Travel Insurance Direct

Travel insurance for Families

Learn more about what travel insurance can cover if travelling with the family.

What is a family travel insurance policy?


A family travel insurance policy provides cover for you, your partner or spouse and up to six children under one policy provided they are travelling with you on the same itinerary for the entire duration of your trip.

On our policies, a 'child' is used to mean your kids and grandkids who are travelling with you, not currently working more than 30 hours per week and under 21. This also includes, stepchildren and those for whom you are the legal guardian.

Why buy a family policy?


The best part is, kids go free! Children can go on a one or two-adult policy at no extra cost so you may find value in purchasing a family policy for your trip. All you have to do is add your and your partner's or spouse's, details to begin.

Having everyone under a family policy means only needing to submit a single claim if your entire family is affected by an event.

What's covered with family travel cover?

Across all of our plans, the applicable limit for benefits such as cancellation costs, out of pocket expenses, travel delay and many more is per adult listed on the policy unless stated otherwise. Have a look at our PDS to see the difference between single and family policies in terms of cover and the benefit limits available.

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Emergency assistance

If you need medical assistance at any time, our team are on call 24/7 to locate the nearest medical facility, arrange your repatriation if needed or find the closest embassy.

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Gadget cover

Our travel insurance policies offer cover for phones, cameras and laptops. If our limit doesn't provide enough cover, you can add individual items to your policy for an additional premium during the purchase process.

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Missed tours

If you have to miss an excursion because of sudden illness or injury, you may be able to claim some, if not all, of the cost back.

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Cover for rental vehicle hire excess

If you're thinking of bundling everyone into a car for a mini road trip, our travel insurance includes cover towards rental vehicle excess if your hire vehicle gets damaged or stolen.

Compare all benefits

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

The best destinations for families

Whether it’s exploring your own backyard , or travelling further afield, introducing your kids and grandkids to new experiences will be both eye-opening and enriching for you all.

Travel insurance FAQs

Am I covered for Coronavirus (COVID-19)?

Our Domestic plan includes cover for some Coronavirus related events if you get ill with Coronavirus while travelling. It does not include medical assistance, as these types of expenses are often covered by Medicare. Cover is explained in detail here.

Why can’t we add more than 2 adult travellers, even though we are from the same family?

Our policy only allows two adults per policy.

If we are on multiple policies, but we are one family travelling together, how many claims have to be submitted if it comes to that?

Depending on the event that has occurred and who has incurred the expenses, you may have to submit a claim under each policy, even if you are all from the same family. 

Can we list our kids’ friends as children on our policy?

No, children must be your own children, stepchildren, grandchildren, foster children or children for whom you are the legal guardian. 

Can we change the name of family members if one decides not come and another decides to join?

Unfortunately we can’t change policy holders, however that family member will be allowed to purchase a policy of their own as long as they’re eligible.

What are 'children'?

A 'child' on our policy means your children, stepchildren, foster children or grandchildren and those for whom you are the legal guardian who are:

  • under 21 years of age at the time the Certificate of Insurance is issue
  • working less than 30 hours per week;
  • travelling with you for the entire duration of the trip; and
  • listed as 'covered' on your Certificate of Insurance

This is a brief summary of cover only and does not include the full terms, conditions, limitations and exclusions. Read the PDS before purchasing.

Find out more about family travel insurance

All the different types of families

All the different types of families

We appreciate there are many definitions of a family, but our policy does have clear guidelines on who a dependent is. You can find out the explanations here.

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