Children and Families

TID covers your dependent children and grandchildren for FREE when they are travelling with you on your trip.

Dependent children (including children for whom you are the legal guardian) or grandchildren are covered provided they are under 21 years old at the date you purchase your policy, are working less than 30 hours per week, are travelling with you on the same itinerary as you for your trip and are listed on your Certificate of Insurance.

Children will need their own policy under the following circumstances:

  • if they aren't travelling with you on the same itinerary;
  • they are travelling on their own without parents or grandparents;
  • you are not their legal guardian;
  • they are 21 years or older;
  • they are under 21 but work over 30 hours per week.

Note: Benefit limits apply per adult traveller and are not increased for accompanying children. Dependent children have the same benefits as their parents/grandparents who are listed on the policy and will be covered for medical, cancellation, additional expenses and all their gear and gadgets within the normal terms and conditions of the policy. 

The policy terms and conditions related to existing medical conditions also apply to dependents. 

Children who are of minor age under the age of 18 and need their own policy must have a parent accept the terms and conditions and purchase their policy on their behalf.  

New baby on the way?

If you are planning a trip after your baby is born you can always add their details to the policy later on. Please call our Customer Service team to arrange this for you.

Adopting a child overseas

If you are travelling to collect your adopted child/ren, congratulations! To be covered under the policy, your adopted child/ren must still meet our residency requirements. If they don't then you may wish to consider as they cover travellers from over 100 different countries.

Please refer to the PDS available on our website for the full terms, conditions, limitations and exclusions that apply. 

Last updated: 25 March 2021

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