Please Note - If you are cruising around Australia you need to select Pacific.
You are not required to enter stop-over countries if your stop-over is less than 48 hours.
Love them or loathe them, family holidays can be challenging at the best of times. A family holiday can either be a fantastic experience, offering a lifetime of laughs for years to come, or a complete disaster, particularly if you are taking a long trip.
A lot of people don’t tend to take the whole family travelling. Having grandparents, aunties and uncles in toe can mean a lot more effort and of course there’s the extra expense.
But there is good news. Many insurance companies offer cover specifically for families – so take the plunge and get your family out of their routine and into a trip of a lifetime!
Purchasing a family travel insurance policy is cheaper than purchasing a policy for each individual travelling, so cover may not be as expensive as you first thought!
Treating travel insurance as an after-thought can add significant costs to your family holiday.
Comparing policies online with us will give you the same competitive price as buying direct – but without the legwork of schlepping around. Don’t buy from your travel agents and pay for unnecessary commissions. Compare and buy a family policy in one place with the click of a button and save time and money!
Did you know in most cases dependent kids are covered for free! This makes a family travel insurance policy even more affordable. With these kinds of savings you'll have more cash to splash on water parks and ice creams!
The definition of family has certainly changed in the last 50 years. But if you’re planning on taking a trip the key thing to consider when buying a family travel insurance policy is the way an insurer defines a family, or a dependent –as this can vary between providers!
All travel insurance providers listed on our site account for two adults and up to four dependent children in a family policy. Some insurers will provide cover for up to 10 dependent children for free.
Single parent families have also been considered, with some policies offering to cover dependent children when travelling with a parent or grandparent on a single adult policy.
A dependent is defined in most policies to be your financially dependent children or grandchildren under the age of 18 years. However, the age limits vary between insurers; so if your 21 year old is unemployed, still studying, or simply a little slow to fly the nest, shop around as most insurers class them as a dependent if living at home.
For a two-week family holiday to Bali, with two kids and two adults:
Basic cover: Those looking for low cost basic cover without all the added extras won’t go wrong with Insure and Go’sBare Essentials policy for $72.72. It’s the cheapest policy on CTI for a 2 week trip to Bali including unlimited medical, $2,000 luggage, $1,500,000 personal liability and $5,000 travel expenses.
Mid range: A good middle of the road policy is Fast Covers’s standard policy for $107.80 which includes unlimited medical, unlimited cancellation, $5,000 luggage, $15,000 accidental death, $15,000 permanent disability, $5,000,000 personal liability, $2,000 travel documents and $30,000 travel expenses.
Comprehensive: Insure and Go’s Gold Comprehensive policy shows good value at $131.38 which includes unlimited medical, unlimited cancellation, $8,000 luggage, $50,000 accidental death, $50,000 permanent disability, $5,000,000 personal liability, $5,000 travel documents and $50,000 travel expenses, $10,400 loss of income, $5,000 hospital cash, $500 theft of cash and way more!
As a rough guide, you can expect to pay:
Traveling in a group, even a family group will mean there are lots of important things to consider:
Before you fly the coup with your flock it’s vital to read the policy wording (PDS) to ensure you understand what is and isn’t covered. And if there’s something you don’t understand you can contact the provider directly.
Already pregnant or are you about to start a family? Traveling with a bump is possible, assuming your doctor has given you the go-ahead and you have the right travel insurance to suit your needs.
There are several Australian travel insurance companies who provide cover for unexpected medical complications for women up until 26 weeks of pregnancy, with a couple offering cover up to 32 weeks of pregnancy (InsureandGo even cover until full term).
Expectant mothers can still buy standard travel insurance after the maximum gestation limit; however they won't be covered for anything related to the pregnancy. Check out our pregnancy travel insurance guide page. And if you are travelling with a bump on board make sure you read your policy documentation to know what is and isn’t covered.
There are so many variables to consider when it comes to travel. And when travelling with dependents you’ll want to do your research and compare family travel insurance policies before buying the first one you see.
Comparetravelinsurance.com.au compare heaps of reputable insurers offering family cover in one place – making comparing quick and easy! And with a move of the mouse and a click of a button you can get the same competitive price as buying direct.
Save time, worry and loads of money! Comparing family travel insurance online will leave you plenty of time for family fun!
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn't. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.