Family Travel Insurance for a 8 Night South Pacific Cruise?

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  JimmyF on 04/02/2024 - 17:53

  +2

  Family of 5 (ages 18, 22, 45, 45, 70)

  Doubt you'll be getting a single 'family' policy to cover everyone considering everyone is over 18! You'll be looking at a few couple policies or just a plan multi person policy. If you go a family policy, read the fine print. It might have something like all people need to be living at the same address or a clause saying they are dependent. Insurance companies will happily take your money only to say yeah nah when you go to claim.

  Look at InsureandGo, had a good experience with them before during a claim, which is what really counts the most. Also make sure cruise cover is selected!

  InsureandGo which BTW class a 'family', as a couple and dependent children.

  Family
  This option provides cover for two adults who are in a Partner relationship and their accompanying dependent children.

  • 

    zaqwsx3 on 04/02/2024 - 18:09

    Thanks will check them out

  • 

    jjjaar on 04/02/2024 - 21:34

    -1

    You don’t tell them you’re a family/book designated “family cover”. You just input the birthdates/ages of all travellers and the insurers quote you for that combination of people/ages. As long as you’re travelling together, you don’t need to be a family. I’ve travelled with friends in the past, booked the same insurance policy, made claims, and never had an issue with this.

    Absolutely agree with checking the PDS to confirm, as I do believe some will do as you’ve said. But many don’t.

    For example, covermore PDS doesn’t have a “family” definition, but does define:

    "You" "Your", Yourself" means the people listed on the Certificate of Insurance and includes Accompanied Children.
    Where more than one person is listed on the Certificate of Insurance all benefits, limitations, conditions and exclusions will be interpreted as if a separate policy was issued to each of the persons listed other than:
    a) in the event a claim arising from the one event is made, an excess (if applicable) will only be applied once;
    b) in the case of luggage item limits which shall be as per a single policy;
    c) for SECTION 4: Amendment or Cancellation Costs applies per policy.

    • 

      JimmyF on 04/02/2024 - 22:10

      You don’t tell them you’re a family/book designated “family cover”. You just input the birthdates/ages of all travellers and the insurers quote you for that combination of people/ages

      Thanks for the neg then. But InsureandGo does define 'family' and the OP 'adult' family doesn't cut it.

      Absolutely agree with checking the PDS to confirm, as I do believe some will do as you’ve said. But many don’t.

      YMMV. As I said, read the fine print. They'll happily take your money.

      • 

        jjjaar on 05/02/2024 - 09:46

        Thanks for the neg then.

        Thanks for the incorrect assumption

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  Kib33 on 04/02/2024 - 19:01

  +3

  InsureandGo - Use GROUPON20 as Promotional Code for 20% discount. And ensure you choose Domestic, South Pacific and New Zealand.

  • 

    zaqwsx3 on 04/02/2024 - 20:17

    Excellent, thank you!

  • 

    DazMon on 23/02/2024 - 14:50

    Thanks for that, just tried it and its miles in front.

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  Marcsie on 04/02/2024 - 21:26

  -1

  What’s wrong with the Free Credit Card Insurance ?

  • 

    JimmyF on 05/02/2024 - 12:11

    Doesn't cover cruises….

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  nwa on 05/02/2024 - 16:14

  +1

  Use the the link from your cruise line they give more of a discount through their link than going directly to their website, e.g. Carnival Corp recommended partner is Covermore.

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  Strabo on 06/02/2024 - 11:58

  +1

  Another vote for insure and go - i've found them great and you can book family or partners