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| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $15,000 |
| Maximum Age Limit | 100 |
InsureandGo received the highly commended award for Domestic Travel Insurance in the 2024 Product Awards. InsureandGo is also a 'Trusted Brand' in the Travel Insurance category in the 2024 Customer Satisfaction Awards.
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:
If you want to compare how other insurers handle Covid-19 claims, we've outlined some of the providers that cover pandemic-related expenses.
Based on InsureandGo travel insurance scores in Finder's 2024 Customer Satisfaction Awards.
What do Australians think of InsureandGo travel insurance?
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:
Bare Essentials
Domestic or One Trip (International)
Silver
Domestic or One Trip (International)
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.
"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."
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.
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:
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:
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.
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.
Butter International Travel Insurance comes with all the essentials and plenty of optional extras for those who want further coverage.
From fire and flood to earthquake and volcanic eruption, natural disasters can cause travel chaos, but travel insurance will have you covered.
Find out how to get travel insurance for children/under 18s travelling without the supervision of their parents and learn the terms and conditions for getting free child cover for your dependent child.
This article examines what is and isn’t covered by missed flight travel insurance and also takes a look at other types of trip interruption and cancellation cover.
Ready to get moving? See quotes and compare travel insurance policies for USA from 15
brands
Travelling on a one-way ticket? Learn how to find one-way travel insurance and what to look for in your policy.
Travel insurance claims can be confusing and time consuming. Find out what you can do in the event of a claim to ensure you are paid.
One of the features of many high-end or rewards credit cards is complimentary travel insurance. Unlike standalone travel insurance policies which require you to pay a premium, these policies are offered for free to cardholders. However, keep in mind that you still need to pay your card’s annual fee and will need to use your credit card to book certain holiday costs in order to activate cover.
Similar to standalone travel insurance policies, complimentary credit card travel insurance offers cover for a host of risks you face while travelling, including overseas emergency medical expenses, cancellation fees and lost deposits, luggage and personal belongings, and legal liability.
However, just as with any other type of insurance, these policies feature a range of limits and exclusions that you should be wary of before setting off on a trip. It also pays to compare credit card travel insurance policies closely before deciding which card offers the right cover for you.
Review affordable backpacker insurance for your next overseas adventure and find the right insurance policy to cover commonplace backpacking travel risks.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
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?
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
Do you cover cancellations or disruptions to travel due to acts of Terrorism?
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
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
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
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,
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
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.
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