You can insure a child on a standard travel insurance policy. There are a few ways to go about doing this – it depends on whether your child is travelling alone, with friends or family.
It’s fairly easy to get travel insurance for under 18s, but less insurers cover under 16s - the younger your child, the less choice you’ll have.
That doesn’t mean you can’t compare travel insurance to get good value for money.
Make sure the travel insurance you chose covers your child for:
If your child has an accident or gets an illness abroad and needs medical treatment, travel insurance will cover the cost up to a set limit
Some illnesses or injuries are better off being treated at home, in which case your insurer will pay the costs of getting your child home again before their scheduled departure
Get travel insurance as soon as your child’s trip's booked. That way, you’re covered for cancellation, delays and curtailment – make sure the cancellation amount is enough to cover the cost of the trip
Protect your child’s luggage and personal possessions while they’re away. You might want to consider additional cover for any expensive gadgets they’ll be taking too
School trips abroad are usually covered under an insurance policy organised by your child’s school.
A good school-trip insurance policy will cover cancellations, lost possessions or medication, and medical expenses, as well as any activities that are planned for the trip.
However, some policies only cover general liability – if your child accidentally bumps into someone, causing them to drop their phone and cracking the screen, for example.
Find out exactly what’s covered by their policy, especially if your child has a pre-existing medical condition, so you can decide whether you need to take out additional cover for your child.
Before the trip, it’s really important to talk to [your children] about what to do if things don’t go to plan, and to make sure that they know what to do and who to contact if there’s a problemGretta Schifano - Mums Do Travel blog
Consider the following when comparing travel insurance for under 18s:
If your child is going away with friends of family, it might be cheaper to buy a family or group holiday insurance policy than individual cover
If your child's only going away once this year, opt for a single-trip policy - it's cheaper
For multiple trips a year, compare single trip and annual to see which is best value for money
Check over the policy details so you know what your child is covered for – if you’re not sure about anything, give the insurer a call
Use a cloud storage service, like Dropbox or Google Docs, to upload scans of important travel documents such as insurance, passport, travel itinerary and visas online
If your child will be travelling in Europe, make sure they have their EHIC