Can I Buy Travel Insurance for Someone Else?

Buying Travel Insurance for Someone Else

Helping somebody arrange Travel Insurance can take some of the pressure out of planning a holiday, whether you’re supporting a parent, partner, relative or arranging cover for your child. Just Travel Cover can help you explore the options available and guide you through the quote process.

When Might You Arrange Travel Insurance for Somebody Else?

There are many reasons you might help someone arrange their Travel Insurance. They may prefer to go through the options together, need help gathering their medical information or simply appreciate having someone they trust involved.

Helping an older parent

You might be helping a parent gather their medical information, complete the quote or compare policies. Where possible, involve them in answering questions about their health to make sure the information you provide is accurate.

Arranging cover for a child with a disability

When arranging Travel Insurance for a child with a disability, it’s important to provide accurate information about any medical conditions, treatment or additional needs when asked during medical screening. Our guides to Travel Insurance for disabilities and Travel Insurance for autism and ADHD provide more condition-specific information.

Supporting a partner, relative or somebody you care for

You can help someone complete an online quote or support them during a telephone conversation with our team. Whether you’re helping with their travel details, medical screening or comparing policies, we’re happy to guide you through the process.

Information to Have Ready Before Getting a Quote

Having the traveller’s details to hand can make getting a quote easier, particularly if they have medical conditions to declare. It’s worth checking any information you’re unsure about rather than relying on memory.

Here’s what you’ll need to know:

• The traveller’s full name, date of birth, address and contact details
• Holiday dates, destinations and the total non-refundable cost per person
• The names and ages of everybody who will be insured
• The exact names of diagnosed medical conditions
• A current list of prescribed medication and any recent changes
• Details of recent treatment, hospital stays, surgery or specialist appointments
• Any tests, referrals or investigations they’re waiting for
• Any medical equipment, mobility aids or assistance needed while travelling

Helping Someone Else with Medical Screening

If the traveller has pre-existing medical conditions, they’ll need to be declared when asked during medical screening. The questions will depend on their medical history and may cover when a condition was diagnosed, medication, recent treatment and how their health affects daily activities.
We’ll use their answers alongside their holiday details to show the Travel Insurance options available from our panel of insurers. Find out more about Travel Insurance for pre-existing medical conditions.
A repeat prescription, hospital letter or medication list can help you check the details needed. If you’re unsure about an answer, check with the traveller or their medical team rather than guessing. Our team can also help explain the screening questions and guide you through the quote process.

Declaring More Than One Medical Condition

If a traveller has more than one medical condition, make sure you declare each condition when asked during screening. This may include related conditions or previous procedures. For example, someone who has had a heart attack may also need to provide information about high blood pressure, angina or an angioplasty.

Having several medical conditions doesn’t necessarily mean Travel Insurance will be unavailable. We’ll use the information provided to show you the policies available from our panel based on the traveller’s medical history and holiday plans.

Helping Someone Else with Medical Screening

If the traveller has pre-existing medical conditions, they’ll need to be declared when asked during medical screening. The questions will depend on their medical history and may cover when a condition was diagnosed, medication, recent treatment and how their health affects daily activities.
We’ll use their answers alongside their holiday details to show the Travel Insurance options available from our panel of insurers. Find out more about Travel Insurance for pre-existing medical conditions.
A repeat prescription, hospital letter or medication list can help you check the details needed. If you’re unsure about an answer, check with the traveller or their medical team rather than guessing. Our team can also help explain the screening questions and guide you through the quote process.

Declaring More Than One Medical Condition

If a traveller has more than one medical condition, make sure you declare each condition when asked during screening. This may include related conditions or previous procedures. For example, someone who has had a heart attack may also need to provide information about high blood pressure, angina or an angioplasty.

Having several medical conditions doesn’t necessarily mean Travel Insurance will be unavailable. We’ll use the information provided to show you the policies available from our panel based on the traveller’s medical history and holiday plans.

Travelling together? Consider Family Travel Insurance

If you are taking the same holiday, a Family Travel Insurance policy may allow eligible family members to be covered together. Just Travel Cover currently compares family options for up to two adults and up to eight children under 18, although eligibility and rules about travelling separately vary by insurer.
Every insured person’s medical conditions must still be declared. Keeping the travelling party on one policy can also make it clearer whose circumstances are covered if one person’s illness means the whole family has to cancel or cut the holiday short. Read policy wording carefully rather than assuming one person’s condition automatically protects everybody’s booking.

A family policy may be worth considering when:

• A parent or guardian is travelling with a child or multiple children
• The family has paid for one shared booking and wants cancellation cover considered together
• More than one family member has medical information to declare
• You want one set of policy documents and emergency contact details

If the people travelling don’t meet the insurer’s definition of a family, you can also explore Couple or Group Travel Insurance, or look into separate policies. Compare the options available to you to find the right policy, including how cancellation and curtailment cover applies to each traveller.

How to Arrange Travel Insurance for Someone Else

1. Gather the traveller’s information
Confirm the trip details, medical history and who will be named on the policy.
2.Complete the quote together where possible
Enter the details accurately and stop to check anything that is unclear.
3. Compare the policies shown
Look at medical and cancellation limits, excesses, exclusions and any specialist benefits needed for the holiday.
4. Check the documents with the traveller
Make sure names, dates, destinations and declared conditions are correct, and that everybody knows how to contact the emergency-assistance team.

Before Paying, Check the Cover Suits the Person and the Holiday

The most expensive policy is not automatically the most suitable, and the cheapest may leave an important gap. Compare:

• Whether every declared medical condition is covered
• Emergency medical treatment and repatriation limits
• Cancellation cover against the non-refundable cost per person
• Excesses and whether they apply per traveller or per claim section
• Cover for medical equipment, mobility aids or medication
• Cruise, activity or other specialist benefits required for the trip
• The maximum trip length and geographical area

Check the policy wording and Insurance Product Information Document before buying. If the traveller’s health changes after purchasing the policy, let us know before their next trip so we can explain what this means for their cover.

Things to Check When Arranging Cover for Someone Else

A few additional checks can help make sure the policy details are accurate and the traveller understands the cover being arranged:

• Check medical information with the traveller rather than relying on memory
• Declare relevant conditions when asked, even if they’re well controlled
• Use the confirmed diagnosis where possible
• Include medical conditions for everyone who needs cover
• Compare the benefits and limits alongside the price
• Check who will be named as the policyholder and receive the documents

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