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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.  

Patrick Ikhena
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

Starting on 5 November, the Government has introduced a national lockdown for England that will last until at least 2 December. As part of this, the Foreign, Commonwealth and Development Office (FCDO) advise against all non-essential domestic and international travel.

If you choose to travel overseas to a destination while the FCDO has advised against non-essential travel, or domestically against the instructions of the UK Government, then your insurance policy will be invalid, and any claim will be rejected.

For those living in the UK but outside of England, the public health rules may differ, but you must abide by the restrictions imposed by your local authority.

We’ll continually review the situation, and update you with the latest FCDO or Government guidance on travel.

For more information, please see our coronavirus and travel insurance page.

Until then, stay safe.

Customers with more serious pre-existing medical conditions

When you declare medical conditions on our website, we will only show quotes from insurance providers who will cover for all declared medical conditions, with no exclusions.

The Money and Pension Service (MaPs) has also launched a directory of insurance providers, who 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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