Travel Insurance

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. We're proud to announce that this year our Gold product has been recommended by CHOICE.

When you choose InsureandGo, you can have peace-of-mind knowing that you're travelling with the largest assistance company worldwide, with over 31,500 points of assistance across all continents. We are an award winning travel insurance company, covering 1.6 million people annually.

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, our products have been awarded by CANSTAR in 2013, 2014 and 2015, our gold policies have been recommended by CHOICE in 2016 and this year in 2018, and we recently received "Trusted Service Award" of 2018 by Feefo. You can also check our feefo and product reviews.

  • Get a quote from just $27*
  • All pre-existing conditions considered
  • Cover for connecting flights^
  • 1.6M travellers covered per year
  • Pregnancy cover for up to 32 weeks
  • Quick and easy online claims process

Things 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’s a few things you should consider:

  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. Talk to us about your pre-existing medical conditions, we can tell you if you’re covered and under what circumstances you can make a claim relating to your condition. It’s really important that you’re open and honest about this, because if you don’t declare your conditions you may invalidate your policy.
  5. Work out if you’re willing to pay an excess. An excess is the amount you will have to pay towards the claim yourself. For example, having a $200 excess reduces your premium, but if you make a claim you would need to pay the first $200 yourself. 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 policies limit. Find more info about excess here.
  6. Read the Product Disclosure Statement. We know its super boring and long, but it could save you a world of headaches later on. If there’s something in particular you’re not sure about hitting ctrl F on the page and searching for the words (eg camel back riding) will show you the section to look at.

Is travel insurance worth it?

We get it, organising travel insurance is not the most exciting part of holiday planning, but it can be the most important. As much as we all hope to have our dream holiday, things can go wrong, which in some circumstances can significantly put you out-of-pocket. Below we have identified the 6 most common travel miss-haps and how travel insurance can be there for you.

  • Overseas emergency medical assistance

  • 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 traveling. And this is particularly important as medical treatment in overseas countries can be incredibly expensive.

    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 preexisting medical conditions.

  • Loss or theft of luggage

  • It’s extremely inconvenient, not to mention costly if your luggage is lost, stolen, or damaged while you’re traveling. 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.

  • Loss of cash or travel documents

  • 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. This cover may extend to lost or stolen cash, but make sure you check the level of cover. 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 delay expenses

  • 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. You should check the specifics of your cover, as some limits are applied to this, and you will be reimbursed up to the amount shown on your policy.

  • Rental vehicle excess

  • Many travelers 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. By choosing a policy with cover for rental car excess, you’re protecting yourself from this risk.

    We will reimburse the rental car insurance excess charged to you through the rental car company, 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 $4,000.

  • Cancellation fees

  • We ultimately 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 money you lose.

    This includes the cost of flights, accommodation, visas and paid for excursions or activities in the event that you are not issued with a refund. You should check the terms of your policy, as certain circumstances will not entitle you to an insurance claim, however some of the circumstances we will pay your benefit for include if the cancellation was necessary due to an injury or illness, if you cannot travel due to a natural disaster which was unknown at the time you took out your policy (make sure to include the natural disaster option in your policy), or if you become pregnant and will be more than 32 weeks pregnant after the departure date after we sold you the policy. 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.

    If you need to cut your trip short while you’re overseas due to a necessary and unavoidable medical condition, an unexpected death in the family, a natural disaster which was not known at the time of purchasing your insurance (once again, be sure to include this option in your policy), or serious damage to your home in Australia, we will reimburse you for the out of pocket expenses you lost from having to cancel the remainder of your trip.

InsureandGo is rated 4.5 out of 5 stars by 10038  customers.


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, Pacific & Bali region. Cover for pre-existing medical may require an extra premium.
** Price derived from a single trip of 21 days, Individual, age 30, to New Zealand, Pacific & Bali region. Cover for pre-existing medical 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.