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ChildShield
Is ChildShield worth it?
ChildShield, from MetLife, is here to protect your children from birth, right up to the age of 22. It’s a standalone product that can complement existing policies or be taken out on its own. And because it’s unique, it can provide protection no other policy can.
Whether it’s in the home or garden, in the park, whilst out and about, or playing sport - it’s just part of life. And while we hate the thought of illnesses affecting our children, the truth is these can occur at any time, too.
What does ChildShield Cover?
Below, you can see the accidents and illnesses that ChildShield can protect your children for. What’s more, there’s no limit on the number of children covered or claims you can make under the same, single policy.
Choose from two levels of cover:
ChildShield Standard - £6 per month
ChildShield Plus - £11 per month
The coverage is the same, except ChildShield Plus pays double the benefit, at less than twice the cost.
Facts correct as of 07/10/2025
Plan for the unexpected
None of us like to think about our children being ill, needing emotional support or having accidents at any age. But it’s important we plan for those unexpected moments.
Boost your family’s wellbeing
ChildShield doesn’t just provide 24/7 protection for those unexpected moments, but also gives you and your children access to MetLife's Wellbeing Support Centre provided by Health Assured, the UK and Ireland’s largest wellbeing support provider. Benefit from counsellors with ‘in the moment’ support, legal advisers, and nurses – all of whom can help navigate and support with life’s challenges. This too is available all year round, 24 hours a day.
Enjoy virtual GP access
You and your family will also get access to MetLife's virtual GP appointment service, GP24, provided by HealthHero. GP24 allows you to book an appointment with registered GPs 24 hours a day, every day of the year, anywhere in the world, for no extra cost.
"Insurance that pays if my child is in hospital"
Cover My Bubble & ChildShield
ChildShield is only available through your insurance adviser, and Cover My Bubble are very proud to be one of first TEN advisers in the UK to be currently offering this product.
We can answer any questions you have and get you started as quickly as possible. Book a ChildShield Quick Chat using the blue BOOK A CALL buttons on this page.
ChildShield has been designed to provide valuable protection for your children if they have an accident or illness, and peace of mind for you. That’s why there is no medical underwriting required. Applying for cover is straightforward, and most policies will be active immediately, including access to the additional services including the Wellbeing Hub and GP24.
MetLife UK, pride themselves on how quickly they pay out to customers. They typically pay valid claims within five working days, leaving you to focus on looking after your children.
'Every claim matters, every time'
Download ChildShield Brochure
Download ChildShield T&C's
FAQ's
What happens if my child breaks a bone?
If your child has an accident that results in a broken bone, ChildShield is designed to help. Depending on the level of cover you choose, the policy pays out a tax-free lump sum for a wide range of fractures. This money is yours to use however you need—whether it’s for specialized equipment, extra childcare, or just making life a bit more comfortable while they recover.
What happens if my child is hospitalised?
We know how stressful (and expensive) a hospital stay can be. With ChildShield, if your child is admitted to a UK hospital due to an accident or a covered illness, you’ll receive a payment for every night they spend there (after a minimum stay). This helps take the sting out of costs like hospital parking, travel, or taking time off work to stay by their side.
How many times can I claim?
One of the best things about ChildShield is that it isn't a "one-and-done" policy. You can claim multiple times for different accidents or illnesses. As long as your policy is active, the protection stays in place for your children, providing a safety net that lasts throughout their childhood.
Can I cover all my children in one plan?
Yes! We’ve made it simple for busy families. You can protect all your children under one single policy and one monthly payment. It’s a great way to ensure every child in your bubble has the same high level of protection without you having to manage multiple plans.
