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Your guide to family travel insurance
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Posted On :
Jul-03-2009
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Article Word Count :
382
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With so many people taking to the skies for foreign holidays these days, insurance companies have upped their game and now provide a whole range of travel insurance products tailored to meet the specific needs of travellers.
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With so many people taking to the skies for foreign holidays these days, insurance companies have upped their game and now provide a whole range of travel insurance products tailored to meet the specific needs of travellers. Among these is family or group insurance.
With family travel insurance, your party if insured as a group, saving the trouble and cost of having to insure the members of your party individually. Insurers define family in different ways, so be sure to check their definition before you buy.
One of the biggest advantages of this type of insurance is its flexibility. Usually insurance policies will provide cover for any of the named family members even if they are not travelling with the entire named family for their holiday.
One reason for this type of cover being cheaper is that most of these insurance policies do not charge to insure children. There is typically no charge for little ones under age 2. However, you will also find companies who do not charge any child who is travelling with an adult who is signed up to the policy.
Insurers are also aware that many people will not be looking to sign up two adults to their policy as parents. In fact, most insurers will provide a single parent discount so that single parent families can enjoy the same insurance deals offered by a family policy.
Many parents will be aware that older teenagers are keen to travel outwith the watchful eye of their parents. However, in doing so thy will most likely have to take out an individual travel insurance policy as an existing group policy will not cover this.
If you are hoping to add an elderly parent or grandparent to your family or group policy, you may find that your premium will be much higher as a result. In fact, you may find some insurers who are unwilling to add anyone in their sixties or older to a family policy due to the increased health risk.
Various types of cover are available via family policies. You can choose from single trip family insurance, or annual cover, which means that the whole family is covered for an entire year no matter how many trips abroad they take.
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Article Source :
http://www.articleseen.com/Article_Your guide to family travel insurance _1504.aspx
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Author Resource :
Quotebanana.co.uk is a great new site offering travel insurance quotesfrom a selection of insurers. Buy instantly online.
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Keywords :
holiday insurance quotes,
Category :
Finance
:
Finance
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