | From £35/trip | £2.5M medical | £75 | Family holidays |
| World Nomads Explorer | From £50/trip | £10M medical | £75 | Adventure families |
| SafetyWing Nomad Insurance | $45/month | $250K | $250 | Long-term family travel |
We earn a commission when you buy through our links. This doesn't affect your price.
Why Children Need Travel Insurance
Children are more vulnerable to illness and accidents abroad. From sunburn and stomach bugs to broken bones at the water park, medical bills overseas can run into tens of thousands of pounds. A simple A&E visit in the US can cost over $3,000 — without surgery or overnight stay.
Babies and Toddlers
Very young children are susceptible to ear infections (especially after flying), dehydration, allergic reactions to new foods, and fevers. Travel insurance ensures you can access quality medical care immediately without worrying about costs. Many policies also cover the cost of a parent staying in hospital with the child.
School-Age Children
Active children are more likely to need medical attention for sports injuries, falls, and accidents. If your child has asthma, allergies, or ADHD, ensure these are declared and covered. School trip cover is essential for organised trips abroad.
Teenagers
Teens may want to try adventure activities like surfing, jet-skiing, or bungee jumping. Standard cover may not include these — check the activity list carefully. Gadget cover for phones and laptops becomes particularly important for older children.
Common Claims for Children
- Emergency medical treatment: Stomach illness, ear infections, broken bones
- Trip cancellation: Child develops chickenpox or measles before departure
- Lost belongings: Toys, clothing, and gadgets
- Extended stay: Child hospitalised and parents need to extend trip
- Emergency return: Flying home early due to child illness
Frequently Asked Questions
Do children need their own travel insurance policy?
Generally no. Most family travel insurance policies include children for free when travelling with a parent or legal guardian. Children are typically covered up to age 18, or 21-23 if in full-time education. Only if they're travelling independently (e.g., school trips) would you need separate cover.
What age do babies need travel insurance?
Babies need cover from birth. Even newborns can need emergency medical treatment abroad, which can be extremely expensive. Most family policies cover babies automatically at no extra cost. Always declare any birth complications or ongoing conditions.
Is travel insurance for children expensive?
No — children are usually included free on family policies. A family policy covering 2 adults and up to 4 children typically costs only marginally more than a couples policy. Individual child-only policies are also available from around £5-15 for a single trip.
What medical conditions should I declare for my child?
Declare everything: asthma, allergies (food, insect, medication), eczema, ADHD, autism, heart conditions, and any ongoing treatments. Even conditions you consider minor can affect claims. Undeclared conditions can void the entire family policy.
Are adventure activities covered for children?
Standard policies cover most beach and pool activities. For skiing, surfing, diving, or theme park activities, check the policy specifically. Some activities have age restrictions. Winter sports cover is usually an add-on regardless of age.
What if my child gets sick on a school trip abroad?
School trip cover ensures your child is protected when travelling with their school. Most family policies offer this as standard or an add-on. The school should also have group cover, but having your own policy ensures no gaps. Contact the 24/7 helpline immediately if your child falls ill.
Does travel insurance cover children's lost luggage?
Yes, children's belongings are covered under the family policy's baggage section. This includes clothing, toys, and any listed gadgets. Emergency purchases for essential child items (formula, nappies, medication) are typically covered if luggage is delayed over 12 hours.
Can grandparents get travel insurance covering grandchildren?
Yes, many insurers offer grandparent policies that include grandchildren. The children must be named on the policy and travelling with you. Some providers require temporary legal guardianship documentation. Compare options as prices vary significantly.
Related Insurance Options
Protect Your Journey
Many travel insurance policies include free cover for children. Check age limits and coverage details before you travel.
Children's travel insurance — get a quoteWe receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
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Protect your trip
Many travel insurance policies include free cover for children. Check age limits and coverage details before you travel.
- Medical emergency coverage
- Trip cancellation protection
- Lost luggage assistance
We receive a fee when you get a quote from World Nomads using this link. We do not represent World Nomads. This is not a recommendation to buy travel insurance.
Our team helps parents find the right insurance cover to protect children on holidays abroad.