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Family Travel Insurance

We love Australian family holidays. That's why we cover dependants and kids at no extra cost when they're travelling with parents or grandparents.

Travel Alerts:

Coronavirus

 

What are the benefits of Family Travel Insurance?

With 1Cover, you can travel with your whole family on one convenient policy. And, whether you’re going overseas, or road tripping around Australia, your kids and grandkids (otherwise called ‘dependants’) are covered at no extra cost* on your policy.

Dependant children are classed as under 19 and travelling with their parents or grandparents for their whole trip. Please see the PDS for limits and exclusions, as well as all terms and conditions.

Kids Go Free

Kids Covered
For No Extra

Add your kids & grandkids (ie. your dependants*) to your policy for no additional cost. Only adults are charged on each policy. See the PDS for details. 

Unlimited Trips In One Year

Domestic & international 

Whether you’re travelling around Australia or going round the world with your family, we have different policies to suit you and your loved ones.

Unlimited Cancellation

Unlimited Cancellation

You may have to cancel or switch things around at times, and we can cover for cancellation fees or lost deposits.

Rental Vehicle Excess

Extra Accommodation

 If you need to extend or shorten your journey, we can provide up to $50,000. Please see the PDS for details. 

Unlimited Cancellation

Alternative 
Transport 

  • .You might need emergency alternative transport to make sure you get to important events on time - and this is where we can help. 
  •  
Activities Cover

Family
Ski Cover

Going to the snow for skiing fun with the family? Then choose the winter sports add-on to ensure you and your family are properly covered. 

Travel On One Policy

Family
Cruise Cover

 Before you head off on your cruise, make sure you add the Cruise Pack Add-On so that you and the kids are safe and are medically covered while you’re at sea.

 

Luggage & Personal Effects Cover

Extra Cover for valuables

  • If you're planning to take High Value Items on your family trip, you can choose this add-on when buying your family travel insurance. 

 

Read the full policy wording in our Product Disclosure Statement for more details, including full terms and conditions. Limits and exclusions apply.

*Dependants are classes as children or grandchildren not in full time employment who are under the age of 19 and are travelling with you on your trip. For policies purchased before the 19th Feb 2019, the age of a dependant was defined as 21 and under.
 

This page was last updated on: 18 February 2020

Travel Insurer Of The Year 2019

Table Of Benefits - Family travel Insurance

Decide on what’s the best travel insurance for you and your family. Explore our table of benefits below to compare with other travel insurers. 

Policy Benefit Comprehensive/ Frequent Traveller
(per adult)

Medical Only
(per adult)

Medical
   

Overseas Emergency Medical Assistance^

Unlimited

Unlimited

Overseas Emergency Medical & Hospital Expenses^*

Unlimited

Unlimited

Includes Dental Expenses (per adult)^

$1,000

$500

Resumption Of Journey^*

$3,000

x

Hospital Cash Allowance^*

$5,000

x

Accidental Death*

$25,000

x

Permanent Disability^*

$25,000

x

Loss of Income^*

$10,400

x
Luggage
   

Credit Card Fraud & Replacement^

$5,000

x

Includes Travel Documents & Traveller's Cheques^

Yes

x

Theft Of Cash^#

$250

x

Luggage & Personal Effects*

$15,000

x

Luggage & Personal Effects Delay Expenses^

$250

x
Cancellation
   

Additional Accommodation & Travel Expenses*

$50,000

x

Includes Family Emergency*

Yes

x

Includes Emergency Companion Cover*

Yes

x

Cancellation Fees & Lost Deposits*

Unlimited

x

Disruption Of Journey*

$2,000

x

Alternative Transport Expenses^

$5,000

x
Ancillary
   

Personal Liability#

$5 million

$5 million

Domestic Pets^*

$500

x

Domestic Services^*

$500

x

Rental Vehicle Insurance Excess#*

$5,000

x

** A 5% "Online Discount" is automatically applied when you purchase a policy online through the website at www.1cover.com.au for Comprehensive, Medical, Essentials, and Domestic policies; or

## A "Campaign Discount" applies to Comprehensive, Medical, Essentials, and Domestic policies purchased from 06/01/2020 and is ongoing until withdrawn by 1Cover. The Campaign Discount is available to customers with a valid Campaign Code who purchase online or over the phone. Discounts apply to Frequent Traveller (Annual) policies purchased from 22/08/2018. This discount cannot be used in conjunction with any other offer. For full competition terms & conditions, visit www.1cover.com.au/annual-policy-promotion-terms.

Note that only one discount applies at any one time. All discounts apply to the travel insurance premium (including GST and stamp duty but excluding any additional premium payable for a Pre-Existing Medical Condition). Discounts cannot be used in conjunction with any other offer. Discounts have no cash or refund value, except when redeemed in accordance with these terms and conditions. Discounts cannot be applied to any policies already purchased. The decision to offer a discount is at the sole discretion of 1Cover Travel Insurance. We reserve the right to withdraw any discount offers without notice. Before you buy a policy, please read the Product Disclosure Statement for full terms and conditions to ensure that the particular policy meets your particular needs. For all 1Cover Competition Terms & Conditions, please visit https://www.1cover.com.au/competition-terms/.


This is a brief summary of cover only and does not include full terms, conditions and exclusions. Sub-limits may also apply. Please read the policy wording in the PDS.

Unless otherwise specified in the PDS: Sections 12, 12A, 12B, 13 and 14 - If you claim for the same or similar cancelled services/facilities or alternative arrangements under sections 12, 12A, 12B, 13 and 14, we will only pay the higher of the two amounts, not both. Benefit limits are per adult traveller. For accompanying dependants the policy benefits are shared with the adult traveller.

^^ You only have this cover for these sections if the relevant pack has been purchased.
*  Sub-limits apply
^  You do not have cover under these sections while travelling in Australia.
# Limits are per policy regardless of persons the claim relates to.

 

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Optional Coverage

Cruise Pack

Cruise Pack 

Going on a cruise with your family? Even when you’re cruising in Australian waters, you won’t be covered for medical costs on board. Make sure you keep you and your family safe with our Cruise Pack. See the PDS for full details.

Read More
Winter Sports Pack

Winter Sports Pack

Skiing is a popular family holiday, but snow sports can also be dangerous. If you’re hitting the slopes with the family, you can choose the Winter Sports Pack, which covers winter sports activities such as skiing and snowboarding. See the PDS for full details. 

Read More
Rental Car Cover

Additional rental Vehicle Excess

Most of 1Cover’s policies protect you with up to $5000 in rental vehicle excess cover. But if you’re hiring a car to take the family around, you have the option of increasing this cover to $8,000.

 Read More

 

We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5 by over 1565 reviews on

Why do you need Family Travel Insurance? 

Isabella's Story

“They’ve got no idea..it can save your life.”

Watch the emotional story of Isabella Eaton, a little girl who travelled to Bali with her parents Tabitha and James.

See how 1Cover were able to help when Isabella nearly died - and why James thinks buying travel insurance is the most important decision you'll make when you go on holiday with your children. 

Travel Insurer Of The Year 2019

FAQs About Family Travel Insurance

  • What Is A Dependant?

  • Dependants are your children or grandchildren not in full time employment, who are under the age of 19. In order to be classed as a dependant, the child must be travelling with their parent or grandparent at all times.

    If you have a child under 16 years of age who requires a single adult policy you will need to contact our customer service centre to discuss your options.

  • Why Do I need a cruise travel insurance for my family holiday?

  • Once you're out on open water, this is classed as overseas and as such you will not be covered by the public health system. You will need to select our Cruise Pack add-on, selecting the Australia Cruise region. This add-on is available with Comprehensive policies. This ensures you are covered for full medical coverage whilst on board, as well as cancellations, missed departures, lost luggage, and more.

  • If my family needs to stay longer overseas, can we extend our policy?

  • Yes, you can apply to extend your policy by either getting in contact with our friendly call centre team or alternatively you can log in to our Policy Manager.

    We advise that you log in to the Policy Manager or contact us as soon as you know you need to extend your policy (ideally 7 days (AEST) before your policy is due to expire), so that we can make sure your extension is guaranteed. Once a policy lapses we are unable to extend it.

  • How much of the holiday do my kids need to be with me for?

  • They need to be with you for 100% of the time to be classed as a dependant for the purposes of a Family Travel Insurance policy. 

READ ALL FAQS

Want to know More about...

Medical Travel Insurance
Medical Questions

Do you or anyone in your family have pre-existing medical conditions? If so, find answers to all your medical related travel insurance questions here. 

cruise for seniors
Going on a Family Cruise?

Going cruising with young kids? Or maybe you’re taking teenagers on the high seas? Find out which cruise liners are best for you, and handy tips on how to have your best cruising holiday.

ski
Going on a Skiing Holiday?

Going on a Skiing Holiday? Going skiing in Japan, New Zealand, Australia, USA, Canada, or Europe? Don’t book without reading this handy guide on where and when to go.

repatriation
What travel insurance covers 

From lost luggage, to cancellation, to repatriation. Travel with peace of mind and find out everything your family is covered for and what you're not. 

 

Why Choose 1Cover Travel Insurance?

Trusted & Loved by 1.5 Million customers


Since 2003, we've provided travel insurance to more than 1.5 million happy customers around the world. We don't focus on anything else but travel insurance, and that makes us specialists in the field.

Award winning Insurance 

1Cover won ProductReview.com.au 2019 Travel Insurer of the Year. ProductReview.com.au is Australia's first and most comprehensive consumer opinion site, and they provide a totally unbiased platform where people can rate and review products and services. 

Local Call Centre

Our Call Centre is based in Sydney and is open seven days a week. Whether you're buying a policy or making a claim, you can be sure one of our caring, knowledgeable customer service legends will be able to help you out. 

/emergency-contacts/

24/7 Emergency Assistance

The one time you really need travel insurance is in case of emergency. With 1Cover, you have 24/7 emergency assistance at all times - so when one thing goes really  wrong, we'll be there to help you.  

Pre-Existing Medical Cover

Unlike many other travel insurers, we automatically cover 35 conditions under our policies. We know everyone is different and that's why our medical team assess each pre-existing condition on a case by case basis.

Fast Claims 

If you want your claim paid quickly, and you don’t want to deal with a complicated claims process, then use 1Cover. Just make sure you have all your receipts and relevant documents handy.

Still Need Some Help? Call Us!

If you have any questions or queries, or you'd just like to know more about
Travel Insurance, get in touch with us. Our expert team are here to help you.

Sales And Enquiries
1300 192 021 
(within Australia)
From Overseas
+61 2 8015 6392
Claims
1300 859 487 
Monday-Friday
7:00 am - 8:00 pm
Saturday
9:00 am - 4:00 pm
Sunday
10:00 am - 4:00 pm

 

Get a Travel Insurance Quote Now

1Cover ® is a registered trademark of 1Cover Pty Ltd. 1Cover Pty Ltd ABN 91 105 954 265, is an authorised representative of Coffre-Fort Pty Limited ABN 66 125 358 518, AFS Licence No. 472457. This is general advice and you should consider if this product suits your needs. Before you buy, please read the Product Disclosure Statement. This insurance is underwritten by certain underwriters at Lloyd's, 1Cover is located on Level 12, 338 Pitt Street, Sydney, 2000, NSW, Australia.