Family travel insurance can be one of the best-value policies available, many insurers offer to include children at no extra cost. But not all family policies are created equal. Here’s what to look for.
What Makes a Good Family Policy?
- Children covered free, Most major Australian insurers cover dependent children (usually under 18) at no extra cost on a family policy.
- High cancellation cover, Family holidays involve more upfront costs (accommodation, flights, tours). Higher cancellation limits are important.
- Medical cover for kids, Children can get sick quickly. Ensure the policy has no per-person sub-limits for medical claims.
- Luggage limits, Families travel with more stuff. Look for combined baggage limits rather than per-person limits.
Top Tips for Family Travel Insurance
- Declare any pre-existing medical conditions for every family member.
- Check if the policy covers “cancellation due to a family member’s illness”, not just the policyholder.
- If travelling with a baby or toddler, check if nappy rash, teething, or ear infections are covered.
- Compare the per-person vs. family premium, often a family policy is significantly cheaper per person.