Family Travel Insurance

Holidaying with the family and you need some travel insurance? Planning a vacation for the family over the school holidays can be very stressful and time-consuming. Let us relieve some of that stress and keep you on schedule by organising your family travel insurance coverage for you and your family today.

Here is an example of some of the coverage provided by nib travel insurance policies which may suit your family's needs while travelling on holiday:
Travel insurance plans can offer cover^ for:

Dependent children under 25 years of age, and working less than 30 hours per week are covered for free.
Children must be travelling 100% of the trip with 1 or more parents/guardians to be covered for free.
Medical evacuation
Unlimited Medical is available on all international policies
24/7 Australian based emergency assistance team

^ This is a summary of cover only. Cover is subject to the policy terms, conditions, limitations and exclusions set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy.

A close relative as defined in the Product Disclosure Statement is a relative of yours or of a member of your travelling party, who is resident in Australia or New Zealand. It means a spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, niece, nephew, grandchildren, grandparent, stepparent, stepchildren, fiance or fiancee, or legal guardian.

A child is your children, stepchildren, grandchildren, foster children, and children for whom you are the legal guardian, who are travelling with you on the same itinerary for the entire duration of your trip and at the time the Certificate of Insurance is issued are:

under 25 years of age, and
working less than 30 hours per week.

Choose the right season

Choosing the right season to travel can make a big difference on your trip. If we go to Europe in peak-season, we’re likely to have to contend with large crowds and inflated prices. If we travel to places in the shoulder seasons, the locals are likely to be a bit more relaxed, you can see the country without having to compete in queues, and most things can be a lot cheaper. The shoulder seasons to travel in Europe are either side of summer, so autumn and spring. The same goes for most countries, like Mexico, the best time to travel there is August, September and October – you’ll beat the crowds and get some modest prices for your delicious tacos.

Family Travel Insurance

Additional benefits are available that may be suitable for your holiday; these benefits include the Snow Sports Option, cruise cover, multi-trip cover, the Specified Medical Conditions Option, Specified Items Cover, Additional Rental Vehicle Insurance Excess Option and a variable excess. Some of these may be automatically included in your cover while others you will need to pay an additional premium at the time you purchase your policy for cover to be provided.

Travelling with your family can be one of the most enjoyable experiences in life. You get to take in the sites of the world and share that with the people who are closest to you. It’s a time of bonding and discovery and is something every family should embark on at least once. When travelling with our families travel insurance is important particularly if one member was to become sick or injured on the trip – not having travel insurance could put undue financial pressure on the parents. Uninsured hospital bills overseas can range in the tens of thousands, even for a few days. Below is a list of tips for travelling while you are with your family:

Picking your family holiday destination

It might help in the planning process to all sit-down together and brainstorm on where you’d all like to go. Perhaps the parents could pick a few different places and then let the children decide from there, that way they’ll feel like they’ve had a choice in the process.

Take it slow

The less you plan on your itinerary, the better. Children tend to get tired more quickly, and with tiredness comes restlessness. You mightn’t want to take your kids to five galleries in a day, rather, if you just do one thing really thoroughly and well you can make a perfect day of it. By taking your time you’re likely to enjoy your trip a whole lot more. The slower you go, the less likely there is for anything to go wrong.

Have a set family itinerary

When you have everything set out and pre-planned before you head off on your big trip, you leave a lot less to chance – and there’s a lot less that can go wrong. When we know what we’re doing, it takes a lot of the pressure off of having to sort out what we’re going to do for the day, let alone the entire week! If we’re following an itinerary we can put our feet up a bit, and not have to think so much. Also, when we have a proper itinerary, we get an idea of how much money we will need to spend, and it makes it a lot easier to budget.

Pack appropriately

You should try to pack the bare minimum, you’re already with the people who matter most – so why try and impress anyone? Try to minimize things like jewellery and other valuables, just take the things that are most comfortable and maybe some formal dress wear if you get a night away with your spouse.

Your kids should be easy to pack for, but remember, pack things that are comfortable. You’re likely to be walking around a lot and spending a lot of time in transit – so comfort is key.

Choose the right family accommodation

Picking the right accommodation is pretty important if you’re going to be travelling with your family. If you’re looking to splurge a bit, there are some fantastic resorts located all around the world, like the Marriott or the Hyatt. These resorts have great services for kids to use, like kids’ clubs where the kids can go out for the day with a group of other children and a minder – perfect if the parents want some time to themselves.

Likewise, you can also rent an apartment which will make for a very comfortable experience, you’ll feel as if you’re right at home but in a different country or city! Also, apartments are usually cheaper, and it gives you the option of cooking your own food, which can be a big bonus overseas.

If you pre-book your accommodation in advance and end up cancelling due to an event in the PDS, depending on the level of cover you buy, your travel insurance may cover your pre-paid purchases that you can't be reimbursed for.

Take a road trip with the Family

Road trips can be an excellent way to travel once the kids in the family reach a certain age. Rather than spending money on exorbitant plane tickets, you can hire a car and travel from point A to point B while seeing everything in between. Road tripping through somewhere like Europe is definitely the best way to see everything. If you take out a Travel Insurance Saver policy, we may be able to offer rental vehicle insurance excess coverage.

Many travel insurance policies provide insurance for rental vehicle excess, so if you’re road tripping with the family it is worth considering. Not all policies include Rental Vehicle Insurance Excess, please compare different travel plans to see what is best for your travel needs.

Remember, with a quality travel insurance policy, you and your family may be covered in the event that you need to cancel or postpone your trip. This cancellation could be for any of the reasons listed in the Product Disclosure Statement, such as unexpected illness. It’s never advised you travel without insurance, especially with your family.

This is a summary of cover only. Cover is subject to the policy terms, conditions, limitations and exclusions set out in the Product Disclosure Statement. Always read the Product Disclosure Statement before making a decision about any travel insurance policy.

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