Family travel insurance just refers to a travel insurance policy that covers multiple people with kids. Typically this will be parents and children, but if you have a policy that covers a few adults plus a couple of kids, you might also consider it a family policy.
Family travel insurance policies are actually great, for a few reasons:
Taking out a single travel insurance policy for the entire family is usually a cheaper and more convenient option. The only thing you need to consider is benefit limits. If you're worried it's not enough, look at insurers such as Cover-More and SCTI. They often let you choose your limits.
Gary Ross Hunter
Finder's insurance and innovations editor
Family travel insurance plans offer the same sort of cover and benefits as standard travel insurance plans. The difference is that the protection and benefits apply to the whole family rather than just to a single person. It can cover
Honestly, there aren't really any downsides of getting a family travel insurance policy. They're cheaper and easier than individual policies, which is a rare combination. If we're being super critical, here's are some of the only things to think about:
Most insurers will let your dependants go free. The following table shows which brands will cover your dependants for free, how many dependants they will allow and what their definition of a dependant is.
| Brand | Maximum Age To Qualify | Conditions |
|---|---|---|
 | 20 | Will cover children or grandchildren who are listed on policy, financially dependent on the policy holder, and not in full-time employment |
 | 20 | Will cover children or grandchildren who are listed on policy, financially dependent on the policy holder, and not in full-time employment |
 | 18 | Will cover children or grandchildren who are listed on policy, not in full-time employment and travelling with policy holder for 100% of the journey. |
 | 20 | Will cover children or grandchildren where the policy holder is the legal guardian. The dependent, must be listed on the policy, not in full-time employment and travelling with policy holder for 100% of the trip itinerary. |
 | 18 | Insure4less doesn't list many details of dependent coverage in the PDS, but we ran several quotes that covered people aged up to 18 years at no additional cost. Your quote may vary, so you should generate a quote to find an estimated cost. |
 | 18 | Travel Insuranz doesn't list many details of dependent coverage in the PDS, but we ran several quotes that covered people aged up to 18 years at no additional cost. Your quote may vary, so you should generate a quote to find an estimated cost. |
 | 17 | Will cover children or grandchildren (including fostered or adopted children) who are financially dependent on policy holder. |
 | 17 | Will cover children or grandchildren (including fostered or adopted children) who are financially dependent on policy holder. |
 | 25 | Will cover children, stepchildren, foster children or grandchildren that are listed on policy, financially dependent on policy holder, not in full-time employment and travelling with policy holder for the entire trip. |
 | 20 | Will cover children or grandchildren who are listed on policy, financially dependent on the policy holder, and not in full-time employment |
 | 20 | Will cover children, stepchildren, foster children, and grandchildren who are unmarried, listed on the policy, financially dependent on policy holder and not in full-time employment. |
 | 24 | Will cover children, stepchildren, foster children, and grandchildren where the policy holder is the legal guardian. Dependents should be travelling with the policy holder on the same itinerary for the entire trip, must be listed on policy and working less than 30 hours per week. |
 | 20 | Will cover children or grandchildren who are listed on policy, financially dependent on the policy holder, and not in full-time employment |
 | 20 | Will cover children or grandchildren who are listed on policy, financially dependent on the policy holder, and not in full-time employment |
 | 24 | Will cover children, stepchildren, foster children, and grandchildren where the policy holder is the legal guardian. Dependents should be travelling with the policy holder on the same itinerary for the entire trip, must be listed on policy and working less than 30 hours per week. |
 | 17 | Stella doesn't list many details of dependent coverage in the PDS, but we ran several quotes that covered people aged up to 17 years at a small additional cost - in our example quotes the extra cost was about $2 for the policy. Your quote may vary, so you should generate a quote to find an estimated cost. |
 | 20 | Will cover children, stepchildren, foster children, and grandchildren where the policy holder is the legal guardian. Dependents should be travelling with the policy holder on the same itinerary for the entire trip, must be listed on policy and working less than 30 hours per week. |
 | 17 | Travel Protect doesn't list many details of dependent coverage in the PDS, but we ran several quotes that covered people aged up to 17 years at a small additional cost - in our example quotes the extra cost was about $2 for the policy. Your quote may vary, so you should generate a quote to find an estimated cost. |
 | 17 | Wise and Silent doesn't list many details of dependent coverage in the PDS, but we ran several quotes that covered people aged up to 17 years at a small additional cost - in our example quotes the extra cost was about $2 for the policy. Your quote may vary, so you should generate a quote to find an estimated cost. |
 | 20 | Will cover children or grandchildren who are listed on policy, financially dependent on the policy holder, and not in full-time employment |
 | N/A | Only includes any accompanying infants under two years of age. |
 | 20 | Will cover children or grandchildren who are listed on policy, financially dependent on the policy holder, and not in full-time employment |
 | N/A | AllClear doesn't list many details of dependent coverage in the PDS, but we ran several quotes that covered people aged up to 17 years. We couldn't find any obvious discounts for dependents. |
Note: This information was last updated December 2024
You can't rely on Medicare in most foreign countries, so you'll need a back-up plan. That's pretty much what basic travel insurance policy is – your medical insurance for overseas visits. Most policies will offer unlimited emergency medical assistance and unlimited emergency medical and hospital expenses for every family member listed on your policy. You may also get some money towards emergency dental expenses as well as some personal liability insurance, which will cover you if you damage something or injure someone.
A basic policy will not usually cover you for anything else. So if an airline loses your luggage, a cyclone at your destination causes you to cancel your trip or a thief makes off with your wallet, credit cards and passport, you'll be out of luck.
A comprehensive policy will include the same (or better) medical cover as a basic policy, but it also covers you for a much wider range of situations including:
Each insurer treats these a little differently and may offer a few additional forms of cover, so check with a few to see what they offer and what the benefit limits are.
Plan to travel while pregnant? Read about the type of cover available for pregnant travellers of up to 32 weeks.
Want to make sure you're covered in case your relative falls ill or passes away at home while you're travelling? Read more.
Hi there. Do you offer travel insurance cover for a Sleep Apnoea machine please? Thank you
Hi Susan,
Finder doesn’t offer travel insurance – we only compare. However, you may be able to get covered for your sleep apnoea machine if its lost or stolen on your trip. Just let the insurer know you want the machine covered in your policy.
Thanks,
Gary
Do you cover younger people – my daughter is early 40’s and I wondered if she would be eligible.
Hi Linda,
Thanks for your question.
You wouldn’t be able to cover your daughter as a child, most insurers have a cut-off of around 21. However, you can still get a family policy. If you fill out the travel insurance quote form, you will be able to get an estimate for cover and then choose a policy that is suitable for you.
I hope this was helpful,
Richard
Sorry I must not have made my question clear. I am not travelling with my daughter. She is going to Fiji with her husband in April for her honeymoon. As a senior I have used Cota travel insurance. I was asking the question. Does Cota cover people who are under 50 – she is 41.
Hi Linda,
Thanks for your question and sorry for the confusion. No, your daughter will need to purchase her own policy.
I hope this was helpful,
Richard
Hi, in the page:
https://www.finder.com.au/travel-insurance/family-travel-insurance
why is there a sub-section on life insurance? Is this a typo?
Regards
John
Hi John,
Thank you for your comment. This is indeed a typo and has been amended. Thank-you so much for pointing this out for our editorial team. We pride ourselves on constantly reviewing and improving content on the Finder site but mistakes can still happen!
Thanks again and all the best.