Travel Insurance for Families
Kids and dependants travel under your policy at no extra charge*
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Kids covered for free
Provided your children (including step or legally adopted children) are unmarried and either under the age of 19 or under the age of 25 and studying full-time at an accredited institution of higher learning, you can add them to your family policy and we won’t charge you anything extra.*
*An extra premium may be charged for pre-existing medical conditions of your dependants.
What our customers say about us
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“PassportCard travel insurance has been a game-changer for me!
One standout feature is their commitment to loading the PassportCard with necessary funds in case of emergencies.
Their efficient and reliable service makes them my go-to choice for travel insurance every time.”
Moran B. – Product Review
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“HIGHLY RECOMMEND A++++
Great compassion and fast emergency payment when needed.”
Donna C. – Product Review
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“Very satisfied with the service and ease of the process.
Was in the USA and daughter was unwell and had to see a doctor in emergency hospital…. I called Passportcard and whilst I was still on the phone in real time the funds were loaded onto the card.”
Jim – Product Review
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“Friendly, efficient and easy to use.
They were more affordable and covered much more insurance wise than the regular insurers.”
Teresa – Google
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“So easy and love the card so we’re not out of pocket for claims.
PassportCard were easy to deal with, price was competitive and I love the idea of the card to settle claims instantly.”
HappyUpsider – Product Review
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“Great cover, Caring Supportive Staff and got me to the birthday on time!
Passport card were calm and put me at ease, confirmed my cover. Offered me hotel accommodation or alternative flights and were able to get a flight direct to Portugal.”
J Walker – Product Review
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“Australia based and dealing with them is a pleasure!
Their customer service skills are second to none & the advantage of dealing with this company; is they have their own in-house medical team.”
Jarrod – Google
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“Great service and great product
The level of their service is very impressive and the price point is very reasonable.”
Karen W. – Product Review
How does the PassportCard Instant Payouts work?
| Section | Product Type | Domestic Comprehensive | International Comprehensive |
|---|---|---|---|
| 1 | Cancellation & Journey Disruption | ✓ (Cover Chosen)* | ✓ (Cover Chosen)* |
| 2 | Overseas Medical & Dental Expenses | X | Unlimited* (Instant payouts using the PassportCard) |
| 3 | Hospital Related Expenses | X | ✓ $10,000*# |
| 4 | Accidental Death | ✓ $30,000*^ | ✓ $30,000*^ |
| 5 | Permanent Disability | ✓ $30,000^ | ✓ $30,000^ |
| 6 | Loss of Income | ✓ $45,000 *#× | ✓ $45,000 *#× |
| 7 | Travel Documents & Credit Cards | ✓ $5,000× | ✓ $5,000× |
| 8 | Theft of cash | ✓Up to $500 on the PassportCard | ✓Up to $500 on the PassportCard |
| 9 | Luggage & Personal Effects | ✓ $10,000* | ✓ $25,000* |
| 10 | Luggage & Personal Effects Delay Expenses | ✓$250 on the PassportCard, maximum of $1,000* | ✓$250 on the PassportCard, maximum of $1,000* |
| 11 | Travel Delay Expenses | ✓ $2,000*^# | ✓ $6,000*^# |
| 12 | Personal Liability | ✓ $5,000,000^ | ✓ $5,000,000^ |
| 13 | Rental Vehicle Insurance Excess | ✓ $10,000^ | ✓ $10,000^ |
| *Sub limits apply, ^per insured Adult, × per policy, # Waiting periods |
aaa1 – Cancellation & Journey Disruption
Domestic Comprehensive
- ✓ (Cover Chosen)*
International Comprehensive
- ✓ (Cover Chosen)*
2 – Overseas Medical & Dental Expenses
Domestic Comprehensive
- X
International Comprehensive
- ✓ Unlimited medical costs*
3 – Hospital Related Expenses
Domestic Comprehensive
- X
International Comprehensive
- ✓ $10,000 per policy*
4 – Accidental Death
Domestic Comprehensive
- ✓ $30,000^
International Comprehensive
- ✓ $30,000^
5 – Permanent Disability
Domestic Comprehensive
- ✓ $30,000^
International Comprehensive
- ✓ $30,000^
6 – Loss of Income
Domestic Comprehensive
- ✓ $45,000 *×
International Comprehensive
- ✓ $45,000 *×
7 – Travel Documents & Credit Cards
Domestic Comprehensive
- ✓ $5,000 *×
International Comprehensive
- ✓ $5,000 *×
8 – Theft of Cash
Domestic Comprehensive
- ✓ Up to $500 on the PassportCard*
International Comprehensive
- ✓ Up to $500 on the PassportCard*
9 – Luggage & Personal Effects
Domestic Comprehensive
- ✓ $10,000*
International Comprehensive
- ✓ $25,000*
10 – Luggage & Personal Effects Delay Expenses
Domestic Comprehensive
- ✓ $250 on the PassportCard, $1,000 in total*
International Comprehensive
- ✓ $250 on the PassportCard, $1,000 in total*
11 – Travel Delay Expenses
Domestic Comprehensive
- ✓ $2,000*^#
International Comprehensive
- ✓ $6,000*^#
12 – Personal Liability
Domestic Comprehensive
- ✓ $5,000,000^
International Comprehensive
- ✓ $5,000,000^
13 – Rental Vehicle Insurance Excess
Domestic Comprehensive
- ✓ $10,000×
International Comprehensive
- ✓ $10,000×
| Section | Product Type | Domestic Comprehensive | International Comprehensive |
|---|---|---|---|
| 14 | Cruise Cover | ✓ | ✓ |
| 15 | Search & Rescue | ✓ | ✓ |
| 16 | Pet Care | ✓ | ✓ |
| 17 | Concerts & Other Events | ✓ | ✓ |
| 18 | Business Cover | ✓ | ✓ |
| 19 | Snow Sports | ✓ | ✓ |
| 20 | Adventure Activities | ✓ | ✓ |
| 21 | Water Sports | ✓ | ✓ |
| 22 | Wheeled Activities | ✓ | ✓ |
| 23 | Golf Cover | ✓ | ✓ |
| See our Optional & Activities cover for more info |
14 – Cruise Cover
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
See full list of benefits
15 – Search & Rescue
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
16 – Pet Care
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
17 – Concerts & Other Events
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
18 – Business Cover
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
19 – Snow Sports
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
20 – Adventure Activities
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
21 – Water Sports
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
22 – Wheeled Activites
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
23 – Golf Cover
Domestic Comprehensive
- ✓
International Comprehensive
- ✓
*Sub limits apply, ^per insured Adult, × per policy, # Waiting periods, ~ Limited to 12-month period, + per day, ¹PassportCard Travel Insurance recognised in Mozo Experts Choice Awards 2025 – more information on the awards research methodology at Mozo. The Canstar 2025 Innovation Excellence Award was received in April, 2025 for PassportCard Travel Insurance.
All benefits and covers are subject to the terms, conditions, limitations and exclusions listed in the Combined Financial Services Guide and Product Disclosure Statement and on other policy documentation, including the schedule.
We’re award winning travel insurance
Family travel insurance FAQs
Yes. Provided they meet the criteria specified in the PDS for dependants and you list them as travellers when you purchase your policy, they will be covered under your policy.
The only cases that you will have to pay for your children is if they have pre-existing medical issues. Apart from those cases, provided your children (including step or legally adopted children) are unmarried and either under the age of 19 or under the age of 25 and studying full-time at an accredited institution of higher learning, you can add them to your family policy and we won’t charge you anything extra.
There is no limit to how many children you can include on your policy provided they are considered a dependant as specified in the relevant PDS.
Yes. We consider the age of each traveller at the time a policy is purchased rather than the age they will be (or will turn) at the time of travel.
Our family policies include cover for up to two adults (you and your spouse or partner) and their dependants. Any additional travellers will need to purchase their own policy.
Yes. If you are planning on including any adventure activities (for example, mountain biking, quad bike riding, outdoor rock climbing or a Segway tour) on your trip, it’s important that you add the Adventure Activities Cover option when purchasing your travel insurance policy.
While you should have the same level of access to medical care as you would normally, travel insurance can still be very valuable when travelling as a family to ensure you’re prepared for things like your trip being cancelled or cut short, or if your luggage or belongings are lost, stolen or damaged.
It’s important that you let us know if you are 26 or more weeks pregnant, have had any complications with your current or a previous pregnancy, are experiencing a multiple pregnancy or have a medically assisted pregnancy, or you won’t be covered for any serious or unexpected pregnancy-related complications. Please refer to the relevant PDS for more information about travelling while pregnant.
Simply call our Global Assistance team on +61 1800 490 478 or message us on WhatsApp. Our Australian-based Global Assistance team is available 24/7 and can quickly handle most common claims on-the-spot over the phone.
Tips when travelling as a family
With so much to think about when planning a family getaway, it’s easy for some things to slip your mind. To help your family holiday go off without a hitch, here are some helpful tips to make sure you’ve ticked everything off your list:
- Check everyone’s passport is valid with at least 6 months of validity left before the expiry date
- Do your research to choose family-friendly destinations and pre-arrange your accommodation in each location you plan to stay in
- If travelling with young children, try not to include too many destinations on your itinerary, as the constant packing and unpacking can become stressful
- Ensure each of you meets the visitor entry requirements for the countries you are visiting
- Arrange a travel currency card or other method of payment to cover expenses while you’re away
- Notify your financial institution of your plans to travel
- Contact your phone provider to ensure your phone plan will cover you while you’re away or purchase a pre-paid international SIM card
- Speak to your family or travel doctor to see if any of you will need any vaccinations prior to travelling
- If any family members take medications, ensure you take a large enough supply with you to last the entirety of the trip, as well as some extra to cover you in case of any significant delays
- If you’ll be doing any long-haul flights with an infant, see if you can pre-book a bassinet through your airline
- If your flights include meals, contact your airline to see if you can request kids meals for your children and remember to notify them of any allergies
- Remember to pack any medications, wipes, nappies and toiletries your children might need into your carry-on luggage, along with a change of clothing so you’re prepared for any accidents or spills
- Consider loading up on snacks and entertainment to help keep little ones occupied while in transit
- When booking your accommodation, consider whether you’ll be happy to eat out most of the time or if you’ll need accommodation with cooking facilities
- Consider pre-booking any tours or activities you want to do, as some travel providers and tour operators offer family discounts
- Provide details of your travel plans to a family member or close friend not travelling with you so you can be contacted in case of an emergency
- Visit the Australian government’s Smartraveller website for the latest travel advice for the destination/s you are travelling to
- Save the details of how to access emergency consular assistance in case you need it
- Organise your travel insurance with PassportCard.
Get cover for your next trip with PassportCard
Check Travel Alerts – they may affect your policy. For emergencies, call (24/7) +61 1800 490 478 or WhatsApp us