Family Travel Insurance

What is family travel insurance?

Family travel insurance is designed for family members travelling together on the same trip, whether that’s parents and kids or grandparents and grandkids. Instead of arranging separate policies for each traveller, a Family travel insurance policy brings families travelling in one itinerary under one policy, making it easier to organise and manage cover for your family holiday. This means a simpler process when buying cover, understanding benefits, and managing any claims later.

At Fast Cover, a Family travel insurance policy can provide cover for you and your spouse or de facto partner, and your dependants, or

You and your spouse or de facto partner, and your grandchildren
You, your son or daughter, and your grandchildren.

The main travellers and their spouse or partner or son and daughter must be travelling together for at least 75% of the trip itinerary. Dependant children must be travelling with at least one of the adults listed on the certificate of insurance for 100% of the person travelling’s itinerary. Dependant children may be the relevant adult’s children or grandchildren.*

This structure means families travelling together, whether parents, kids or grandparents, can be included on the same policy, as long as they’re listed on the Certificate of Insurance and travelling on the same itinerary duration as specified in the PDS.

Always refer to the Product Disclosure Statement (PDS) for full eligibility details, limits, and conditions.

Under Fast Cover’s Family travel insurance policy, certain benefits are shared between the insured adults and their dependants. This means that when both adults are listed on the same policy, the total benefit available is pooled across the family. The benefit limits for Family policies are equal to double the single policy benefit limit (except for as listed below) and apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of insurance.

For example, under the Special Event Transport benefit, each insured adult may be entitled to a limit of $5,000. When two adults are listed under the Family policy, up to $10,000 is available for the family in total, as outlined in the policy terms.

However, it’s important to understand that the benefit limit is not doubled for the following benefits and optional covers:

Benefit 13: Theft of Cash
Benefit 18: Personal Liability
Benefit 19: Rental Vehicle Excess
Benefit 23: Snow Resort Closure
Benefit 26: Bicycle Pack

Benefit amounts, limits, and sub-limits may vary depending on the type of travel insurance policy you choose, so it’s important to review the Product Disclosure Statement (PDS) for full details on how pooled benefits apply under your selected policy.

What is family travel insurance?

Family travel insurance is designed for family members travelling together on the same trip, whether that’s parents and kids or grandparents and grandkids. Instead of arranging separate policies for each traveller, a Family travel insurance policy brings families travelling in one itinerary under one policy, making it easier to organise and manage cover for your family holiday. This means a simpler process when buying cover, understanding benefits, and managing any claims later.

At Fast Cover, a Family travel insurance policy can provide cover for you and your spouse or de facto partner, and your dependants, or

You and your spouse or de facto partner, and your grandchildren
You, your son or daughter, and your grandchildren.

The main travellers and their spouse or partner or son and daughter must be travelling together for at least 75% of the trip itinerary. Dependant children must be travelling with at least one of the adults listed on the certificate of insurance for 100% of the person travelling’s itinerary. Dependant children may be the relevant adult’s children or grandchildren.*

This structure means families travelling together, whether parents, kids or grandparents, can be included on the same policy, as long as they’re listed on the Certificate of Insurance and travelling on the same itinerary duration as specified in the PDS.

Always refer to the Product Disclosure Statement (PDS) for full eligibility details, limits, and conditions.

Under Fast Cover’s Family travel insurance policy, certain benefits are shared between the insured adults and their dependants. This means that when both adults are listed on the same policy, the total benefit available is pooled across the family. The benefit limits for Family policies are equal to double the single policy benefit limit (except for as listed below) and apply to the combined total of all claims made by the travellers (including dependants) listed on the Certificate of insurance.

For example, under the Special Event Transport benefit, each insured adult may be entitled to a limit of $5,000. When two adults are listed under the Family policy, up to $10,000 is available for the family in total, as outlined in the policy terms.

However, it’s important to understand that the benefit limit is not doubled for the following benefits and optional covers:

Benefit 13: Theft of Cash
Benefit 18: Personal Liability
Benefit 19: Rental Vehicle Excess
Benefit 23: Snow Resort Closure
Benefit 26: Bicycle Pack

Benefit amounts, limits, and sub-limits may vary depending on the type of travel insurance policy you choose, so it’s important to review the Product Disclosure Statement (PDS) for full details on how pooled benefits apply under your selected policy.

What does family travel insurance cover?

Travelling together as a family can be rewarding, but it also comes with its own set of unexpected situations. Fast Cover’s Family travel insurance offers a range of benefits designed to help your family prepare for unforeseen events that may arise during your trip, whether you are exploring overseas destinations or travelling within Australia.

This is a summary only. Terms, conditions, exclusions and limits apply. Not all benefits apply to all policies. Read the PDS and TMD before buying.

Cancelled family holidays can be both disappointing and expensive, especially when flights, accommodation, or tours have already been paid for the whole family.

If an insured family member becomes unexpectedly ill, injured, or experiences another event covered under your policy that results in the cancellation of your trip, Fast Cover’s Trip Cancellation Expenses benefit may reimburse the non-refundable costs you have already paid.*

At Fast Cover, you can buy a Family travel insurance policy for your family holiday up to 12 months prior to your departure date, including before you've booked your flights, tours and any accommodation. Please note cancellation cover is only available with our Standard Saver, Comprehensive, Domestic Plus, Snow Sports Plus and Frequent Traveller Saver policies.*

If your family’s pre-booked transport is cancelled and rescheduled or delayed due to an event covered under your policy, Fast Cover’s Travel Delay Expenses benefit may reimburse the reasonable cost of extra meals and accommodation.*

This benefit may provide cover for the reimbursement of reasonable additional meals and accommodation expenses up to $200 for each adult (shared with dependants) for each 24-hour period if your scheduled transport is delayed for at least 6 hours from the planned departure time, due to circumstances outside your control.*

When luggage or personal items belonging to any insured family member are lost, stolen, or damaged during a trip, it can cause inconvenience the whole family and leave you with out-of-pocket expenses.

Our Family travel insurance may include cover for luggage and personal items such as laptops, cameras, and phones if they are lost, stolen, or accidentally damaged in situations covered under your policy.*

Benefit limits and sub-limits apply to how much can be claimed for each item, and conditions apply to when and how cover is provided. For full details, it’s important to read the PDS to understand your entitlements and any exclusions that may apply.*

With Fast Cover’s Family travel insurance, all insured family members have access to our Australian-based Emergency Assistance team, available 24 hours a day, 7 days a week.*

Depending on your situation, Fast Cover’s Emergency Assistance team may be able to assist during unexpected medical emergencies overseas by:

Locating and arranging overseas medical treatment or hospital admission
Coordinating approved medical evacuation or repatriation
Providing guidance on accessing local medical support services*

Each insured family member listed on the policy can contact Emergency Assistance directly when urgent help is needed abroad.

Medical care overseas can be costly, and even a short hospital stay may result in significant expenses.

With Fast Cover’s Family travel insurance, you may be covered for overseas emergency medical and hospital expenses if an insured family member becomes unexpectedly ill or injured while on the trip.*

Fast Cover’s Family travel insurance is designed to help with the financial impact of unexpected illness or injury overseas. This may include necessary medical treatment, hospitalisation costs, or related medical expenses covered under your policy that are not reimbursed elsewhere.*

If an insured family member experiences a serious medical emergency while travelling, they may require medical transport or evacuation to the nearest hospital for emergency treatment, or repatriation back to Australia with appropriate medical supervision.*

Fast Cover’s Family travel insurance provides cover for reasonable additional accommodation and travel expenses, as well as the cost of medical transfer, evacuation, or repatriation when these services are approved under your policy.

All medical evacuations and repatriations must be arranged and approved by Fast Cover before they take place.^