Holiday Insurance for Children

Many travel insurance companies will think twice before selling holiday insurance to people above 65 years. The same applies if your child is below 18 years and not included in your holiday insurance plan. This doesn’t necessarily mean that your child cannot be covered under holiday insurance plan.

How to buy holiday insurance for children

If a particular company is offering coverage for 2 children along with parents’policy and you have 3 children, you need additional coverage for your 3rd child. Not all insurance providers have the same limitations and you need to compare rates offered by few companies. Also check for coverage rules incase you are a foster parent or a legal guardian.

The age of a child is another factor that will determine the amount you have to shell out as premium. While few companies include individuals up to the age of 18 under children, you will also come across few companies that consider 23 as the cut off mark. Very few companies will include your child in the parents’policy if he/she is 23 but if the company does, it is a bit of saving for you.

Independent Annual Children’s holiday insurance is good if your child has to do a lot of traveling without you. These travel insurance policies will enable your child to travel independently despite being covered in your policy.

Often children have to go with school groups for excursions and education tours. Under these circumstances, this kind of holiday insurance for children can be handy.

Coverage for adventurous children – If your child is fond of sports and frequently takes part in mountain biking and skiing, it is always better to check it out with the insurance provider and find out the terms and conditions of coverage.

Pre-existing medical condition – If your child has a pre-existing medical condition, you can have him covered. Some of the insurance providers offer as much as 10 million pounds towards emergency medical expenses. It is important to find what pre-existing medical conditions are covered.

Top companies offering holiday insurance for children

Halifax Travel Insurance, Sainsbury Finance, and InsureandGo are 3 popular companies that offer travel insurance for children. The names of other companies are given below –

Nationwide
Maximum duration of trip – 547 days
Places covered – Winter sports, Europe, Worldwide (including and excluding USA)
Medical expenses limit – 5,000,000 pounds

Lloyds TSB
Maximum duration of trip – 183 days
Minimum age – 16 years
Places covered –Europe, Winter sports, Worldwide (Including and excluding USA)
Medical expense limit – 5, 000,000 pounds
Esure
Maximum duration of trip – 59 days
Minimum age – 16 years
Places covered – Europe, Worldwide (including and excluding USA), winter sports
Medical expense limit -10, 000, 000 pounds

Budget
Maximum duration of trip – 545 days
Places covered – Europe, winter sports, worldwide (including and excluding USA)
Minimum age – 16 years
Medical expense limit - unlimited

RAC
Maximum duration of trip – 120 days
Places covered – Europe, Worldwide (with and without USA), winter sports
Minimum age – 16 years
Medical expense limit – 10, 000, 000 pounds

Latest Updated on 30/12/2010