The estimate is a market range calibrated to published NZ premiums; insurers quote individually and only a live quote is a price. Children under 18 travelling with an adult are usually covered free or at a small charge, which is reflected. Medical costs in the USA drive the highest premiums. Insurers are ranked by fit to your trip (ages, destination, excess, conditions, activities), not by price. Product facts are from each insurer's current pages and policy wording (checked October 2026); confirm limits in the policy document before you buy. Buy cover when you pay your deposit so cancellation is covered; check your credit card for included travel cover first. General estimate only, not a quote or financial advice.