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Travel Insurance Direct

Travel insurance for Families

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

Travelling with your family can create memories you’ll remember long after the kids have left home. Whether you plan to enjoy a relaxing cruise in the South Pacific or want to visit the ski and winter wonderland of Alberta, Canada , it’s always a good idea to consider purchasing travel insurance. This way you and your loved ones have cover in case something unexpected happens.

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. All parties are included under one policy provided they are travelling with you on the same itinerary for the entire duration of your trip.

On our policies - The Works, The Basics, Domestic, and Annual Multi Trip - a 'child' is defined as your kids and grandkids who are travelling with you; not currently working more than 30 hours per week; and under the age of 21. Dependent children include stepchildren and those for whom you are the legal guardian.

Why buy a family travel insurance policy?

Well, in three words … kids go free! Children can go on a one or two-adult policy at no extra cost so you may find additional value in purchasing a family policy for your trip, and who isn’t looking for savings right? All you have to do is add yours 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 insurance cover?

Across all of our travel insurance 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 different 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 local and international destinations for families

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

Consider the following destinations for a variety of fun-filled family adventures:

Need more tips, ideas and advice on family travel? Check out some of our guides to family travel below:

Travel insurance FAQs

What if I have a 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 after the fact. Please call our Customer Service team to arrange this for you.

Am I covered for Coronavirus (COVID-19)?

Our Domestic travel insurance 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.

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. The Product Disclosure Statement (PDS), which can be found in the TID Policy Hub, is your insurance go to page. Not only does it provide all the information about a policy, but it also includes definitions that assist you in navigating through the insurance process.

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 need 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 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 policyholders, 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.

Need a hand?

Our  Customer Service team is always available to help you to understand the policy, what you may be covered for and any documentation you need to pick up along the way.

Our travel safety team at TID work to keep customers informed and publish information on major events on our website. For more information relating to Children and Families cover, check out the TID policy detail.

This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.

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.

Find out more
Top travel tips for families travelling on a budget overseas

Top travel tips for families travelling on a budget overseas

Be covered without breaking the bank on your next family holiday abroad.

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Seminyak is one of the most popular getaway spots for families. These are the top 5 family-friendly activities to do there.

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