Nothing beats enjoying an overseas adventure with the family in tow. Whether it be a tour of USA’s best theme parks, or a school holidays escape to a distant tropical shore, experiencing new things with the ones you love most is unforgettable.
With the right travel insurance, it can be unforgettable for all the right reasons.
There are several things to consider when researching the best policy for your family, like whether the kids are covered for free, what activities they’re allowed to enjoy, and what benefits apply to each of you.
What does SCTI family travel insurance include?
We know how important it is for families to travel with the confidence that they’re insured when the unexpected happens. That’s why our TravelCare policy includes a comprehensive schedule of benefits, including cover for*:
- Unlimited medical and evacuation expenses, with no excess for medical claims
- Stolen, lost and damaged valuables, including electronics, jewellery, passports and other travel documents
- Travel delays
- Cancellation fees and lost deposits from pre-booked activities and flights
- Emergency dental treatment
- Rental car excess
When you protect your family with Southern Cross Travel Insurance, you also gain access to our worldwide emergency assistance team, who are available for advice and assistance 24 hours a day, 7 days a week.
Kids go free
We know that with flights, accommodation, tours and transport, the costs of a family holiday can really add up. That’s why we offer free travel insurance for your dependent children aged 17 and under, who are included on your policy at no extra cost!
Just to be clear, when we say ‘dependent children’, we mean your:
- Unmarried children
- Foster children
- Nieces and nephews
All you need to do is add them under ‘Travellers’ Details’ when applying online to ensure they are named on the certificate of insurance and covered. The child or children named must be primarily dependent on you (the policy holder) - in other words, they can’t be self-sufficient and have a full-time job.
Is there a different level of cover for kids?
Your kids receive the same great benefits as you do under our TravelCare policy. However, children aged 15 years and under have no cover under the ‘Personal Accident’ section of the policy. This section is intended to support adults that can’t continue their full-time job when they return home due to an unexpected accident or illness that occurs on their journey.
The ‘Medical and Evacuation’ section of the policy doesn’t have any age restrictions, so your children receive the same comprehensive cover for unexpected accidents and injuries that occur overseas.
What activities are covered for kids?
Kids can be an adventurous bunch, which is why it’s so important that they’re insured in case of any unexpected bumps and scrapes. We know that adventure is all part of the fun, which is why our TravelCare policy covers things like skiing and snowboarding at no extra cost. Other adventure activities we cover include*:
- Hot air ballooning
- Scuba diving (with a qualified instructor or if you hold an open water diving certificate)
- Zip lining
However, there are some activities that we don’t cover under our TravelCare policy, including:
- Kite surfing
- Outdoor rock climbing
- Parachuting, paragliding, hang gliding, whitewater rafting and bungee jumping, unless participating with a licensed operator
- Skiing or snowboarding which happens off-piste
Unfortunately, we’ve seen some serious claims for unlucky children who have been injured while participating in all kinds of activities. For example, one claim amounting to $70,000 involved a child who had their thumb severed by a tow rope while water tubing!
As you can see, it’s so important that you protect your family with a travel insurance policy that includes comprehensive medical and evacuation cover.
Travel insurance while pregnant
It’s becoming increasingly common for expectant mothers to take a short holiday before the birth of their child - referred to as a ‘babymoon’.
Travelling while pregnant can be a great way to unwind and take some much-needed ‘me time’, however babymoon holidays do require some more careful planning. First of all, you need to research whether or not you are even permitted to fly, as airline carriers each have rules about travelling while pregnant.
You also need to research your travel insurance. At SCTI, we cover pregnant travellers for unexpected medical complications up to and including the 20th week of pregnancy, provided the pregnancy was without complications prior to the start date of the policy*.
Tips for travelling as a family
Whether it be a relaxing family holiday to Fiji or a quick adventure in the school holidays, your trip has the potential to be a blast for everyone involved. However, like most things in travel, a large part of this success depends on your research, planning and preparation.
We love helping families get the most out of their overseas adventures, which is why we’ve written several handy articles to get you there. If you’re travelling as a family, you might like to read:
- Child-proofing tips for your holiday
- A Fiji holiday itinerary for travelling families
- Tips for travelling with toddlers
- 12 awesome apps for travelling with kids
- Planning a babymoon