Insurance when traveling with 80+ and a family

El_Turnip

Hi, we're traveling to Australia to visit family in the summer with our family of 4 plus the mother in law who will turn 83 while we are away. 

I could do with advice on whether we need to buy a joint insurance policy for all  of us or whether we can buy separate family insurance for the 4 of us and the mother in law.

I've seen that it's likely to be cheaper to buy separately but would that cover all of us if something happens, for example, to the mother in law, because if she couldn't travel, none of us are likely to.

There have been a few threads about over 80 insurance but I've not seen one that covers this question.

cardriver98

choose a company, and phone them . over 80 could be EXPENSIVE !

400ixl

A group policy would give you the most coverage, especially if one individual means others would not travel. It will be more expensive though.

DullGreyGuy

El_Turnip said:

Hi, we're traveling to Australia to visit family in the summer with our family of 4 plus the mother in law who will turn 83 while we are away. 

I could do with advice on whether we need to buy a joint insurance policy for all  of us or whether we can buy separate family insurance for the 4 of us and the mother in law.

I've seen that it's likely to be cheaper to buy separately but would that cover all of us if something happens, for example, to the mother in law, because if she couldn't travel, none of us are likely to.

There have been a few threads about over 80 insurance but I've not seen one that covers this question.

The issue is that you typically cannot declare medical conditions for people not covered directly by your policy. 

So if you go down the separate policy route and she trips and falls before the trip and breaks a bone then you'd be covered but if her pre-existing high blood pressure becomes unstable then you wouldn't be covered. Given her age I'd assume that she does have at least some pre-existing conditions and so a single policy covering all would be the safer option.