When they no longer qualify: at 25, or earlier if they marry or no longer depend on you, or at 21 if they aren’t in full-time study. It can’t be converted; your child would need to apply for their own coverage, with health questions.
Child Life & Accident Insurance
When does a child’s coverage end?
Reviewed by Garrett Agencies Ltd., October 2026. How we write
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More about Child Life & Accident Insurance
Basic life and accident coverage for your children.
More questions about Child Life & Accident Insurance
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