Family Travel Insurance Quotes

Children or grandchildren travelling with you under the age of 21 can be included in the family travel insurance policy for no additional cost. However, some insurers do charge separately for dependants, so be sure to read the PDS. Each insurer's dependant age limit does vary between the ages of 18- 25, refer to our guide to compare the different insurers dependant age limits.

Generally, only dependants not in full time employment who are travelling with parents or grandparents are considered dependants. If a 19-year-old is travelling on their own, they need to purchase their own policy. The same rules apply for any children travelling on their own, or with adults other than their parents. They will require their own separate policy.

Most insurers cover pregnancy up to around 22 weeks in gestation, although some cover until 32 weeks. Our pregnancy travel insurance guide provides a lot more detail on who-covers-what.

Yes, most insurers do not have a minimum age, so you can get travel insurance for children travelling without their guardians, such as by themselves, or with friends or school groups. You must, however, make sure they are listed as adult travellers with full cover, rather than the dependants of their teacher, aunts and uncles or adult siblings.

Most insurers cover activities like snorkelling, bike riding, golf, horse riding, kayaking for free. Although some more adventurous sports like rock climbing, abseiling, white water rafting may require you to purchase a sports-pack in order to be covered. Our activities guide provides more details on the types of activities that are covered.

Mid-range or comprehensive policies include protection for all your holiday gadgets. Total luggage cover tends to vary between $2,000 - $15,000 so make sure you pick a policy which includes enough luggage cover for all your exxy items. Remember single item limits apply - so when you're claiming you may only be able to claim for up to $750 per item. If you have an expensive watch or camera you want to take on your holiday, make sure you tell your insurer. You may need to insure it separately as a high-value item.

Some travel insurance policies cover the excess or deductible which you become legally liable to pay under your car hire agreement should you have a ding or scape. Look for 'rental vehicle excess' as a benefit when comparing policies.

Yes, there's no need to mention to an insurer that you intend to visit a water park. If you have a slip on the slides and needed to see a doctor your medical bills would be covered.