Free Trip - What level of travel insurance needed?

BlueJay

Hi folks,

Mr & Mrs X have organised an overseas trip to South Africa, which they have paid for, including their daughter and her husband.

What level of insurance does the daughter and her husband need if they have not actually paid any money for the trip?
Obviously they would need basic insurance of some description, like baggage loss, passport, medical etc, but as they have not paid for their flights or accomodation, how will this be insured?

Would her parents have to have the main insurance as they are the ones who have actually paid out the money?

Any advice gratefully received!

BlueJay

martindow

I can't see why a normal policy is not suitable. If something happens like a broken leg that means you can not travel as planned you would need to claim for more days in a hotel or a different flight back. The flights and accommodation may be paid for but the insurance is still needed in case an accident or emergency forces you to change plans.

HXDave

everybody still needs to be covered for cancellation, as even if your daugter & hubby cancel for an insurable reason, if they have no cancellation cover then you will forfeit cancellation charges.

IMHO, i would always reccommend thta everyone travelling on the same booked holiday also have the same insurance company, where possible. take this scenario:

you have travel insurance with company A, your daughter has insurance with company B. You have to cancel your holiday due to medical problems, and your insurance company will pay for the 2 people who are covered under your policy (ie you and the wife). your daughters insurance company may then decide that there is no valid claim against their policy, as nobody on policy B is ill, and therefore no need to cancel, therefore will not pay out.

The above is just an example, and you may find policies that will cover differently, however in this day and age where insurance will use any reason to avoid paying out, i always think it's best to be safe - thus making sure (if possible) everyone is on either the same policy, or at least with the same company and both policies linked.

Have a great trip.