A simples guide

Does family travel insurance still cover us after separation?

When your family splits, it’s hard. So an opportunity to take the kids away to recharge and have some fun isn’t to be missed. But is your current family travel insurance policy still valid even though you’re no longer all living together? Here’s what you need to know.

What is family travel insurance?

Families come in all shapes and sizes – we know this and insurers have tried their best to cover the most ‘usual’ set ups with the various family policies that you can get. Single parents with children and a couple with a child can find policies specifically for their family combination in mind.

Policies will differ so you do need to read the small print but as a general rule a typical family insurance policy will cover two adults living at the same address who are in a relationship (married, engaged or in a relationship. Some policies state that the partner must have lived at the address for a minimum of six months) and up to eight children. The children need to be aged 18 or under and more importantly – they need to live with the policy holder permanently. If you’re separated or divorced and the travel policy is in your name but your children don’t live with you all the time – your kids might not be covered.

It seems harsh, but some travel insurance providers won’t cover children if they don’t live with the policy holder full time. The same goes for step children, if you have a family travel insurance policy, some of the insurers that don't automatically cover step-children may allow you to name them on your policy, sometimes at an extra premium.

You should also check what your insurance says about children travelling with family, friends or unaccompanied. Most family policies may not be valid for this sort of travel. Don’t make the assumption that because your kids are named in your travel insurance policy, that they’re automatically covered for any holidays without you.

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

The first thing to check before you travel are the terms and conditions of your policy. If you discover that you or your children aren’t covered or if you’re not sure, then contact your insurance provider. Once you’ve explained the situation, they’ll be able to amend the policy or offer advice about what to do next. You may need to cancel the policy and have another issued that reflects your change in circumstances.

Does family travel insurance still cover us after separation?

What should I look for in a travel insurance policy?

Firstly, you’ll need to decide what’s best – 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 more cost effective. Areas that you should always consider when you start looking at what policy to buy include:

  • Medical expenses – it’s a good idea to be covered for any emergency medical treatment, hospital stays and the cost of getting you back home.
  • Cancellation and curtailment – this covers you if you have to cancel or cut short your holiday. If you have travel insurances the cover will start as soon as you book your holiday.
  • Missed departures and delays – this will compensate you if you miss your flight for reasons out of your control and also if there are flight delays.
  • Luggage – you should always make sure that your insurance covers you adequately, travelling with children rarely means you pack light so make sure you get to recoup your losses if your luggage is lost, stolen or damaged.

Policies will differ over the amounts they’ll cover you for so always make sure that you’ve got sufficient cover for your needs. If you’re planning on any particular activities such as skiing or snowboarding, then make sure your travel insurance also includes winter sports cover as standard policies won’t cover you. The same goes for summer sporting activities such as kayaking, trekking and rock climbing – you’ll need your policy to specifically cover you for these.

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Don’t worry if you’ve suddenly realised that you don’t have valid travel insurance – that’s why we’re here. Just say what you need and we’ll do the searching for you – we’re one of the UK’s largest comparison sites, so there’s no need to look anywhere else, start comparing the market today.

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