Travel insurance cover for infants (children-under-2-years-old) and babies varies between insurers, and it's not always clear how. We review and compare whether a baby is insured, what happens if the baby falls ill, are pushchairs and car seats covered, what happens if the child is hospitalised? If you see a policy you like, click through to get a live quote and a price comparison against 30 other insurers.
A comparison of 9 policies from 6 leading UK travel insurers.
Policies from Aviva, Admiral, GetAway, Staysure, LV= and Post Office are compared on their cover for travelling with an infant under 2. Each assessment is based on the cover limits and a line-by-line review of the insurer’s full policy wording and IPID. Prompted retains the policy extracts that support each assessment, together with the relevant policy version, section and review date, so the evidence behind each finding can be traced back to the original insurer documentation. The policy wordings and IPIDs reviewed were those publicly available from insurers at the time of assessment. This review was conducted on 20 August 2026. Where a policy meets our criteria, we may provide a link to purchase through our partner Aequotech or link directly to the insurer. Policy wording can change, so always check the latest insurer documentation before purchasing, including any exclusions, conditions or limits that apply to your circumstances.
A baby is insured on the same terms as an adult, and there is no excess at all on treatment abroad if you use a health card. But only a serious illness lets you cancel, bottles and food are not covered, and hospital journeys, a room and someone flying out share one £1,000 for the whole family.
A baby is plainly covered on a family policy, and if the baby is in hospital one £4,000 covers your room, a person flying out, and someone sent to take any children home. But the policy excess is £150 on every claim, £150 is the most for any one item, and a pushchair nobody is watching is uninsured.
A baby goes on a family policy with no rule about who they travel with. But each person only gets £500 towards a cancelled trip and £300 for everything they packed, and one food pouch in the changing bag loses the whole belongings claim.
A pushchair is covered but a car seat is not, counted as car equipment. To cancel, the baby’s illness needs a face to face appointment plus prescription medicine or hospital treatment. To bring the baby home, someone can be flown out from the UK, in economy, with that person’s room paid but not their meals.
A pushchair is covered but a car seat is not, counted as car equipment. To cancel, the baby’s illness needs a face to face appointment plus prescription medicine or hospital treatment. To bring the baby home, someone can be flown out from the UK, in economy, with that person’s room paid but not their meals.
A baby is insured on the same terms as an adult, and there is no excess at all on treatment abroad if you use a health card. But only a serious illness lets you cancel, bottles and food are not covered, and hospital journeys, a room and someone flying out share one £1,000 for the whole family.
You only have to declare a condition a doctor has diagnosed, so routine baby check-ups and jabs do not count. You can claim up to £5,000 if a sudden illness stops the trip, but the pushchair and the cot need the belongings add-on.
Once you have bought the policy nothing about the baby’s health has to be reported, you can claim up to £5,000 if the baby is suddenly ill, and a room for a parent staying with them has no separate limit. The pushchair needs a paid add-on, and bottles are excluded.
Once you have bought the policy nothing about the baby’s health has to be reported, you can claim up to £10,000 if the baby is suddenly ill, and a room for a parent staying with them has no separate limit. The pushchair needs a paid add-on, and bottles are excluded.