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 unmarried
  • They must be under 21 years old 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.

Childproof holiday tips

How to get cover

Getting travel insurance for your kids is easy – when you’re buying your TravelCare policy online, simply add their information under the ‘Travellers’ page.

The TravelCare policy includes cover for:

You can also choose to add ski and snowboarding cover for an extra premium.

Kids aged 15 years or younger have a maximum cover limit of $1,000 per journey under the ‘personal accident’ section of their policy, compared to a maximum cover limit of $50,000 per journey for travellers aged 16-80 years old.

This is because this benefit is designed to cover adults who can’t continue full-time work when they return home, due to an unexpected accident that happened during their journey. Please read the Combined FSG and PDS including Policy Wording for more information.

Family on a rollercoaster 

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.

Please read the Combined FSG and PDS including Policy Wording for more information.


Are nieces and nephews also covered for free on the same policy?

If they’re your dependent children, then yes! Nieces and nephews can be included on your travel insurance policy for no extra cost.


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.


Which insurance policy is right for you and your family?

Our comprehensive travel insurance can protect travellers from unexpected events when they’re travelling overseas. Our award-winning TravelCare policy includes a range of policy benefits and support from our 24/7 Emergency Assistance Team.

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 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.