Actually, if your UM is traveling together with a YT age 12 or over, they're not actually a UM anymore. You can't pay the UM fee or receive any UM service (unless you book them separately from the YT, in which case you'll need to pay the UM fee and do as suggested above.) If you're fine with them traveling together and the UM not receiving UM service, then the YT terms will apply. Lots of info here: Young Travelers
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