Family plans differ in how they count children (some include children with an adult, others charge per person), the age at which a child counts as an adult, and whether cover applies when a child travels without you. Check those three things, then the usual limits.
What to check
- How children are counted: included with an adult, or priced per person.
- The age limit for a child, and for a dependent student.
- Whether cover applies when children travel without the policyholder.
- Medical and evacuation limits per person, not only per policy.
- Cancellation reasons that include illness of a family member.
- Baggage limits for children’s things, such as buggies and car seats.
Read the policy wording before you buy: what’s covered, the limits, the excess and the exclusions.
Planning the trip
Pick the travel plans the whole family trip in one sentence (the trains that run that day, who flies it nonstop, and a hotel for a family from Pick the hotel), then hands the trip to this site with your dates and travellers filled in.
Each insurer’s own page for this
VisitorsCoverage and SafetyWing have no page for this.
We earn a commission if you buy after following these links. It never changes what this page says, and we don’t give advice. Who each insurer is.
Questions
Are children covered free on family travel insurance?
Some plans include children travelling with an adult; others price each person. The insurer’s page says which.
Up to what age is a child covered on a family policy?
It varies by plan. Check the age limit in the policy wording.
Does a family policy cover a child travelling alone?
Not always. Some plans only cover children when they travel with the policyholder.
Keep reading
Updated 2026-10-24.