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

30 Posts

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
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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.
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.
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.
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.
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.