Parent Carer Ideas for Holiday Insurance Companies

Finding travel insurance when your child has complex medical needs can be difficult and time-consuming. However, if you are travelling abroad, having appropriate travel insurance is essential and can provide important protection should something go wrong during your trip.

While WellChild cannot recommend any specific insurance provider, we can help you start your search by sharing a list of companies that parent carers in our WellChild Family Tree community have told us they have used previously.

Please be aware that WellChild is not affiliated with, nor do we endorse, any of the companies listed below. It is essential that you carry out your own due diligence to ensure that any policy meets your individual needs and provides adequate cover.

Companies that other parent carer have told us they have used previously:

• Staysure
• AllClear
• Good to Go
• Just Travel Cover
• MakeSure
• Aviva
• Freedom Travel Insurance
• Fish Insurance
• Marks and Spencer’s
• Travel insurance offered through your bank

Suggestions for carrying out due diligence on these companies

Talk to other parent carers

It can be a good idea to ask other parent carers what their experiences have been. This may vary depending on the destination they went to and their child’s condition.

It can also be helpful to ask parent carers in similar situations how they describe their child’s condition to insurance companies. Their experience may help you present your child’s information clearly and ensure insurers have the information they need to assess your application accurately.

A great place to do this is WellChild’s parent carer support group, the WellChild Family Tree.

Another useful forum to use is the Accessible Holidays and Day Trips Facebook Group.

Compare policies

Shop around carefully for travel insurance to find the best option for you. Ensure that they offer the same level of cover, have good reviews, and that you have declared all medical information accurately.

Read the fine print

Carefully check the policy wording to ensure it covers your child’s medical needs, specialist equipment, and your planned activities and destinations.

Call up each company

Speak directly to insurance companies rather than relying on online forms. This is important for clarifying your child’s complex needs. Allow plenty of time for calls as this process can be lengthy.

Declare all medical conditions

It is essential that you ensure you declare all medical conditions when taking out travel insurance. If something isn’t declared it could affect a claim later on.

View our Making Holidays Possible Guide

Our full guide, packed with practical advice, tips and checklists for travelling with a child who has complex medical needs, is available here.

The companies listed on this page have been suggested by members of the WellChild Family Tree community. Inclusion on this list does not constitute a recommendation or endorsement by WellChild. Insurance providers, eligibility criteria and policy terms can change over time, so always check the latest information directly with the provider.

If you have any comments, ideas, or suggestions about this article please contact us at [email protected]

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