What's covered
Customise your policy
We offer travel insurance within the UK, Europe and Worldwide, and 3 trip types: Single Trip, Annual Multi Trip or Backpacker so you only pay for the level of cover you need. Essential Travel also offers cover for over 100 sports as standard. Low-risk Sports Grade 1 activities are covered on our cheap travel insurance policy - Standard Essential - at no extra cost, while higher risk Sports Grade activities require extra cover.
Experts' Top Tip - If you are planning an adventurous holiday, opt to top up with extra sports, winter sports or cruise cover for your more luxurious holidays.
Under 18 travel insurance benefits include:
- Medical Expenses cover ranging from £2.5 million to £10 million
- Hospital Benefit cover ranging from £300 to £1,200 per day
- Personal Accident cover ranging from £7,500 to £30,000
Under 18s Medical Conditions Cover
Medical cover for certain conditions is covered at no extra cost. To find out whether your child's condition is included in this policy simply complete our medical screening process on the booking page. You only need to answer a few simple questions on your child's condition. If your child's condition is not one of the conditions covered free of charge, we will refer you to our specialist Medical Travel Insurance partner, Latitude, for comprehensive medical condition cover. For more information please visit our Medical Conditions page.
Do you need to declare a medical condition?
If the child you are insuring has a pre-existing medical condition it’s vital that you declare it or you could invalidate the entire policy. You may be surprised to find out that many common medical conditions such as allergies can be added without any additional cost. What’s more, you have the option to declare a condition but then exclude it from the policy. What this means is that you’ve told us about the condition but decided not to cover it, so your child will be covered medically for anything unrelated to that condition.
Do you need extra sports or specialist cover?
A decent policy will include cover for many sporty or adventure activities as standard. However the more adventurous or dangerous the activity, like winter sports, the more likely it is that you will need to purchase additional sports insurance. You can customise your policy further a number of other specialist add-ons.
Ensuring that young adults are covered
Our cover specifies that:
- Teenagers under the age of 18, under 17 and under 16 are accompanied by a responsible adult on Annual policies
- Pre-existing conditions are declared during the quotation process
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