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.  

Coronavirus (COVID-19) update: please check the latest government travel advice that sets out what you need to do, if anything, before you travel abroad and before you return home. You should also check the latest travel advice and entry requirements for each country you visit or transit through. Travel rules can change at short notice, so check the Foreign, Commonwealth & Development Office (FCDO) for the latest information.

Josh Daniels
Travel Insurance expert
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.

Customers with more serious pre-existing medical conditions

If you have a serious health condition, the price you pay for travel insurance is likely to be more expensive. However, there are still many providers out there and you should be able to find affordable cover. Whatever happens, don’t be tempted to lie to an insurance provider, because if you do and then need to make a claim, it could be rejected.

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

MoneyHelper has 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 MoneyHelper or by calling them on 0800 138 7777.

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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