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Product Review Winner 2025
Rated 4.6 on Trust Pilot

Award Winning Travel Insurance

Since 2012, InsureandGo has covered over 2 million Australians with competitive and easy-to-understand comprehensive travel insurance. Whether you are travelling within Australia or overseas, choose cover that suits your trip and budget. Get a quote in minutes and travel with Australia’s online travel insurance specialist.

Get a quote now!

Why our Customers Choose InsureandGo Travel Insurance

“We always use InsureandGo for overseas trips. Signing up is quick and easy. I have a health condition, and the questions were simple to answer. We’ve never had to claim, but it’s great knowing we’re covered if something goes wrong.” - Robbert V, InsureandGo Customer, Trustpilot

Our travel insurance products are rated 4.7 stars on Trustpilot and 4.2 stars on Google. Read our reviews on Product Review and Trustpilot.

  1. Award-Winning Travel Insurance.
    Recognised by Canstar, Finder, and WeMoney, InsureandGo Australia has earned 20+ industry awards in the past decade. In 2024, we were awarded Best for Seniors Travel Insurance by WeMoney, Outstanding Value for International and Seniors Travel Insurance by Canstar, and Trusted Brand for Travel Insurance by Finder.
  2. 24/7 Emergency Assistance.
    Our global emergency assistance team is available 24/7. We are fully owned by Europ Assistance, a global company present in over 200 countries with more than 750,000 assistance providers. In 2019, Europ Assistance helped 1.2 million travellers worldwide. Call us any time: +61 2 9333 3999
  3. Multiple Cover Options.
    Your trip is unique, and so is our cover. We offer flexible options for solo travellers, couples, and families. Choose single-trip or annual multi-trip plans. Our single-trip and Annual Multi-Trip plans provide up to three levels of plans to select from: Bare Essentials, Silver and Gold.
  4. Fast Online Claims.
    Submit and track claims online in minutes. Our simple process makes it easy to get support when you need it most.
  5. Comprehensive Benefits.
    Our policies can offer a range of benefits based on the plan you choose, including trip cancellation, lost baggage, travel delays, rental car excess, COVID-19 cover and unlimited overseas medical expenses (subject to the policy terms, conditions, limitations and exclusions).
    Children under 18 travel free when accompanied by a parent or guardian, and couples receive a 10% discount.

Get Your Travel Insurance Quote Today!

Please note, with effect from 11 July 2025, Europ Assistance Australia Pty Ltd (“EAA”, trading as InsureandGo), registered business address, and principal place of business, will change to Level 9, 35 Clarence Street. Sydney NSW 2000, Australia. This address replaces EAA’s street address as set out in the PDS.

What is travel insurance?
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presence in more than 200 countries

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network of more than 750,000 assistance providers

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Europ Assistance helped 1.2 million travellers worldwide

Trip Types

One trip AU
One-Trip Travel Insurance
Our one-trip travel insurance policy is for single travellers, couples and families undertaking a single, one-...
Multi-trip AU
Annual Multi-Trip Travel Insurance
If you’re a frequent international traveller, Insure&Go’s Annual Multi-Trip Travel Insurance offers a convenie...
Cruise Travel Insurance
Cruise travel insurance
Our cruise insurance policy is available in three levels of cover; Bare Essentials, Silver and Gold, so you ca...
Domestic travel insurance
Domestic Travel Insurance
Our Domestic Travel Insurance policy provides comprehensive cover for an affordable price. With different leve...

Benefits Of Our Travel Insurance†

Covid-19 Coverage Available in Silver and Gold Policies
Unlimited Overseas Medical Expenses: includes emergency treatment, hospital care, medical evacuation, and complications related to pregnancy
All pre-existing conditions considered
Cancellations: trip cancellation covers for unforeseen events like injury, illness or because of other reasons outlined in the PDS.
All pre-existing conditions considered
Luggage & Baggage: up to $15,000 for lost, stolen, or damaged luggage and valuables (Gold cover)
Quick and easy online claims process
Car Rental Excess: Covers up to $8,000 in excess charges for rental car damage or theft of the vehicle (Gold cover)
Quick and easy online claims process
Activity Cover: 90+ sports and leisure activities automatically covered
Cover up to 100 years of age
Cover up to 100 years of age (Cruise and Bare Essential Policies cover up to 79 years of age)
what au.02

What is Travel Insurance? A Simple Guide for Your Next Trip

Travel insurance helps cover financial losses if something goes wrong while you are on a trip. It can cover various potential losses, such as trip cancellations, overseas medical treatment, and lost or stolen luggage. While not mandatory, the Australian Government strongly advises all travellers to have travel insurance.

When considering travel insurance, make sure to read the Combined Financial Services Guide and Product Disclosure Statement to confirm the product is right for you.

Learn more about travel Insurance here or get a quote now.

Important steps to consider before getting a travel insurance quote

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 are a few things you should consider:

1. Check Smartraveller to make sure your destination is safe to visit.

2. Confirm that all people named on the policy are residents of Australia. If you are in Australia on a working holiday VISA, a sponsorship VISA or even a student VISA, it’s important for you to have valid Medicare cover, or private health insurance, for the length of your trip.

3. Make sure you buy your policy before you start your trip. If you buy it after you’ve left it will be invalid.

4. Tell us about your pre-existing medical conditions; we can assess your pre-existing medical conditions and, if approved, offer you cover. It’s really important that you’re open and honest about this because if you don’t declare all pre-existing medical conditions, they may not be covered.

5. Work out if you’re willing to pay an excess. An excess is deducted from any payment we make to you. For example, having a $200 excess reduces your premium, but if you make a claim, $200 would be deducted from any claim payment. Conversely, if you chose to waive the excess, your policy would be more expensive, but you would get 100% of the claim back, provided your claim is approved and does not exceed your policy limits.

Our standard excess amount is $100, but you can decide to remove or double this amount through the purchase process. Find more info about excess here.

6. Read the Product Disclosure Statement. Learning about it now can save you headaches later on. Ready to protect your trip? Get an insurance quote now to find the best travel insurance plan for your needs.

 

1

Check smartraveller.gov.au to make sure your destination is safe to visit.

2

Confirm that all people named on the policy are residents of Australia. If you are in Australia on a working holiday VISA, a sponsorship VISA or even a student VISA, it’s important for you to have valid Medicare cover, or private health insurance, for the length of your trip.

3

Make sure you buy your policy before you start your trip. If you buy it after you’ve left it will be invalid.

4

Tell us about your pre-existing medical conditions, we can assess your pre-existing medical condition and if approved, offer you cover. It’s really important that you’re open and honest about this, because if you don’t declare all pre-existing medical conditions they may not be covered.

5

Work out if you’re willing to pay an excess. An excess is deducted from any payment we make to you. For example, having a $200 excess reduces your premium, but if you make a claim, $200 would be deducted from any claim payment. Conversely, if you chose to waive the excess, your policy would be more expensive, but you would get 100% of the claim back, provided your claim is approved and does not exceed your policy limits.

Our standard excess amount is $10,0 but you can decide to remove or double this amount through the purchase process. Find more info about excess here.

6

Read the Product Disclosure Statement. Familiarising yourself with it now can save you headaches later on.

Still got Questions?

Have a question? There is a high chance you will find the answer in our FAQs section.

See all FAQs

Product Disclosure Statement

Make sure you're covered for what you think you are by reading our combined Financial Service Guide and Product Disclosure Statement (PDS).

Read PDS

What Does Our Overseas Travel Insurance Cover?^^

Unlimited Overseas Medical Emergency Assistance

Get unlimited overseas medical assistance for emergency medical treatment, hospital stays, surgery and ambulance services. Emergency dental care for immediate pain relief can be covered up to $500.00.

We can also cover the cost of your return to Australia earlier than planned if this is medically necessary, subject to the policy terms. We can consider covering pre-existing medical conditions if a medical screening is completed online or over the phone when a policy is purchased and any applicable premium is paid.

Trip Cancellation or Changes

If you need to cancel or change your trip due to illness, injury, or other covered reasons, our international policies, silver plan covers up to $15,000, and gold cover has no limit. This includes flights, hotels, visas, and prepaid activities.

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, and you return to Australia prior to your policy end date.

Rental Car Excess

We can provide cover for the rental car excess charged to you if the car you hire is damaged or stolen or involved in an accident during your trip. Our silver and gold plans include cover for rental car excess with limits of $4000 and $8000.

Lost or Stolen Luggage

If your personal items are lost, stolen, or damaged during your trip, we will help pay to replace them. Our silver cover includes up to $6,000, and Gold up to $15,000. Limits and depreciation can apply for electronics, valuables, and single items. Items taken from unattended cars can be covered up to $500.

Loss of Cash or Travel Documents

We will pay up to the amount listed in your plan to replace important items that are lost, stolen, or damaged during your trip. This includes your passport, traveller’s cheques (if they can't be refunded), credit cards, and visas. Our silver cover pays up to $2,500 for travel documents and $250 for cash. Gold cover pays up to $5,000 for documents and $500 for cash. You must show proof and report the loss quickly.

Travel Delays

If your trip is delayed for more than 12 hours, the policy can provide cover for additional meal and accommodation expenses up to the limit in the table of benefits a Some limits do apply, as shown on your policy. Our silver cover pays up to $50 for each 12-hour delay (up to $1,000). Gold cover pays up to $150 per 12 hours (up to $3,000). You will need receipts and a delay notice from your travel provider.

The above benefits are as per the overseas travel insurance outlined in the PDS attached here.

 

^^Terms, conditions, exclusions, sub-limits, and/or limits apply. For full details and before making a decision, consider the relevant combined financial service guide and product disclosure statement. 

Customer Testimonials

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Here's what our travellers have to say about us...

Frequently Asked Questions

How do I make a claim?

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 aim to give you a response within 10 business days of us receiving your documentation.

Please contact us if you have any questions regarding the claims process.

Claims should be registered within 30 days of completing your travel, or as soon as reasonably practicable.

Why travel insurance is important for my trip?

Travel insurance can help manage unexpected costs that may arise during your journey, particularly overseas medical expenses, which can be significant in some countries. It can also assist with other unforeseen events such as trip cancellations, lost or delayed baggage, and travel disruptions due to natural disasters or emergencies, and can offer a layer of financial support when plans change unexpectedly.

The Australian Government or Medicare won’t be able to help you with overseas medical expenses. While Australia has several reciprocal healthcare agreements with other nations, these do not provide financial assistance for medical repatriation back to Australia to receive treatment.

Some countries might ask you for a copy of your insurance before granting travel visa applications. Visit Smart Traveller for country-specific requirements 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 cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Does travel insurance cover pregnancy?

The policy can provide cover for unlimited medical, hospital and surgical coverage for an insured person as a result of complications of pregnancy prior to the 31st week of pregnancy.

If you become pregnant after you purchase the policy, it can also provide cover for cancelling your trip prior to departure if you will me more than 30 weeks pregnant (if you are expecting one baby), or 20 weeks pregnant if you are expecting more than one baby.

Please keep in mind that no cover is available for children who are born overseas during your trip.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

What does Cancellation Cover Mean?

Cancellation cover, in terms of travel insurance, means that if something goes wrong and it is necessary and unavoidable to cancel your trip before you head off, you may be able to claim back money you otherwise have lost (up to the amount stated in your insurance policy).
Cancellation can provide cover for the cost of cancelled flights, hotels, visas, tours/excursions, paid-for activities or sports, prepaid meals that are non-refundable, up to the amounts specified in your policy, and less any applicable excess. 

If you booked your trip through a travel agency and they charged you fees, you might be able to claim back some of these costs too, depending on your policy. 

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Can I get cover for pre-existing medical conditions?

Pre-existing medical conditions aren’t automatically covered, but they can be considered via the medical assessment. You can complete this assessment online during the quotation process or speak with our team over the phone.

A pre-existing medical condition refers to any diagnosed medical condition for which you or any insured person has suffered from or has received any form of medical advice, treatment or medication in the past 5 years.

To determine if your condition can be covered, simply complete the Medical Assessment. If you prefer to do this over the phone, our team is happy to assist.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

What is covered by travel insurance?

When purchasing with Insure&Go, you may have the option to choose between three different levels of cover: Bare Essentials, Silver, and Gold.

  • Bare Essentials: Basic level of cover, including essential coverage such as medical expenses, personal liability, emergency expenses, and baggage cover. 
  • Silver: Includes the benefits of Bare Essentials plus trip cancellation, travel delay expenses, and more. 
  • Gold: Includes all Silver benefits and can include higher benefit limits, and additional benefits such as special events, hijacking, pet care and resumption of journey. 

All pre-existing medical conditions can be considered for all three levels of cover.
If you opt for an Annual Multi-Trip policy^ instead of a single trip policy^, you will be covered for multiple international trips over a 12-month period. Annual Multi-Trip policies include unlimited overseas medical expenses, unlimited cancellation cover on Gold policies, and baggage covered up to $8,000 on Gold policies.

To customise your policy, there are a number of additional upgrades available that offer coverage for winter sports, business equipment, and natural disasters.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

How does your travel insurance cover children?

Parents or grandparents can buy insurance on behalf of their dependent children or grandchildren, including fostered or adopted dependents. To be eligible, children must be under 18 years of age, financially dependent, and listed on the policy schedule.

Children aged 17 or under can be included at no extra cost** when travelling with a parent or grandparent on eligible policies. Those aged 18 and over are considered adults for policy purposes, regardless of whether they’re part of a couple or family policy^.

It is a condition of our policies that dependents under 16 years of age must be under full adult supervision throughout the trip.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

When should I buy Travel Insurance?

Coverage for cancelling your trip prior to departure starts once you purchase the policy. 

Cancellation cover (if included as part of your cover) can help you recover your non-refundable prepaid travel costs if you need to cancel for a coverable reason before your journey begins. 

If you need to cancel your trip for a covered reason, your prepaid travel costs, such as flights, accommodation, and tours, may be reimbursed. Covered reasons can include things like redundancy, natural disaster (If you have purchased he applicable add-on), pregnancy-related complications, serious illness or injury, significant damage to your home in Australia, or the death of a travelling companion or a relative living in Australia.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

What is the Excess on My Travel Insurance Policy?

Excess is the amount of money you agree to pay should the unfortunate happen, and you need to make a claim to your insurer. It applies per person, per event and per applicable section of your policy. 

For example, if your excess is $100 and you make a successful claim for a doctor’s bill, $100 will be deducted from the total amount paid.

Our standard excess amount is $100, but you can choose to remove or double this amount through the quotation process, depending on your preferences.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

What is a PDS, and why is it important to read it?

A Product Disclosure Statement (PDS) is a legal document that outlines the key features, benefits, limitations, sub-limits, and conditions of your travel insurance policy. It also explains your rights and responsibilities as a policyholder.

Reading the PDS can help you understand what is and isn’t covered and help you choose the policy that is right for you. Within the PDS, you will find details on excesses, premiums, coverage limits, exclusions, and optional upgrades.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

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†Terms, conditions, exclusions, sub-limits, and/or limits apply. For full details and before making a decision, consider the relevant Combined Financial Service Guide and Product Disclosure Statement.

¹ Australian Government – Department of Foreign Affairs and Trade

^ 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.

**Children (including fostered or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents.