Travel Insurance Cover Minors

[KDK]

I keep re-reading the Royal Caribbean Travel Protection plan. Does anyone know if it covers your under 18 children if you purchase a policy? Thank you!

 

[CrznTxn]

It covers all the people in your party. We now purchase a third party insurance policy for our trips that is less expensive, covers the entire family and covers a lot more of the costs.

[KDK]

52 minutes ago, CrznTxn said:

It covers all the people in your party. We now purchase a third party insurance policy for our trips that is less expensive, covers the entire family and covers a lot more of the costs.

Would you mind sharing the name of your third party insurance? 

[ChessE4]

Kids are inexpensive.  We prefer Allianz when we want extra medical coverage.  However Arch's policy (Royal) was improved a few months ago.  Aside from the total cost of the trip to be covered, age is the main driver of the cost of travel insurance -- due to the likelihood of medical claims when we are older.

For us, the most common claim (twice) has been luggage-related -- either delayed by airlines or lost by Royal.

[CrznTxn]

We use Geo Blue Travel insurance. It requires you have medical insurance but they do not vary the price based on the type you have.

[KDK]

10 hours ago, ChessE4 said:

Kids are inexpensive.  We prefer Allianz when we want extra medical coverage.  However Arch's policy (Royal) was improved a few months ago.  Aside from the total cost of the trip to be covered, age is the main driver of the cost of travel insurance -- due to the likelihood of medical claims when we are older.

For us, the most common claim (twice) has been luggage-related -- either delayed by airlines or lost by Royal.

So, did you feel that Allianz is the way to go?

[ChessE4]

12 hours ago, KDK said:

So, did you feel that Allianz is the way to go?

We use Allianz when going on a big trip abroad but may use Royal's coverage for the Caribbean, it varies.  We will look into an annual premium from Allianz for next year.