Travel Insurance for Under 18s
Travelling with children means making sure every detail is taken care of, including getting the right travel insurance. Our policies for under 18s are designed to offer clear, reliable cover that suits their age and circumstances. With options for infants, young children and teenagers, we make it simple to get the protection they need for any trip abroad.
Plan Options
What is Travel Insurance for Under 18s?
Travel insurance for under 18s provides medical and emergency cover for children travelling abroad, along with protection for things like trip cancellations, lost belongings, or travel delays. The type of cover available depends on the child’s age. For example, infants under 24 months are included on a parent or guardian’s policy at no extra cost, while children aged 4 and over can have their own individual policy. This ensures they’re fully covered in the event of the unexpected, just like any adult traveller.
Where do you cover?
With Expatriate Group, you can explore new places, take a family trip abroad or head off on an adventure, all with the reassurance of travel insurance designed for those under 18. With cover available for travel across Europe and worldwide, our policies are shaped to fit your child’s age and travel plans. Protection begins as soon as your policy is confirmed and runs until the moment they return home.
Please note, we are unable to offer travel insurance to travellers departing from Benin, Burkina Faso, Dominican Republic, Ivory Coast, Nigeria or Senegal.
Where do you cover?
Policy Benefits
Key benefits of our Under 18s Travel Insurance
Our travel insurance for under 18s offers flexible and dependable cover tailored to your child’s travel plans. With a core policy that can be customised with optional extras, you can select the protection that best suits their destination, activities and specific needs.
Emergency Medical Evacuation
If your child becomes unwell or is injured while travelling, medical evacuation may be needed to ensure they receive the right care. Our travel insurance for under 18s includes cover for emergency medical transport, so they can be taken to a suitable medical facility quickly and safely if required.
Emergency & Accidental Medical Treatment
Our core policy includes comprehensive cover for medical treatment and emergency evacuation for under 18s. This includes hospital care, prescribed medication, air ambulance transport and other urgent treatment your child may need while abroad. It’s designed to protect against unexpected costs and give you confidence that they’re in safe hands throughout their trip.
Enhanced Benefits & Protection
The Standard policy builds on the cover included in our Basic option, with added extras for more complete protection. For under 18s, this means extra reassurance if things don’t go to plan, such as lost belongings, a misplaced passport, or travel delays. It’s ideal for giving parents and carers peace of mind, wherever you’re travelling to.
Cancellation and Curtailment Cover
In addition to everything included in the Standard policy, our Comprehensive cover also provides protection for trip cancellation and curtailment. This can be especially useful if your child’s travel plans change unexpectedly or the trip needs to be cut short due to unforeseen circumstances, helping to recover costs and reduce disruption.
TRAVEL INSURANCE FOR UNDER 18S
The Benefit Schedule
The benefit schedule below is applicable to Expatriate Group’s Travel Insurance for Under 18s. It is a summary of travel cover and must be read in conjunction with the policy wording. All coverages and plan costs listed in this schedule of benefits are in Euros, dollars, and pounds. All benefits will be reimbursed at Usual, Customary and Reasonable (UCR) charges where applicable. Amounts shown are the maximum per policy and period of cover, except where otherwise stated.
| BASIC Medical Treatment & Evacuation | |||
|---|---|---|---|
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Air Ambulance | 100% per Trip | ||
| Accompaniment | $/€300 per day up to $/€3,000 per Trip | ||
| Continuation | $/€5,000 per Trip | ||
| Repatriation for Medical Treatment | 100% per Trip | ||
| Care Management | 100% per Trip | ||
| Acute/emergency Sickness and Injury | 100% per Trip | ||
| Treatment by authorized physicians, nurses and specialists | 100% per Trip | ||
| Hospitalization (semi-private rooms) | 100% per Trip | ||
| Surgery, anesthesiologist | 100% per Trip | ||
| Prescribed medicines, dressings | 100% per Trip | ||
| Local transport to and from the place of treatment | 100% per Trip | ||
| Treatment by physiotherapists and chiropractors | $/€2,500 per Trip | ||
| Medically Necessary required durable medical equipment | 100% per Trip | ||
| Limited motorcycle and sports vehicle coverage for injuries only | $/€10,000 per Trip | ||
| Emergency dental treatment for immediate relief of pain | $/€500 per Trip | ||
| Non-Hazardous Sports Coverage | $/€150,000 per Trip | ||
| Other Benefits | |||
| Repatriation of Mortal Remains | $/€25,000 per Trip | ||
| ATMSafe | $/€500 per Trip | ||
| STANDARD Enhanced Benefit Options | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Baggage Delay 1 | $/€100 per day up to $/€700 per Trip | ||
| Baggage Loss/Theft | $/€500 per Item up to $/€2,500 per Trip; subject to $/€100 Deductible per Trip | ||
| Personal Liability | $/€100,000 per Trip | ||
| Accidental Death & Disability / Permanent Total Disability | $/€100,000 per Trip | ||
| Additional Hospital Benefit (per day / total benefit) | $/€75 per day up to $/€600 per Trip | ||
| Physical Assault | $/€5,000 per Trip | ||
| Money and Documents (tickets, cash, banknotes) | $/€500 per Trip | ||
| Loss of Passport | $/€250 per Trip | ||
| Travel Delay 1 | $/€100 per day up to $/€1,000 per Trip | ||
| Missed Departure | $/€1,000 per Trip | ||
| Legal Expenses | $/€10,000 per Trip | ||
| Hijacking | $/€1,000 per Trip | ||
| Emergency evacuations for Non-Medical reasons, including War, Civil Unrest, or Natural Disasters | $/€1,500 per Trip | ||
| 1. Benefit does not apply to One Way Trips | |||
| COMPREHENSIVE Cancellation and Curtailment Cover | |||
| Emergency and Accidental Medical Treatment | €/$1,000,000 | ||
| Emergency Medical Evacuation | €/$100,000 | ||
| Cancellation and Curtailment 2 | $/€2,000 per Trip; subject to $/€100 Deductible per Trip | ||
| Compassionate Repatriation (Family Return) | $/€6,000 per Trip | ||
| 2. Benefit not available to residents of the USA | |||
|
Add On Option 1 Winter Sports Package – Limited to 21 days aggregate per Policy Period |
|||
| Ski Equipment | |||
| Owned | Up to $/€300 | ||
| Hired | Up to $/€300 | ||
| Single item limit | $/€300 | ||
| Unreceipted Items Limit | Up to $/€150 | ||
| Unreceipted Single Item Limit | Up to $/€50 | ||
| Ski Hire | $/€25 per day up to $/€300 | ||
| Ski Pack | $/€25 per day up to $/€300 | ||
| Piste Closure | $/€25 per day up to $/€300 | ||
| Delay Due to Avalanche | Up to $/€300 | ||
|
Add On Option 2 Business Equipment & Money |
|||
| Business Equipment | Up to $/€1,500 | ||
| Single Item Limit | $/€500 | ||
| Computer Equipment Single Item Limit | $/€750 | ||
| Samples Limit | $/€400 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Delayed Business Equipment | $/€100 per day up to $/€300 | ||
| Emergency Courier of Essential Business Equipment | Up to $/€400 | ||
| Business Equipment Hire | $/€100 per day up to $/€500 | ||
| Business Money | Up to $/€500 | ||
| Cash Limit | $/€200 | ||
|
Add On Option 3 Golf Cover – Limited to 21 days in aggregate per Policy Period |
|||
| Golf Equipment | Up to $/€1,000 | ||
| Single Item Limit | $/€200 | ||
| Unreceipted Items Limit | Up to $/€300 | ||
| Unreceipted Single Item Limit | $/€50 | ||
| Golf Equipment Hire | $/€50 per day up to $/€250 | ||
| Non-Refundable Golfing Fees | $/€50 per day up to $/€250 | ||
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Under 18s Travel Insurance FAQs
At what age can children have their own travel insurance policy?
Children can have their own travel insurance policy from the age of 4 years. For younger children, such as those under 4, cover is usually provided by adding them to a parent or caregiver’s policy instead.
Are infants under 3 years covered on a parent’s policy?
Infants under 24 months (2 years) are covered on a parent’s policy and do not incur an additional premium. However, a 3-year-old child is added to the parent or caregiver’s policy with a premium applied.
What happens if the child’s parent or guardian needs to accompany them during a medical emergency?
If a child requires medical treatment while travelling, the policy can include cover for a parent or guardian to accompany them. This typically covers additional expenses such as accommodation and travel costs, ensuring the child is supported throughout their medical emergency.
Do expat children need separate travel insurance when visiting their home country or travelling abroad?
Expat children often need separate travel insurance when travelling, whether visiting their home country or elsewhere abroad. This is because their usual health or travel coverage may not apply outside their country of residence. Having a dedicated under 18s travel insurance policy ensures they are protected for medical emergencies, cancellations, and other risks during their trips.
Are lost or stolen belongings covered for under 18 travellers?
Yes, lost or stolen belongings are covered for under 18 travellers, subject to the limits of the policy. This can include personal items such as clothing, luggage, and essential travel documents, helping to replace what’s lost or stolen during the trip.
Can a child be covered if travelling alone or without a parent?
Yes, a child can be covered if travelling alone or without a parent, as long as they are over the airline’s limit for unaccompanied minors, which is usually five years old. The right under 18s travel insurance will ensure they will be protected throughout their journey.
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