Insurance for multinational family
I am a British citizen married to a French citizen, living in France. We have a son of 2.5 years old who is a French citizen. We have just booked a holiday to Spain, and by booking the various bits ourselves, and by booking different bits through websites in the UK and France we have saved ourselves a fortune compared with a package from a travel agent.
However, we are having trouble finding travel insurance that will cover this kind of scenario. For example I have searched for "expat holiday insurance" and the offer I found worked fine for me, an expat but not for my wife/son because the insurer explicitly only insures people of UK/USA/Australian/NZ/Canadian nationality. I have no idea why it works like this.
Therefore, are there insurers who will cover a group of people with differing nationalities to the same level or will we need to insure ourselves separately?
I assume that recommending specific companies isn't acceptable on the Ts & Cs of the site, but if people can help with terminology that I can then search for, and any experience they have, that'd be great.
(Our flights weren't booked on the same card as the hotel, just to make matters worse!)
Best Answer
I don't see what the problem with the scenario is - I can buy travel insurance by simply telling an insurer that my family and I will be in Spain for two weeks, and that we won't be taking part in any risky sports (skydiving etc)
They don't ask whether it is booked through a single travel agent or whether we are organising every bit separately.
I am surprised if things are different in France, but here in the UK all the main insurers will do this.
You could also check on your home insurance, or your bank accounts - I know my home insurance and one of my current accounts give me free travel insurance.
Generally with insurers, if you don't fit into one of their boxes they just increase the premium :-)
From @Vince's comment below, I would guess that worst case, you may have to use two insurers, but will have a hunt round for more information on this as it doesn't seem to tie in with examples I have seen in the past.
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Which insurance is best for family?
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Here are some of the best international health insurance companies:- Generali Global Assistance.
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The annual cost of an international health insurance plan will range from as low as $500, with limited benefits, to as much as $8,000 for a comprehensive global medical insurance plan, including coverage in the USA. The average cost is $5,000 per year.How much does family insurance cost in UAE?
Insurance premiums range from around 5,500 AED per year (1,500 USD) for a thirty-year-old expat on a comprehensive plan to around 33,500 AED (9,120 USD) for a family of four on a comprehensive plan. A basic coverage plan for a family of four should be around 17,000 AED (4,630 USD).NRI DILEMMA - SHOULD YOU BUY LIFE INSURANCE IN INDIA OR ABROAD ?
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