Family Travel Insurance

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

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Mount Agung, Bali

 

Family Travel Insurance Benefits

Whether you're travelling to a new country or road tripping around Australia, your kids and grandkids are are covered at no extra cost* on your policy. Dependant children are classed as under 19 and travelling with their parents or grandparents.  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 and 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 policies 

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

Having a family means that  you may have to cancel or switch things around at times. We’ve got you covered for cancellation fees or lost deposits.

Rental Vehicle Excess

Additional Accommodation and Expenses 

We provide up to $50,000 cover for those times when things go wrong on a family holiday, and you may need to extend or shorten your journey. Please see the PDS for details. 

Unlimited Cancellation

Alternative 
Transport 

  • Travelling with kids means things just...happen. 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

Heading to the snow with the family? Then choose the winter sports add-on to ensure you and your family are properly covered during your snow and skiing adventures. 

Travel On One Policy

Family
Cruise Cover

Is this family trip a cruisey kind of holiday? Before you head off, 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

  • Planning to take some valuables on your family trip? It’s so easy for things to go wrong, so we provide extra cover for High Value Items. You can add this to your policy 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 that 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.
 

Travel Insurer Of The Year 2019

Table Of Benefits - Family travel Insurance

Explore our table of benefits below to see all the cover provided by our overseas travel insurance policies for you and your family. 

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

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.

 

Get a quote
 

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 - so make sure you keep you and your family safe with our Cruise Pack. See the PDS for full details.

Winter Sports Pack

Winter Sports Pack

Snow sports can be so much fun for the whole family. But they’re also known for being dangerou, so if you’re hitting the slopes with the family, you’ll need to make sure you’re covered. The Winter Sports Pack provides cover for winter sports activities such as skiing and snowboarding. See the  PDS for full details. 

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 in case your rental car company gives you an extra nasty surprise.

 Read More

 

Get a quote

 

We've Already Helped
1.5 Million Customers

1Cover is rated 4.3 out of 5 by over 1359 reviews on
  • "The First Thing You Should Pack When Travelling"

    I'm so glad we'd thought to get 1Cover travel insurance before we left home. Our claim was dealt with quickly and efficiently. Could not recommend it more highly.

    By Charmaine, May 2019

  • "Empathetic and efficient"

    Couldn’t ask for a more straightforward process when claiming from 1Cover. They were great.

     

    By Grace, May 2019

  • "Best Travel Insurance Yet"

    Great price and a thorough policy that allowed us to travel with piece of mind. We travel alot and will use 1 Cover again without hesitation.

     

    By TanMar, May 2019

  • "Never go with anyone else"

    Been using 1Cover for years and wouldn't use anyone else. Very easy to set up - and good value for money. Highly recommend to all my friends/family - who have also used.
     

    By Mark, Apr 2018

Read More Reviews

 

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?
  • We do offer policy extensions, where applicable, you will be issued with a quote for the extended period.

    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.

  • What Happens If I Come Home Early?
  • Your policy covers the full duration of your trip as stated on your Certificate of Insurance. There are no refunds if you come home earlier than planned. This is stated in the PDS.

  • 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 policy. 

 

READ ALL FAQS

 

 

Going Bungee Jumping, Sailing, or motorbiking?
We cover 100+ Activities and sports. 

 

Where are you Going?


Find out everything you need to know about travel insurance for the following destinations:
 

 

Want to know More about...

Cover for 100 + Activities

Travelling means doing. Luckily 1Cover covers 100+ activities, so you and your family can have fun while you’re away, - and still have peace of mind. 

Pre-Existing medical Conditions

Do you or anyone you’re travelling with have pre-existing medical conditions? Or are you wondering about pregnancy and travel insurance? Find answers to all your medical related questions here

What Travel Insurance Covers

In addition to reading the PDS, you can find out exactly what you are and what you’re not covered for with this handy resource. 

 

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
Annual 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
Monday-Friday
7:00 am - 8:00 pm
Saturday
9:00 am - 4:00 pm
Sunday
10:00 am - 4:00 pm