Travel Insurance for Family Holidays
Consider travel insurance that matches the destination, travellers, bookings and activities included in your holiday.
Think About Cover Before You Travel
Policy benefits, limits, eligibility rules and exclusions vary. Read the insurer’s documents before deciding whether a policy is suitable for you.
Travel Insurance Should Match the Trip You Are Taking
Travel insurance is not the exciting part of planning a holiday, but it is worth considering before you commit to major bookings.
Who is travelling
Age, existing medical conditions and the individual circumstances of each traveller may affect the cover available.
Where you are going
Domestic and international holidays can involve different medical, cancellation and disruption risks.
What has been booked
Flights, accommodation, cruises, tours and other prepaid arrangements may affect the cancellation risk you need to consider.
What you plan to do
Cruises, activities, sports and organised tours may have specific policy requirements, conditions or exclusions.
For families travelling with kids, parents and grandparents, the cover you consider may need to account for age, destination, medical conditions, cruises, tours, flights, cancellation risk and planned activities.
Roam Wisely Travel can help you understand the travel insurance questions to ask and where insurance may fit into your wider travel planning.
Why Consider Travel Insurance?
When planning a trip, it is worth thinking about what could happen if things do not go as expected. Depending on the policy you choose, travel insurance may provide cover for situations such as:
Trip or flight cancellations
Some policies may provide cover for eligible cancellation costs when a covered event prevents travel.
Lost, stolen or delayed luggage
Cover may be available for eligible luggage and personal-item claims, subject to limits and exclusions.
Overseas medical and dental emergencies
Some policies may provide cover for eligible emergency medical and dental expenses while overseas.
Illness or injury while travelling
Policy benefits may apply when illness or injury affects the trip, depending on the circumstances and policy wording.
Some Coronavirus-related events
Certain policies may include benefits for specified Coronavirus-related events. Cover varies between insurers and policies.
Some existing medical conditions
Some conditions may be covered automatically, while others may require assessment or may not be covered.
Travel delays and missed connections
Some policies may provide benefits for eligible travel delays, missed connections or other disruptions.
Travel Insurance as Part of the Wider Holiday
We can help you consider travel insurance as part of your wider holiday planning, especially when the trip includes several prepaid or connected arrangements.
Explain the insurance questions to consider
We can help identify the areas that may need attention based on the travellers and type of trip.
Point you to the relevant insurer documents
We can help you locate the Product Disclosure Statement, Financial Services Guide and Target Market Determination.
Include insurance in the wider planning conversation
Insurance can be considered alongside the timing, value and conditions of the travel arrangements being booked.
The final decision about whether to buy a policy should be based on the insurer’s documents, the policy terms, eligibility rules, exclusions and your own circumstances.
Read the Relevant Insurance Documents
These documents explain how the product works, who it is designed for and the cover, limits and exclusions that may apply.
Product Disclosure Statement
The Product Disclosure Statement sets out the policy benefits, limits, conditions and exclusions.
Financial Services Guide
The Financial Services Guide explains the financial service provided and other required information.
Target Market Determination
The Target Market Determination describes the type of customer the product has been designed for.
How to Ask About Travel Insurance
Travel insurance can be discussed alongside your wider holiday arrangements.
Send us the trip details
Tell us who is travelling, the destination, dates and the main travel arrangements being considered or booked.
Consider the relevant risks
Think about medical needs, cancellation exposure, cruises, planned activities and other parts of the holiday.
Review the insurer documents
Read the Product Disclosure Statement, Financial Services Guide and Target Market Determination.
Decide whether the policy suits you
Consider the policy terms, eligibility rules, exclusions and your own circumstances before buying.
Travel Insurance FAQs
Can I get cover for travel within Australia?
Yes, domestic travel insurance may be available. Cover, limits and exclusions vary by policy, so check the Product Disclosure Statement before buying.
What if I have a pre-existing medical condition?
Some conditions may be covered automatically, while others may need to be assessed or may not be covered. Always check the Product Disclosure Statement and complete any required medical assessment before relying on cover.
What if I catch COVID-19 while travelling?
Some policies may include cover for certain Coronavirus-related events. Cover varies by insurer and policy, so check the relevant Product Disclosure Statement for full details.
When should I consider travel insurance?
Travel insurance is worth considering before or soon after paying for flights, cruises, tours, accommodation or other major travel arrangements. Some benefits may only apply after a policy has been purchased.
Do cruises need special travel insurance?
Some travellers may need to check whether cruise cover is included or needs to be added. Check the Product Disclosure Statement for medical cover, cancellation cover, onboard medical treatment, shore excursions and cruise-specific exclusions.
Important Information
The information on this page is general information only and does not take into account your personal circumstances, travel plans or needs.
Cover is subject to the terms, conditions, limits and exclusions in the Product Disclosure Statement for the policy you choose. Before buying any travel insurance product, read the Product Disclosure Statement, Financial Services Guide and Target Market Determination and consider whether the product is suitable for your trip and circumstances.
Roam Wisely Travel ABN 26 798 035 783 receives a commission for travel insurance products purchased through us.
Travel Insurance Enquiry
If you would like to ask about travel insurance as part of your holiday planning, send us your trip details and we can explain the next steps.
