Going on a family holiday with the kids in tow? Did you know that your dependants are covered for free under your policy? Yippee! That means you pay no extra, no matter how far, or how long you’re going on your well-deserved break.
Each insurer in Australia varies their definition of a “dependant” but luckily for you we’ve gone ahead and researched all the differences for you.
Be sure to include any dependants in your quote and on your Certificate of Insurance so they are covered - just because they may be included at no extra cost does not mean that their details don’t need to be included.
Show comparison table
| Insurer | Underwriter | Age Limit | Definition | ||
|---|---|---|---|---|---|
 | HDI Global Specialty SE – Australia | 19 | Your children or grandchildren not in full time employment who are under the age of 19 and travelling with You on the Journey and are named on the Certificate Of Insurance. | ||
 | Mitsui Sumitomo Insurance Company Limited | 18 | Your children under 18 years of age | ||
 | Allianz Australia Insurance Limited | 25 | your child or grandchild (including step-child adopted child foster child and child you care for under a legal guardian arrangement) and who are not in full-time employment accompanying you on the journey; and aged under 25 years at the time of issue of your Certificate of Insurance | ||
 | Allianz Australia Insurance Limited | 25 | your child or grandchild (including step-child adopted child foster child and child you care for under a legal guardian arrangement) and who are not in full-time employment accompanying you on the journey; and aged under 25 years at the time of issue of your Certificate of Insurance | ||
 | Zurich Australian Insurance Limited | 21 | Your children or grandchildren who are identified on the Certificate of Insurance and travelling with You on the Journey provided they are not in fulltime employment they are financially dependent on You and they are under the age of 21 years. | ||
 | Zurich Australian Insurance Limited | 21 | Your children or grandchildren who are identified on the Certificate of Insurance and travelling with You on the Journey provided they are not in full-time employment | they are financially dependent on You and they are under the age of 21 years | |
 | Zurich Australian Insurance Limited | 21 | Your children or grandchildren who are identified on the Certificate of Insurance and travelling with You on the Journey provided they are not in full-time employment they are financially dependent on You and they are under the age of 21 years | ||
 | Certain underwriters at Lloyd's | 20 | means your children or grandchildren or children or grandchildren of whom you are the legal guardian | ||
 | Zurich Australian Insurance Limited | 21 | Your children or grandchildren who are identified on the Certificate of Insurance and travelling with You on the Journey | provided they are not in full-time employment they are financially dependent on You and they are under the age of 21 years | |
 | Certain underwriters at Lloyd's | 20 | means your children or grandchildren or children or grandchildren of whom you are the legal guardian not in full time employment who are aged 20 and under and travelling together with you for 100% of the trip itinerary. | ||
 | Chase Underwriting Pty Ltd | 20 | means your children or grandchildren or children or grandchildren of whom you are the legal guardian not in full time employment who are aged 20 and under and travelling together with you for 100% of the trip itinerary. | ||
 | Mitsui Sumitomo Insurance Company Limited | 18 | 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. | ||
 | Guild Insurance Limited | 19/25 | Your unmarried child(ren) (including step or legally adopted children) who is under 19 years of age; or is under 25 years of age and a full-time student at an accredited institution of higher learning; and at the time of an event giving rise to a claim is primarily dependent upon You for maintenance and support and is travelling with You on the Journey. | ||
 | Southern Cross Benefits Limited | 21 | Your children stepchildren foster children and grandchildren who are under 21 years old at the date your insurance starts. They must also: be unmarried not be in full-time employment be financially dependent on at least one adult listed on your Certificate of Insurance (a child is not financially dependent if you’re only covering their finances while on the journey). | ||
 | HDI Global Specialty SE – Australia | 21 | Your children or grandchildren not in full time employment who are under the age of 21 and travelling with You on the Journey | and are named on the Certificate Of Insurance. | |
 | Mitsui Sumitomo Insurance Company Limited | 18 | 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. | ||
 | Pacific International Insurance Pty Ltd | 21 | your children stepchildren grandchildren foster children and children for whom you are the legal guardian who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:under 21 years of age and working less than 30 hours per week. | ||
 | Certain Underwriters at Lloyds | 18 | your children stepchildren grandchildren foster children and children for whom you are the legal guardian who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are: under 25 years of age and working less than 30 hours per week. | ||
 | Chase Underwriting Solutions Pty Ltd | 20 | means your children or grandchildren or children or grandchildren of whom you are the legal guardian not in full time employment who are aged 20 and under and travelling together with you for 100% of the trip itinerary | ||
 | Zurich Australian Insurance Limited | 21 | Your children or grandchildren who are identified on the Certificate of Insurance and travelling with You on the Journey provided they are not in full-time employment they are financially dependent on You and they are under the age of 21 years. | ||
 | Pacific International Insurance Pty Ltd | 20 | your children or grandchildren or others for whom you are the legal guardian | who are not in full time employment | are 20 years old or younger at the time you buy or extend your policy are travelling with you for the majority of the trip and are listed as covered on your Certificate of Insurance. |
 | Allianz Australia Insurance Limited | 25 | Your child or grandchild (including step-child adopted child foster child and child you care for under a legal guardian arrangement) | and who are: not in full-time employment accompanying you on the journey; and aged under 25 years at the time of issue of your Certificate of Insurance. | |
 | Tokio Marine & Nichido Fire Insurance Co. Ltd | 25 | Your children stepchildren foster children or grandchildren who are: • aged 25 years or younger at the time You buy Your policy; financially dependent on their parents or grandparents and not working full time; travelling with You for Your entire Trip; listed on the Certificate of Insurance as Your Dependent; and whilst on Your Trip is dependent on an Adult listed on Your Certificate of Insurance | ||
 | HDI Global Specialty SE – Australia | 19 | means your children or grandchildren not in fulltime employment who are under the age of 19 and travelling with you on the journey and are named on the certificate of insurance. |
General Advice Warning: The contents of this article were accurate at the time of writing. Insurers change their policies from time to time, so some information may have changed. You should always read the Product Disclosure Statement of your chosen insurer to understand what is covered and what isn’t. The information provided is of a general nature only and does not take into account any personal objectives, financial situation or needs. Before making a decision you should consider the appropriateness of the information having regard to your personal circumstances.
