A Family policy is a policy for:

• you, your spouse (or someone legally recognised in Australia as your de facto partner) and your dependants; or

• you, your spouse (or someone legally recognised in Australia as your de facto partner) and your grandchildren; or

• you, your son or daughter and your grandchildren.

Note:

• If you have a single parent family, or are travelling with your children or grandchildren and not your spouse (or someone legally recognised in Australia as your de facto partner), you can take out a Single policy and your children or grandchildren can be covered under your Single policy.

• Family policies provide cover for a traveller and their spouse or partner or son and daughter who are travelling together for at least 75% of the trip itinerary, and dependant children 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.

Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).