How many children are allowed to travel on a policy?

With Aussietravelcover, there is no limit on the number of accompanied children travelling on a policy, but the children must meet the definition of dependant. For Aussietravelcover, that means your children or grandchildren who are under 25 when you buy your policy, are financially dependent on their parents or grandparents, are not working full time, are travelling with you for your entire journey, and are listed on the certificate of insurance as dependents.

Is there cover for financial collapse?

Unfortunately, no. Aussietravelcover does not provide protection for any claims arising from financial collapse, including airlines, accommodation providers, tour operators or car rental agencies..

Aussietravelcover Travel Insurance

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Aussietravelcover includes strong COVID-19 benefits and covers over 30 pre-existing medical conditions.
Our research suggests Aussietravelcover policies are often priced higher than other providers.
Be aware of limited claims process information and no cover for travel provider insolvency.

Our Verdict

Aussietravelcover offers good benefits and has one of the most comprehensive approaches to COVID-19 we’ve seen. However, the dated website doesn’t make for a seamless experience and prices may be a little higher than you expect.

Pros

Over 30 pre-existing medical conditions are covered as standard and Aussietravelcover will consider covering others for an additional fee.
Aussietravelcover has strong benefits for COVID-19, including medical costs, additional accommodation and cancellation expenses.

Cons

There isn’t a lot of information about lodging a claim with Aussietravelcover, which may make the process a little tricker for some travellers.
We requested a number of quotes from Aussietravelcover and found policies were on the more expensive end.

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What policies does Aussietravelcover offer?

Aussietravelcover offers four policies - Top Plus International, Basic International, Multi-Journey and Domestic. The insurer of this product is Tokio Marine & Nichido. It comes with a cooling-off period of 21 days and choice of $150 standard excess for international plans.

Here's a breakdown of Aussietravelcover Travel Insurance features

Standard features
Optional add-ons
Exclusions

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Standard features

These are some of the main insured events that Aussietravelcover will cover. These benefits apply across all international policies.

Overseas medical treatment
Lost, damaged or stolen property
Trip cancellation or amendment
Additional accommodation and transport
Theft of money

Luggage and travel delay
Emergency dental costs
Kidnap and hijack
Personal liability
Accidental death

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Optional add-ons

Aussietravelcover also offers three add-ons that provide cover for a wider range of risks.

Snow pack. Covers you if you’re injured while on the slopes, plus a range of snow-specific risks like damaged equipment.
Cruise pack Convert your policy to cover cruises and get a range of additional cruise-related benefits including cabin confinement and missed ports.
Motorcycle, moped and scooter cover.Cover for injuries as a result of driving or riding on a motorcycle, moped and scooter, as long as you meet the requirements.

Exclusions

Unfortunately, travel insurance doesn’t cover everything. Generally, Aussietravelcover will not pay your claim if it relates to:

Unlawful, wreckless or unreasonably unsafe behaviour by you
Behaviour while you were drunk or under the influence of drugs
Expenses related to a pre-existing medical condition, unless listed on your policy
An act of war, invasion or revolution
Insolvency of a travel agent, tour operator or accommodation provider
Mandatory quarantines or isolations
You being unfit to travel or travelling against medical advice
Childbirth or pregnancy complications after the 25th week of gestation or if you have had previous pregnancy complications
An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
Self-inflicted injury or illness, suicide or attempted suicide

Make sure you review the Aussietravelcover PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.

How to make an Aussietravelcover claim

Create an account to submit your claim via the Aussietravelcover website. Alternatively, you can call 1300 932 861 or email atcclaims@tmnfatravelinsurance.com.au.

Frequently asked questions

With Aussietravelcover, there is no limit on the number of accompanied children travelling on a policy, but the children must meet the definition of dependant. For Aussietravelcover, that means your children or grandchildren who are under 25 when you buy your policy, are financially dependent on their parents or grandparents, are not working full time, are travelling with you for your entire journey, and are listed on the certificate of insurance as dependents.

Sources

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Written by

Nicola Middlemiss

Journalist

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

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3 Responses

MollySeptember 12, 2025

Hi , we already bought the Top Plus International insurance from you guys, now we travel on cruiseship to Antartic, Argentina and New Zealand, just wonder how much will cost extra for my husband pre-existing medical insurance? His condition is stable and medicated by his routine drugs.

Finder

SarahSeptember 13, 2025Finder

Hi Molly,

We’re a review and comparison site, we’re not directly affiliated with this brand. You’ll need to contact them directly to discuss this, you can reach them on 1800 888 448. Be sure to have your policy number ready. Best of luck!

Finder

JonathanFebruary 26, 2018Finder

Hi Marina, thanks for your inquiry!

This would depend on whether your mother’s travel insurance covers the domestic cruise from Sydney to Moreton Island in Queensland.

Would it be possible to provide us with the travel insurance policy name and travel insurance policy provider? We’d be happy to look into it for you.

Best,

Jonathan

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Aussietravelcover Insurance

Our verdict: Generally, Aussietravelcover Travel Insurance has fairly high limits compared to other providers, but our quote research found it to be on the more expensive end.