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Why Families Love Compare Travel Insurance

Travel agents and airlines charge huge commissions. We don’t! Our family travel insurance comparison is free to use. You’ll be directed to the insurer’s website to buy travel insurance without any sneaky charges. We promise!

Purchasing one policy for the whole family (or group) is sure to be cheaper than buying individually. Whether you’re looking for a low-cost family bargain, or a fully comprehensive cover, we’ve got policies for all budgets.

Some policies cover your children for free as long as they’re under 21, not in full-time employment and named on your policy. Yippee to family holidays!

Adrenaline junkies get cover for bike riding, bungee jumping, jet skiing, white water rafting, zorbing, snorkelling, diving, …and way more! On your marks, get set, go!

Looking for travel insurance for a family with a baby? Travelling with a new baby can be daunting. Pack peace of mind and protect you and your baby with a quick quote.

Already pregnant or about to start a family? Several Aussie insurers cover mums-to-be up to 26 weeks, with some up to 32 weeks. Find out more pregnancy travel insurance top tips here.

Family travel insurance explained

Travelling with little ones in tow? Don’t leave home without a family travel insurance policy. Whether you’re looking for a basic, medical-only travel insurance policy to protect your most important asset - the health of you and your little ones - or comprehensive travel insurance which also includes extras like cancellations and luggage theft, Compare Travel Insurance is here to help.

Some insurers allow your dependants to share the adult travellers benefits, which means that often kids can be covered for free. All insurers have different rules on what constitutes a dependant though based on the child’s age, study load and housing arrangements, so it’s important to check the Product Disclosure Statement. Also be aware of any exclusions, particularly for fun adventure activities or for any pre-existing conditions within your family that might void your cover.

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Choosing family travel insurance

Looking for family holiday travel insurance for you and your children? Here’s a few questions to ask before choosing family travel cover:

Single trip or multi-trip?

The first thing to consider is whether you’re looking for family travel insurance for a single trip, or if you might need an annual multi-trip policy. If you’ve been saving for one, much-dreamed for family trip, then you may only require a single trip policy, but if your family are frequent travellers, an annual policy can cover you for as many holidays as you like, up to the maximum trip duration on your policy.

What activities and extras do you need?

Do you have an active family? Make your family holiday meets your needs. If your children like activities like hiking, scuba diving, jet-skiing, or winter sports, or you’re hiring a car, etc, make sure that you’ve got a policy that covers them, and that you’ve selected any add-ons you need.

Are you travelling with high-value electronics?

Most families these days are travelling with iPads, Nintendo Switches, iPhones and other gadgets to keep their children entertained during flights or long road trips. Check the item limits work for your needs, or whether you need to list them as high-value items.

Have you covered your medical conditions?

Making sure you have family travel insurance cover any pre-existing medical conditions you or your children have. Look for insurers who offer online medical screening for pre-existing conditions, so you can declare your family’s health conditions straight away.

Family Travel Insurance FAQs

What is considered a dependant?

Children or grandchildren travelling with you under the age of 21 can be included in the family travel insurance policy for no additional cost. However, some insurers do charge seperately for dependants, so be sure to read the PDS. Each insurer’s dependant age limit does vary between the ages of 18- 25, refer to our guide to compare the different insurers dependant age limits.

Are all travellers under 19 covered for free?

Generally, only dependants not in full time employment who are travelling with parents or grandparents are considered dependants. If a 19-year-old is travelling on their own, they need to purchase their own policy. The same rules apply for any children travelling on their own, or with adults other than their parents. They will require their own separate policy.

Am I covered by family travel insurance if I am pregnant?

Most insurers cover pregnancy up to around 22 weeks in gestation, although some cover until 32 weeks. Our pregnancy travel insurance guide provides a lot more detail on who-covers-what.

Can you get travel insurance for children travelling unaccompanied by a parent or grandparent?

Yes, most insurers do not have a minimum age, so you can get travel insurance for children travelling without their guardians, such as by themselves, or with friends or school groups. You must, however, make sure they are listed as adult travellers with full cover, rather than the dependants of their teacher, aunts and uncles or adult siblings.

What adventure sports are included in a family policy?

Most insurers cover activities like snorkelling, bike riding, golf, horse riding, kayaking for free. Although some more adventurous sports like rock climbing, abseiling, white water rafting may require you to purchase a sports-pack in order to be covered. Our activities guide provides more details on the types of activities that are covered.

Are iPads covered by travel insurance?

Mid-range or comprehensive policies include protection for all your holiday gadgets. Total luggage cover tends to vary between $2,000 - $15,000 so make sure you pick a policy which includes enough luggage cover for all your exxy items. Remember single item limits apply - so when you’re claiming you may only be able to claim for up to $750 per item. If you have an expensive watch or camera you want to take on your holiday, make sure you tell your insurer. You may need to insure it separately as a high-value item.

We're renting a car - are we covered for rental vehicle excess?

Some travel insurance policies cover the excess or deductible which you become legally liable to pay under your car hire agreement should you have a ding or scape. Look for ‘rental vehicle excess’ as a benefit when comparing policies.

Are water parks covered?

Yes, there’s no need to mention to an insurer that you intend to visit a water park. If you have a slip on the slides and needed to see a doctor your medical bills would be covered.