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Travel Insurance Made Easy

We are Australia’s online travel insurance specialists

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 added peace of mind, knowing that you’re travelling with a provider that offers an expansive, 24/7 global emergency assistance network. InsureandGo is fully owned by Europ Assistance, a global assistance company with a 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 over 20 awards and recommendations from comparison services and consumer advocacy groups in the last 10 years.

Our products have been recognised by Canstar in 2013, 2014, 2015, 2019, 2022, 2023 and 2024. Recently, we won the Canstar Award for “Outstanding Value - International Travel Insurance", for the 2nd consecutive year and "Outstanding Value - Seniors Travel Insurance”, for the 3rd consecutive year.

In 2024, we received the Finder 2024 Award for “Trusted Brand - Travel Insurance”, and the WeMoney 2024 Award for “Best for Seniors Travel Insurance”. You can also check out external review sites like Product Review and Feefo for unbiased customer feedback.

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
Covid-19 Coverage Available in Silver and Gold Policies
All pre-existing conditions considered
All pre-existing conditions considered
Cover for connecting flights^
Cover for connecting flights^
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)
Pregnancy cover for up to 30 weeks
Pregnancy cover for up to 30 weeks
Quick and easy online claims process
Quick and easy online claims process
what au.02

What is travel insurance?

Travel insurance is an insurance policy designed to protect you financially while you’re travelling and to protect the financial investments you’ve made by booking a holiday. While purchasing this type of coverage is not mandatory, the Australian Government strongly advises that all Australian travellers protect themselves, regardless of whether they are travelling.

Such a 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. When looking for travel insurance, it’s important to obtain insurance quotes from multiple providers. This allows you to compare different policies and choose the one that best meets your needs. 

Always read the PDS before making the purchase to ensure the product is right for you.

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 Product Disclosure Statement

Read PDS

What Does Travel Insurance Cover?**

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 travelling overseas.

Having coverage 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.

Loss or theft of luggage

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.

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, traveller's cheque, 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 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. Some limits are applied to this, and you will be reimbursed up to the amount shown on your policy.

Rental vehicle excess

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 that rental vehicle excess is available on Silver and Gold level cover up to the amount shown on your policy.

Cancelling or rescheduling travel plans

We hope that your trip goes ahead as planned, but sometimes things go wrong, and you may need to cancel.

An insurance policy that 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.

**Terms, conditions, exclusions, sub-limits, and/or limits apply. For full details and before making a decision, consider the relevant PDS.

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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 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.

Why travel insurance is important for my trip?

The important reason for purchasing policy is to gain coverage for overseas medical expenses, which can prove to be extremely expensive in many countries should you require it.

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 the transportation of very ill patients back to Australia to receive treatment.

Some countries might ask you for a copy of your insurance policies before granting a tourist visa. Check Smart Traveller to understand which countries will ask you to purchase a policy 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.

Read the Product Disclosure Statement for more information.

Does travel insurance cover pregnancy?

We automatically cover you for unlimited medical, hospital and surgical for the complications of pregnancy up to and including the 30th week for one baby only.

There is no cover for claims resulting from your pregnancy or childbirth after the 30th week of pregnancy.

However, medical expenses cover will be provided for a range of complications associated with pregnancy before the 31st week of pregnancy. Please read the PDS for more information.

If you become pregnant after you purchase a policy and will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of, or during, your trip, you may be covered for the cancellation of your trip before departure, as explained in the PDS. 

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

Read the Product Disclosure Statement for more information.

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 generally covers you for the cost of cancelled flights, hotels, visas, tours/excursions, paid-for activities or sports, prepaid meals, and less applicable excess. This is all assuming that the expenses cannot reasonably be recovered from any source.

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. 

Can I get cover for pre-existing medical conditions?

InsureandGo does not automatically include cover for any pre-existing medical conditions. But all conditions can be considered via a medical questionnaire that you can either complete online or through the call centre.

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

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.

What is covered by travel insurance?

When purchasing with InsureandGo, you will have the option to choose between three different levels of cover: Bare Essentials, Silver, and Gold.

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^(not currently available) 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 that 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 to and including your 30th week if you are expecting a single child or up until your 24th week if expecting multiple babies.

Read the Product Disclosure Statement for more information.

How does your travel insurance cover children?

Parents or grandparents can buy insurance on behalf of their dependent children or grandchildren.

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 those 17 or under can travel for free**, as long as they travel with parents. However, if the child is 18 or above, he/she will be charged as an adult, whether or not they’re on our couple/family policy^.

Parents or grandparents can buy insurance on behalf of dependents as long as dependents under 16 years of age will have full 100% adult supervision during the trip.

Read the Product Disclosure Statement for more information.

When should I buy travel insurance?

Purchasing 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, the longer you can take advantage of cancellation 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.

Your prepaid travel costs, such as flights, accommodation, and tours, are covered if you cancel your trip due to employment redundancy, a natural disaster, pregnancy-related situations, or the injury, illness, serious damage to your home in Australia, or the death of someone in your travelling party or a relative based in Australia.

 

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 per person, per event and per applicable section. For instance, let’s say you had a medical situation while travelling abroad that was covered under your travel insurance policy. If your policy’s excess was set at $100, it means when you go to file an eligible claim that is accepted, $100 will be deducted from any claim payment. Our standard excess amount is $100, but you can choose to remove or double this amount through the purchase process. Refer to the PDS for more information or click here

Within the PDS, you will find information on excesses, premiums, period of cover, coverage limits, exclusions, and additional coverage options. Fully understanding the PDS is essential.

What is PDS and why it’s important to read it?

A PDS or Product Disclosure Statement is a legal document that contains useful information about your policy. It is very important to read the PDS, as it contains the key benefits and features of your policy and explains your rights and obligations in relation to your policy. Reading the PDS will allow you to understand your policy thoroughly and better help you choose the policy that is right for you.

Within the PDS, you will find information on excesses, premiums, period of cover, coverage limits, exclusions, and additional coverage options. Fully understanding the PDS is essential.

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¹ Australian Government – Department of Foreign Affairs and Trade: http://smartraveller.gov.au/guide/all-travellers/insurance/pages/default.aspx#why-get-travel-insurance.
^ 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.