Travel insurance for families should offer comparable protection to a standard travel insurance plan. Depending on which type of policy you choose and your cover options, travel insurance for families can include:
You may also be able to extend your cover by adding optional extras to your policy. These extras can include things like snow and winter sports, cruise cover and adventure activities. Any extras you add to your policy may involve an additional premium.
All cover is subject to the limits of your policy (i.e. terms, conditions and any exclusions), which are outlined in your PDS. Carefully read this document before purchasing travel insurance.
Travel insurance for families will cover each person in the policy as individuals, but if you’re travelling alone, even if it’s only for a portion of the trip, then you will typically need to consider a single travel insurance policy.
Yes, for international trips, your travel insurer will cover unforeseen illnesses or injuries that affect family members listed under your policy. If the illness is related to a pre-existing condition, your insurer must have already agreed to cover the condition for claims to be accepted.
Travel insurance for families can cover cancellations or pay a benefit if a family member becomes ill or injured and you need to cancel before departure or partway through your trip, provided the illness is unforeseen or a pre-existing condition covered by your policy.
It can also cover situations like if your flights are cancelled and not rescheduled by your airline provider, or if a natural disaster unexpectedly impacts your destination and you need to be reimbursed for pre-booked accommodation, tours and flights.
If you or your family members experience trouble overseas, you may be able to get assistance from an Australian embassy or consulate. The Department of Foreign Affairs and Trade (DFAT) can assist by:
However, there are many things that DFAT won’t be able to assist you with, and they don’t provide a financial safety net in the way that international travel insurance cover can.
You can get value from an annual multi-trip travel insurance policy for your family if you plan on travelling more than three times throughout the year. A multi-trip policy can cover any number of journeys within a 12-month period up to the maximum trip duration listed in your policy, and can sometimes be cheaper than buying multiple single trip policies.
Group policies can be suitable when more than two adults are travelling together (with or without children). Many insurers cater for groups of up to 25 people travelling together. Group policies may be well-priced and save time by buying just one policy to cover all travellers.
However, when children travel in a group, travel insurance for families may be a cheaper option because dependent children are usually covered for free up to varying ages (depending on your insurer). Additionally, not all insurers offer group travel insurance policies.
Learn more about group travel insurance.
Getting travel insurance when you’re pregnant is slightly different from 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, first and second trimester pregnancies are safe for travel (provided you don’t experience any complications) and can be covered. Unfortunately, you may struggle to get travel insurance in your third trimester. You also won’t be covered for childbirth and newborn expenses. Find out more about travel insurance and pregnancy.