Dependants Travel Insurance Age Limits

28 February, 2024

Going on a family holiday with the kids in tow? Did you know that your dependents are covered for free under your policy? Yippee! That means you pay no extra, no matter how far, or how long you’re going on your well-deserved break.

Each insurer in Australia varies their definition of a “dependant” but luckily for you we’ve gone ahead and researched all the differences for you.

Be sure to include any dependents in your quote and on your Certificate of Insurance so they are covered - just because they may be included at no extra cost does not mean that their details don't need to be included.

Insurer	Underwriter	Age Limit	Definition
1Cover	HDI Global Specialty SE – Australia	19
Fast Cover	Certain underwriters at Lloyd's	20	means your children or grandchildren or children or grandchildren of whom you are the legal guardian
InsureandGo	Mitsui Sumitomo Insurance Company Limited	18
Ski-Insurance	HDI Global Specialty SE – Australia	21	Your children or grandchildren not in full time employment who are under the age of 21 and travelling with You on the Journey
Tick Insurance	Mitsui Sumitomo Insurance Company Limited	18
Zoom Travel Insurance	HDI Global Specialty SE – Australia	19
AllClear	Mitsui Sumitomo Insurance Company Limited	18
Australian Seniors	Allianz Australia Insurance Limited	25
Boomers	Allianz Australia Insurance Limited	25
Budget Direct	Zurich Australian Insurance Limited	21
Cover-More	Zurich Australian Insurance Limited	21	Your children or grandchildren who are identified on the Certificate of Insurance and travelling with You on the Journey provided they are not in full-time employment
Easy Travel Insurance	Zurich Australian Insurance Limited	21
Freely	Zurich Australian Insurance Limited	21	Your children or grandchildren who are identified on the Certificate of Insurance and travelling with You on the Journey
Go insurance	Certain underwriters at Lloyd's	20
Insure4Less	Chase Underwriting Pty Ltd	20
Passport Card	Guild Insurance Limited	19/25
SCTI	Southern Cross Benefits Limited	21
Travel Insurance Direct	Pacific International Insurance Pty Ltd	21
Travel Insurance Saver	Pacific International Insurance Pty Ltd	25
Travel Insuranz	Chase Underwriting Solutions Pty Ltd	20
Webjet	Zurich Australian Insurance Limited	21
World Nomads	Pacific International Insurance Pty Ltd	20	your children or grandchildren or others for whom you are the legal guardian	who are not in full time employment
World2Cover	Tokio Marine & Nichido Fire Insurance Co. Ltd	25
Worldcare	Allianz Australia Insurance Limited	25	Your child or grandchild (including step-child adopted child foster child and child you care for under a legal guardian arrangement)

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.

Natalie Smith

Having travelled to over 40 countries, studied tourism management and worked as a flight attendant for over three years, Natalie knows more than a thing or two about travel! She’s an adventure-lover, whose favourite trips have been trekking Machu Picchu and volunteering in an animal shelter in the Amazon. Qualified in Tier 2 General Insurance General Advice and specialising in travel insurance for the last five years, she in passionate about helping travellers get the most out of their holiday.