How many policies should we purchase?

[Fishboy1947]

I have booked a cruise to include three of my grandchildren.  None of the grandchildren live with us and two of them live in another state.  Should we purchase five individual CFAR policies or three (us alone + grandchild + 2 out of state grandchildren) or two (one for residents each state).  The grandchildren are aged 18 & 19.

 

Thank you

[iamtrustworthy]

3 hours ago, Fishboy1947 said:

I have booked a cruise to include three of my grandchildren.  None of the grandchildren live with us and two of them live in another state.  Should we purchase five individual CFAR policies or three (us alone + grandchild + 2 out of state grandchildren) or two (one for residents each state).  The grandchildren are aged 18 & 19.

 

Thank you

Hi Fishboy1947,

 

What State(s) do they live in and what are their respective ages?

 

And, is there a particular reason you want the CFAR?

 

Steve Dasseos

[Fishboy1947]

Three of us live in PA, ages 75, 70 & 19.  Two live in FL, ages 17 & 19

 

My only interest in travel insurance is CFAR, in case we decide to cancel the cruise trip, after final payment, due to world events or travel uncertainty.  All other expenses of the trip will be refundable and booked using a credit card but not billed until we are on the trip.

 

Thank you

Edited April 1, 2022 by Fishboy1947
clarification