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Hi all
Hope someone can help with this travel insurance question.
I have booked a holiday for my family of 4, but also coming with us is my father (he is 69).
He already has his own annual multi-trip policy so he is already covered for our trip.
So we just need insurance for the 4 of us. When I buy a policy online I’m wondering if it’s definitely ok for us to have the policy just cover us 4.
I’m just concerned that, say if we had to cancel the holiday and claim on the policy, is there going to be any problem, when the holiday is booked for 5 people but our insurance is for 4 people.
Originally posted by wibblewibble75
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Generally (but check the policy wording), a family policy will cover costs associated with something that happens to another person on the same policy. eg, one family member becomes unwell before travelling, you can probably claim for everyone on the policy to cancel if you wish, or they fall sick during the trip, you may be able to claim costs that you incur as a result, such as staying at a hotel near their hospital, or taxis to the hospital, or excursions you miss because you are at their bedside, or you may be able to claim for someone accompanying them if they are flown home early. I doubt policies would cover this if the person is on a separate policy.