Travel insurance for families: kids covered at no extra cost
Planning a family getaway? ahm travel insurance that covers kids at no extra cost can help make your trip a bit smoother and a lot less stressful. From unexpected medical hiccups to lost luggage or flight delays, this guide shows how the right policy can have your whole crew covered.
Family holidays come with a mix of excitement, logistics, and the occasional snack negotiation. Whether you’re heading overseas or exploring closer to home, travelling with kids means planning for the unexpected and hoping for smooth sailing.
Before you go: what kids covered at “no extra cost” means
If you’ve spotted the phrase “kids covered at no extra cost~” and wondered what the catch is - good news, it’s pretty straightforward. With ahm travel insurance, dependants up to 18 years old can be included on your policy for free. They just need to be travelling with you for the whole trip and listed on the policy.
It’s a handy way to make sure the whole crew is included, without needing to add extra cover for each child. Just keep in mind: while there’s no extra cost, benefit limits apply per adult, with kids included under that umbrella.
Depending on your level of cover, this can include:
- Medical emergencies^ (like hospital visits or treatment)
- Trip cancellations or delays*
- Lost or stolen belongings±
If you’re keen to dig into the details, the Combined PDS/FSG is your best bet. Or if you’d rather chat it through, the ahm travel insurance team is just a phone call away on 1300 687 073.
Family travel hiccups: where travel insurance can step in
1. Tummy troubles & playground mishaps
Whether it’s a playground tumble or an unexpected food surprise, kids can sometimes need medical care while travelling. Travel insurance can help cover:
- Treatment costs
- Hospital stays
- Emergency transport
It’s all about keeping the little ones safe and letting you enjoy the holiday with a bit more peace of mind.
Tip: ahm travel insurance offers access to 24/7 support services, which can be handy if you’re unsure where to go or what to do.
2. Flight delays & missed connections
Delays happen and with kids in tow, they can be even trickier to handle. Depending on your policy, travel insurance may help with:
- Extra accommodation
- Rebooking costs
- Missed connections
Tip: Keeping all your travel documents together (like flight confirmations, hotel bookings, etc.), can make things a bit easier if plans need to change.
3. Lost bags & forgotten essentials
If your luggage goes missing, replacing kids’ essentials - like medication, clothes or favourite comfort items - can be stressful. Travel insurance can help cover the cost of replacing lost or stolen belongings.
Tip: Packing a few key items in your carry-on (like snacks, chargers or a change of clothes) can save the day if bags get delayed.
Wrapping it up: cover that keeps up with the kids
Travelling with kids is an adventure, and having travel insurance that includes them at no extra cost can help make it a smoother ride. It’s about having the extra support, so you can focus on the fun stuff - and maybe even sneak in a moment of calm amidst the chaos.
Check out ahm travel insurance options for your next family trip.
Things you should know
Limits, sub-limits, conditions and exclusions apply. This is general advice only. This product is distributed by Australian Health Management Group Pty Limited (ABN 96 003 683 298, AR 266711) and administered by Travel Insurance Partners Pty Limited (ABN 73 144 049 230, AFSL 360138). Travel insurance is underwritten by Zurich Australian Insurance Limited (ABN 13 000 296 640, AFSL 232507). Please consider your own needs and the Combined FSG/PDS to decide if this product is right for you. For information on the Target Market and Target Market Determinations, visit ahm.com.au/travel-insurance/forms-and-guides.
If they're travelling with you, identified on the certificate of insurance and under 18.
Unlimited overseas medical and hospital expense cover
Medical cover will not exceed 12 months from the onset of the illness or injury. Only applies to international policies.
Cover for lost, stolen or damaged items and travel documents
Comprehensive plans only. Item and aggregate limits apply.
Cancellation coverage Cancellation cover applies on a per-policy basis. For international comprehensive plans we include a $3,000 benefit per policy. If you need more, you can select an amount of cancellation cover from the options available to you at the time of applying for cover.
If you need to make a claim for trip cancellations, ensure you meet the specific criteria outlined in the Combined PDS/FSG(opens in a new tab).