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Does family travel insurance still cover us after separation?

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.  

Patrick Ikhena
From the Travel team
3
minute read
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

We are temporarily suspending our travel insurance comparison service.

On 4 April 2020, the Foreign and Commonwealth Office (FCO) advised against all non-essential international travel for an indefinite period.

If you choose to travel overseas to a destination while the FCO 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 likely to be rejected. Therefore, until we have complete confidence we can get you a policy to meet your needs, we have taken the decision to temporarily suspend our travel insurance comparison service.

We will continually review the situation, and resume our service in the future, in accordance with the latest FCO or UK Government restrictions on travel.

Until then, stay safe.

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

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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