In Reply to: Travel insurance with friends children posted by Colnlyn on Wednesday, 4. February 2009 at 16:33 Bali Time:
It will depend on the terms of the insurance policy - how dependants and family members are defined. The kids' parents may well have to take out their own policies for them. After all they are not your family even if you are responsible for them while you are away.
Any queries should be directed to the insurance company. If they decline the claim there would be no point telling the insurance company that the BTF told you that you would be covered.