We have a Family policy. Are my children covered if they are in the Kid's Club and not with me?

Dependants on Family or Single policies MUST be with the parent/s or grandparent/s as listed on their policy, for 100% of the time.

Dependants have cover under a Family or Single policy if they are in the Kid's club which is in the same accommodation/resort/cruise as their parents or grandparents.
If dependants travel to another city or accommodation/resort/cruise without their parent or grandparent, and were not with their parent or grandparent at the time of the claimed event (for example: an injury or sickness), there will be no cover. 
If your dependant will not be travelling with you for 100% of the time, you should purchase a separate Single policy for them.
Cover is subject to the policy terms, conditions, limits and exclusions in the Product Disclosure Statement (PDS).

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