Understanding the Different Levels of Cover at InsureandGo

InsureandGo offers three different levels of travel insurance cover for you to compare and review, based on the needs of your trip.

Bare Essentials

‘Bare Essentials’ is the simplest level of cover available at InsureandGo. Bare Essentials provides basic cover for:


  • Medical and emergency expenses (but not hospital expenses)

  • Baggage and belongings (but not valuables, like passports, mobile phones, tablets, cameras)

  • Personal liability

You should keep in mind that Bare Essentials does not cover trip cancellations, hospital benefits, valuables and travel or baggage delays.

If you require a more inclusive level of cover, it may be in your best interests to upgrade your insurance to the Silver or Gold package or consider a specific sports, business or valuables upgrade only.


InsureandGo Silver

The ‘Silver’ package provides more comprehensive travel insurance cover for your trip. It is considered the next level of cover up from ‘Bare Essentials.’

The Silver package includes:

  • Medical and hospital cover

  • Trip cancellations and delays

  • Loss or delay of baggage/belongings

  • Valuables cover, including items like money, passports, phones, laptops

  • Cover for personal liability and legal expenses

  • Loss of income

  • Rental vehicle excess waiver

The Silver level of cover is ideal for those who want a little more than just the basic cover.


InsureandGo Gold

The ‘Gold’ package is the most comprehensive level of cover offered by InsureandGo.

The Gold level of cover is similar to the Silver, but goes a step further to offer:

  • Higher levels of cover in each insurance area (e.g. $50,000 instead of $15,000)

  • Cover for the costs of returning home due to an emergency and the costs associated with resuming your trip overseas

  • Compensation for additional areas, such as ongoing pet care if your travels are delayed

The Gold package has been designed to bring travellers the most comprehensive policy available at InsureandGo.

Unsure which level of cover you need? You can compare each travel insurance option by reviewing the areas and limits offered and the excesses payable.

For all of the packages above, InsureandGo can also provide you with additional upgrades for valuables, winter sports, business equipment and even golfing equipment.

For full details on each level of cover make sure to read the Product Disclosure Statement (PDS) or contact our customer service agents before you buy to understand your options






Get a quote

Your cover

Journey dates

Traveller details

Useful Numbers

Emergency assistance:
+612 9333 3999
Non emergency claims:
1300 550 396

Download our PDS
Click here

InsureandGo?
Here's why...

  • Global brand covering over 1.6 million travellers per year.
  • Get a quote in seconds
  • Cover up to the age of 100
  • 24 hours emergency assistance
  • All medical conditions considered
  • Quick and easy claims process

Concerned about pre-existing medical conditions? Click here