Family travel insurance

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 the 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?

Family at doctors  

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*:

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

Kids travelling  

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 20 and under, who are included on your policy at no extra cost.

For kids to go free, they must be ‘dependent children’. By this we mean your children, stepchildren, foster children, grandchildren, nieces and nephews who meet the following criteria:

  • They must be unmarried
  • They must be aged 20 and under at the start date of your insurance (if you have a Single Trip policy) or the issue date of insurance (if you have an Annual Multi-Trip policy)
  • They must be primarily financially dependent on the adults listed on the certificate of insurance
  • They mustn’t be in full time employment

Pre-existing medical conditions and high value items aren’t automatically covered by this policy. This means if your kids need cover for these, you may need to pay an additional premium. To find out if we’re able to offer you cover, you’ll need to apply during the application process.


Is there a different level of cover for kids?

Kids on the beach 

Your kids receive the same great benefits as you do under our TravelCare policy (apart from the ‘Personal Accident’ section of the policy).

Children aged 15 years or under have $1,000 per journey under the ‘Personal Accident’ section. This is because this section is intended to support adults that can’t continue their full-time job when they return home due to an unexpected injury 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 or illness that occur overseas.


What activities are covered for kids?

Zip lining  

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 includes comprehensive medical and evacuation cover for things like:

  • Snorkelling
  • Surfing
  • Hot air ballooning
  • Scuba diving (with a qualified instructor or if you hold an open water diving certificate)
  • Skateboarding
  • Zip lining

However, there are some activities that we don’t cover under our TravelCare policy, including:

  • Kitesurfing
  • Abseiling
  • Outdoor rock climbing
  • Parachuting, paragliding, hang gliding, whitewater rafting and bungee jumping, unless participating with a licensed operator in the country you’re visiting
  • Hunting
  • Rodeo

Unfortunately, we’ve seen some serious claims for unlucky children who have been injured while participating in all kinds of activities. So it's important that you protect your family with a travel insurance policy that includes comprehensive medical and evacuation cover.


Travel insurance while pregnant

Pregnant woman  

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.

Our TravelCare policy automatically provides cover for pregnancy up to and including the 20th week, as long as there were not complications before your start date of insurance. Cover includes:

  • Single pregnancy
  • Multiple pregnancy, such as twins or triplets
  • Pregnancy through fertility treatment

We’ll pay for emergency medical treatment if:

  • There were no pregnancy related complications prior to your start date of insurance
  • The claim is for a medical treatment related to an emergency pregnancy complication. Common pregnancy symptoms including breast tenderness, constipation, fatigue, frequent urination, heartburn and morning sickness are not covered.
  • The claim is for the early childbirth costs associated with a person named on the policy.


Tips for travelling as a family

Family travelling 

Whether it be a relaxing family holiday to Fiji or a cruising adventure, 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. Our Travel Advice is a great resource of travel tips and hacks to help you start planning your family adventure.

*Terms, conditions and exclusions apply. Please refer to our Combined FSG and PDS including Policy Wording or contact us at for further information.


What you need to know

This page provides a summary of the key terms only. As with all insurance policies, terms and conditions apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the Combined FSG and PDS.