Important Notice
Travelling with kids can be one of the most rewarding things you'll ever do, and one of the most unpredictable. World2Cover's family travel insurance is designed to cover up to two adults and their declared dependants on a single policy, whether you're heading overseas for a once-in-a-lifetime trip or planning a family holiday closer to home. Declared dependants aged 19 and under can be added at no additional cost ††. Before you buy, please read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) to understand the terms, conditions, limits, sub-limits, and exclusions that apply to your chosen policy.
Why choose World2Cover?
Travel supported by an award-winning travel insurance provider on your next journey.
Unlimited overseas medical and hospital expenses*
Emergency medical evacuation and repatriation
Overseas emergency dental treatment
24/7 emergency assistance
Existing medical condition assessments available
What's covered?
Overseas medicalUnlimited* overseas medical and hospital cover for every adult and named dependant on all three international plans, if someone falls ill or is injured abroad.
CancellationIf a child's illness or a family emergency forces you to cancel, reschedule, or cut short your trip, your non-refundable bookings may be reimbursed up to your chosen limit.
Luggage for everyoneLuggage cover applies per adult, and named dependants are included within that adult's limit, covering the whole family's belongings, from prams and car seats, to phones and cameras. Per-item sub-limits apply.
Childcare coverIf a parent is hospitalised, evacuated, or worse, while overseas, World2Cover can arrange care for dependants aged 16 and under until family arrangements are made.
24/7 assistanceWorld2Cover offers round-the-clock access to emergency assistance worldwide, coordinating medical care and evacuation at any time zone.
Benefits at a glance
| Benefit (per adult) | Top | Essentials | Basics |
|---|---|---|---|
| Overseas medical and hospital | Unlimited* | Unlimited* | Unlimited* |
| Cancellation and lost deposits | Choice of limit | Choice of limit | Not covered |
| Emergency expenses | Unlimited* | $25,000 | $5,000 |
| Luggage and personal effects | $7,500 | $5,000 | $2,000 |
| Rental vehicle excess | $5,000^ | $4,000^ | Not covered |
| Personal legal liability | $10,000,000 | $10,000,000 | $10,000,000 |
Limits shown are per adult unless stated; named dependants are covered under the same sections. All benefits are subject to the terms, conditions, limits, sub-limits, and exclusions in the PDS .
* Unlimited means that generally there is no cap on the maximum dollar amount which may be paid out of this benefit, subject to the specific terms and conditions, sub-limits and exclusion apply to this benefit. This benefit covers reasonable overseas medical and hospital costs as a result of an injury (including arising from a terrorist act) or illness occurring which first shows itself during your period of insurance. Benefits may be paid up to 12 months from the time you received treatment for the injury or illness, but only for reasonable expenses incurred during that time. All medical treatments must be provided by your treating doctor or our consulting medical officer. You must notify us as soon as possible of your admittance to hospital.
^ These limits are per policy.
Who’s covered?
AdultsUp to two adults named on the Certificate of Insurance (COI). Both must be aged 18–110 for International and Domestic Single Trip plans, or 18–75 for annual multi-trip. When two adults are listed, a 10% discount applies to the youngest adult's base premium (before any medical loadings).
Children at no extra costDeclared dependants aged 19 and under can be included at no additional cost, provided they are financially dependent, not working full-time, and travelling with you for the entire trip. There's no limit on how many dependants you list, as long as each dependant is named on your COI. An existing medical condition may require assessment and an additional premium. See the ‘Words with special meanings’ section of the PDS . for the full definition of ’Dependant’ for more information.
PregnancyCover is included automatically up to the end of the 25th week of pregnancy for single, non-complicated pregnancies, unexpected complications, and accelerated childbirth from accidental injury, in limited circumstances. You'll need to apply for cover at the time of purchase if you've had complications with this, or a previous pregnancy, are expecting multiples, or have a condition that could affect your health. There's no cover for routine antenatal care, routine childbirth, or complications from the 26th week onwards. See the ‘Pregnancy’ section of the PDS . for more information.
When it matters: Family cover in action
A child falls ill before departureYour six-year-old is diagnosed with an unexpected chest infection the day before your flight to Bali, and your doctor advises against travel. Subject to the PDS , under ‘Cancellation fees and lost deposits’, the policy may reimburse non-refundable flights, accommodation, and pre-paid tours up to your selected limit.
Medical emergency overseasOn day three in Europe, your teenager spikes a fever and is admitted overnight. Subject to the PDS , an international policy may cover the hospital and treatment costs (unlimited* on all international plans), and additional accommodation and travel for the rest of the family may be covered under ‘Emergency expenses’.
Missed connection with kids in towYour Sydney–Brisbane flight is delayed more than six hours, and you miss the connection to New Zealand. Subject to the PDS , under ‘Travel delay’, additional accommodation, meals, and travel while you wait may be reimbursed up to the section limit per adult ($3,000 on Top Cover, $1,500 on Essentials).
Parent hospitalised overseasIf a parent is hospitalised overseas and dependants aged 16 and under are left without supervision, World2Cover will arrange care until they can return to Australia or a relative can travel to them. Contact must be made as soon as reasonably practicable and agreement obtained, in line with the PDS .
All scenarios are illustrative only and do not constitute a guarantee of cover. Claims are assessed on their individual merits against the terms, conditions, limits, sub-limits, and exclusions of your chosen policy.
When it matters: Family cover in action
How your family is covered depends on where you travel. The biggest difference is medical cover: the Domestic Single Trip plan has no medical, hospital, dental, or evacuation cover in Australia (as this is provided by Medicare), while international plans include unlimited* overseas medical cover.
International family travelChoose an international single trip plan (Top, Essentials, or Basics) or an annual multi-trip plan for overseas holidays. Cover scales with the plan – see the ‘Benefits at a glance’ table above for the key limits across each tier.
Domestic family travelChoose an international single trip plan (Top, Essentials, or Basics) or an annual multi-trip plan for overseas holidays. Cover scales with the plan – see the ‘Benefits at a glance’ table above for the key limits across each tier.
- Cancellation fees and lost deposits at your chosen limit
- Luggage up to $7,500 per adult, luggage delay up to $500, personal money up to $250
- Emergency expenses up to $25,000 per adult
- Rental vehicle excess up to $5,000 per policy
- Personal legal liability up to $10,000,000
- Travel delay up to $1,500 per adult ($100 per 24-hour period)
Travelling more each year?
If your family takes more than one or two trips a year, an annual multi-trip policy is often more cost-effective than buying a single-trip policy each time you travel. This annual policy covers unlimited trips over 12 months for everyone named on the COI, including dependants aged 19 and under. Domestic trips must be more than 250km from home to be covered, and you choose a maximum trip duration of 30, 45, or 60 days. Adults aged 18–75 at purchase are eligible.
Optional add-ons
Cruise benefitsPlanning a family ocean cruise? Add the Cruise Benefits option to an International plan (Single Trip or Annual Multi-Trip) for cabin confinement, missed port, missed shore excursion, and marine rescue diversion cover. It's not available on Domestic plans. See our Cruise travel insurance page.
Ski and winter sportsSkiing or snowboarding at Thredbo, Niseko, or Queenstown? The ski and winter sports option adds equipment hire, ski pack, piste closure, avalanche, lift pass, and overseas medical for snow injuries. Available on Top Cover and Essentials only (not Basics), for travellers aged 85 and under.
Adventure activitiesMany amateur activities are automatically included: canoeing, kayaking (grade 3–4 rapids), parasailing, jet boating, and trekking up to 3,000 metres, provided they're run by a commercial operator, available to the general public, classified as extreme risk, and not requiring special skills or a pre-fitness training program. Some, like backcountry skiing and roped rock climbing, are excluded.
Existing medical conditionsSome conditions are covered automatically; others can be assessed at the quote stage and, if approved, added for an additional premium. See our Existing Medical Conditions page.
Why choose World2Cover?
Kids 19 and under at no extra costDeclared dependants aged 19 and under travel free on the policy, with no limit on how many you can list, provided each is named on your COI ††.
10% discount for two adultsList two adults, and the youngest adult's base premium is automatically discounted by 10% (before any medical loadings). Get a quote to see your price.
Backed by Tokio MarineIssued by Tokio Marine & Nichido Fire Insurance Co Ltd (ABN 80 000 438 291 AFSL 246 548), one of the largest insurance groups in the world.
Australian-based supportOur customer service team is based in Australia. Call +61 2 9225 7599, Monday–Friday 8am–9pm AEST, weekends 9am–6pm AEST.
Frequently Asked Questions
There's no limit. Any number of declared dependants aged 19 and under can be added at no additional cost, provided each is financially dependent, not working full-time, travelling with you for the whole trip, and named on your Certificate of Insurance.
Yes, declared dependants aged 19 and under are included at no additional cost – unless a dependant has an existing medical condition that needs assessment, in which case an additional premium may apply. See the definition of ’Dependant’ in the PDS .
Cover is included automatically up to the end of the 25th week for single, non-complicated pregnancies, unexpected complications, and accelerated childbirth from accidental injury, in limited circumstances. Routine antenatal care and childbirth aren't covered and complications from the 26th week. See the ‘Pregnancy’ section of the PDS .
If a parent is hospitalised, evacuated, or dies overseas and dependants aged 16 and under are left without supervision, World2Cover will arrange care for the children until they can return to Australia or a relative can travel to them, provided contact is made as soon as reasonably practicable and agreement obtained.
Yes. The domestic single trip plan covers family trips within Australia for cancellation, luggage, emergency expenses, rental vehicle excess, and more, but not medical, hospital, dental, or evacuation costs, which are covered by Medicare. See the PDS for full details.
Dependants must be named on your Certificate of Insurance to be covered. If you've already purchased a policy and forgot to list a dependant, call World2Cover on +61 2 9225 7599 before you leave so it can be updated.
††Dependant means any of your children, stepchildren, foster children or grandchildren who are 19 years of age or under at the time you purchase your policy, financially dependent on their parents or grandparents, not working full time, travelling with you for your entire trip and listed on the Certificate of Insurance as your Dependant. Dependants can be covered at no extra cost if they have not disclosed any medical conditions requiring assessment. Terms, conditions, exclusions, limits and sub-limits apply. Refer to PDS for full details.
