Covering your entire brood under one travel insurance policy can help to keep your family protected from the unexpected while on holiday. Family travel insurance policies function identically to singles policies. However, these policies usually have higher cover limits due to the number of travellers they cover.
There’s nothing like taking the kids on holiday to explore new horizons and re-connect as a family. However, 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 covered if things don’t go as planned. That means you, your spouse and dependent children are covered under the same travel insurance policy.
Plus, taking out a family travel insurance policy is often cheaper than buying a separate policy for each person travelling.
The cost of your family’s travel insurance is affected by factors like:
Most travel insurance policies will cover dependant children at no extra cost if 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 live 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. Some travel insurers will cover more than three dependants, so it’s worth reviewing a range of providers if you have a large tribe.
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 their own policy.
Just as you should shop around when buying flights, it’s important to do the same thing when purchasing travel insurance. Thanks to our free service, you can compare a range of family travel insurance policies in one place.
Your level of cover should depend on what you’re getting up to on your trip! To help ensure your travels run smoothly, it’s a good idea to have cover for the following (at a minimum):
If anyone in your family falls ill or is injured during the trip, you’ll need to pay the medical bills – unless you’re visiting a country that has a reciprocal healthcare agreement with Australia. Even so, cover under this agreement is often limited.
As such, travel insurance is crucial in providing cover when you’re sick or injured, so you aren’t left with major out-of-pocket expenses.
Just be aware that certain activities aren’t covered by every policy (e.g. injuries suffered as a result of riding a motorcycle without a licence). Also, insurers may not cover some pre-existing conditions.
Ultimately, be sure to thoroughly check your policy’s Product Disclosure Statement (PDS) to know exactly what you’re covered for before purchasing.
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. However, if you left your belongings unattended, chances are you won’t be covered. Just make sure you report the incident to your insurer, the airline and local police within 24 hours.
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.
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 travel insurance policy may be a cheaper option because dependent children are usually covered for free up to varying ages (depending on your insurer). 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.
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, 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.
Your family travel insurance policy should offer comparable protection to a standard travel insurance plan, and could include cover for:
All cover is subject to the limits of your policy (i.e. its terms, conditions and any exclusions), which is outlined in your product disclosure statement (PDS). Carefully read this document before purchasing travel insurance.
Travel insurance policies come with common exclusions. To put it plainly, they don’t typically cover:
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. Before purchasing any policy, ensure you read and understand all exclusions on the PDS.
Australian Government Department of Health – Immunisation for Travel