Travel Insurance for Under 18: Smart Travel Starts with Smart Policy

When your child is taking part in a journey independently, it becomes imperative to establish comprehensive travel insurance coverage tailored for children. This not only provides you with peace of mind but also ensures essential protection for your child throughout their travels. In the following sections, Travelner Insurance will elucidate the workings of travel insurance for under 18, elucidating key details that are crucial for securing the necessary coverage.

Travelner Insurance provides a comprehensive guide on travel insurance for children under 18

1. What Is Travel Insurance for Under 18?

Travel insurance for under 18 provides financial protection against unforeseen events that can occur while they're traveling abroad. These unexpected events can range from minor inconveniences to significant problems like medical emergencies or trip cancellations that impact your child when they embark on the trip.
Moreover, travel insurance for under 18 is also regarded as similar to regular travel insurance for adults but has some specific benefits for the young age.

>>> Read more: Travel insurance for under 18s: Keeping your young explorers safe

2. What Type of Travel Insurance for Under 18 Do You Need for Your Kids? 

Imagine the peace of mind when your existing family or annual travel insurance covers your child when traveling with you. Yet, the scenario changes when your young explorer sets off on a school trip or joins friends for an adventure. 
Therefore, you should consider Travelner Insurance guide your compass, steering you towards choices that safeguard your child's adventures with precision and care. After all, every journey should be a tale of exploration, not uncertainty.

>> Read more: Can you get travel insurance under 18

2.1. Types of Travel Insurance:

a. Family or Annual Travel Insurance:

If you have an existing family or annual travel insurance policy, it might cover your child when traveling with you. However, if your child is traveling without you, such as on a school trip or with friends, you’ll need to check whether your current policy covers them.

b. Group Policies:

These cover people traveling together who may or may not be related. For example, if your child is holidaying with grandparents, there might be an option for the grandparents to add them to their annual policies.

c. Single-Trip Travel Insurance:

This covers a single, specific trip, ideal for shorter vacations or study abroad programs of limited duration.

d. Multi-Trip Travel Insurance:

This covers multiple trips within a set period (usually a year), offering flexibility for frequent travelers or those participating in exchange programs with multiple travel segments.

e. Long-Term Travel Insurance:

This is specifically designed for extended travel periods (typically over 30 days), catering to students participating in semester-long or year-long programs abroad.

Family policies may cover children traveling with you, while group policies cover people traveling together. 

2.2. Factors to Consider for Under 18 Policy:

a. Family vs. Individual Coverage:

Many family travel insurance policies automatically cover children under 18 traveling with their parents or guardians. However, if your child is traveling alone or with non-parents/ guardians, they will need individual travel insurance.

b. Pre-existing Medical Conditions:

It's crucial to disclose any pre-existing medical conditions your child has when purchasing travel insurance. Because some policies might exclude coverage for complications arising from pre-existing conditions, or charge higher premiums.

c. Activities and Sports:

At this point, certain travel insurance policies exclude coverage for specific activities or sports considered particularly risky. Therefore, when choosing a plan for your kid, you should ensure the chosen policy covers any activities your child plans to participate in during the trip.

d. Study Abroad/ Exchange Program/ School Trip:

When considering travel insurance for under-18 individuals participating in longer-term activities like study abroad programs, exchange programs, or school trips, it's essential for you to take additional factors into account:

e. Program Duration:

Standard travel insurance policies often have a maximum duration of coverage, typically around 30 to 90 days. 
Therefore, for longer programs, your child might need specialized long-term travel insurance or specific student insurance offered by the program provider.

d. Destination Coverage:

Moreover, when choosing the right policy for your kid, you also need to ensure the chosen travel insurance policy covers the entire duration of the program and the specific countries involved.
Because different regions may have varying healthcare costs and potential risks, so a well-rounded insurance plan should account for these factors.

When choosing travel insurance for under-18s participating in study abroad programs, consider the program duration and destination coverage. 

3. Why Does Your Child Need Travel Insurance for Under 18 Year Olds?

If your child is traveling without a parent, they will need travel insurance for a myriad of reasons to ensure their safety, well-being, and peace of mind throughout their journey. Travel insurance acts as a protective shield, offering financial coverage and assistance for your child in unforeseen circumstances, ranging from medical emergencies to trip cancellations.

3.1. Medical Emergencies:

Travel insurance can cover medical emergencies or hospital visits during the trip. If your child becomes ill or injured prior to or during your vacation, travel insurance may cover cancellation or interruption of your trip.

3.2. Travel Cancellations or Delays:

Travel insurance can cover the costs associated with travel cancellations or delays. This can be particularly useful in the event of unforeseen circumstances such as severe weather conditions or flight cancellations.

Travel insurance is crucial for children under 18 years old traveling without a parent.

4. Tips for Buying Children’s Travel Insurance:

Ensuring your child's safety and well-being during travel is of utmost importance. In cases where your child is not included in your family insurance policy or covered by the school’s insurance, it becomes crucial to secure a dedicated travel insurance plan for them.

4.1. Individual Coverage Assessment:

Begin by thoroughly reviewing your existing family insurance policy and the school's coverage. If your child is not adequately covered under these plans, it's time to explore dedicated options.

4.2. Tailored Protection:

Seek out insurance plans specifically designed for children's travel needs. These policies often consider the unique requirements and potential risks associated with younger travelers, providing comprehensive coverage for medical emergencies, trip cancellations, or lost belongings.

4.3. Coverage Inclusions:

Prioritize policies that cover a wide range of scenarios. Look for coverage not just in medical emergencies, but also for unexpected events such as trip interruptions, cancellations, or lost luggage. This ensures your child is protected in various situations that may arise during the journey.

4.4. Medical Coverage Abroad:

Verify that the chosen insurance provides sufficient medical coverage, especially if you're traveling internationally. It should cover medical expenses, emergency evacuation, and repatriation, giving you peace of mind knowing your child has access to necessary healthcare.

>>> Read more: Have A Happy Trip with Baby Travel Insurance

5. Best Policies from Travelner Insurance for Those Under 18

Finding the most suitable policy for travelers under 18 is now easier than ever with Travelner Insurance. You just need to access 4 simple steps to get the plan that best fits your demands on our platform:
Step 1: Provide details about the trip, whether it's for yourself or your children;
Step 2: Compare and select the policy that best suits your needs or those of your children;
Step 3: Furnish the necessary personal information;
Step 4: Obtain the ideal travel insurance customized for travelers under 18 years old.
Let's explore a variety of options tailored to meet the specific needs of individuals in this age group with Travelner Insurance and get a quote for under 18s policy now!

5.1. Basic Policy for Young Adult Under 18:

Individuals aged 14 days and above are eligible for coverage under the Patriot Lite Travel Medical InsuranceSM policy. The period of coverage ranges from 5 days to 12 months, offering flexibility for short-term and extended travel needs. 

This plan caters to under-18 travelers, individuals, families, and groups, providing diverse levels of coverage.

5.2. Policy for Exchange Program:

In order to approach this insurance coverage, individuals must be from 31 days and above. The period of coverage spans from 1 month to 12 months, with the option for renewal for up to 48 months.

To qualify, individuals must be active participants in a study or exchange program, such as those holding a student visa, exchange visa, or visitor visa. In essence, this insurance provides medical coverage for students studying abroad or individuals participating in cultural exchange programs. 

Most plan options are specifically tailored to meet the travel insurance requirements for the U.S. J1 and J2 visas.

6. Is Your Child Covered By Travel Insurance For Under 18 Travelling With Another Family?

When you arrange a joint excursion with your child and another family, it is imperative to recognize that the travel insurance of the accompanying party may not cover your child.

In order to guarantee a thorough scope of protection and ensure tranquility throughout the journey, it is advisable to procure distinct travel insurance explicitly for your child. Acquiring individualized travel insurance for your child ensures that they benefit from comprehensive protection tailored to their distinct needs and circumstances, fostering a sense of security throughout the travel experience.

Conclusion

Travelner Insurance simplifies the process of finding the best policy for travelers under 18, offering a user-friendly platform that allows you to compare and select the most suitable plan in just four simple steps. Our policies exemplify Travelner Insurance's commitment to providing flexible and diverse coverage options for under-18 travelers, ensuring that every journey remains a tale of exploration, not uncertainty.