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Family Travel Insurance

Travel Insurance for the Whole Family

Travelling with your family creates unforgettable memories – but it also comes with some additional considerations. That's where InsureandGo Australia’s family travel insurance steps in, offering comprehensive coverage whether you're exploring domestically or venturing internationally.

With one straightforward policy, everyone's covered under the same plan, giving you added peace of mind without the hassle of multiple policies. We also understand that family holidays are expensive, which is why children and grandchildren under 18 are covered free¹. If you’re travelling as a couple or family, you’ll also receive a 10% discount automatically when purchasing your policy.

Why choose InsureandGo Australia for your family travel insurance?

Family holidays don't always go to plan. From unexpected medical emergencies abroad to trip cancellations and lost luggage, unforeseen events can quickly derail your getaway. Family travel insurance prepares against these disruptions, ensuring you're covered when it matters most.

The beauty of a family policy? Everyone travels under one plan, covering two adults and all children or grandchildren under 18 living at the same address, provided they are financially dependent and named on the policy.

Why Travel With Us for a Family Trip?

Unlimited overseas medical expenses

Pregnancy cover for up to 30 weeks

Cover up to 100 years of age (Cruise and Bare Essential Policies cover up to 79 years of age)

Unlimited dependent children up to the age of 18 insured for free*

Award winning travel insurance company

24 hour emergency assistance

Choose Your Annual Multi-Trip Travel Insurance Policy

InsureandGo Australia offers different levels of coverage – Bare Essentials, Silver and Gold – so you can choose the coverage that best suits your family’s needs, whether you’re travelling in Australia or overseas. You can choose from Single-Trip, Multi-Trip, and Cruise policies, with the option to add additional cover for activities plus, natural disasters, winter sports or business and vary your excess as needed.

Bare Essentials

Keep your family prepared with Bare Essentials coverage, including cancellation, overseas medical expenses, personal liability, emergency expenses and baggage cover – ensuring the basics are covered.

Silver

Includes everything in the Bare Essentials plan, plus higher cancellation limits, travel delay expenses, rental car excess waiver and more – giving your family greater protection throughout your journey.

Gold

Includes all Silver benefits with higher coverage limits, and additional cover for hijacking, pet care and resumption of journey – our most comprehensive family travel insurance for added peace of mind.

Family Travel Insurance Benefits

10% couple and family discount²

When you choose a couple or family policy with InsureandGo Australia, a 10% discount is automatically applied at checkout – making it a more cost-effective option than buying individual policies.

Kids covered free of charge

Travelling with the kids? Dependent children under 18 can be included at no extra cost when travelling with their parents or grandparents, provided they are financially dependent and named on the policy.

Flexible family options

Cover your whole family under one policy, with flexible options to choose your level of cover, add extras, and adjust your excess to suit your travel plans.

24/7 emergency assistance

Travel with added peace of mind, knowing your entire family is covered by a 24/7 global assistance team. InsureandGo Australia is backed by Europ Assistance, giving you access to more than 750,000 assistance providers in over 200 countries. Call us any time: +61 293 333 999

Quick & easy online claims process

Making a claim with InsureandGo Australia is simple – just log in to our eClaims portal, upload your supporting documents, and submit within 30 days of your trip, or download a claims form and email it to claims@insureandgo.com.au

Policy upgrades for enhanced protection

Enhance your policy with optional add-ons designed to match your specific travel plans, ensuring you’re covered for whatever your family holiday has in store.

Natural disasters

Prepare for the unexpected with coverage for trip cancellation due to natural disasters, plus emergency expenses and travel delay costs if Mother Nature disrupts your plans.

Winter sports

Heading to the slopes? Add winter sports cover for equipment, equipment hire, lift passes, ski packs, piste closure and avalanche cover.

Business

This add-on covers business equipment, emergency courier expenses, equipment hire, business money and staff replacement costs – keeping you protected while balancing work and family time.

How to get a Quote

1. Visit our online quote tool

Select your trip type, destination, dates and who is travelling with you and their age.

2. Choose your plan

Review the inclusions and coverage amounts and choose a level of cover which is right for your family.

3. Review excess and upgrades

Add any extra cover your family might need for things like winter sports or business cover.

4. Add your personal information

We’ll need the policyholder’s information, along with any pre-existing medical conditions your family may have.

5. Review quote, accept declaration and pay

Once you’re happy with the quote, accept the declarations and follow the steps to complete payment. We can also email you the quote to pay later. Note: the family or couple discount will be automatically applied to your quote!

6. Set off on your trip!

You can now depart with an added layer of protection if things don’t go to plan.

Get a Quote Now!

What’s covered under InsureandGo Australia’s family travel insurance?

Overseas medical or hospital expenses

Unlimited coverage for reasonable medical costs for every family member on the policy, including hospital stays, surgeries and emergency repatriations.

Trip cancellation or interruption

Coverage for unrecoverable travel costs if your family trip is cut short or cancelled.

Lost, stolen, or damaged luggage and personal items

Compensation for lost, stolen or damaged luggage and personal belongings for all family members during your trip.

Personal liability

Coverage against legal liability for bodily injuries or property damage to others caused by you or your family members while travelling.

COVID-19 benefits

Coverage for cancellation, trip disruption or medical expenses outside of Australia due to COVID-19.

Please note: These benefits are a summary. Please see our Product Disclosure Statement (PDS) for full terms and conditions.

Most Common Questions

Are my children covered under InsureandGo Australia’s family policy?

Dependent children or grandchildren under 18 can be included on a family policy at no extra cost, provided they are financially dependent and named on the policy. A family policy covers two adults in a partner relationship and their dependent children or grandchildren. No cover is available for children who are born overseas during your 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.

Do I need to get travel insurance for my adult children?

Only dependent children aged 17 or below are eligible for free cover. If your children are 18 or older, they’ll need to be covered as adults and included on the policy separately, whether or not you’re travelling as a family.

All dependent children will need to be listed on your policy as an insured person, whether they are under or over the age of 18.

Who qualifies as a couple or partner on an InsureandGo Australia policy?

A couple policy covers two adults in a partner relationship. A partner is someone over 18 who lives with you at the time of purchase and is your spouse, fiancé or de facto partner, and is named on the policy.

What is the maximum duration covered under the family policy?

The maximum trip duration depends on your age and travel destination. For full details on trip duration limits that apply to your family under your InsureandGo Australia policy, please refer to the Product Disclosure Statement (PDS).

Who qualifies as a couple or partner on an InsureandGo Australia policy?

Pre-existing medical conditions are not automatically covered. However, you can apply for cover for pre-existing conditions, and if accepted, and the applicable premium is paid, you may be covered for claims arising from that condition.

Cover is not available for conditions you're experiencing symptoms of but haven't yet been diagnosed, travel against medical advice, or terminal conditions expected to result in death before your trip ends. For full terms and exclusions, please refer to the Product Disclosure Statement (PDS).

Does the policy cover domestic and international travel?

Yes, InsureandGo Australia’s family travel insurance offers comprehensive coverage for both domestic travel, international trips, and cruises. When you get a quote, simply select the trip type that matches your travel plans.

Can I save money with a family travel insurance policy?

Yes. Purchasing a couple or family policy can be more cost-effective than buying individual policies. A 10% discount is automatically applied when you select a couple or family policy, and dependent children under 18 can be included at no extra cost, provided they are named on the policy.

How do I make a claim if something goes wrong during our trip?

It’s easy to make a claim online with InsureandGo Australia.

Log in to our eClaims portal to start your claim.
Upload your supporting documents, such as receipts for emergency expenses, police reports for stolen items, airline correspondence for delays or lost baggage.
Submit your claim within 30 days of your trip ending.

Alternatively, you can download a claims form and email it along with your supporting documents to claims@insureandgo.com.au

If you need any help, our team is here to guide you through the process.

Can I customise my policy with additional coverage?

Yes, you can tailor your policy by selecting your trip type, destination, level of cover (Bare Essentials, Silver or Gold), and excess. Optional add-ons are also available, including activities plus, natural disasters, winter sports and business cover.