InsureandGo Travel Insurance Review

Our verdict: InsureandGo travel insurance has three overseas and domestic plans to choose from with some impressive cover limits on offer in its most premium option.

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Cristal Dyer's headshot
James Martin's headshot

By

Cristal Dyer

&

James Martin

Updated

Fact checked

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Pros

  • InsureandGo won the domestic award for the 2023 Finder Awards and is highly commended for the Comprehensive category.
  • This brand's Gold One Trip policy offers rental car excess cover of up to $8,000. It's one of the highest sums around.

Cons

  • InsureandGo doesn't cover any pre-existing medical conditions as standard; you must complete a medical questionnaire for assessment.

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Summary of InsureandGo's Gold One Trip policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesUnlimited
Luggage and Personal Effects$15,000
Maximum Age Limit100

Table updated December 2024

How does InsureandGo Travel Insurance cover Covid-19?

InsureandGo is one of a growing list of providers that offer some cover for Covid-19. Here are some of the main benefits you'll find under its Silver and Gold policies:

  • Overseas medical expenses, including emergency medical, surgical, hospital, ambulance and repatriation costs where necessary.
  • Cancellation or trip disruption costs if you, a close relative or a travelling companion are diagnosed with Covid-19 after purchasing the policy.
  • Additional travel and accommodation expenses incurred after departure where you need to catch up to your original schedule.

If you want to compare how other insurers handle Covid-19 claims, we've outlined some of the providers that cover pandemic-related expenses.

What do Australians think of InsureandGo travel insurance?

  • 4.41/5 overall for Customer Satisfaction — higher than the average of 4.26
  • 4.74/5 for Trust — higher than the average of 4.57
  • 4.33/5 for Customer Service — higher than the average of 4.2

Based on InsureandGo travel insurance scores in Finder's 2024 Customer Satisfaction Awards.

What policies do InsureandGo offer?

InsureandGo has three different plans to choose from: Bare Essentials, Silver and Gold. You can purchase these plans either as a Domestic policy for travel within Australia or One Trip for international travel. Further to this, InsureandGo also offers separate policies for cruise travel and backpackers.

Here are some of the key insured events you can expect from a policy:

Luggage

Bare Essentials

Domestic or One Trip (International)

Passport

Silver

Domestic or One Trip (International)

Travel plane luggage passport

Gold

Domestic or One Trip (International)

The insurance is underwritten by Mitsui Sumitomo Insurance Company Limited and comes with a cooling-off period and excess.

The cooling-off period is 14 days which means if you decide the policy is not suitable after all, you can cancel and receive a full refund, provided you haven't made a claim and your trip hasn't started. The standard excess is $100 and is the amount you're required to pay when you make a claim. You can pay an additional premium to waive the excess or reduce your premium by doubling the excess.

Vanessa Tan's headshot

"I was looking at travel insurance for my dad and found that InsureandGo Gold had the highest Finder Score. It covered what we were looking for, including unlimited cover for trip cancellation and overseas medical expenses. I was happy with the price and loved that there was also a 10% discount for signing up through Finder. Before signing up, I checked the claims process and liked that we could easily find the forms on their website to see what would need to be filled out as well as a contact email and number for any issues. The sign-up process was quite easy and involved a medical screening questionnaire which took about 5 minutes to complete."

Vanessa Tan
Finder crew member

Here's a breakdown of InsureandGo travel insurance features

Standard features
Optional add-on
Exclusions

Check icon

Standard features

These are some of the features that InsureandGo can cover during your trip and leading up to it. Some of these features (like pet care cover), are often only available as part of the most comprehensive policy on offer, Gold.

  • Cancelling your trip before departure
  • Cutting your trip short
  • Delayed baggage
  • Legal expenses
  • Loss of income
  • Passport and travel documents
  • Personal belongings and baggage
  • Personal liability
  • Pet care
  • Overseas medical expenses
  • Rental car excess waiver
  • Travel delay expenses

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Optional add-on

Depending on which type of policy you are purchasing, you can choose from the following options for an added premium, in addition to the benefits covered above:

  • Additional specified items cover lets you raise the maximum amount paid out for certain nominated personal belongings if they were to be lost, damaged or stolen.
  • Business cover for when your trip involves business operations, you can get reimbursed for business equipment hire and replacement, emergency courier expenses, business money and staff replacement.
  • Golf cover will insure your own golf equipment as well as the costs of golf equipment fees and hire such as green fess or golf tuition.
  • Natural disaster cover for when you have to cancel your trip before departure or have travel delay or emergency expenses because of natural disasters.
  • Winter sports cover for costs related to 14 types of winter sports activities and even things like avalanche cover, lift passes and ski gear.

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Exclusions

When considering insurance policies, it's very important to review the circumstances under which you will not have your claim paid. These are usually referred to as general exclusions in your policy wording. InsureandGo won't cover you when your claim arises if:

  • You decide to continue with travel plans despite warnings from appropriate local or national authorities (like smartraveller.gov.au).
  • You or a travelling companion altered or cancelled your travel plans simply because you changed your mind.
  • It relates to a pre-existing medical condition you have not had approved by InsureandGo.
  • You were acting irresponsibly or dangerously or engaging in illegal or reckless activities.
  • Any claim resulting from your pregnancy or childbirth after the 30th week of pregnancy.
  • It is related to the consequences of a risky or dangerous sport or activity.
  • You or anyone you're travelling with is under the influence of non-prescribed drugs or alcohol.

This list is not exhaustive, so make sure you review InsureandGo's Product Disclosure Statement for a detailed breakdown of what is and isn't covered.

How to make a InsureandGo claim

  • Head to https://quote.insureandgo.com.au/policylogin.aspx
  • Enter your policy number, last name and date of birth
  • Complete your claim details by answering all sections
  • Upload any supporting documents relevant to your claim
  • Submit, and InsureandGo will contact you within 10 business days

Here's the bottom line about InsureandGo Travel Insurance

InsureandGo's range of policies should suit most types of travellers. You'll find cover for business travel, non-residents and senior travellers up to 100 years of age. Even its most affordable policy, Bare Essentials, has unlimited cover for overseas medical expenses and a small amount of cover for personal belongings and additional emergency expenses.

No insurer is perfect, however, and one area that InsureandGo does fall behind on is how it covers pre-existing medical conditions. There aren't any conditions covered as standard, which means you'll have to complete a medical questionnaire to determine if you'll be covered and how much you'll need to pay on top of a standard policy.

If you're still not sure about InsureandGo, you can compare other travel insurance companies here.

Frequently asked questions

Cristal Dyer's headshot
Written by

Writer

Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio

James Martin's headshot
Co-written by

Editor

James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio

James's expertise
James has written 204 Finder guides across topics including:
  • Car, home, life, health, travel and pet insurance
  • Managing the cost of living
  • Money-saving tips
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26 Responses

    Default Gravatar
    SueDecember 11, 2017

    Hi
    We are planning on travelling to Bali on 22/12/17. Are you covering any claims associated with the Mt Agung Volcano at the moment? If so, what sort of cover do you offer?

      AvatarFinder
      RenchDecember 12, 2017Finder

      Hi Sue,

      Thanks for your inquiry.

      According to our review on how Mt Agung impacts your Bali travel insurance and what you can claim for, InsureandGo they can only provide cover for policies that will be issued between 7:30pm (AEST) on 6th June 2018, and 8:00pm (AEST) on 8th June 2018. You may refer to the table from the first link above to know what date and time insurers stopped providing cover for Mount Agung as well as other volcano-related issues including the Bali ash cloud.

      While you may not be covered for events related to Mt Agung, travel insurance can still cover you for unexpected medical expenses, prepaid expenses and lost luggage.

      Best regards,
      Rench

    Default Gravatar
    ElizabethJuly 25, 2017

    Do you cover cancellations or disruptions to travel due to acts of Terrorism?

      Default Gravatar
      JonathanJuly 25, 2017

      Hello Elizabeth,

      Thank you for sending your inquiry.

      Based on the Product Disclosure Statement of InsureandGo General Exclusions, under Section A, you are not covered for, page 20 of 54, #6

      Any terrorist act or any loss incurred as a result of any intentional use of military force or other intervention by a government or official authority to intercept, prevent, or mitigate any known or suspected terrorist act.

      Hope this helps.

      Cheers,
      Jonathan

    Default Gravatar
    JohnApril 29, 2017

    I’m a USA citizen and planning to make two overseas (Europe and South America) trips this year (total travel less that 40 days). Would any of your policies cover this situation?
    John

      AvatarFinder
      ZubairMay 1, 2017Finder

      Hi John,

      Thank you for your question.

      You have contacted finder.com.au, an Australian comparison, an information service and not actually InsureandGo Travel Insurance.

      In order to get cover from an Australian travel insurer, most insurers will require that your trip is from or to Australia.

      If you are travelling from Australia you may find our travel insurance for non-residents article helpful.

      All the best,
      Zubair

    Default Gravatar
    RONFebruary 23, 2017

    I’M THINKING OF GOING TO BOTH ANAA AND KIRIBATI FLY FISHING AT DIFFERENT TIMES THIS YEAR. AS BOTH DESTINATIONS ONLY HAVE WEEKLY PLANE SERVICES, WOULD I BE COVERED FOR MEDICAL EVACUATION IF NEEDED AND WOULD I BE BETTER OFF IN GETTING A MULTI TRIP POLICY BEING 71 YEARS OF AGE,

      AvatarFinder
      ZubairFebruary 24, 2017Finder

      Hi Jane,

      Thank you for your question.

      You have contacted finder.com.au and not actually Insure and Go Travel Insurance, finder.com.au is a comparison and information service and doesn’t represent any insurance brand listed on our website.

      Insure and Go Travel Insurance does provide cover for annual multi-trip policies for up to a age of 100 and will also cover you for evacuation and repatriation.

      Please make sure though to read the eligibility criteria, features, and details of the policy, as well as the relevant PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Cheers,
      Zubair

    Default Gravatar
    DouglasFebruary 1, 2017

    We will be travelling to Europe in July from the 17th till the 19th August, were then in Venice we pick up a cruise for 7 days
    returning to Venice, then flying on to Dubai for 2 days before returning home. What i want to know is do i have to take out a separate policy for the cruise.

      AvatarFinder
      RichardFebruary 2, 2017Finder

      Hi Douglas,

      Thanks for getting in touch.

      Many policies cover cruise as standard. Please head over to our cruise travel insurance page to find out more and to browse through the brands in our panel that offer this cover.

      Cheers,
      Richard

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