Travelling with children in tow is an adventure full of priceless family bonding and memory making. When considering children’s welfare on holidays, travel insurance can take on a completely new level of importance. We also understand that travelling with children is expensive enough, so if you're planning to holiday with your children or grandchildren (who are under 18), we cover them at the same level of cover as you (except a lower compensation limit in the event of death) at no extra charge.
If you travel as a couple, then you are entitled to a travel insurance discount of 10% (automatically calculated during the purchase process). Make sure you select ‘couple or family’ to take advantage of your discount. We define a ‘couple’ as two people over the age of 18 who live together at the time of purchasing the insurance who are either: husband and wife or fiancé and fiancee or de-facto partners of either sex.
When selecting travelling as a family, please keep in mind that all family members must leave and return to Australia together.
One of the best reasons to purchase your family travel insurance through InsureandGo is the fact we allow you to include unlimited dependent children or grandchildren up to the age of 17 on your policy free of charge.
InsureandGo offers affordable and comprehensive travel insurance policies. With InsureandGo you’ll be backed by an industry leader that offers an expansive 24/7 global assistance network with over 31,500 points of assistance across all continents. We offer 3 levels of cover to choose from, allowing you and your family to select the coverage that best suits your needs. If you’re a family that likes to travel often, we have annual multi-trip policies in addition to our single trip policies that may be able to save you even more on your family travel insurance.
Our family insurance policies provide coverage for:
We also offer a range of policy upgrades that can help provide coverage for winter sports, business, golf and natural disasters.
If you’re expecting a child, InsureandGo also offers travel insurance for pregnant mothers. This provides coverage for pregnancies up to 30 weeks for single babies, and 20 weeks for multiples, regardless of whether you used IVF or not. InsureandGo makes it easy to obtain travel insurance for expectant mothers who wish to travel. Although our policies do not offer cover for babies born overseas, they do provide cover for medically certified pregnancy-related trip cancellations, like emergency childbirth coverage up to 30 weeks (single) and 20 weeks (multiples), and medical expenses for specific pregnancy-related complications depending on the level of cover you select.
Travel insurance for your family is especially important for international travel, as these holidays are often longer in duration and include a more complex itinerary. This often equates to a greater chance of travel disruptions occurring such as travel delays and lost bags or personal belongings.
Of course, one of the greatest benefits of international travel insurance is having coverage for unlimited overseas medical expenses and emergency medical evacuation. The cost of medical treatment can prove to be extremely costly in many countries.'
Our international family travel insurance plans will once again cover your children or grandchildren at the same level of cover as you for no additional charge.
Travel disruptions can also occur when travelling domestically. While you may think travelling throughout Australia is safer, flights can still be cancelled or delayed, accommodation can be affected by severe weather or natural disasters, luggage can be lost, and driving accidents can occur while driving a rented vehicle.
InsureandGo’s domestic travel insurance provides cover for families for a wide range of unfortunate travel incidents, such as needing to cancel your trip before departure (for qualifying reasons), cutting your trip short (for qualifying reasons), expenses incurred from travel delays, lost or stolen luggage, delayed luggage, personal liability, and rental car excess depending on the level of cover you select.
While we try to provide as much comprehensive coverage as possible for our family, there are a few exclusions to be aware of. We encourage our customers to read the Product Disclosure Statement (PDS) that applies to your chosen type of policy.
You must be in Australia at the time of purchasing your travel insurance as we are unable to offer you new or different insurance while you already started your trip. You may, however, be eligible to extend the dates of your existing cover if you contact us during your travels.
These are certain instances where you may not be covered under your travel insurance during your travels:
It is important to note that our domestic policies do NOT provide coverage for medical expenses incurred during your trip. You may find coverage through Medicare or your private health insurer. However, we do offer limited compensation for permanent disablement or death with our Silver and Gold policies.
Remember that in order to gain coverage for things like winter sports, business, or natural disasters. You must purchase the appropriate InsureandGo insurance upgrade option and upgrade option must be shown on your policy schedule.
Travel insurance policies for a group differ from family policies in that travellers don’t need to be related to one another to be included on the same policy. You may want to look into a policy for a group if you will be travelling with a number of adults.
All members of a policy bought as a group must simply be travelling together and not be booked on separate flights. A policy for a group is a great option when a single policy and its level of cover is ideally suited to all those listed on the policy.
Simply select 'Family' in the quote box and you will be able to add all members. Then select the trip type that best describes your journey.
The age of the dependent child is determined at the point of purchase, not travel. This means, that even if the child turns 18 the day after purchasing a policy, he/she is still covered for free as a dependnt with the same level of coverage as the primary policy holder.
We define 'couple' the same way that it is defined in Australian law: either two people who are married to each other, or two people in a defacto relationship who have been living together for six months or longer.
The Family/Couple traveller option is only valid for parents and grandparents and their dependent children (under 18) travelling together. If this is not the case, you are welcome to be on the same policy, however, you will need to select Individuals option.
In order for everyone to be covered under the same policy, all parties need to be leaving and returning to Australia together, and spending at least 50% of the trip together. If this is not the case, you will need to have separate policies for these dates. Children need to be supervised by an adult during the trip.
You may cover an unlimited number of dependent children on your travel insurance policy at no additional premium cost, if you have selected the Single or Family Cover Policy Type. The Couple Cover Policy Type does not provide any cover for dependent children. Note – "dependent children" is defined as "Your financially dependent children or grandchildren (including fostered or adopted children or grandchildren) who are under 18 years of age and who are named on the Policy Schedule."