A Family travel insurance policy for the family holiday was formerly looked upon as a luxury.  Travellers need to be covered. Covermore are one of Australia's largest travel insurers and offer discounted travel insurance rates. Generally, a comprehensive travel insurance policy costs around 6% of the price of your trip.

Travel Insurance policies cover things like a stolen wallet or purse, an accident or an illness. Travel insurance also provides compensation for delays and cancellation, for damaged or lost luggage, and you'll be provided with a help line phone number for emergencies.  Dependants are covered under an adults policy.  Here at BYOkids we use and recommend Cover-More travel insurance.  Established in 1986 as a travel insurance specialist, Cover-More has quickly grown to become Australia's first choice for travel insurance.

Cover-More administer more travel insurance sales, medical assessments and claims than any other provider in Australia. Cover-More Travel Insurance is 100% Australian owned. Cover-More now have operations in Australia, New Zealand and the United Kingdom.

Each year more than 1,000,000 travellers pack a Cover-More Travel Insurance with them when they travel. These travellers are all protected by 24 hour emergency assistance provided by our sister company, Customer Care.

Cover-More Travel Insurance policies also give you the option of purchasing single trip or annual multi-trip cover.  Single Trip Cover is suitable if you want cover for just the one trip, this is the policy for you. Alternatively an Annual Multi-Trip Cover is best if you plan on getting away more than once this year, this might be a cheaper more convenient option for you if you are a frequent traveller.

We've got the answers to some of the most frequently asked questions:

Are children covered for free on my policy?
Answer: Yes. Your children and grandchildren as long as they are under 21, not in full-time employment and will be accompanying you on your trip are covered on your policy at no additional charge.

Is snow skiing and snowboarding covered?
Answer: Yes. All Cover More policies cover skiing and snowboarding. We do not provide cover for ‘off-piste' skiing/snowboarding or racing and we do not cover sporting equipment whilst in use.

If I am pregnant, is there anything I need to be aware of when taking out Cover-More travel insurance?
Answer: Cover-More Travel Insurance policies provide cover for pregnancy, but the following conditions apply:
- If there have been complications with this or any previous pregnancy or the conception was medically assisted, you will be required to complete an Assessment Form prior to cover being accepted.
- No cover is provided for standard check-ups or scans.
- No cover exists where unexpected serious complications occur after the 26th week of pregnancy.
- Cover cannot be provided for childbirth or the health of a newborn child, irrespective of the stage of pregnancy at which the child is born.
I want to buy extra coverage for a valuable item, what do I do?
Answer: Before departure, you must contact the agent or broker you purchased the insurance from and provide them with a valuation or the purchase receipt for the item you wish to insure. The extra cover can then be added to your policy. Check the policy brochure for limits. 

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BYOkids is a full service licenced travel agent so if you wish to book flights, tours, accommodation, car rental, cruises and more please enquire here or phone 1300BYOKIDS (1300 296543)