Compare Travel Insurance Family Travel Insurance Understand your family travel insurance policy

Understand your family travel insurance policy

Like any type of insurance, family travel insurance has inclusions and exclusions you need to be aware of.

If you're planning that holiday of a lifetime, you'll need to make sure you've got the right policy to protect all your loved ones. If you don't understand the ins and outs of the fine print, you could find yourself without the vital cover you need.

Protect you and your family and make sure you understand your policy today!

What is a dependant?

Dependant’ means your children, grandchildren, step children, adopted children, and fostered children not in full time employment, under the age of 21 and travelling with you.

If your ‘depandants’ tick all these boxes, then they will be included in your family travel insurance policy for free. Hurrah!

What is a family?

You the policyholder, your spouse (or legally recognised de facto) and your dependents. One parent can take out one policy which can cover up to 25 dependants for free, but remember the same benefits will be shared irrelevant of how many people.

Family time

As a family, you are insured as a family, meaning that you must be together for your cover to be valid. If your kids decide to go off on a surfing camp for example, and then get injured they may not be covered as they were not under your care.

Not all activities are covered

If your kids are planning on go-carting or rock climbing be aware that these kinds of activities are not covered under a typical family insurance policy, so they won’t be covered if they injure theselves and end up in hospital costing you an arm and a leg!

Valuable item limits

Insurers have set limits on how much they will insure you for lost and stolen items. This limit applies per policy, rather than per person.  So if three people in your family lose their smartphones, you probably won't have enough cover to reimburse the total value of all items. Make sure you have adequate cover by increasing your single items limits.

If you have any more questions about family travel insurance, please feel free to contact us.

Use our comparison site today to compare family travel insurance quotes quickly and easily.

Ahh, nothing says family quite like 'family travel cover'!
family travel insurance


Need some help? Use the search box below to find answers to all those tricky travel insurance questions. We’ve got heaps of travel insurance tips to help you get the best policy for your upcoming holiday!


Ask Eugene travel insurance geek extraordinaire anything

Other Articles You Might Like

Family travel insurance guide

Most insurance companies offer cover specifically intended for families. Purchasing a family policy is cheaper than purchasing travel insurance for each individual travelling, so it may not be as expensive as you think.

Read more
Travelling with kids

Travelling is one of the most educational and inspiring adventures you could embark on with your children, so don't let having kids in tow - stop you go.

Read more
Does travel insurance cover family emergencies?

Most people don’t have the full details of another’s health history, but if a close relative or business associate’s state of health leads to a decision to cancel your travel plans, that cancellation may not be covered if the cancellation was due to a pre-existing medical condition.

Read more
Our travel insurance comparison helps you save time, worry and loads of money!