Children and Families Cover | Travel Insurance Direct (TID)

• What constitutes a ‘family’?
• Why buy a family policy?
• What's covered with family travel cover?
• Need a hand?

Having the opportunity to travel is about making memories and exploring new territory, oftentimes with family.

That is why our TID policies – The Works, The Basics, Domestic and Annual Multi Trip - covers your dependent children and grandchildren for FREE when they are accompanying you on your travels.

What constitutes a ‘family’?

A TID travel insurance policy provides cover for you, your partner or spouse and up to six children under one policy provided they are travelling with you on the same itinerary for the entire duration of your trip.

Dependent children (including children for whom you are the legal guardian) or grandchildren are covered provided they are under 21 years old at the date you purchase your policy, are working less than 30 hours per week, are travelling with you on the same itinerary as you for your trip and are listed on your Certificate of Insurance.

Children will need their own policy under the following circumstances:

• if they aren't travelling with you on the same itinerary;
• they are travelling on their own without parents or grandparents;
• you are not their legal guardian;
• they are 21 years or older;
• they are under 21 but work over 30 hours per week.

Note: Benefit limits apply per adult traveller and are not increased for accompanying children. Dependent children, except when stated otherwise, have the same benefits as their parents/grandparents who are listed on the policy and have cover available for emergency overseas medical, cancellation, additional expenses and all their gear and gadgets within the normal terms and conditions of the policy. 

The policy terms and conditions related to existing medical conditions also apply to dependents. 

Children who are of minor age under the age of 18 and need their own policy must have their parent or legal guardian accept the terms and conditions and purchase their policy on their behalf.   

Why buy a family policy?

As mentioned above, eligible children can be listed on a policy at no extra cost so you may find value in purchasing a family policy for your trip. All you need do is add your and your partner's or spouse's details to begin.

Having everyone under a family policy means only needing to submit a single claim if your entire family is affected by an event.

New baby on the way?

If you are planning a trip after your baby is born, you can always add their details to the policy after the fact. Please call our Customer Service team to arrange this for you.

Adopting a child overseas

If you are travelling to collect your adopted child/ren, congratulations! To be covered under the policy, your adopted child/ren must still meet our residency requirements. If you need further information, you are welcome to contact nib Travel Insurance on 1300 410 272. 

What's covered with family travel cover?

Across all of our plans, the applicable limit for benefits such as cancellation costs, out of pocket expenses, travel delay and many more is per adult listed on the policy unless stated otherwise.

Have a look at our PDS to see the difference between single and family policies in terms of cover and the benefit limits available. It’s also the document that outlines the full terms, conditions, limitations and exclusions that may apply. 

Need a hand?

Our Customer Service team is always available to help you to understand the policy, what you may be covered for and any documentation you need to pick up along the way.
Our travel safety team at TID work to keep customers informed and publish information on major travel events on our website.

This is a brief summary of cover only. Cover is subject to the full terms, conditions, limitations and exclusions outlined in the Product Disclosure Statement.