We are Australia’s online travel insurance specialists, and we’re committed to offering you comprehensive and award-winning travel insurance products to travel in Australia or internationally at competitive prices. We don’t lock you into one product; we know that not everyone needs everything our top product covers, so we’ve created three levels of cover: Bare Essentials, Silver, and Gold, so you can compare travel insurance and choose the product that best suits your needs.
When you choose InsureandGo, you will get peace of mind knowing that you’re travelling with a provider that offers an expansive, 24/7 global assistance network. InsureandGo is fully owned by Europ Assistance, a global assistance company with presence in more than 200 countries and a network of more than 750,000 assistance providers. In 2019 alone, Europ Assistance helped 1.2 million travellers worldwide.
Not only that, but with our new online claims platform, lodging a claim has never been easier. If you need to file a claim, we offer chat and email support along the way to help you, all from the comfort of your home.
But you shouldn’t just take our word for it, we’ve won 14 separate awards and recommendations from comparison services and consumer advocacy groups. Our products have been awarded by Canstar in 2013, 2014 and 2015, and again in 2019. We also recently received 2 of Mozo’s Experts Choice Awards in basic travel insurance, and annual travel insurance, not to mention last year’s Trusted Service Award from Feefo. Take a look at our reviews on Feefo and Product Review too.
Travel insurance is an insurance policy designed to financially protect you while you’re travelling, and to protect the financial investments you’ve made by booking a holiday. While purchasing travel insurance is not mandatory, the Australian Government strongly advises that all Australian travelers protect themselves with travel insurance, regardless of whether you are travelling domestically or internationally.
A travel insurance policy is an essential tool designed to help protect you from financial losses that can be incurred from a wide range of factors. These factors include (but are not limited to) the need to cancel a trip, needing overseas medical treatment, or replacing lost or stolen luggage and personal belongings.
Always read the PDS before buying a travel insurance policy to make sure the product is right for you.
The last thing you want is to end up with a policy that doesn’t cover what you need. So to get you started here’s a few things you should consider:
Nobody wants to be involved in an emergency while on holiday, but travel doesn’t always go to plan.
Overseas emergency medical assistance provides you with financial assistance if you’re injured or fall sick while travelling overseas.
Having travel insurance means you’re covered for emergency medical evacuations, surgical and hospital treatments, and ambulance costs.
We will also cover the cost of your return to Australia earlier than planned if this is medically necessary, and we consider all pre-existing medical conditions.
It’s extremely inconvenient, not to mention costly if your luggage is lost, stolen, or damaged while you’re travelling.
But with the appropriate cover we will pay for the value of your property at the time it was lost, stolen or damaged.
Remember that all items you are claiming as lost, stolen, or damaged must be reported to the appropriate authority, usually within 24 hours, and you will need to be able to provide proof of ownership.
Losing your cash or travel documents might be your worst nightmare, but with the appropriate policy, we will pay for the cost of replacing your cash or important documents if they are lost, stolen, or damaged during your trip.
This includes your passport, travellers cheques, and visas.
You may not be covered in situations where your documents or cash were left unattended, and you will need to provide proof of ownership for any lost or stolen personal money.
Travel delays are an unfortunate reality these days.
There are many causes, but the number of global delays per day can often be as high as the tens of thousands.
If you are financially affected by a travel delay of more than 12 hours, and are covered for travel delays, we will reimburse the cost of your necessary additional meals and accommodation expenses.
Some limits are applied to this, and you will be reimbursed up to the amount shown on your policy.
Some travellers prefer to hire a car on holiday for the additional freedom.
However if the car is damaged, stolen, or involved in an accident, you may be responsible for paying the cost of the rental car excess.
We will reimburse the rental car insurance excess, if a car you have rented during your trip is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody.
Please note rental vehicle excess is available on Silver and Gold level cover up to the amount shown on your policy.
We hope that your trip goes ahead as planned, but sometimes things go wrong and you may need to cancel.
An insurance policy which includes cancellation cover will mean you are reimbursed for the cost of flights, accommodation, visas and paid for excursions or activities, in the event that you need to cancel your travel plans due to injury, unforeseen illness overseas, or because of other reasons that are outlined in the PDS.
We will also cover the cost of rescheduling your trip prior to departure if the cost of rescheduling does not exceed the cost of the cancellation.
“I had to cancel my trip due to a medical condition, so I made claim. I was updated when my case was being reviewed, then advised when I got approved. Funds were in my account the following night. It took 10 days in total from InsureandGo receiving documents to funds in my bank, excellent service. Easy process to make a claim.”
“This was the first time with this company, and it was very easy to set up our policy. Unfortunately we made a small claim which was dealt with very quickly and would definitely recommend this company.”
“This is the only travel insurance company I use. I can get insured for my pre existing conditions, the premium is reasonable, and when I needed to claim, they were first class, helpful, responsive, and paid immediately, allowing me to be released from the hospital in Thailand.”
The Australian Government or Medicare won’t be able to help you with overseas medical expenses, and although Australia has a number of reciprocal healthcare agreements with other nations, this will not provide financial assistance for transportation of very ill patients back to Australia to receive treatment.
Some countries might ask you for a copy of your travel insurance policies before granting a tourist visa. Check Smart Traveller to understand which countries will ask you to purchase travel insurance before applying for a visa. Despite not providing medical coverage within Australia, domestic travel insurance is important for providing you with coverage for situations such as trip cancelation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.
Bare Essentials is the most basic level of cover, which includes essential coverage such as medical expenses, personal liability, emergency expenses, and baggage cover. Silver includes all of this, but covers you for a lot more, including trip cancellation, travel delay expenses, and more. Gold Policies cover everything in the Bare Essentials and Silver levels, though insure you at a higher cash value, and additionally include cover for special events, hijacking, pet care, and journey resumption. All pre-existing medical conditions are considered for all three levels of cover.
If you opt for an annual policy^ over a single trip policy^, you will be covered for unlimited international trips over a 12 month period. Annual policies include unlimited overseas medical expenses, unlimited cancellation cover, and baggage covered up to $15,000 on Gold Policies.
To customize your policy, there are a number of additional upgrades available which offer coverage for winter sports, adventure sports, golf, business equipment, and natural disasters.
InsureandGo offers one of the most comprehensive policies when it comes to pregnancy travel insurance, covering you up until your 32nd week if you are expecting a single child, or up until your 24th week if expecting multiple babies.
As of the beginning of week 33 to week 40 of pregnancy, there is no cover for pregnancy related claims and normal childbirth.
However medical expenses cover will be provided for a range of complications associated with pregnancy. Please read the PDS for more information.
If at the time you purchase your travel insurance you know that you will be 33 to 40 weeks pregnant during your trip; you will be unable to claim cancellation for your trip.
Please keep in mind that no cover is available for children who are born overseas during your trip.
Dependent children are considered as your financially dependent children or grandchildren (including fostered, or adopted children or grandchildren) who are under 18 years of age and who are named on the Policy Schedule.
That basically means, 17 or under can travel for free, as long as travelling with parents. However, if the child is 18 or above, he/she will be charged as adults, whether or not they’re on our couple/family policy^.
Parents or grandparents can buy insurance on behalf of dependants as long as dependants under 16 years of age will have full 100% adult supervision during the trip.
A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication for in the last 5 years. If the condition was diagnosed more than 5 years ago but you are still seeking medical advice, treatments, medications, follow ups or check-ups, it is still considered a pre-existing condition.
To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone.
Please contact us if you would like to complete the questionnaire over the phone.
Purchasing travel insurance earlier won’t cost you any more money, as you will only pay for the travel period covered by your policy. The sooner you purchase your travel insurance, the longer you can take advantage of cancelation cover if it’s included as a part of your cover. This can help you recover prepaid travel costs should you need to cancel your trip for covered reasons before you begin your journey. Prepaid travel costs may include flights, accommodation, and tours, and these may be covered if you need to cancel your trip due to employment redundancy, a natural disaster, certain situations relating to pregnancy, or the injury, illness, serious damage to your home in Australia or death of someone in the travelling party or a relative based in Australia.
You can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports). We will endeavour to give you a response within 10 business days.
Please contact us if you have any questions regarding the claims process.
You should register your claim within 30 days of completing your travel.
Within the PDS, you will find helpful and detailed information regarding your travel insurance policy’s applicable excesses, premiums, period of cover, coverage limits, exclusions, and additional coverage options. Fully understanding the PDS is essential to making sure you minimise the risk of insurance claims being denied.
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¹ Australian Government – Tourism Statistics: https://www.tra.gov.au/research/domestic-tourism-by-australians/domestic-tourism-statistics/latest-domestic-tourism-statistics.
² Australian Government – Department of Foreign Affairs and Trade: http://smartraveller.gov.au/guide/all-travellers/insurance/pages/default.aspx#why-get-travel-insurance.
* Price derived from a single trip of 5 days, Individual, age 30, to New Zealand and Pacific. Cover for pre-existing medical condition and other extras may require an extra premium.
^ Cover for Connecting flights does not apply for any cost incurred where your scheduled transport is delayed by less than 4 hours or any claim that results from you missing a connecting flight where the stopover was originally scheduled on your itinerary at less than 6 hours.