Parents want their kids to be safe when they travel, and will usually accompany them on their trips across the seas. However, they’re not always going to be able to travel like this. Many mums and dads need to know: what’s the process of insuring a child who travels on their own?

Insuring minors for their trip

When it comes to taking out a travel insurance policy for your child, there are a few different options:

  • If the child is over 18, you will likely be able to find an insurer that can cover them as an adult.
  • If they’re under 18 and travelling by themselves, you will still need to cover them with an adult policy.
  • If they’re under 18 and you or another adult is accompanying them, they are likely to be covered under your (or the other adult’s) insurance policy.

So, one way or another, they’re going to be covered under an adult policy. The only real difference is if you’re travelling with multiple kids. In that situation, multiple children under the age of 18 can be covered under the one policy.

Are there any differences between children’s and adult’s travel insurance?

Not really. Since they’re being insured by an adult policy, you can expect them to be covered to the same extent as you are when you travel. For full details on their coverage, read through their product disclosure statement before taking out a policy, or speak directly to the insurer.

Are there any restrictions on children flying alone?

Absolutely! Airlines have different rules for kids travelling unaccompanied, but those rules remain consistent across different carriers.1

  • Children have to travel with identification (e.g. a passport, birth certificate).
  • Many airlines consider children aged between 5 and 12 fit to travel alone. Anyone older than that is typically considered ‘an adult’ passenger.
  • Airlines will have different requirements for booking an unaccompanied minor. For example, you’ll need to outline who’s picking up your child from the airport. Legally, the airline won’t be able to hand over the child to anyone besides the documented person, so make sure they travel with ID.
  • There may be restrictions on how many unaccompanied minors are allowed to book flights on their own, due to the logistics of looking after them throughout the journey.
  • You cannot book your child on a flight with an overnight stopover.
  • Your child won’t be allowed to fly if they require medication, but cannot self-administer that medication.

As mentioned, however, children over the age of 12 can usually book as an adult, and travel under the same guidelines and restrictions that the rest of us must adhere to.

Don’t worry, you can find more travel tips for getting the best cover for your situation.