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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.
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your contact no so i can speak to someone please regarding insurance
Hi Robyn,
Thanks for your question.
Please see InsuranceandGo’s contact details.
Cheers,
Shirley
Who is behind Insureandgo Travel Insurance in Australia?
How do you claim ?
Hi Peter,
Thank you for your enquiry. Insureandgo is underwritten by Mitsui Sumitomo Insurance Company. You can make a claim by visiting the InsureandGo claims page and downloading the claim form relevant to your claim. You may then follow the necessary prompts to submit the claim either by post or email.
Thank you for your enquiry and all the best.
We have a multi -trip policy.
We had to make a substantial medical claim (60K) on this policy on the first trip we took.
Does this affect subsequent trips on this policy?
Hi Judi,
Thanks for your comment.
Any specific questions about your policy should be directed straight to Insureandgo. If you need their contact number please let us know.
Hope this helps,
Shirley