Family Travel Insurance

Family of four at the airport

Travelling with your partner or family? Combine cover and save with free child cover

Travelling with family is something that a huge number of Australians do every year, with some travelling on a fun or relaxing family holiday and others looking to get their adrenaline kicks by hitting the slopes or taking off on a surfari to Bali. Taking a trip with your family can be a wonderful experience, as it means that you get to spend quality time with your loved ones in new surroundings.

Keep it in the family

Ensure your vacation runs smoothly in the face of outside travel concerns and consider getting family travel insurance cover. This type of cover offers a range of protection and benefits that can offer peace of mind and invaluable protection for each member of the family under a single policy. By purchasing cover for multiple family members, you can also enjoy excellent premium discounts.

Best way to get combined cover

Simply enter your family and trip details into our form below and compare family insurance policies. Once you have found found a policy thats suitable, go through to the providers website and apply. If you need more information about family travel insurance, continue reading our guide.

Enter your family trip details to receive a quote

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family-sunsetFamily friendly features of travel insurance

1. The same level of travel insurance protection as individual plans

Family travel insurance plan you can ensure that you and your loved ones receive the best emergency assistance and financial protection in the event that unforeseen losses occur such as:

2. Free cover for children

Most insurers will allow a spouse and dependant children under 21 to be included in one policy. The majority of insurer's will also allow your dependant children to be covered for free.

3. Convenience of one policy

It is not only much more affordable but also more convenient to take out a group family policy rather as you can:

  • Spend less time on insurance. Purchasing the policy for your family can be done in the one application, leaving you more time to prepare to focus on planning your trip
  • Understand your benefits easier. Having one certificate insurance will help keep things more simple in the case of an unexpected loss and allow you to find how much cover you and your dependant's can receive with ease
  • Central contact point. For claims and assistance you have one central contact point rather than having to rifle through loads of paperwork to find the insurance details for the family member who has been affected

What do travel insurer's consider a 'family'

Family is generally recognised as you the policyholder, your spouse (or legally recognised de facto) and your dependents.

Kids go free travel insurance

BrandDependent Children Covered Free?Maximum Age To QualifyApply
1 cover 1cover one cover onecover

1 cover
Yes21Get quote

Yes25Get quote
AMEX Travel Insurance

american express amex
Yes21Get quote
Budget Direct Travel Insurance

budget direct
Yes18Get quote
Citibank Travel Insurance

Yes18 or 21 if full-time studentGet quote
Columbus Direct

Yes18Get quote

covermore cover more
Yes21 if dependent childGet quote

du insure down under
Yes21 if not in full-time employmentGet quote
Easy Travel Insurance

easy travel insurance
Yes25Get quote
Fast Cover

fast cover
Yes21Get quote
Go Insurance

go insurance
Yes18Get quote

insure and go insureandgo
Yes18Get quote

Yes21Get quote
MultiTrip Travel Insurance

Yes18Get quote
No Worries Travel Insurance

No worries
Yes17Get quote
Simply Travel Insurance

Yes21 if not in full-time employmentGet quote

ski insurance
Yes21Get quote
Tick Travel Insurance

Yes18 if travelling with parent or grandparentGet quote
Travel Insurance Direct

tid travel insurance direct
Yes21Get quote
Travel Insurance Saver Logo

travel insurance saver
Yes25Get quote
Travel Insuranz

travel insuranz
Yes21Get quote
Woolworths Travel Insurance

woolworths woolies
Yes21Get quote
Worldcare Travel Insurance

worldcare world care
Yes21Get quote

yougo you go
Yes21Get quote

Travelling separately: Can I get family cover?

My daughter is travelling by herself, is she covered if anything goes wrong?

One of the key exclusions of family travel insurance policies is that your children will only be covered while they are travelling with you. So if your child will be spending some of the trip with you and another portion of the journey travelling separately and doing her own thing, you’ll need to take out a separate adult insurance policy to provide the cover he or she needs.

My wife and son are travelling separately from me, are they covered?

Working out whether or not cover will apply in these circumstances will be a little bit trickier and the answer to your question may vary between insurers. Some insurance policies will provide cover for each adult separately, and any dependent child travelling with either also will also be covered. However, if the policy is in the name of one person only, for example the husband, if the wife and her son are travelling separately from her husband they will not be covered and will need to take out their own insurance. Your best bet is to contact your insurance provider directly to see who will and will not be covered.

Meeting up in Hawaii

Dennis flies to Hawaii a few days earlier than the rest of his family to spend some time playing golf. His wife and son fly to the mainland US for four days prior to meeting up with Dennis in Hawaii to travel as a family. However, because the travel insurance is in Dennis’ name and he is travelling by himself, his wife needs to take out a separate policy to cover herself and their child while they travel to the mainland US.

Am I able to cover a child who is not my own?

You may be in a scenario where your are travelling with your family holiday is inclusive of a niece or a nephew or even one of your child's friend's, who also require cover. Family travel insurance such will sometimes extend cover to children who are not direct family.

Citibank Travel Insurance

Citibank provides cover for non related children, but under the following conditions:

  • A maximum of two unrelated children can be covered for free
  • Unrelated children must be named on the policy
  • Unrelated children must travel together with policy holder on the journey

Can I get cover for infants?

If you’re travelling with a newborn or an infant, your insurer should be able to cover your newest family member on your family travel insurance policy. Most insurers do not impose a minimum age limit on the people that can be covered on your policy, but it’s a good idea to check with insurer first to confirm this.

Please note: It recommended that you wait at least three months before you travel with an infant.

Getting travel insurance for a large family

While the typical family comes in four, your family may feature 6 kids, 2 grandparents, your spouse and yourself. Luckily for big families, there are travel insurers who offer cover for groups of up to 25 travellers. Along with the convenience of buying one policy, some large group policies offer up to 10% discount.

Learn more about travel insurance for large groups and families

 Does family travel insurance cover me for snow sports

While travel insurance often does not always automatically cover snow sport activities, policies will allow you to add them as extras for your family the same way as individual cover.

Different benefit limits to individual cover

The main difference here will be a greater total benefit limit. An individual policy may provide $2,000 of ski equipment benefits whereas cover for your family may provide up to $4,000 or provide $1,000 per person for ski equipment cover.

Learn more about ski travel insurance

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Four conditions before you buy family travel insurance

There are a number of conditions of family travel policies that applicants should be aware of before deciding to purchase this type of cover.

  • Understand the definition of family. Family is generally recognised as you the policyholder, your spouse (or legally recognised de facto) and your dependents but you will need to check with each individual provider how many people they include as part of their family travel insurance plan. Some insurers will only consider two children as included with the family, and require any additional children to be covered at an extra cost.
  • Understand the definition of dependent. It is important to understand how your insurer will classify dependent children on your policy. Generally, a dependent is a child or grandchild under the age of 21 that is travelling with you on the journey.
  • Those covered must travel with the policyholder. In order for the spouse or dependent child to be covered under the policy, they must be accompanying the policyholder. For example, if the dependent children were to leave their parents for a few days to visit some neighbouring cities, they would not be covered under the policy.
  • Understand benefit limits. Each policy will have benefit limits in place for the maximum that will be paid in the event of different claims. In cases like personal items, one benefit limit usually applies to the total number of all claims combined. This means that in the event that different members of a family have valuable items stolen on their trip, the one maximum benefit will still apply. In cases like travel delay however, there is sometimes a benefit limit for the policy holder per hour, then a separate benefit limit for spouses and dependants per hour depending on policy

How your family is covered in the event of a travel delay

PolicyScenario: A family of three that is delayed for 18 hours
InsureandGo Silver
  • Each member of the family can receive $50 of cover for every 12 hours they are delayed (up to $1,000 total per person)
  • Total cover: $150 per 12 hours delayed = $300
Travel Insurance Direct International and Multi Trip Family
  • There is one maximum payout for the family of $200 per 12 hour period delayed (up to $4,000 total for the family)
  • Total cover: $200 per 12 hours delayed = $400

Ok, but what sort of family travel insurance plan should I choose?

The type of family travel insurance plan that you choose will depend on a number of factors, such as your family situation, your travel plans, how often you travel, your budget and any special requirements of the different members of your family. There are a number of important things that you need to take into consideration in order to help you choose the right travel insurance plan.

Single vs Annual family travel insurance

  • Single trip. If you plan to travel as a family just occasionally, such as once a year, then a single trip insurance plan will be more appropriate, as this is the more cost effective option for occasional travellers.
  • Annual multi trip. If you plan to head off on family trips and holidays a number of times per year, it is well worth looking at annual multi-trip family travel insurance cover, which will enable you to avoid the need to keep taking out cover each time you travel. It is worth noting that annual multi-trip plans are generally only more economical if three or more trips are taken in a 12-month period. It is important to review the maximum period of time that can be spent away on each trip (usually between 30 and 90 days) as this will vary between providers

Comprehensive vs basic coverage:

Another major factor that will determine which travel insurance plan you should take out is the level of coverage that you get with the different plans available. Comprehensive coverage offers more cover but at a greater premium, whilst basic cover offers less benefits but will set you back less. If you require a greater stolen items limit for valuable items you are taking on the trip for instance, a comprehensive policy would be more suitable

Assess your budget too

The cost of family travel insurance cover can vary based on the level of coverage you choose and the provider you go with amongst other things. You should make sure you work out your maximum budget before you start looking for travel insurance cover as you need to ensure that you can comfortably afford the cover. Your choice of travel insurance plan will therefore be partly based on the cost of the cover and whether it fits in with your maximum budget.

More on Annual Policies

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8 factors that determine how much you pay

The cost of family travel insurance cover is determined by a number of different factors. These include:

  • The level of coverage chosen. The range and amount of benefits and cover that will be paid for each loss
  • The number of family members. That is, who needs to be covered under the plan. Some may provide cover at no extra cost
  • Additional cover options. This includes extra cover for high value items, excess eliminator
  • Duration of your trip. The length of time for which you need to take out cover
  • Trip frequency. Whether you choose single trip cover or multi-trip cover
  • The travel insurance provider. The insurer who you opt for to take out your cover
  • The destination. Where you are travelling to
  • The health and ages of your family members who are to be covered under the policy

Pre-existing medical conditions

In the event that a member of the family suffers from a pre-existing medical condition, the insurer will have to be informed of the condition during the application process. This may incur a premium loading on the policy.

Sample quote: Tick Travel Insurance based on a 2 week holiday to Thailand

Who's travelling?PolicyCost
1 Adult aged 30, 2 Kids under 18Tick Basic$27.85
1 Adult aged 30, 2 Kids under 18Tick Top$43.78
2 Adults aged 30, 2 Kids under 18Tick Basic$50.13
2 Adults aged 30, 2 Kids under 18Tick Top$78.80
2 Adults aged 30Tick Basic$50.13
2 Adults aged 30Tick Top$78.80

Obtain quote like this in less than 2 minutes

Simply follow these steps with our form to get a detailed quote for your family:

  1. Choose between single trip or annual trip
  2. Enter you destination
  3. Fill out the dates you are travelling
  4. Enter the age details for all the people you need insured
  5. Get your quote and compare!

Take me to the travel insurance form

6 tips for finding cheap family travel insurance

In order to boost your chances of finding family travel insurance cover that will give you and your family the right level of cover while not breaking your budget, you need to compare the plans and providers available. Some key steps to find affordable family cover include:

  • Look for complimentary family cover. Find policies that automatically family cover
  • Compare policy options. Compare from a range of different providers and policies
  • Look out for exclusive deals. Search for offers to save on premiums and receive other great bonuses
  • Consider different types of cover. A basic or essentials plan may still provide adequate cover as oppose to the comprehensive option.  It's also worth considering a multi-trip option if you are a frequent traveller
  • Avoid going through a travel agent or airline to find cover. Not only will you be restricted in the range of cover options available to you but you may pay more to account for the commission that is earned

More on finding affordable cover

Why comparing online makes more sense

The easiest way to compare and find the most suitable and affordable travel insurance is to go online for various reasons:

A variety of providers and coverage levels

Many providers in operation online offer a wide range of family plans to suit different family sizes and needs.

Access clear and useful information

You will be able to compare benefits and the limitations of a specific policy and if read through the terms and conditions of different policy options to find one that is suitable for you e.g. cover for a large family of 8.

Compare at your convenience

Comparing online will allow you browse plans from the comfort and privacy of your own home, without making calls at times that are inconvenient to you simply because of office opening hours. You can take your time to actually read through the terms and conditions of different policy options and avoid rushing your purchase.

Save time

Once you have compared, most insurers enable cover to be purchased securely online in as little as 10 minutes.

The complete list of what you are covered for

Family travel insurance plans offer the same sort of cover and benefits as standard travel insurance plans. The difference is that the protection and benefits apply to the whole family rather than just to a single person or a couple. This means that you can extend the protection that these plans offer to your partner and your kids to ensure that everyone is covered and is able to get help and assistance if and when needed. Some of the standard events and situations that should be covered with standard family travel insurance cover include:

  • Medical expenses: Many Australian travel insurance providers will provide unlimited medical cover on policies. Cover for pre-existing medical conditions is generally excluded.
  • Emergency dental care: If you or a family member experience a dental emergency while you are away, most standard family travel insurance plans will cover the cost of the emergency treatment.
  • Luggage and personal belongings: Many people end up falling victim to loss, damage or theft of personal belongings such as their luggage, credit cards, traveller’s cheques, and other personal items. With family travel insurance cover your whole family will be covered so you can recover the costs of loss, damage or theft up to the specified value of coverage.
  • Personal liability: If you or a member of your family injure someone or cause damage to their property while you are away, you could be facing crippling legal costs and damages. With personal liability protection you will be covered under standard travel insurance.
  • Accidental death or disability: With family travel insurance cover, you and your family should be covered in the event of accidental death or disability while you are travelling or away.
  • Excess on a rental vehicle: It is normal for many families to hire a rental vehicle while they are travelling. If you do this and you are involved in an accident or the car is stolen, you will be covered by your vehicle insurance. However, you may still have to pay an excess charge, which could be a real drain on your finances. With your travel insurance cover the excess is covered so you are not going to have to shell out from your own pocket.
  • Holiday company/airline insolvency: If you have already paid upfront for your family holiday and your airline or holiday firm goes bust, you could find yourself seriously out of pocket. With family travel insurance, you will be covered for any prepaid expenses for all family members on the plan if your holiday company or airline goes out of business.
  • Delays and cancellation: Standard family travel insurance also covers against delayed flights or for cancellation your trip due to one of a range of specified reasons (such as you or one of your family members becoming ill and being unable to travel).
  • Family emergency: In the event that a member of the family becomes seriously ill, disabled or dies unexpectedly, the insurer will pay the additional cost of the policyholder or another member of the family to return home.

Tell me about my options - extras for the family

In addition to the built-in benefits of your family travel insurance policy, there may be some additional cover options that you would like to consider for an additional fee. These include:

  • Excess removal: Many providers will allow you to pay a small additional fee to remove any excess from your policy
  • Cover for winter sports: Take out additional cover for each of your family members for winter-sport related activities. Additional cover can include protection for events such as loss/damage to ski equipment and off-piste ski field closure
  • Extra cover for high value items: If any member of your family is travelling with items higher in value than the cover limits listed in the policy, extra cover can be taken out to ensure an adequate benefit is provided in the event that they are lost or stolen

Pros and cons of family travel insurance

Like many forms of insurance, there are many great benefits and pitfalls that people should be aware of prior to taking out cover. Being aware of any drawbacks of the type of cover you are after may help you find cover that is more tailored towards your situation and avoid any surprises in the event of a claim.


  • More affordable than purchasing separate policies for each member of the family
  • Greater convenience as each family member can be covered under the one certificate of insurance
  • Each family member can receive the same level of cover
  • Only one insurer to contact and keep track of in the event of a claim


  • Limit on maximum benefit that will be paid for losses
  • If a family member has pre-existing medical conditions, they may have to take out a separate policy
  • Restrictions on who can be recognised as a dependent
  • Exclusions for different events and activities

I'm ready to compare family travel insurance

If you are getting ready to head away on a domestic or international trip with your family, it is worth reviewing the different family cover options available from different providers. When evaluating a policy, make sure you pay attention to:

  • Maximum cover benefits for the group
  • Definitions of a dependent
  • Restrictions around whether dependents must accompany policyholder at all stages to be covered

Compare family travel insurance policies now

Picture: Roderick Eime, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped) Picture: Jason Tester Guerrilla Futures, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped) Picture: Roderick Eime, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)  Picture: Matthew Hurst, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 2.0 Generic (image cropped)

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6 Responses to Family Travel Insurance

  1. Default Gravatar
    Linda | August 17, 2014

    Do you cover younger people – my daughter is early 40′s and I wondered if she would be eligible.

    • Staff
      Richard | August 18, 2014

      Hi Linda,

      Thanks for your question. You wouldn’t be able to cover your daughter as a child, most insurers have a cut off of around 21. However, you can still get a family policy. If you fill out the travel insurance quote form on the Family Travel Insurance page, you will be able to get an estimate for cover and then choose a policy that is suitable for you.

      I hope this was helpful,

    • Default Gravatar
      Linda | August 19, 2014

      Sorry I must not have made my question clear. I am not travelling with my daughter. She is going to Fiji with her husband in April for her honeymoon. As a senior I have used Cota travel insurance. I was asking the question. Does Cota cover people who are under 50 – she is 41.

    • Staff
      Richard | August 19, 2014

      Hi Linda,

      Thanks for your question and sorry for the confusion. No, your daughter will need to purchase her own policy.

      I hope this was helpful,

  2. Default Gravatar
    John | January 29, 2014

    Hi, in the page:

    why is there a sub-section on life insurance? Is this a typo?


    • Staff
      William | January 29, 2014

      Hi John,

      Thank you for your comment. This is indeed a typo and has been amended. Thank-you so much for pointing this out for our editorial team. We pride ourselves on constantly reviewing and improving content on the Finder site but mistakes can still happen!

      Thanks again and all the best.

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