Explore Travel Insurance

Covering your entire brood under one travel insurance policy keeps your family protected from the unexpected while on holiday. Family travel insurance policies function identically to singles policies, but, usually, have higher cover limits due to the number of travellers they cover.

How much does family travel insurance cost?

The cost of your family travel insurance will depend on how many people are on the policy, where you’re travelling to, how long for, the activities you’ll be doing etc. Most travel insurance policies will cover children at no extra cost, as long as they’re under 21, named on your policy and don’t work full time – this applies to both international and domestic travel insurance. Some insurers extend the definition of kids to dependants under 25 who reside with you and don’t work full time.

In most cases, single parents travelling with their kids only need to buy a single policy, where the cost rarely differs from those who travel without kids. Most travel insurers will cover up to three kids travelling with two adults at no extra cost. An exception to this rule is when a minor is travelling alone for part of the journey. In this case, they’ll most likely need to be covered by a separate policy.

However, just as you should shop around when buying flights, it’s important to do the same thing when purchasing travel insurance. We make the shopping process easy by comparing over 100 comprehensive and basic products from leading Australian brands side-by-side, so you can find a travel policy for your family.

Family Canoeing down beautiful river in a Cypress Forest

What kind of events do I need to get covered for?

It depends on what you and the kids will be getting up to on your trip! However, the most common claims on international travel insurance policies relate to medical expenses, theft and loss of property and cancellations and delays.

  • Medical expenses. If anyone in your family falls ill or is injured during the trip, it’s up to you to pay the medical bills – unless you have travel insurance. Just be aware that certain activities aren’t covered by every policy (e.g. injuries suffered as a result of riding a motorcycle illegally), so make sure your policy matches your itinerary.
  • Theft or loss of belongings. There’s nothing worse than arriving at your dream destination, only to realise someone’s snatched your luggage before you’ve left the airport. This doesn’t have to be a big issue since you can claim on your travel insurance and get some money back, unless it was left unattended, in which case you won’t be covered. Just make sure you report the incident to your insurer, the airline and local police within 24 hours.
  • Cancellations and delays. Postponed flights and missed tours are common. However, in many cases, you can be compensated for this misfortune by making sure your travel insurance policy covers lost deposits and cancellations.

What about group travel insurance?

Group policies are ideal when more than two adults are travelling together (with or without children), with many insurers catering for groups of eight, 10, 12 – even up to 25 people travelling together. Not only can group policies be well-priced, but you could also save time by buying just one policy to cover all travellers.

However, when children are travelling in the group, remember that a family policy may be a cheaper option because kids are usually covered for free. Additionally, while some insurers offer group travel insurance policies for anyone travelling in a group, they aren’t available through every provider.

Learn more about group travel insurance.

What if I’m pregnant?

Getting travel insurance when you’re pregnant is slightly different to taking out a family policy. Before you do anything, speak to your doctor about your travel plans and see if you’re able to go. Typically, your first and second trimesters are safe for travel, provided you don’t experience any complications with your pregnancy. Unfortunately, you may struggle to get travel insurance in your third trimester. Find out more about travel insurance and pregnancy.

Not pregnant and not looking for family cover? You’ll have more luck searching for travel insurance by type.

Do I need family travel insurance?

There’s nothing like taking the kids on a holiday to explore new horizons and re-connect as a family. While a trip away with the brood is always fun for adults and kids alike, things can quickly take an unexpected turn. One of the kids could break a bone on a water slide and need to go to the hospital, your luggage could get lost in transit, or another driver could dent your rental car.

Family travel insurance gives you the peace of mind that everyone on the trip is protected if things don’t go as planned. That means your spouse, dependent children and yourself will be covered under the same travel insurance policy.

Taking out a family travel insurance policy is often cheaper than buying a separate policy for each person travelling.

What should my family travel insurance policy include?

Your family travel insurance policy should include the same benefits as a standard travel insurance plan, including cover for:

  • overseas medical and hospital expenses
  • trip cancellation costs and delays
  • lost, damaged or stolen luggage and personal belongings
  • theft of cash
  • rental car excess
  • some out-of-pocket or additional expenses
  • some sports and activities
  • personal liability
  • permanent disability and loss of income
  • accidental death
  • dependents under 21
  • 24-hour emergency assistance.

All benefits mentioned are subject to the limits of cover, policy terms, conditions and exclusions outlined in your product disclosure statement (PDS). Carefully read this document before purchasing travel insurance.

Family travel insurance: Exclusions and what to watch out for

Travel insurance policies come with common exclusions and don’t typically cover:

  • unapproved pre-existing medical conditions
  • loss or injury due to mental health conditions
  • lost, damaged or stolen belongings that were left unattended
  • claims due to unlawful or reckless behaviour, intoxication or drug use
  • unapproved high-risk sports or activities
  • travelling against government advice
  • acts of war, terrorism or civil unrest.

Cover for certain pre-existing medical conditions and high-risk sports or activities can be added to most travel insurance policies at an extra cost.

Four top travel tips for families

1. Choose the right destination for your family

Some destinations are better suited to families than others. For example, if you have young kids, a trip to Disneyland might be preferable than a trip to Vegas. Similarly, if you’re travelling with a pram or toddlers, you probably don’t want to be trekking the Himalayas.

If you’re going on your first family trip, maybe you’d like to go somewhere closer to home and avoid long haul flights. Travelling as a family is also more expensive (more plane tickets to buy and bigger hotel rooms etc.), so a destination like Asia might be more budget-friendly than, say, Europe.

Get the whole brood together and plan out the type of holiday you want for your budget. Ask the kids what they’d like to do most and ensure every family member has an experience to look forward to.

2. Register your travel plans with the Australian government

Let the Australian government know where your family is travelling to and how long for by registering your trip with Smartraveller. Through Smartraveller, you can provide the Department of Foreign Affairs and Trade with your trip itinerary and both your contact details and your family’s or friend’s details back home, so they can be easily reached in case of an emergency.

You can also subscribe to receive free travel advice, alerts and the latest updates on the part of the world you’re travelling to. However, you should know that registering with Smartraveller doesn’t guarantee your family consular assistance if you get into trouble abroad.

3. Check your family’s vaccinations are up to date

Before you head off on your family trip, make sure everyone in your clan is up to date with their travel immunisations, routine childhood vaccinations and boosters.

Depending on which destinations you’re travelling to, your family could be exposed to infectious diseases that are (generally) preventable by immunisation. According to the Department of Health, the following may be recommended for you and your children before you head overseas:

  • combined hepatitis A/B vaccine
  • typhoid vaccine
  • tuberculosis vaccine (BCG)
  • rabies vaccine
  • yellow fever vaccine
  • Japanese encephalitis vaccine
  • influenza vaccine.

There are also certain vaccines needed for different countries, which is why you should visit a travel health clinic or your general practitioner for advice at least eight weeks before you depart Australia.

4. Arrange your own in-flight entertainment and snacks

We know that kids and long-haul flights don’t mix well. Little ones tend to become restless when they’re confined to a small space and have to stay put for long periods. To help avoid tantrums and disruptions, bring extra in-flight entertainment and snacks.

Firstly, ensure you fully charge your electronic devices; hell hath no fury like a child with a dead iPad. Pack other forms of entertainment too like stickers, colouring books, Legos, puzzles etc.

While most flights these days provide passengers with in-flight meals and refreshments, you should always have your own supply of snacks in case the kids don’t like plane food or get peckish in between meals times. You can always buy nibbles on the plane, but you’ll pay top dollar!

Compare family travel insurance

Looking for travel insurance that will protect everyone in the family? Our free travel insurance comparison service can help you compare a range of policies in minutes, based on your preferred level of cover, policy benefits and excess amount (payable to your insurer when you make a claim), so you can find a travel insurance plan hassle free.

Sources:

Australian Government Department of Health – Immunisation for travel (2019).

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