Why are some travel insurance policies so much cheaper than others?

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The answer to this question can vary greatly depending on your travel details, trip cost and the ages of the travelers.  When you quote for family coverage that includes children under the age of 18, some policies are covering their trip cost at a $0 premium.  Therefore, these travel insurance significantly less expensive than policies which charge for all travelers.  Also, policies that do not include cover for pre-existing conditions, financial default and accidental death are less expensive  than  policies which do include cover for these benefits.  Additionally,  a few policies might only offer pre-departure cancellation but few other benefits. However, this plan may or nor may not be cheaper depending on your age. And lastly, some insurance carriers offer comprehensive plans which offer limited or no cancellation cover. These plans are less expensive than plans which include cover for trip cancellation. plans could be