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Family Travel Insurance

Are you a family going on holidays? Taking out travel insurance to cover you and your family can be affordable

Travel Insurance for a family

Family travel insurance can help assist you in an emergency and protect your family against unexpected events and financial losses.

Whether you’re taking the whole family on an adventure holiday to Bali, relaxing on a cruise around the Pacific Islands, touring cultural icons in Europe, or hitting the ski slopes in Canada, travelling with your family is an opportunity to create lifelong memories.

Unfortunately, kids being kids, accidents and mishaps do happen!

If one of your kids falls ill or has an accident and needs to go to hospital, it's good to know you'll be covered for emergency medical and hospital expenses overseas. With a Comprehensive policy, you’ll also have cover for travel delays, missed connections, lost or stolen luggage, or if you unexpectedly have to cut your holiday short due to a family emergency or serious medical reason.

The best part about Fast Cover family travel insurance is that your dependant children and grandchildren under 21 are covered free under your policy!

Who can get Fast Cover family travel insurance?

Families going on all different types of holidays can purchase a family travel insurance policy with Fast Cover. 

We understand that not every family fits the stereotypical 'nuclear family' mould, so our family travel insurance caters for:

  • Single parent families
  • Foster families
  • Step families
  • Legal guardians
  • Families with same sex parents
  • Families including up to 10 dependent children
  • One or more grandparents travelling with their grandchild or grandchildren

If you're taking your friend's child along with you on your family holiday, unfortunately we can’t cover them for free under your family policy. However, we can arrange a great value single policy for them at a discount price so they're still covered to travel with your family.

Why buy a family travel insurance policy?

Whether you’re planning an exotic trip with the kids to introduce them to new cuisines, experiences and cultures, or visiting Disneyland for the ultimate family adventure, having the right travel cover in place is very important.

Your Medicare or Australian private health insurance may not cover you or your family once you leave the country, and without travel insurance your holiday can suddenly become very expensive.

An overnight hospital stay on a family cruise ship could set you back up to $5,000 AUD per night, and the Australian Government's Department of Foreign Affairs and Trade reports that a medical evacuation in the United States can range anywhere between $75,000 to as much as $300,000 AUD!

What cover does family travel insurance include?

From planning the right excursions to finding good places to stay and eat, there’s a lot to consider. Worrying about health expenses shouldn’t be part of that list.

Heading overseas with your kids can be both stressful and costly enough as it is, which is why dependants under the age of 21 travel free of additional charge on a Fast Cover family policy.

Family travel insurance gives you peace of mind to focus on simply enjoying the trip and making sure everyone has a great experience and creates lifetime memories. 

In the event of unexpected complications or overseas emergencies, the many benefits of a family policy include:

  • Overseas emergency medical and hospital expenses
  • Unexpectedly having to cut your holiday short due to a medical reason or family emergency
  • Loss or damage to your luggage or belongings such as bags, tablets, laptops, mobiles, cameras, etc.
  • Trip cancellation due to an unexpected illness or injury before your departure
  • Loss of travel documents, passports, credit cards and travellers cheques
  • Loss of income if you're unable to work due to an injury or illness after you return home
  • Personal liability insurance
  • Permanent disability insurance
  • Accidental death insurance

To make sure you have an enjoyable trip with your kids, travel with confidence, and peace of mind, you may wish to consider Comprehensive travel insurance which includes the most benefits and has the highest dollar value available for each benefit.

Compare the different benefits and limits in the table below to see which level of cover suits your trip:

Medical Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Overseas 24/7 Emergency Medical Assistance^


Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Funeral/cremation Overseas and/or bringing your remains home (per person)

$15,000 $15,000 $15,000 $15,000 $15,000

Overseas Emergency Medical & Hospital Expenses^

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Emergency Dental

$500 ––– $750 $1,000 $1,000 $1,000

Overseas Emergency Evacuation & Repatriation

Unlimited ––– Unlimited Unlimited Unlimited Unlimited

Overseas Hospital Cash Payment^


––– ––– ––– $5,000 $5,000 $5,000

Daily Limit (per person)

$50 $50 $50

Accidental Death

Travellers Aged 80 to 89:
––– $25,000
––– $25,000

Death of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Permanent Disability^

Travellers Aged 80 to 89:
––– ––– ––– $50,000

Permanent Disability of a Dependant (per Dependant)

$5,000 $5,000 $5,000 $5,000

Loss of Income^


––– ––– ––– $10,400 $10,400 $10,400

Weekly Limit (per person) - up to 26 weeks

$400 $400 $400

Financial Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Trip Cancellation Expenses


––– Unlimited $25,000 Unlimited Unlimited Unlimited

Travel Agents Cancellation Fees

$1,500 $1,500 $1,500 $1,500 $1,500

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Personal Liability

$1,000,000 $5,000,000 $2,500,000 $5,000,000 $5,000,000 $5,000,000

Trip Disruption Expenses


––– $50,000 $30,000 $50,000 $50,000 $50,000

Relatives with a Pre-existing Medical Condition

$2,000 $2,000 $2,000 $2,000 $2,000

Trip Resumption Expenses

$3,000 $2,000 $3,000 $3,000 $3,000

Luggage & Personal Effects


Optional $7,500 $5,000 $15,000 $15,000 $15,000

Personal computers,video recorders or cameras (per item)

$3,000 $3,000 $3,000 $3,000 $3,000 $3,000

Mobile phones and tablets (per item)

$1,000 $1,000 $1,000 $1,000 $1,000 $1,000

All other unspecified items (per item)

$750 $750 $750 $750 $750 $750

Luggage and Personal Effects stolen from a Locked Storage Compartment of an unoccupied vehicle during daylight hours

$2,000 $2,000 $2,000 $2,000 $2,000 $2,000

Passports, Credit Cards & Credit Card Fraud^

––– ––– $2,000 $5,000 $5,000 $5,000

Special Event Transport Expenses

––– $5,000 ––– $5,000 $5,000 $5,000

Rental Vehicle Excess


––– $5,000 Optional Optional Optional Optional

Return of Rental Vehicle

$500 $500 $500 $500 $500

Travel Delay Expenses


––– $2,000 ––– $2,000 $2,000 $2,000

Daily Limit (per person)

(we will pay up to $200 for each full 24 hours beyond the initial 6 hour delay)

$200 $200 $200 $200

Delay of Luggage and Personal Effects^

––– ––– ––– $750 $750 $750

Theft of Cash^

––– ––– ––– $250 $250 $250

Snow Sports Benefits

Basics Domestic Plus Standard Saver Comprehensive Snow Sports Plus Frequent Traveller Saver

Snow Sport Equipment

––– $1,500 ––– ––– $1,500 –––

Snow Equipment Replacement Hire

––– $1,500 ––– ––– $1,500 –––

Snow Prepaid Expenses

––– $750 ––– ––– $750 –––

Snow Resort Closure


––– $1,000 ––– ––– $1,000 –––

Daily Limit (per person)

$100 $100

Please note: This is only a summary of benefits. Exclusions and sub-limits apply to each cover type. Benefit limits shown are for Single and Duo (per person) policies. Pooled Benefits mean that Family policy benefit limits apply for the whole family and are double the corresponding benefit limit under a Single policy, except for certain benefits - please refer to the Product Disclosure Statement for full details. ^Cover under these Benefits are excluded while travelling within Australia.

Why choose Fast Cover for your family holiday travel insurance?

Fast Cover has a wide range of flexible travel insurance options to make sure you have the right cover for you and your family.

Some of the key benefits included in our Family policies include:

  • Dependants under the age of 21 who are not in full time employment are covered free of additional charge on a Single or Family policy.
  • We don't require you to fill in an individual medical assessment for each travelling family member.
  • We automatically cover 43 Pre-Existing Medical Conditions including asthma and allergies related to eczema and food intolerances.
  • We automatically cover a huge list of different sports and activities kids love such as snorkelling, go-karting, aqua zorbing and indoor rock climbing!
  • Cover for additional activities is available for thrill-seeking families with our Adventure Pack add-on.
  • Our Emergency Assistance team is available 24 hours a day, 7 days a week, 365 days a year to assist you.
14 day cooling off

Buy with confidence! Get a full refund if you cancel for any reason within 14 days from when you buy your policy and you haven't travelled.

48 hour price

The price on your quote is 'Locked In' for 48 hours.

24-7 assistance

Wherever you're travelling and whenever you need us, our 24/7 worldwide expert assistance team are ready and waiting to help.

immediate cover

Buy today and your cover starts today for the money you've spent on hotels, flights or tours in the event of unexpected sickness, injury, family emergencies or natural disasters.

Example Incidents~

Fiona's Family Medical Emergency

Fiona and her family were enjoying an African safari holiday when one of her children started complaining of sharp pains in their side. They visited a local hospital where a doctor determined the child had appendicitis and needed an appendectomy. Fortunately, their Fast Cover travel insurance policy covered the hospital and medical treatment costs which were over $3,000 AUD.



Traveller Testimonials

Such a good insurance company

After having insured with Fast Cover many times I find the policy is of excellent value, and so easy to set up online. I have recommended this company to many of my friends as I am extremely satisfied with how friendly and helpful they are.

Mim –


Helpful service

The policy was very well priced and options were available so I could tailor what I purchased to my needs. I set it up online, paid and had confirmation and printable paperwork in less than 15 minutes. On the occasion I needed to make a claim, this was dealt with quickly and satisfactorily by helpful telephone assistants. I continue to buy my travel insurance from Fast Cover.

Sandy –


Good value for money

Customer service was prompt, friendly and easy to understand. Documentation was provided via email within minutes.

Carr –


Ready to get a quote?

~Traveller details have been changed to protect their privacy. Claims examples are from Fast Cover travel insurance customers from 1 July 2013 to 30 June 2016.



Things you need to know

* See Product Disclosure Statement for full terms and conditions and exclusions and limits that apply. For travellers aged 80 and over, additional terms and conditions, limits and excesses apply.