Does family travel insurance still cover us after separation?

If your family no longer lives under the same roof, your family travel insurance policy might not be valid. We take a look at whether family travel insurance still covers you after a separation.  

If your family no longer lives under the same roof, your family travel insurance policy might not be valid. We take a look at whether family travel insurance still covers you after a separation.  

Josh Daniels
From the Travel team
3
minute read
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Posted 29 JANUARY 2020

Does family travel insurance still cover a family after they’ve separated?

Whether or not your family travel insurance still covers you after a separation will depend on the terms set out in your travel policy. If your family has separated, you should know that:

  • Travel insurance won’t pay out if you’re a couple who have split up and you no longer want to go on a trip
  • If you’ve separated or divorced and a travel policy’s in your name, any children that no longer live with you might not be covered for future holidays
  • Step-children, if they don’t live with you permanently, may also not be covered

Each travel policy is different and it’s worth doing a full comparison to find the one that suits your specific needs. There are policies aimed specifically at single-parent families. It’s also worth being aware that some providers set a minimum time period a couple needs to live together (typically around six months) before they can get cover.

CORONAVIRUS UPDATE 

International travel is not currently permitted before 17 May 2021 at the earliest (date subject to further confirmation from the government). For single trip and long-stay trips, you won’t be able to get a travel insurance quote if you’re travelling before this date. 

You’re still able to purchase annual multi-trip policies. But if you choose to travel against the Foreign, Commonwealth & Development Office (FCDO) advice and current restrictions, you won’t be covered for your trip. 

While the majority of travel insurance providers don’t offer cover if you’re travelling for essential purposes before 17 May 2021, some are now able to offer cover. If you have any queries, you should check the policy wording or contact your chosen provider before you buy. 

Different rules may apply in England, Scotland, Wales and Northern Ireland and it’s important that you follow all the rules that apply to you. 

For travel advice on your destination, check the FCDO for the latest information. 

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

How do I know if my separation affects my family travel insurance?

Before you travel, check the terms and conditions of your policy carefully. If you’re concerned that your children, or you, may not be covered, contact your insurance provider.

Once you’ve explained the situation, they’ll be able to amend your policy or offer advice on what to do next. You may need to cancel your policy and purchase a new one which reflects your change in circumstances.

What should I look for in a family travel insurance policy?

When you’re looking at what travel insurance policy to buy for you and your family, it’s always worth considering:

  • Medical expenses – to cover you for any treatment, or the cost of getting you back home afterwards.
  • Cancellation and curtailment – in case you have to cancel or cut your holiday short.
  • Missed departures and delays – if you miss your flight for reasons out of your control or there are flight delays.
  • Lost or stolen luggage – to help you recoup any losses if your luggage is lost, stolen or damaged.

You’ll also need to decide between a single trip policy (valid for one holiday) or an annual policy that covers you for the whole year. If you travel a lot, then you may find an annual policy is more cost effective.

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