CoverForYou offers four types of travel insurance cover to suit different travellers: Just Me (Single Person), Couple, Family and Group.
The cover you can select depends on how many people are travelling, their ages, living arrangements and the type of policy you need.
Designed for one adult travelling alone.
Who is eligible? A single adult purchasing insurance for themselves.
Available policy types: Single Trip, Annual Multi-Trip and Backpacker.
If you're travelling on your own, this option provides cover specifically for you.
Couple cover insures two people who have lived together at the same address for at least six months.
You don't need to be married or in a romantic relationship to qualify.
You may be eligible if you share a household with someone such as:
Your partner or spouse, provided you've lived together for at least six months.
A friend or housemate who has lived at the same address as you for at least six months.
A relative, such as a sibling, parent or in-law, who meets the same residency requirement.
Important: Both people must have lived together at the same address for at least six months to qualify for Couple cover.
Available policy types: Single Trip, Annual Multi-Trip and Backpacker.
Family cover allows you to insure up to two adults and nine children on one policy.
The people insured do not need to be related, making this option suitable for a range of family and household arrangements.
Adults: Up to two people aged 18 or over.
Children: Up to nine people aged 17 or under when the policy is issued.
Stepchildren and foster children: Can also be included, provided they meet the eligibility requirements.
Category | Age |
|---|---|
Infant | Under 2 years old |
Child | 2–17 years old |
Adult | 18 years old or over |
A child's age is determined on the date the policy is issued.
Yes, on Annual Multi-Trip policies.
Adults insured under an Annual Multi-Trip Family policy can travel:
Together on the same trip.
Separately, without the other insured adult.
Each trip must still meet the terms, conditions and limits of the policy.
Yes. Children can travel unaccompanied under our policies, provided they meet all applicable legal and travel requirements.
This includes:
Airline rules for unaccompanied minors.
Appropriate parental or guardian consent.
Required passports, visas and travel documentation.
Any other legal or border entry requirements.
Important: Your travel insurance will not cover costs arising from refused travel or entry because the child does not have the required documentation or permission to travel independently.
Yes. Grandparents and grandchildren can be insured together under an Annual Multi-Trip Family policy, provided the policy's eligibility requirements are met.
Available policy types: Single Trip and Annual Multi-Trip.
Please note: Family cover is not available for Backpacker policies.
Group cover is designed for people travelling together who may not live at the same address or be related.
The eligibility requirements depend on the policy type.
You can insure up to 11 people on a Single Trip Group policy.
The group can include adults and children.
Travellers do not need to be related.
Travellers do not need to live at the same address.
This makes Group cover suitable for friends, extended families and other groups travelling together.
An Annual Multi-Trip Group policy can include:
Up to two adults, aged 18 or over.
Up to nine children, aged 17 or under.
The people insured do not need to be related or live together.
Group cover is also available for Backpacker policies.
Important: Backpacker Group policies provide cover for adults only. Children cannot be insured under this option.
Available policy types: Single Trip, Annual Multi-Trip and Backpacker.
Here's a quick comparison of the available options:
Cover Type | Who Can Be Insured? | Available Policies |
|---|---|---|
Just Me | One adult | Single Trip, Annual Multi-Trip, Backpacker |
Couple | Two people living together for at least six months | Single Trip, Annual Multi-Trip, Backpacker |
Family | Up to two adults and nine children | Single Trip, Annual Multi-Trip |
Group | Up to 11 people, subject to policy-specific requirements | Single Trip, Annual Multi-Trip, Backpacker |
If you're unsure which option is suitable for your travelling party, our team can explain the eligibility requirements and help you understand the available options.
You can also get a travel insurance quote to explore the available policy options.
Please note: All insured travellers must meet the eligibility requirements of the policy they purchase. Cover remains subject to the policy's terms, conditions, exclusions and applicable limits.
