Holiday insurance for the Carribean with young children

Selecting the cheapest 5 star policy is really not the best way of buying travel insurance. 5 star or not, its not much good if it doesn't have the cover that suits your needs. You need to compare policies to ensure they do cover all you want/need at the levels you want, and with the excesses you want. Don't forget to declare everything that falls within the parameters of the medical
declaration. Even if you don't want a condition covered you have to declare it.

Make sure you read the policy properly, especially the exclusions. The cover you need will also vary by what you're booking. A package holiday means you really don't need airport/airspace closure because the tour operator is responsible for rescheduling or refunds, and consequential loss cover isn't as important as if you're booking independently.

See your GP surgery about any recommended vaccinations you need. Lots of insurance policies don't cover if you get ill from something that has a vaccination recommended.