I, myself, my spouse and my younger brother are going for a holiday in Singapore for four days holiday. As I am the sponsor of the trip, I have bought air tickets and booked hotel etc. Now wanted to take travel insurance for all of us, but my travel agent is saying that because my brother is not dependent on me, I cannot take travel insurance for him.
1- Is my agent is right?

2- Do I pay cash and take the insurance, so the question of - who paid for my brother’s insurance won’t arise?

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