{"id":97039,"date":"2026-08-04T11:33:25","date_gmt":"2026-08-04T02:03:25","guid":{"rendered":"https:\/\/thechampagnemile.com.au\/deals\/?page_id=97039"},"modified":"2026-08-26T10:19:28","modified_gmt":"2026-08-26T00:49:28","slug":"best-travel-insurance-for-families","status":"publish","type":"page","link":"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/","title":{"rendered":"Best Travel Insurance for Families: What to Check"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Kids are often covered at no extra cost on family travel insurance policies, which can make a big difference to the cost of a family holiday. But \u201cfree\u201d doesn\u2019t always mean unlimited: age limits, dependency rules and requirements about who is travelling together can vary between insurers. Family trips also come with their own risks, from cancelled accommodation and medical emergencies to lost baggage and unexpected changes to your plans. The right policy should give you confidence that those costs are covered before you leave, rather than leaving you to sort them out after something goes wrong.<\/p>\n\n\n\n<div class=\"wp-block-aioseo-key-points tcm-key-takeaways\"><div class=\"aioseo-key-points-block-content\">\n<ul class=\"wp-block-list tcm-key-takeaways\">\n<li><strong>Top pick for families:<\/strong> Zoom<\/li>\n\n\n\n<li class=\"tcm-key-takeaways\"><strong>Best budget option:<\/strong> Tick<\/li>\n\n\n\n<li><strong>Best for comprehensive cover:<\/strong> Southern Cross Travel Insurance<\/li>\n\n\n\n<li><strong>Important:<\/strong> Check cancellation, medical and baggage limits before buying.<\/li>\n\n\n\n<li><strong>Special circumstances:<\/strong> Check cover for pre-existing conditions, cruises and adventure activities.<\/li>\n<\/ul>\n<\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Our Top 3 Travel Insurance Picks for Families<\/h2>\n\n\n\n<div class=\"wp-block-rehub-deal-coupon-grid rhpb-deal-coupon-grid 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.grid_desc_and_btn{float: right;}\r\n\r\n                .offer_grid.mobile_grid .price_count{font-size:18px}\r\n                .offer_grid.mobile_grid.col_item{padding:7px !important}\r\n                .offer_grid.mobile_grid .re_actions_for_grid{display:none}\r\n                .offer_grid.mobile_grid .thumbplus, .offer_grid.mobile_grid .thumbminus{border:none}\r\n                .offer_grid.mobile_grid .thumbminus{margin-right:4px}\r\n                .mobile_grid .two_col_btn_for_grid{margin-top:5px; position:static; padding:0}\r\n                .mobile_grid.mobile_compact_grid figure img{height:100px}\r\n\r\n              }\r\n            <\/style>\t\t\t<div class=\"eq_grid pt5 rh-flex-eq-height col_wrap_three\" data-filterargs='{\"post_type\":\"post\",\"posts_per_page\":3,\"order\":\"desc\",\"tag__in\":[\"948\"],\"orderby\":\"date\",\"no_found_rows\":1,\"ignore_sticky_posts\":1}' data-template=\"compact_grid\" id=\"rh_dealgrid_1491080531\" data-innerargs='{\"columns\":\"3_col\",\"aff_link\":\"1\",\"disable_btn\":\"\",\"disable_act\":\"\",\"price_meta\":\"4\",\"gridtype\":\"compact\"}'>\r\n\t\t\t\t\t\t\t\r\n\r\n\r\n\r\n<article class=\"col_item offer_grid rehub-sec-smooth offer_grid_com mobile_compact_grid coupon_grid \">\r\n    <div class=\"info_in_dealgrid\">\r\n                <figure class=\"mb15\">\r\n                        <a class=\"img-centered-flex rh-flex-center-align rh-flex-justify-center re_track_btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\"  rel=\"nofollow sponsored\" target=\"_blank\" >\r\n                                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/themes\/rehub-theme\/images\/default\/noimage_220_150.png\" data-src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/southern-cross-travel-insurance-promo-codes-feature-image-4-286x150.jpg\" alt=\"southern cross travel insurance promo codes feature image 4\" data-skip-lazy=\"\" class=\"lazyload \" width=\"286\" height=\"150\">                                                <\/a>\r\n        <\/figure>\r\n                <div class=\"grid_desc_and_btn\">\r\n            <div class=\"grid_row_info flowhidden\">\r\n                \r\n                                <h2 class=\"flowhidden mb10 mt0 fontnormal position-relative \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">SCTI: Kids travel free<\/a><\/h2>\r\n                                     \r\n                                                                            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n    \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n            <div class=\"mt10 text-center clearbox\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  \">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t<\/div>\r\n                            <\/article>\t\t\t\t\t\t\t\r\n\r\n\r\n\r\n<article class=\"col_item offer_grid rehub-sec-smooth offer_grid_com mobile_compact_grid coupon_grid \">\r\n    <div class=\"info_in_dealgrid\">\r\n                <figure class=\"mb15\">\r\n                        <a class=\"img-centered-flex rh-flex-center-align rh-flex-justify-center re_track_btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\"  rel=\"nofollow sponsored\" target=\"_blank\" >\r\n                                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/themes\/rehub-theme\/images\/default\/noimage_220_150.png\" data-src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/06\/zoom-travel-insurance-promo-code-logo-4-286x150.png\" alt=\"Zoom logo with a teal location pin and airplane motif integrated into the wordmark.\" data-skip-lazy=\"\" class=\"lazyload \" width=\"286\" height=\"150\">                                                <\/a>\r\n        <\/figure>\r\n                <div class=\"grid_desc_and_btn\">\r\n            <div class=\"grid_row_info flowhidden\">\r\n                \r\n                                <h2 class=\"flowhidden mb10 mt0 fontnormal position-relative \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">10% Off When You Sign Up with Zoom Travel Insurance<\/a><\/h2>\r\n                                     \r\n                                                                            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n    \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n            <div class=\"mt10 text-center clearbox\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  \">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget discount\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t<\/div>\r\n                            <\/article>\t\t\t\t\t\t\t\r\n\r\n\r\n\r\n<article class=\"col_item offer_grid rehub-sec-smooth offer_grid_com mobile_compact_grid coupon_grid \">\r\n    <div class=\"info_in_dealgrid\">\r\n                <figure class=\"mb15\">\r\n                        <a class=\"img-centered-flex rh-flex-center-align rh-flex-justify-center re_track_btn\" href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\"  rel=\"nofollow sponsored\" target=\"_blank\" >\r\n                                                                            <img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/themes\/rehub-theme\/images\/default\/noimage_220_150.png\" data-src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2024\/11\/tick-travel-insurance-promo-code-logo-4-286x150.png\" alt=\"tick travel insurance promo code logo 4\" data-skip-lazy=\"\" class=\"lazyload \" width=\"286\" height=\"150\">                                                <\/a>\r\n        <\/figure>\r\n                <div class=\"grid_desc_and_btn\">\r\n            <div class=\"grid_row_info flowhidden\">\r\n                \r\n                                <h2 class=\"flowhidden mb10 mt0 fontnormal position-relative \"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\"  rel=\"nofollow sponsored\" target=\"_blank\"  class=\"re_track_btn\">Tick for straightforward, affordable cover<\/a><\/h2>\r\n                                     \r\n                                                                            <\/div>\r\n        <\/div>\r\n    <\/div>\r\n    \n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\"><\/div>\n            <div class=\"mt10 text-center clearbox\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\n\t\t \n\t\t\t\t\t        <div class=\"priced_block clearfix  \">\n\t              \t        \t\n\t            \t    \t\t\t    \t\t\t<span class=\"rh_button_wrapper\">\n\t\t            \t<a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance\" class=\"btn_offer_block re_track_btn\" target=\"_blank\" rel=\"nofollow sponsored\">\n\t\t\t            \t\t\t            \tget quote\t\t\t            \t\t\t            \t\t            <\/a>\n\t\t        \t<\/span>\n\t            \t\n\t\t    \t\t\t\t\t\t\t\t    \t\t\n\t\t        \t            \t        \n\t        <\/div>\n            \t    \t\t    \t\t\t\n\t<\/div>\r\n                            <\/article>\t\t\t\r\n\t\t\t\t\t<\/div>\r\n\t\t\r\n\t<div class=\"clearfix\"><\/div>\r\n\r\n\r\n<\/div>\n\n\n\n<h3 class=\"wp-block-heading\">Zoom: Best Overall Family Option<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-promo-code\/\">Zoom <\/a>is our pick for families because it combines broad travel insurance cover with a strong focus on value. Its policies can cover the essentials families need, including overseas medical expenses, cancellation, luggage and travel disruption, while eligible children can be covered at no additional premium. Zoom also offers a Price Match Promise, which can make it particularly appealing for families comparing policies on price. It\u2019s a good all-round choice if you want comprehensive cover without automatically moving to the most expensive option.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tick: Best Budget Option<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick <\/a>is our pick for families looking to keep the cost of travel insurance down without going without the essentials. Its policies offer cover for key family travel risks such as overseas medical expenses, cancellation, luggage and travel disruptions, making it a practical option for price-conscious travellers. Tick is particularly worth considering when you want straightforward cover without paying for features you may not need. Families should still compare the policy limits, excess and exclusions carefully, as the cheapest premium isn&#8217;t always the best value.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Southern Cross Travel Insurance: Best for Comprehensive Cover<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\">Southern Cross Travel Insurance<\/a> is our pick for families looking for comprehensive cover and strong protection across the major risks of an overseas trip. Its policies can provide cover for overseas medical expenses, cancellation, luggage, travel delays and other unexpected costs, while eligible dependent children can be covered at no additional premium. That can make SCTI particularly attractive for families wanting broad protection without taking out separate policies for children.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Compare Family Travel Insurance<\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Insurer<\/th><th class=\"has-text-align-left\" data-align=\"left\">Free Kids Cover<\/th><th class=\"has-text-align-left\" data-align=\"left\">Notable Feature<\/th><th class=\"has-text-align-left\" data-align=\"left\">Best For<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-promo-code\/\">Zoom<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Dependent children and grandchildren under 19<\/td><td class=\"has-text-align-left\" data-align=\"left\">Simple, fast claims process<\/td><td class=\"has-text-align-left\" data-align=\"left\">Straightforward family cover<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\">Southern Cross Travel Insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Dependent children and grandchildren included free<\/td><td class=\"has-text-align-left\" data-align=\"left\">Respected claims process and good cover limits<\/td><td class=\"has-text-align-left\" data-align=\"left\">Comprehensive cover<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick Travel Insurance<\/a><\/td><td class=\"has-text-align-left\" data-align=\"left\">Dependent children and grandchildren included free<\/td><td class=\"has-text-align-left\" data-align=\"left\">Budget-friendly, Canstar-awarded value<\/td><td class=\"has-text-align-left\" data-align=\"left\">Families on a tighter budget<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-small-font-size wp-block-paragraph\"><em>Table compiled 2 August 2026 from insurer information published on The Champagne Mile. Free-kids eligibility (age cutoff, dependency status, full trip duration) varies by insurer \u2013 always confirm current criteria on the insurer&#8217;s own quote page before buying.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Best Travel Insurance for Different Types of Families<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We&#8217;ve already cover who we consder to be the best 3 insurers for families above, but there may be certain situations where a more focused insurer is needed:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Pre-existing medical conditions<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Kids can have <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\">pre-existing conditions<\/a> too, and they need declaring just like an adult&#8217;s would. Asthma, allergies, or anything else your child has seen a doctor for in the past year should go on the medical questionnaire the same way it would for you. You might consider <a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear <\/a>for complex or multiple conditions or <a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Frequent travellers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you&#8217;re travelling for more than 3 trips a year with kids, you may find that an <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\">annual policy<\/a> works out to be cheaper than individual policies. For an Annual policy, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-promo-code\/\">Zoom <\/a>could be a great option.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cruises<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">We can&#8217;t say it enough, but you need specific insurance for <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\">cruises<\/a>. Don&#8217;t assume you&#8217;re covered with a land based policy. Consider <a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick Travel Insurance<\/a> &#8211; it won the 2025 Canstar Outstanding Value Award for Cruise Travel Insurance in its first year offering the product.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Adventure<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-for-adventure-sports\/\">Adventure sports &amp; special activities<\/a> result in some many injuries nd claims overseas, but if you don&#8217;t have specific cover, you&#8217;ll likely end up out of pocket with HUGE hospital bills. Scuba, skydiving, snowsports and especially motorbikes all fall outside normal policies &#8211; have a look at <a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">CoverMore\u00a0<\/a>and\u00a0<a href=\"https:\/\/thechampagnemile.com.au\/deals\/freely-discount-code\/\">Freely\u00a0<\/a>for cover.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Should Family Travel Insurance Cover?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">We&#8217;ve covered pre-existing medical conditions, cruises, adventure and frequent travelling above, that leaves: <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Children<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Free&#8221; kids cover almost always has strings attached. Age cutoffs range anywhere from 18 to 25 depending on the insurer, and most require the child to be financially dependent, not working full-time, and travelling with you for the whole trip. Check the specific criteria rather than assuming your teenager or young adult automatically qualifies just because you&#8217;ve seen &#8220;kids go free&#8221; in the marketing.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Multi-generations<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A multi-generational trip might need more thought than a single family policy. If grandparents are joining the kids on a big trip, check whether everyone actually fits under one family policy&#8217;s age limits \u2013 sometimes the cleanest solution is a specialist policy like AllClear for the older travellers, run alongside a standard family policy for the rest. Our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\" title=\"\">seniors travel insurance guide<\/a> covers this in more depth.<\/p>\n\n\n\n<div class=\"tcm-spotlight-outer\" style=\"\n  display:flex;\n  align-items:center;\n  gap:24px;\n  background:linear-gradient(135deg, #0a1f5c 0%, #132a6e 100%);\n  border-radius:14px;\n  padding:24px 28px;\n  margin:28px 0;\n  box-shadow:0 6px 20px rgba(10,31,92,0.18);\n  border:1px solid #b8992e;\n  flex-wrap:wrap;\n\">\n  <!-- Logo -->\n  <div class=\"tcm-spotlight-logo\" style=\"\n    flex:0 0 auto;\n    width:88px;\n    height:88px;\n    background:#ffffff;\n    border-radius:12px;\n    display:flex;\n    align-items:center;\n    justify-content:center;\n    padding:10px;\n  \">\n    <img decoding=\"async\" src=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/06\/zoom-travel-insurance-promo-code-logo-4.png\" alt=\"Zoom Travel Insurance logo\" style=\"max-width:100%;max-height:100%;object-fit:contain;\">\n  <\/div>\n  <!-- Copy -->\n  <div class=\"tcm-spotlight-content\" style=\"flex:1 1 320px;min-width:240px;\">\n    <!-- Badge row -->\n    <div class=\"tcm-spotlight-badge-row\" style=\"\n      display:flex !important;\n      flex-direction:row !important;\n      align-items:center !important;\n      gap:8px !important;\n      flex-wrap:wrap !important;\n      margin:0 0 10px 0 !important;\n      width:100%;\n    \">\n      <div style=\"\n        display:inline-flex !important;\n        align-items:center;\n        background:rgba(255,255,255,0.12);\n        color:#ffdf8a;\n        font-size:11px;\n        font-weight:700;\n        letter-spacing:0.03em;\n        padding:3px 10px;\n        border-radius:20px;\n        border:1px solid rgba(255,223,138,0.4);\n        white-space:nowrap;\n      \">Family Cover<\/div>\n    <\/div>\n    <h3 class=\"tcm-spotlight-headline\" style=\"\n      color:#ffffff !important;\n      font-size:20px;\n      line-height:1.3;\n      margin:0 0 6px 0;\n      font-weight:700;\n    \">Kids and grandkids travel free. No fine-print scavenger hunt.<\/h3>\n    <p style=\"\n      color:#d7ddf0;\n      font-size:14.5px;\n      line-height:1.55;\n      margin:0 0 16px 0;\n      max-width:560px;\n    \">Zoom covers dependent children and grandchildren under 19 for free on your policy, backed by a claims process built to be quick rather than a chore when you&#8217;re already juggling a family holiday. Five pricing tiers let you match cost against cover, with reimbursement for meals and delays if things don&#8217;t start smoothly at the airport.<\/p>\n    <!-- CTA row -->\n    <div style=\"display:flex;gap:12px;flex-wrap:wrap;\">\n      <a href=\"https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom\" rel=\"nofollow sponsored\" target=\"_blank\" style=\"\n        display:inline-block;\n        background:#b8992e;\n        color:#0a1f5c;\n        font-size:14px;\n        font-weight:700;\n        padding:11px 22px;\n        border-radius:8px;\n        text-decoration:none;\n        transition:opacity 0.2s ease;\n      \">Get Quote \u2192<\/a>\n      <span style=\"\n        display:inline-flex;\n        align-items:center;\n        color:#a9b2d6;\n        font-size:13px;\n        font-weight:500;\n      \">Kids &amp; grandkids under 19 travel free<\/span>\n    <\/div>\n  <\/div>\n<\/div>\n<style>\n  .tcm-spotlight-badge-row {\n    display: flex !important;\n    flex-direction: row !important;\n    align-items: center !important;\n    flex-wrap: wrap !important;\n    gap: 8px !important;\n  }\n  @media (max-width: 480px) {\n    .tcm-spotlight-outer {\n      flex-direction: column !important;\n      align-items: stretch !important;\n      text-align: center !important;\n      padding: 24px 20px !important;\n      gap: 16px !important;\n    }\n    .tcm-spotlight-logo {\n      width: 120px !important;\n      height: 120px !important;\n      margin: 0 auto !important;\n    }\n    .tcm-spotlight-content > div:first-child {\n      justify-content: center !important;\n    }\n    .tcm-spotlight-content p {\n      margin-left: auto !important;\n      margin-right: auto !important;\n    }\n    .tcm-spotlight-content > div:last-child {\n      justify-content: center !important;\n    }\n  }\n  .tcm-spotlight-outer a:hover { opacity:0.88; }\n  .tcm-spotlight-outer h3.tcm-spotlight-headline { color:#ffffff !important; }\n<\/style>\n\n\n\n<h3 class=\"wp-block-heading\">Medical<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It&#8217;s also worth understanding that a family policy isn&#8217;t one big shared pool of cover you can dip into however you like. Each person on the policy generally still has their own individual claim limits sitting underneath the combined family plan \u2013 so if two of you need medical treatment on the same trip, you&#8217;re each working within your own sub-limit, not sharing one number between you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If a family trip includes the United States, unlimited overseas medical cover stops being a nice-to-have and becomes close to essential. Australia doesn&#8217;t have a reciprocal healthcare agreement with the US, and hospital costs there are among the highest in the world. A single emergency room visit for a kid who&#8217;s taken a tumble at a theme park can run into the tens of thousands of dollars without cover \u2013 exactly the kind of holiday-ruining surprise good travel insurance exists to prevent.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Cancellation<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A child getting sick the night before you fly is one of the most common real-world triggers for a cancellation claim, so it&#8217;s worth checking your cancellation cover matches your full family trip cost, not just what an adult-only version of the same holiday would have cost. Flight delays hit differently with kids in tow too \u2013 a few extra hours at the airport is an inconvenience for two adults and a full-blown logistics problem with three bored children, which is exactly why a decent travel delay benefit (covering meals and entertainment while you wait) matters more for families than the headline premium number usually suggests.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Baggage<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Family baggage cover works differently to what most people assume \u2013 it&#8217;s rarely one shared pool for the whole family, and combined values add up fast when everyone&#8217;s packing devices, cameras, or a decent wardrobe for a two-week trip. Check the per-item and per-person sub-limits on your policy, not just the total baggage figure on the summary page \u2013 a single lost laptop or a stolen camera can easily exceed what a &#8220;family&#8221; limit actually pays out per item, even if the headline number looks generous. If anyone in the family is travelling with higher-value gear \u2013 tablets, jewellery, a decent watch \u2013 it&#8217;s worth declaring it specifically or adding gadget cover, since most standard policies cap single-item payouts well below what replacement actually costs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Excess<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A higher excess lowers your premium, which can be a reasonable trade-off for a family that rarely claims, but it&#8217;s worth weighing against the chance of multiple smaller claims (a missed connection here, a lost bag there) rather than one big one \u2013 with several people travelling, the odds of at least one claim go up. Always confirm whether the excess is per person, per claim, or per policy before you buy, since that detail matters more for a family than it does for a solo traveller.<\/p>\n\n\n\n<!-- TCM Family Travel Insurance Checklist \u2014 Custom HTML block -->\n<!-- Namespace: tcm-famchk- (scoped; self-contained, matches tcm- navy\/gold styling used sitewide) -->\n<style>\n.tcm-famchk-wrap {\n  --tcm-navy: #0a1f5c;\n  --tcm-gold: #b8992e;\n  --tcm-navy-tint: #eef1fa;\n  --tcm-border: #dfe3ee;\n  width: 100%;\n  max-width: 100%;\n  margin: 20px 0;\n  background: #fff;\n  border: 1px solid var(--tcm-border);\n  border-radius: 14px;\n  box-shadow: 0 4px 18px rgba(10, 31, 92, 0.08);\n  overflow: hidden;\n  font-family: inherit;\n  box-sizing: border-box;\n}\n.tcm-famchk-wrap * { box-sizing: border-box; }\n.tcm-famchk-head {\n  background: var(--tcm-navy);\n  padding: 16px 24px;\n  text-align: center;\n}\n.tcm-famchk-head div.tcm-famchk-title {\n  color: #fff !important;\n  font-size: 17px;\n  font-weight: 700;\n  margin: 0 0 2px 0;\n}\n.tcm-famchk-head div.tcm-famchk-sub {\n  color: #cfd7ee !important;\n  font-size: 12.5px;\n  margin: 0;\n}\n.tcm-famchk-progress-track {\n  height: 4px;\n  background: var(--tcm-navy-tint);\n}\n.tcm-famchk-progress-bar {\n  height: 100%;\n  background: var(--tcm-gold);\n  width: 0%;\n  transition: width 0.3s ease;\n}\n.tcm-famchk-body {\n  padding: 18px 24px 20px 24px;\n  max-width: 720px;\n  margin: 0 auto;\n}\n.tcm-famchk-count {\n  text-align: center;\n  color: var(--tcm-navy) !important;\n  font-size: 13px;\n  font-weight: 700;\n  margin: 0 0 14px 0;\n}\n.tcm-famchk-list,\n.tcm-famchk-list ul,\n.tcm-famchk-list ol {\n  list-style: none !important;\n  list-style-type: none !important;\n  margin: 0 !important;\n  padding: 0 !important;\n}\nli.tcm-famchk-item {\n  list-style: none !important;\n  list-style-type: none !important;\n  display: flex;\n  align-items: flex-start;\n  gap: 10px;\n  padding: 10px 12px;\n  border: 1.5px solid var(--tcm-border);\n  border-radius: 8px;\n  margin: 0 0 8px 0 !important;\n  cursor: pointer;\n  background: #fafbfe;\n  transition: border-color 0.15s ease, background 0.15s ease;\n}\nli.tcm-famchk-item::before,\nli.tcm-famchk-item::marker {\n  content: none !important;\n  display: none !important;\n}\nli.tcm-famchk-item:hover {\n  border-color: var(--tcm-gold);\n  background: #fdf9ef;\n}\nli.tcm-famchk-item.checked {\n  border-color: var(--tcm-navy);\n  background: var(--tcm-navy-tint);\n}\n.tcm-famchk-box {\n  flex: 0 0 20px;\n  width: 20px;\n  height: 20px;\n  margin-top: 1px;\n  border: 2px solid var(--tcm-navy);\n  border-radius: 5px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  background: #fff;\n}\nli.tcm-famchk-item.checked .tcm-famchk-box {\n  background: var(--tcm-navy);\n}\n.tcm-famchk-box svg {\n  width: 12px;\n  height: 12px;\n  opacity: 0;\n  transition: opacity 0.1s ease;\n}\nli.tcm-famchk-item.checked .tcm-famchk-box svg {\n  opacity: 1;\n}\nspan.tcm-famchk-label {\n  color: #1b2440 !important;\n  font-size: 13.5px;\n  line-height: 1.4;\n  padding-top: 1px;\n}\nli.tcm-famchk-item.checked span.tcm-famchk-label {\n  color: #565f7e !important;\n  text-decoration: line-through;\n}\n.tcm-famchk-footer {\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  gap: 12px;\n  margin-top: 16px;\n}\nbutton.tcm-famchk-reset {\n  background: none;\n  border: 1.5px solid var(--tcm-border);\n  color: var(--tcm-navy) !important;\n  font-size: 12px;\n  font-weight: 600;\n  padding: 7px 14px;\n  border-radius: 7px;\n  cursor: pointer;\n}\nbutton.tcm-famchk-reset:hover {\n  border-color: var(--tcm-gold);\n}\ndiv.tcm-famchk-done {\n  text-align: center;\n  color: var(--tcm-navy) !important;\n  font-size: 12.5px;\n  font-weight: 700;\n  margin-top: 12px;\n  display: none;\n}\ndiv.tcm-famchk-done.show { display: block; }\n@media (max-width: 480px) {\n  .tcm-famchk-body { padding: 14px 16px 16px 16px; }\n}\n<\/style>\n\n<div class=\"tcm-famchk-wrap\" id=\"tcmFamChkWrap\">\n  <div class=\"tcm-famchk-head\">\n    <div class=\"tcm-famchk-title\">Family Travel Insurance Checklist<\/div>\n    <div class=\"tcm-famchk-sub\">Before buying, check:<\/div>\n  <\/div>\n  <div class=\"tcm-famchk-progress-track\"><div class=\"tcm-famchk-progress-bar\" id=\"tcmFamChkProgress\"><\/div><\/div>\n\n  <div class=\"tcm-famchk-body\">\n    <div class=\"tcm-famchk-count\" id=\"tcmFamChkCount\">0 of 9 checked<\/div>\n\n    <ul class=\"tcm-famchk-list\" id=\"tcmFamChkList\">\n      <li class=\"tcm-famchk-item\" data-key=\"children\">\n        <span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span class=\"tcm-famchk-label\">Children are included on the policy<\/span>\n      <\/li>\n      <li class=\"tcm-famchk-item\" data-key=\"medical\">\n        <span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span class=\"tcm-famchk-label\">Medical cover is sufficient<\/span>\n      <\/li>\n      <li class=\"tcm-famchk-item\" data-key=\"cancellation\">\n        <span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span class=\"tcm-famchk-label\">Cancellation limit covers the prepaid trip<\/span>\n      <\/li>\n      <li class=\"tcm-famchk-item\" data-key=\"excess\">\n        <span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span class=\"tcm-famchk-label\">Family excess is acceptable<\/span>\n      <\/li>\n      <li class=\"tcm-famchk-item\" data-key=\"baggage\">\n        <span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span class=\"tcm-famchk-label\">Baggage limits cover your valuables<\/span>\n      <\/li>\n      <li class=\"tcm-famchk-item\" data-key=\"activities\">\n        <span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span class=\"tcm-famchk-label\">Activities are covered<\/span>\n      <\/li>\n      <li class=\"tcm-famchk-item\" data-key=\"pec\">\n        <span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span class=\"tcm-famchk-label\">Pre-existing conditions have been assessed<\/span>\n      <\/li>\n      <li class=\"tcm-famchk-item\" data-key=\"cruise\">\n        <span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span class=\"tcm-famchk-label\">Cruise cover is included if relevant<\/span>\n      <\/li>\n      <li class=\"tcm-famchk-item\" data-key=\"rentalcar\">\n        <span class=\"tcm-famchk-box\"><svg viewBox=\"0 0 16 16\" fill=\"none\"><path d=\"M2 8.5L6 12.5L14 3.5\" stroke=\"#fff\" stroke-width=\"2.4\" stroke-linecap=\"round\" stroke-linejoin=\"round\"\/><\/svg><\/span>\n        <span class=\"tcm-famchk-label\">Rental-car excess is covered if hiring a car<\/span>\n      <\/li>\n    <\/ul>\n\n    <div class=\"tcm-famchk-done\" id=\"tcmFamChkDone\">\u2713 All checked \u2014 you&#8217;re ready to buy with confidence.<\/div>\n\n    <div class=\"tcm-famchk-footer\">\n      <button class=\"tcm-famchk-reset\" id=\"tcmFamChkReset\">Reset checklist<\/button>\n    <\/div>\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  var STORAGE_KEY = 'tcmFamChkState';\n  var wrap = document.getElementById('tcmFamChkWrap');\n  var items = wrap.querySelectorAll('.tcm-famchk-item');\n  var progressBar = document.getElementById('tcmFamChkProgress');\n  var countEl = document.getElementById('tcmFamChkCount');\n  var doneEl = document.getElementById('tcmFamChkDone');\n  var resetBtn = document.getElementById('tcmFamChkReset');\n  var total = items.length;\n\n  function loadState() {\n    try {\n      var raw = window.localStorage.getItem(STORAGE_KEY);\n      return raw ? JSON.parse(raw) : {};\n    } catch (e) {\n      return {};\n    }\n  }\n\n  function saveState(state) {\n    try {\n      window.localStorage.setItem(STORAGE_KEY, JSON.stringify(state));\n    } catch (e) {}\n  }\n\n  function updateSummary() {\n    var checked = wrap.querySelectorAll('.tcm-famchk-item.checked').length;\n    countEl.textContent = checked + ' of ' + total + ' checked';\n    progressBar.style.width = (checked \/ total * 100) + '%';\n    doneEl.classList.toggle('show', checked === total);\n  }\n\n  var state = loadState();\n\n  items.forEach(function (item) {\n    var key = item.getAttribute('data-key');\n    if (state[key]) item.classList.add('checked');\n\n    item.addEventListener('click', function () {\n      item.classList.toggle('checked');\n      state[key] = item.classList.contains('checked');\n      saveState(state);\n      updateSummary();\n    });\n  });\n\n  resetBtn.addEventListener('click', function () {\n    items.forEach(function (item) { item.classList.remove('checked'); });\n    state = {};\n    saveState(state);\n    updateSummary();\n  });\n\n  updateSummary();\n})();\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\">How to choose the right policy<\/h2>\n\n\n\n<!-- TCM Family Travel Insurance Matcher \u2014 Custom HTML block -->\n<!-- Namespace: tcm-fam- (scoped; structure\/CSS ported from the Seniors\/Cruise\/PEC\/Solo\/Backpacker matchers, full-width + slim) -->\n<!-- Reviewed 26 Aug 2026: fixed broken Tick link (recommends\/tick -> recommends\/ticktravelinsurance),\n     removed Freely's inaccurate \"free kids\" claim (no longer part of Freely's offer), added SCTI\n     (explicit free-dependent-children messaging + broad PEC cover, published Aug 2026) in its place. -->\n<style>\n.tcm-fam-wrap {\n  --tcm-navy: #0a1f5c;\n  --tcm-gold: #b8992e;\n  --tcm-navy-tint: #eef1fa;\n  --tcm-border: #dfe3ee;\n  width: 100%;\n  max-width: 100%;\n  margin: 20px 0;\n  background: #fff;\n  border: 1px solid var(--tcm-border);\n  border-radius: 14px;\n  box-shadow: 0 4px 18px rgba(10, 31, 92, 0.08);\n  overflow: hidden;\n  font-family: inherit;\n  box-sizing: border-box;\n}\n.tcm-fam-wrap * { box-sizing: border-box; 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}\na.tcm-cta-btn.tcm-fam-btn {\n  display: inline-block;\n  background: var(--tcm-navy) !important;\n  color: #fff !important;\n  text-decoration: none !important;\n  font-size: 13px;\n  font-weight: 700;\n  padding: 8px 14px;\n  border-radius: 7px;\n}\na.tcm-cta-btn.tcm-fam-btn:hover { background: #071647 !important; }\n.tcm-fam-restart-row { text-align: center; margin-top: 16px; }\nbutton.tcm-fam-restart {\n  background: none;\n  border: 1.5px solid var(--tcm-border);\n  color: var(--tcm-navy) !important;\n  font-size: 12px;\n  font-weight: 600;\n  padding: 7px 14px;\n  border-radius: 7px;\n  cursor: pointer;\n}\ndiv.tcm-fam-disclaimer {\n  font-size: 10.5px;\n  color: #8890ab !important;\n  margin-top: 10px;\n  line-height: 1.45;\n  text-align: center;\n  max-width: 640px;\n  margin-left: auto;\n  margin-right: auto;\n}\n@media (max-width: 480px) {\n  .tcm-fam-body { padding: 14px 16px; }\n  .tcm-fam-card-top-row { flex-direction: column; align-items: flex-start; }\n}\n<\/style>\n\n<div class=\"tcm-fam-wrap\" id=\"tcmFamWrap\">\n  <div class=\"tcm-fam-head\">\n    <div class=\"tcm-fam-title\">Family Travel Insurance Matcher<\/div>\n    <div class=\"tcm-fam-sub\">3 quick questions \u2014 get matched to the right insurer, and the one clause to check first.<\/div>\n  <\/div>\n  <div class=\"tcm-fam-progress\"><div class=\"tcm-fam-progress-bar\" id=\"tcmFamProgress\"><\/div><\/div>\n\n  <div class=\"tcm-fam-body\">\n\n    <div class=\"tcm-fam-step active\" data-step=\"1\">\n      <div class=\"tcm-fam-qlabel\">Who&#8217;s travelling with you?<\/div>\n      <div class=\"tcm-fam-options\" data-q=\"group\">\n        <button class=\"tcm-fam-option\" data-value=\"none\">Just us adults this time<\/button>\n        <button class=\"tcm-fam-option\" data-value=\"fewkids\">1 to 2 kids or grandkids<\/button>\n        <button class=\"tcm-fam-option\" data-value=\"manykids\">3 or more kids or grandkids<\/button>\n        <button class=\"tcm-fam-option\" data-value=\"multigen\">Grandparents and kids together<\/button>\n      <\/div>\n      <div class=\"tcm-fam-nav\">\n        <button class=\"tcm-fam-back\" disabled=\"\">\u2190 Back<\/button>\n        <span><\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"tcm-fam-step\" data-step=\"2\">\n      <div class=\"tcm-fam-qlabel\">What matters most to you?<\/div>\n      <div class=\"tcm-fam-options\" data-q=\"priority\">\n        <button class=\"tcm-fam-option\" data-value=\"freekids\">Free cover for the kids<\/button>\n        <button class=\"tcm-fam-option\" data-value=\"price\">The lowest price<\/button>\n        <button class=\"tcm-fam-option\" data-value=\"support\">Strong 24\/7 support<\/button>\n        <button class=\"tcm-fam-option\" data-value=\"activity\">Cover for adventure activities<\/button>\n      <\/div>\n      <div class=\"tcm-fam-nav\">\n        <button class=\"tcm-fam-back\">\u2190 Back<\/button>\n        <span><\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"tcm-fam-step\" data-step=\"3\">\n      <div class=\"tcm-fam-qlabel\">Where are you headed?<\/div>\n      <div class=\"tcm-fam-options\" data-q=\"destination\">\n        <button class=\"tcm-fam-option\" data-value=\"usa\">The USA<\/button>\n        <button class=\"tcm-fam-option\" data-value=\"general\">Asia, Europe or elsewhere<\/button>\n        <button class=\"tcm-fam-option\" data-value=\"cruise\">A cruise<\/button>\n        <button class=\"tcm-fam-option\" data-value=\"unsure\">Not sure yet<\/button>\n      <\/div>\n      <div class=\"tcm-fam-nav\">\n        <button class=\"tcm-fam-back\">\u2190 Back<\/button>\n        <span><\/span>\n      <\/div>\n    <\/div>\n\n    <div class=\"tcm-fam-results\" id=\"tcmFamResults\">\n      <div class=\"tcm-fam-result-heading\">Your best matches<\/div>\n      <div class=\"tcm-fam-result-sub\">Based on your answers \u2014 always confirm free-kids age cutoffs and current benefits before buying.<\/div>\n      <div id=\"tcmFamCards\"><\/div>\n      <div class=\"tcm-fam-restart-row\"><button class=\"tcm-fam-restart\" id=\"tcmFamRestart\">Start over<\/button><\/div>\n      <div class=\"tcm-fam-disclaimer\">This tool gives general guidance only and isn&#8217;t personal financial advice. The Champagne Mile may earn a commission via links above. Always read the PDS and Target Market Determination before purchasing a policy.<\/div>\n    <\/div>\n\n  <\/div>\n<\/div>\n\n<script>\n(function () {\n  var wrap = document.getElementById('tcmFamWrap');\n  var steps = wrap.querySelectorAll('.tcm-fam-step');\n  var progress = document.getElementById('tcmFamProgress');\n  var resultsEl = document.getElementById('tcmFamResults');\n  var cardsEl = document.getElementById('tcmFamCards');\n  var answers = { group: null, priority: null, destination: null };\n\n  function showStep(n) {\n    steps.forEach(function (s) {\n      s.classList.toggle('active', parseInt(s.getAttribute('data-step'), 10) === n);\n    });\n    resultsEl.classList.remove('active');\n    progress.style.width = (n \/ 3 * 100) + '%';\n  }\n\n  steps.forEach(function (step) {\n    var options = step.querySelectorAll('.tcm-fam-option');\n    var qKey = step.querySelector('[data-q]').getAttribute('data-q');\n    var backBtn = step.querySelector('.tcm-fam-back');\n\n    options.forEach(function (opt) {\n      opt.addEventListener('click', function () {\n        options.forEach(function (o) { o.classList.remove('selected'); });\n        opt.classList.add('selected');\n        answers[qKey] = opt.getAttribute('data-value');\n\n        var stepNum = parseInt(step.getAttribute('data-step'), 10);\n        setTimeout(function () {\n          if (stepNum < 3) {\n            showStep(stepNum + 1);\n          } else {\n            renderResults();\n          }\n        }, 200);\n      });\n    });\n\n    backBtn.addEventListener('click', function () {\n      var stepNum = parseInt(step.getAttribute('data-step'), 10);\n      if (stepNum > 1) showStep(stepNum - 1);\n    });\n  });\n\n  document.getElementById('tcmFamRestart').addEventListener('click', function () {\n    answers = { group: null, priority: null, destination: null };\n    wrap.querySelectorAll('.tcm-fam-option.selected').forEach(function (o) { o.classList.remove('selected'); });\n    showStep(1);\n  });\n\n  \/\/ Insurer data\n  var insurers = {\n    zoom: {\n      name: 'Zoom Travel Insurance',\n      why: 'Dependent children and grandchildren under 19 travel free, with a fast, straightforward claims process.',\n      watch: 'Confirm the current age cutoff directly, as free-kids eligibility criteria can change.',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/zoom'\n    },\n    tid: {\n      name: 'Travel Insurance Direct',\n      why: 'Dependent children and grandchildren included on the policy at no extra cost, from a well-known Australian brand.',\n      watch: 'Check whether every family member needs to be individually named on the policy to qualify.',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/tid'\n    },\n    scti: {\n      name: 'SCTI (Southern Cross)',\n      why: 'Dependent children travel free on eligible policies, backed by 40+ years in the market and one of the broader pre-existing condition allowances around.',\n      watch: 'No promo code applies here \u2014 pricing is fully personalised to your trip rather than discount-driven.',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/scti'\n    },\n    covermore: {\n      name: 'Cover-More',\n      why: 'A well-known global name backed by Zurich, protecting over 15 million travellers a year.',\n      watch: 'Family-specific benefits are assessed case-by-case \u2014 confirm what applies to your family size on the quote.',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/covermore'\n    },\n    was: {\n      name: 'WAS Insurance',\n      why: 'Robin Assist provides genuine 24\/7 support, useful for a family that wants a real person on the line in an emergency.',\n      watch: 'Confirm specific activity sub-limits directly if adventure activities are part of your family trip.',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/wastravelinsurance'\n    },\n    fastcover: {\n      name: 'Fast Cover',\n      why: 'Individually assesses pregnancy and pre-existing conditions, backed by an Aussie-based assistance team.',\n      watch: 'Good if your family trip mixes different needs \u2014 confirm free-kids terms directly, as they\\u2019re assessed case-by-case.',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/fastcover'\n    },\n    tick: {\n      name: 'Tick Travel Insurance',\n      why: 'Budget-friendly tiered cover, with kids under 18 travelling free when accompanied by an insured parent or guardian.',\n      watch: 'Check which tier includes family-relevant benefits like cancellation and pre-existing condition cover.',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/ticktravelinsurance'\n    },\n    allclear: {\n      name: 'AllClear',\n      why: 'No upper age limit, making it the natural fit when grandparents are joining a multi-generational family trip.',\n      watch: 'Not a family-specific policy \u2014 best paired with a standard family policy for the rest of the group.',\n      url: 'https:\/\/thechampagnemile.com.au\/deals\/recommends\/allclear'\n    }\n  };\n\n  function renderResults() {\n    var picks = [];\n\n    \/\/ Group-driven baseline\n    if (answers.group === 'multigen') {\n      picks = ['allclear', 'scti', 'covermore'];\n    } else if (answers.group === 'manykids' || answers.group === 'fewkids') {\n      picks = ['zoom', 'tid', 'scti'];\n    } else {\n      picks = ['covermore', 'was', 'tick'];\n    }\n\n    \/\/ Priority overrides\n    if (answers.priority === 'freekids') {\n      picks = picks.filter(function (p) { return p !== 'zoom'; });\n      picks.unshift('zoom');\n    }\n    if (answers.priority === 'price') {\n      picks = picks.filter(function (p) { return p !== 'tid' && p !== 'tick'; });\n      picks.unshift('tid');\n    }\n    if (answers.priority === 'support') {\n      picks = picks.filter(function (p) { return p !== 'was'; });\n      picks.unshift('was');\n    }\n    if (answers.priority === 'activity') {\n      picks = picks.filter(function (p) { return p !== 'fastcover'; });\n      picks.unshift('fastcover');\n    }\n\n    \/\/ Destination adjustments\n    if (answers.destination === 'usa') {\n      picks = picks.filter(function (p) { return p !== 'tick'; });\n      if (picks.indexOf('covermore') === -1) picks.unshift('covermore');\n    }\n    if (answers.destination === 'cruise') {\n      picks = picks.filter(function (p) { return ['covermore', 'allclear', 'tick', 'zoom', 'scti'].indexOf(p) !== -1; });\n      if (picks.length === 0) picks = ['covermore', 'allclear'];\n    }\n\n    \/\/ De-dupe, cap at 3\n    var seen = {};\n    var finalPicks = [];\n    picks.forEach(function (p) {\n      if (!seen[p] && insurers[p] && finalPicks.length < 3) {\n        seen[p] = true;\n        finalPicks.push(p);\n      }\n    });\n\n    cardsEl.innerHTML = '';\n    finalPicks.forEach(function (key, idx) {\n      var ins = insurers[key];\n      var card = document.createElement('div');\n      card.className = 'tcm-fam-card' + (idx === 0 ? ' tcm-fam-top' : '');\n      card.innerHTML =\n        '<div class=\"tcm-fam-card-top-row\">' +\n          '<div class=\"tcm-fam-card-name\">' + ins.name + '<\/div>' +\n          (idx === 0 ? '<span class=\"tcm-fam-badge\">Top match<\/span>' : '') +\n        '<\/div>' +\n        '<div class=\"tcm-fam-card-why\">' + ins.why + '<\/div>' +\n        '<div class=\"tcm-fam-watch\"><b>Check before buying:<\/b> ' + ins.watch + '<\/div>' +\n        '<a class=\"tcm-cta-btn tcm-fam-btn\" href=\"' + ins.url + '\" target=\"_blank\" rel=\"nofollow sponsored\">Get a Quote &rarr;<\/a>';\n      cardsEl.appendChild(card);\n    });\n\n    steps.forEach(function (s) { s.classList.remove('active'); });\n    resultsEl.classList.add('active');\n    progress.style.width = '100%';\n  }\n})();\n<\/script>\n\n\n\n<p class=\"wp-block-paragraph\">Start with the free-kids fine print rather than the headline claim \u2013 check the exact age cutoff, whether grandkids are included alongside kids, and whether &#8220;free&#8221; requires the child to be travelling with you the entire trip. From there, size your cancellation cover to your actual full family trip cost, since a sick child the night before departure is a genuinely common reason families end up needing to claim, and it&#8217;s a lot less stressful to have that sorted in advance than to be arguing over sub-limits while someone&#8217;s got a fever.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Our Top Picks for Families<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-promo-code\/\">Zoom <\/a>is the simplest starting point for most families, largely because the free-kids offer is front and centre rather than buried in the PDS \u2013 dependent children and grandchildren under 19 travel free, and the claims process is built to be quick rather than a chore during an already stressful moment.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If budget is the deciding factor, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/tick-travel-insurance-promo-code\/\">Tick Travel Insurance<\/a> or<a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-direct-promo-code\/\"> Travel Insurance Direct <\/a>are worth comparing.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For a genuinely well-known global name, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/southern-cross-travel-insurance-promo-codes\/\">Southern Cross Travel Insurance<\/a> and <a href=\"https:\/\/thechampagnemile.com.au\/deals\/covermore-promo-code\/\">Cover-More<\/a> are the obvious mainstream choices. And if your family trip includes grandparents as well as kids, it&#8217;s worth reading our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\" title=\"Best Travel Insurance for Seniors in Australia: Compare Age Limits, Pre-Existing Conditions and the Traps to Avoid\">seniors travel insurance guide<\/a> alongside this one \u2013 a family policy&#8217;s upper age limit can sometimes fall short of covering grandma and grandpa even when everyone else fits comfortably, and <a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear&#8217;s <\/a>no-upper-age-limit approach is built for exactly that gap.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Families heading somewhere adventurous have two solid options worth comparing directly: <a href=\"https:\/\/thechampagnemile.com.au\/deals\/was-travel-insurance-promo-code\/\">WAS Insurance<\/a>, whose Robin Assist team provides genuine 24\/7 support, and <a href=\"https:\/\/thechampagnemile.com.au\/deals\/fast-cover-promo-code\/\">Fast Cover<\/a>, which assesses <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-pregnant-travellers\/\">pregnancy <\/a>and pre-existing conditions individually and backs it with an Aussie-based assistance team. Either is a reasonable fit if your trip mixes hiking, snow sports or water activities with the usual family holiday itinerary.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">More Travel Insurance Guides<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\" title=\"\">Best travel insurance for seniors in Australia<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-cruises\/\" title=\"\">Best travel insurance for cruises<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\" title=\"\">Travel insurance for pre-existing medical conditions<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/annual-vs-single-trip-travel-insurance\/\" title=\"\">Annual vs single-trip travel insurance<\/a><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Current Travel Insurance Promo Codes<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">For a full list of our travel insurance deals and promotions, <a href=\"https:\/\/thechampagnemile.com.au\/deals\/travel-insurance-promo-codes\/\">head to our promotions page <\/a>here or <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/\" title=\"\">back to our Travel Insurance guides hub<\/a> here.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Other Useful Links<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Got a complaint about a travel insurer? Lodge it with the <a href=\"https:\/\/www.afca.org.au\/make-a-complaint\/insurance\">Australian Financial Complaints Authority (AFCA)<\/a> \u2013 give the insurer a chance to resolve it internally first, usually within 45 days.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For current government travel advisories, check <a href=\"https:\/\/www.smartraveller.gov.au\/\">Smartraveller<\/a> \u2013 Australia&#8217;s official travel advisory service.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Do kids really travel free on family travel insurance?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Often yes, but with conditions attached. Most insurers require the child to be financially dependent, not working full-time, and travelling with you for the entire trip, and age cutoffs vary from around 18 up to 25 depending on the insurer. <a href=\"https:\/\/thechampagnemile.com.au\/deals\/zoom-travel-insurance-promo-code\/\">Zoom<\/a> covers dependent children and grandchildren under 19 for free, for example. Always check the specific criteria before assuming your child qualifies.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Do I need unlimited medical cover for a family trip to the USA?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Strongly recommended, close to essential. Australia has no reciprocal healthcare agreement with the United States, and hospital costs there are among the highest in the world. A single emergency room visit without adequate cover can be extremely costly, so unlimited overseas medical cover is worth treating as a non-negotiable for any US-inclusive family trip.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Does a family travel insurance policy share one combined limit between everyone?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">No, generally not. Each family member typically has their own individual claim limits underneath the combined family policy, rather than one shared pool. If more than one person needs to claim, each of you works within your own sub-limit.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Can I cancel my family trip if my child gets sick before departure?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Usually yes, if your policy includes cancellation cover and the illness meets the policy&#8217;s definition of a covered event. This is one of the more common real-world claims families make, so it&#8217;s worth confirming your cancellation cover matches your full family trip cost before you travel.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">What if grandparents are joining a family trip \u2013 can everyone go on one policy?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">It depends on the insurer&#8217;s age limits. Some family policies have an upper age cutoff that grandparents can exceed even when the rest of the family fits comfortably. In that case, a specialist policy like <a href=\"https:\/\/thechampagnemile.com.au\/deals\/allclear-travel-insurance-promo-code\/\">AllClear<\/a>, which has no upper age limit, alongside a standard family policy for everyone else, can be a cleaner solution. See our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-seniors-in-australia\/\" title=\"\">seniors travel insurance guide<\/a> for more.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Do children need to be declared for pre-existing medical conditions too?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes. A child&#8217;s asthma, allergies or any other condition they&#8217;ve seen a doctor for should be declared the same way an adult&#8217;s would be. See our <a href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/travel-insurance-pre-existing-medical-conditions\/\" title=\"\">pre-existing conditions guide<\/a> for what actually needs declaring.<\/p>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-aioseo-faq\" data-schema-only=\"false\"><h3 class=\"aioseo-faq-block-question\">Is travel delay cover worth prioritising for family trips?<\/h3><div class=\"aioseo-faq-block-answer\">\n<p class=\"wp-block-paragraph\">Yes, more than the premium comparison usually suggests. A delayed flight is a bigger logistical challenge with kids involved than with adults alone, and a policy with a genuine benefit for meals and entertainment during a delay is worth factoring into your decision, not just the base premium.<\/p>\n<\/div><\/div>\n\n\n<div id=\"rh-postel-2085714323\" class=\"rh-flex-center-align rh-flex-justify-\">\n\t\t<style>\n\t\t\t#rh-postel-2085714323 .heart_thumb_wrap .heartplus{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .price_count{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 a.admin{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .admin-name{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 a.admin img{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 nav.top_menu > ul > li{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .admin_meta_el{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .priced_block .btn_offer_block{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .wpsm-button.medium{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .menu-cart-btn{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .price_count .rh_regular_price{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .price_count del{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .rh-header-icon{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 nav.top_menu > ul > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .dl-menuwrapper button svg line{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .dl-menuwrapper button{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 nav.top_menu ul.sub-menu > li > a{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .heads_icon_label{\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .rh_woocartmenu-amount{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .row_social_inpost span.share-link-image{\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .favour_btn_red .heart_thumb_wrap{\n\t\t\t\t\n\t\t\t\t\n\t\t\t\t\n\t\t\t}\n\t\t\t#rh-postel-2085714323 .favour_in_row{\n\t\t\t\t\n\t\t\t}\n\t\t<\/style>                    <div class=\"author_detail_box clearfix\"><img alt='michael' src='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=69&#038;d=mm&#038;r=g' srcset='https:\/\/secure.gravatar.com\/avatar\/256e32f2f5867573891f17366c8dd5f6358af8dff92dc7f5a4b2b53df73e2e5a?s=138&#038;d=mm&#038;r=g 2x' class='avatar avatar-69 photo' height='69' width='69' \/>                <style>\r\n                    .author_detail_box { background-color: #fff; border: 1px solid #ededed; padding: 20px 0px; margin: 5px auto 40px auto; position: relative; min-height: 90px;width: 100%}\r\n                    .author_detail_box a{text-decoration: none;}\r\n                    .archive .author_detail_box { margin: 0 0 10px 0 }\r\n                    .author_detail_box .avatar {width: 71px; position: absolute; left: 20px; top: 15px; }\r\n                    .author_detail_box > div { width: 100%;    padding: 0 20px 0 110px }\r\n                    .author_detail_box div .social_icon { border-bottom: 1px solid #eee; padding-bottom: 15px; margin-bottom: 15px; }\r\n                    .author_detail_box div h4 {margin: 0 0 8px 0;}\r\n                    .author_detail_box div p { font-size: 14px;line-height: 16px; color: #111111; margin: 0 0 10px 0 }\r\n                    .author_detail_box .rh_mycred-users-badges{display: inline-block; margin-right: 5px }\r\n                    .rtl .author_detail_box .avatar { left: inherit; right: 20px }\r\n                    .rtl .author_detail_box > div { padding: 0 110px 0 20px }\r\n                <\/style>\r\n                <div class=\"clearfix\">\r\n                                    \r\n                    <strong class=\"mb10\">\r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/author\/michael\/\">michael<\/a>\r\n                                                \r\n                    <\/strong class=\"mb10\">\r\n                    <div class=\"social_icon small_i\">\r\n                        <div class=\"comm_meta_cred\">\r\n                                                                                <\/div>                     \r\n                        <a href=\"https:\/\/thechampagnemile.com.au\/deals\/\" class=\"author-social hm\" rel=\"nofollow\"><i class=\"rhicon rhi-home\"><\/i><\/a>                                                                                                                                                                                                                     <\/div>\r\n                    <p>Michael is a contributor to The Champagne Mile &#8211; Deals. No fancy credentials &#8211; just a genuine obsession with finding ways to travel better for less, and sharing those finds with anyone who&#8217;ll listen. Michael figures there are plenty of other Australians who&#8217;d rather spend five seconds clicking a link than five hours searching for a working code.\r\n\r\nWhen he&#8217;s not buried in promo codes, Michael is probably planning his next trip overseas or dirtbike adventure.<\/p>                    <p>\r\n                <\/div>\r\n            <\/div>\r\n        <\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kids are often covered at no extra cost on family travel insurance policies, which can make a big difference to the cost of a family holiday. But \u201cfree\u201d doesn\u2019t always mean unlimited: age limits, dependency rules and requirements about who is travelling together can vary between insurers. Family trips also come with their own risks, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":98922,"parent":96339,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"categories":[],"tags":[],"class_list":["post-97039","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO Pro 5.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"Compare the best family travel insurance in Australia. Free kids cover eligibility, medical cover for families, and the claims that trip families up most often.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"google-site-verification\" content=\"Lb-YNjKnkpLidK0Mw6a1JQ5pvIJpY2aovB5oxBuwgxo\" \/>\n\t<meta name=\"msvalidate.01\" content=\"81ff27c196c04306b8b6d2c52967f5e8\" \/>\n\t<link rel=\"canonical\" href=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO Pro (AIOSEO) 5.0.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"THE CHAMPAGNE MILE\" \/>\n\t\t<meta property=\"og:type\" content=\"article\" \/>\n\t\t<meta property=\"og:title\" content=\"Best Travel Insurance for Families: What to Check\" \/>\n\t\t<meta property=\"og:description\" content=\"Compare the best family travel insurance in Australia. Free kids cover eligibility, medical cover for families, and the claims that trip families up most often.\" \/>\n\t\t<meta property=\"og:url\" content=\"https:\/\/thechampagnemile.com.au\/deals\/guides\/best-travel-insurance-for-families\/\" \/>\n\t\t<meta property=\"fb:admins\" content=\"522783484576523\" \/>\n\t\t<meta property=\"og:image\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/best-travel-insurance-for-families-feature-image.jpg\" \/>\n\t\t<meta property=\"og:image:secure_url\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/best-travel-insurance-for-families-feature-image.jpg\" \/>\n\t\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t\t<meta property=\"og:image:height\" content=\"630\" \/>\n\t\t<meta property=\"article:published_time\" content=\"2026-08-04T02:03:25+00:00\" \/>\n\t\t<meta property=\"article:modified_time\" content=\"2026-08-26T00:49:28+00:00\" \/>\n\t\t<meta property=\"article:publisher\" content=\"https:\/\/facebook.com\/champmile\" \/>\n\t\t<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n\t\t<meta name=\"twitter:site\" content=\"@milechampagne\" \/>\n\t\t<meta name=\"twitter:title\" content=\"Best Travel Insurance for Families: What to Check\" \/>\n\t\t<meta name=\"twitter:description\" content=\"Compare the best family travel insurance in Australia. Free kids cover eligibility, medical cover for families, and the claims that trip families up most often.\" \/>\n\t\t<meta name=\"twitter:image\" content=\"https:\/\/thechampagnemile.com.au\/deals\/wp-content\/uploads\/2026\/08\/best-travel-insurance-for-families-feature-image.jpg\" \/>\n\t\t<script type=\"application\/ld+json\" class=\"aioseo-schema\">\n\t\t\t{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-families\\\/#aioseo-article-msdzruvz\",\"name\":\"Best Travel Insurance for Families: What to Check\",\"headline\":\"Best Travel Insurance for Families: What to Check\",\"author\":{\"@type\":\"Person\",\"name\":\"michael\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/author\\\/michael\\\/\"},\"publisher\":{\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/#organization\"},\"image\":{\"@type\":\"ImageObject\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/wp-content\\\/uploads\\\/2026\\\/08\\\/best-travel-insurance-for-families-feature-image.jpg\",\"width\":1200,\"height\":630},\"datePublished\":\"2026-08-04T11:33:25+09:30\",\"dateModified\":\"2026-08-26T10:19:28+09:30\",\"inLanguage\":\"en-AU\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-families\\\/#breadcrumblist\",\"itemListElement\":[{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals#listItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\",\"nextItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/#listItem\",\"name\":\"Guides\"}},{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/#listItem\",\"position\":2,\"name\":\"Guides\",\"previousItem\":{\"@type\":\"ListItem\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals#listItem\",\"name\":\"Home\"}}]},{\"@type\":\"FAQPage\",\"@id\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-families\\\/#faq\",\"url\":\"https:\\\/\\\/thechampagnemile.com.au\\\/deals\\\/guides\\\/best-travel-insurance-for-families\\\/\",\"mainEntity\":[{\"@type\":\"Question\",\"name\":\"Do kids really travel free on family travel insurance?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Often yes, but with conditions attached. 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