Kids go free*

Travelling as a family can be a life-changing experience, which is why we offer free travel insurance for kids. However, it’s important you understand exactly when your kids go free and what scenarios you may need to pay an additional premium for.

*The important bits

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 under 21 years old at the date your insurance was issued
  • If they are 18 years or older, they must:
    • be unmarried
    • not be in full-time employment
    • be financially dependent on at least one adult listed on your Certificate of Insurance (a child is not financially dependent if you're only covering their finances while on the journey). 

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.

Childproof holiday tips



Frequently asked questions

Do I need to buy a family travel insurance policy?

At SCTI, we offer two different cover types:

  • An ‘Individual’ policy applies to one adult or child, or one adult and any dependent children all of whom are named on the certificate of insurance.
  • A ‘Family’ policy applies to two adults, or two adults and any dependent children all of whom are named on the certificate of insurance.

So if you’re an adult travelling with your partner and the kids, a family policy may be the right choice for you. But if you’re a single adult travelling with just the kids, you can include them on your Individual policy.  

What if my child turns 21 while we’re overseas?

As long as the dependent children listed on your Single Trip policy were below the age of 21 at your start date of insurance, they’re covered under the TravelCare policy.

If you’re buying an Annual Multi-Trip policy, your dependent children need to be under the age of 21 at the date your policy was issued.

Packing a child's suitcase

My kids and I aren’t departing at the same time. Can we still be covered under the one policy?

Yes, you can both be covered under one Single Trip policy, as long as you’re both travelling after the start date of insurance, and you both return to New Zealand before your end date of insurance.

If you buy a Family Annual Multi-Trip policy, kids are only covered if they’re travelling together with an adult on the policy.

If the adult travellers on your Family policy are visiting different destinations during the journey, you’ll need to make sure that all destinations are included when buying your policy.


Family on a rollercoaster

If you’d like more information on which policy is the right choice for you and your family, get in touch with us today.

What you need to know

This page may include some information about our products but, as with all insurance policies, terms and conditions may apply. For our terms and conditions (including information about exclusions, excesses and sub limits) we recommend you read the TravelCare Financial Services Guide and Product Disclosure Statement, and the COVID-19 Supplementary Product Disclosure Statement.


Need some help?

If you would like to get in touch, we’re here to help. Please feel free to email us at any time, or speak to one of our friendly insurance experts on 1800 196 484. Our office hours are Monday – Friday, 8.30am – 5.00pm.