Travel Insurance to US for family of 6, THE COST.

2pints

Going to the USof A at the end of May and getting insurance quotes through the usual compare sites and the prices have went not only through the roof but have left Earths atmosphere. Family of 6 and only 1 child under 18.  Looked at our bank (Halifax) about upgrading the account for £17 per month but won't cover 2 of the adult kids as one is between jobs and other is working.

Is it best to go for a family of 3 and then a group of 3 or does anyone have any other recommendations?

Thanks

TELLIT01

You refer to a family of six, with one under 18, and then say the policy won't cover 2 adult kids.  What is the status of the other over 18?  I would assume the over 18s would take out individual policies.

onashoestring

It all depends what scenario you want cover for ? 

Most types of Travel insurance policies will usually cover healthcare costs and lost baggage ( check T&Cs) up to certain limits. 

A group policy should cover this and may also cover cancellation costs for all of you if one member of the group is unable to travel due to illness.

However , with separate policies,   if one member of the group  is unable to travel due to illness - usually only that individual and any one on the same policy would be covered for cancellation of the holiday .

Anyone on another policy would be expected to go ahead with the holiday or if they choose to cancel would not be able to claim on their insurance. 

DullGreyGuy

onashoestring said:

However , with separate policies,   if one member of the group  is unable to travel due to illness - usually only that individual and any one on the same policy would be covered for cancellation of the holiday .

No, its normal for travel insurance policies to include cancellation due to a travelling companion cancelling for at least sickness/injury and some will cover other reasons too.

The problem with separate policies is that you cannot declare medical conditions of people not covered by your policy and so if your travelling companion has a heart condition you cannot declare it and so were they to become ill because of that its a pre-existing condition and not covered. 

One of the challenges of group policies is getting all your family's medical conditions to declare them... some people may not want to tell their father/uncle etc that they've had 3 cases of the clap in the last couple of years. This could therefore void the policy were it discovered. 

sheramber

Staysure consider a family as  

 2 adults plus all dependent children under 18 (or under the age of 21 if in full-time education) residing at the same address and in full time education.

To be on one policy you would need a group policy.

As explained if you have separate policies then caver only applies to those named on the policy.

Some policies do cover you ffor  cancellation if a  travelling companion is unable to travel but you would need to red the policy document carefully to ensure it had that cover.

2pints

Cheers guys, going to be about £300 for the 6 of us.

Mands

2pints said:

Cheers guys, going to be about £300 for the 6 of us.

Wait, is £300 a new quote or the initial one?

Because £300 for 5 adults + 1 child to the USA for a couple of weeks seems pretty reasonable to me. Not expensive and, sure as hell not "not only through the roof but have left Earths atmosphere". 

Robin9

I was expecting you to say £300 each

2pints

Mands said:

2pints said:

Cheers guys, going to be about £300 for the 6 of us.

Wait, is £300 a new quote or the initial one?

Because £300 for 5 adults + 1 child to the USA for a couple of weeks seems pretty reasonable to me. Not expensive and, sure as hell not "not only through the roof but have left Earths atmosphere". 

Was going through a few comparison sites and originally was more than double that, compare the market wouldn't even give a quote, but Tesco seems to be amongst the well known of the lower price ones.