Travel Insurance for Adult Child & Parent

Hi, my ex and I have taken our children away each year (together) since they were tots so generally just get a family insurance policy and ensure the insurer is happy with the situation. This year our youngest is 18 so we're finally having our own summer holidays. I have annual travel insurance now but need cover for 4 days in France for our 18 yo who is coming with me. My ex is then going to USA with her for 3 weeks immediately following our return. I'm then taking her to Spain for 4 days. I was going to take out an annual worldwide cover for her and a single trip worldwide policy for him, but does that cover each of them in the event that one of them can't travel to US or do they need a joint policy for that holiday? I tried to do a 'family' policy for them but as she's now 18 it has to be a 'friend group' and the cost seems very high compared to previous years. The medical side of things is fine, it's the non-medical bits that concern me. For example, if she fell ill, would his insurance cover him to stay with her. Or if something happened to me, would they both be able to cancel on the basis that I'm a close relative or would they only consider me to be her close relative and not his? I'm not too concerned with the EU trips being cancelled, but the US one is important.

Any advice appreciated.

Replies

  • hucksterhuckster Forumite
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    As they are now 18, they should take out their own annual multi trip worldwide including US. There might be Insurances that still include 18 year olds still in education living at home, as part of a family unit, so a family policy is still appropriate. Try the Post Office Travel Insurance, which I think used to allow this.

    it will be more expensive, where individual policies are required.

    Your post is one big block of words and quite confusing.

    Can you write each trip as a separate paragraph, where are they going, who is going, their age, do they live at the same address, are they going on other planned trips within a year.
    The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.
  • According to me if you give more details about places and other things it would be better and I think its more expensive for you if you buy individual policy.
  • mustoepmustoep Forumite
    16 Posts
    Thanks. Here's a summary of our planned trips. I have annual cover in place. Ex & daughter have no insurance yet:

    4 days in France, myself & child

    21 days in USA, dad & child

    4 days in Spain, myself & child

    thanks again
  • mustoepmustoep Forumite
    16 Posts
    Sorry, missed some info. Dad is 64. Daughter lives between both of us equally, but her official add for banks accts etc is mine.
  • zagfleszagfles Forumite
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    Is the 18 year old in full time education? There are loads of family policies that include children (as in offspring) over 18 in FTE. Google "family travel insurance full time education"
  • hucksterhuckster Forumite
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    Columbus Direct will include an 18 year old under a family policy and up to 22 if still in education. There will be other options if you google search.

    So I would say an annual policy for you and daughter. Your ex has to arrange their own Insurance.
    The comments I post are personal opinion. Always refer to official information sources before relying on internet forums. If you have a problem with any organisation, enter into their official complaints process at the earliest opportunity, as sometimes complaints have to be started within a certain time frame.
  • zagfleszagfles Forumite
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    Some family policies which cover offspring over 18 also cover them for trips without you. Check the terms.
  • mustoepmustoep Forumite
    16 Posts
    Thanks for all the advice. Appreciate it, it's given me some more options.
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