Travel Insurance

Can someone recommend a good travel/trip insurance? In case we get delayed en-route,  that also covers medical in case the Daughter becomes ill? I don't need medical for myself, as I have medical coverage, but she should probably have it. And the trip "problems" insurance? Same policy cover both?

You have to read the fine print carefully for trip interruption stuff. As an example, I don't think any would cover the drone fiasco at Gatwick.

I used insurewith on my last trip because of the pre-existing conditions coverage needed. I had to go into detail on the conditions and treatment to get it which I wasn't keen on, but I understand why.

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Thanks.

Best to use a comparison website:
https://www.moneysupermarket.com/travel-insurance/

It's easy to compare the fine print between policies as they are all in the same format.

Yeah, I'm checking AARP and other sites, as well.

The premiums aren't too bad. There's only a few things I worry about:

1) one of us gets ill and we have to cancel before we leave - everything I've booked as far as hotels and car is refundable, but the airfare won't be.
2) one of us gets seriously ill and we need to be admitted to a hospital in the USA. (I would have cover, but a huge excess. Daughter would have nada.)
3) something happens and we miss a flight - car breakdown to the airport, etc.

Of all of it, the second is the worst. For #1 we'd get a refund of the taxes, which are the biggest part of the airfare. So we'd really only need in the hundreds of pounds of cover there. #2 could run into the tens of thousands for just a day or two in hospital.... 3) I'd prefer not to think about too much.

Sigh.

For #2, medical coverage in any travel insurance plan would cover it as long as you make sure any pre existing conditions are also covered (esp if the hospital visit is related to one). The excess will likely be less than you'd have as a copay in the US. When my husband had emergency appendix surgery and a 5 day stay he paid £150 and the insurance company haggled and took care of the rest. He had to pay one doctor out of pocket while in the US and they refunded him fully. They also took care of the rebooking fees when he needed an extra week to be able to fly home safely.

The only difference I noticed while shopping is that for pre existing conditions the maximum cover tends to be slightly less and/or have higher excess fees.

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Ok, got a full year of insurance (multi-trip) with Direct Line for the both of us for 138 pounds.  Pretty much all I wanted to be sure of was to be able to get emergency medical care for the Daughter, and back home again if there were any missed flights or medical emergencies, and this has good repatriation cover. Disclosed our medical conditions - they are covering hers and excluding mine, which is fine.  So fingers are crossed that we'll never need this, but it's good to know that if there's an emergency we won't be hit with $50K for emergency admit-and-out-in-a-day with tests, and if we need to be medically repatriated, the insurance will arrange it.