×

Destination Information

Excluded destinations:

InsureandGo will NOT cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Belarus, Crimea, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, Chad, East Timor, Haiti, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Uganda, Ukraine, Venezuela, Yemen and Zimbabwe.

Included destinations:

Pacific:

The South Pacific: Papua New Guinea, American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand)

Worldwide exc USA:

If your destination is "Worldwide exc USA" you are covered Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.

Worldwide inc USA:

If your destination is "Worldwide inc USA" you are covered Worldwide including USA, Canada, Mexico, Central & South America and Antarctica.

Asia:

South Asia: Sri Lanka, Bangladesh, India, Nepal, Maldivas

South East Asia: Birmania, Brunei, Cambodia, Philippines, Indonesia (Including Bali and Lombok), Laos, Malaysia, Singapore, Thailand, Vietnam

East Asia: China, South Korea, Hong Kong, Japan, Taiwan

Domestic: Australia, Norfolk Island

Cruise Specific Destinations

Domestic Cruise:

Domestic cruises within Australian Territorial waters, or international waters, providing you do not stop at any international port. If you want to travel around Australia before your cruise departs, you will need to buy two separate policies, a Domestic single trip policy for the duration of your trip before boarding and a cruise trip policy for your cruise. (If you select the Domestic cruise policy your baggage will only by covered for a maximum of 72 hours before boarding)

(The Domestic cruise policy also provides cover for stopovers in Australian ports up to 48 hours)

Domestic, NZ and Pacific Cruise:

Cruises that include any Pacific destination and docks at any Australian port after departure (Including final port).

Asia and Domestic

Cruises that include any Asia destination and docks at any Australian port after departure (Including final port).

Please note:

If you have a multiple destination itinerary, you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica.
If you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica, then you should select the Worldwide Including Travel Plan.
If you select the Domestic Cruise, Pacific and Domestic or the Asia and Domestic travel destination we will cover Medical and Evacuation expenses. With Medical expenses we mean expenses incurred on board relating to medical illness or injury assistance. We will also cover the repatriation or evacuation expenses if the medical practitioner has stated in writing that you are unfit to continue your trip due to medical illness or injury. This benefit does not apply to any medical treatment provided on Australian inland or whilst the ship is tied up in an Australian port. All other benefits included in your policy provide cover whilst your ship is docked in an Australian port for a maximum of 48 hours.
If you select a cruise option, there is no cover for Section L (Rental Vehicle Excess Waiver) whilst your ship is in an Australian port.

Covid-19 Benefits Available for One-Trip and Cruise – Domestic and International Policies (Silver and Gold). Find out more here.

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. 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.

Benefits Of Our Travel Insurance

Get a quote from just $27*

Cover up to 100 years of age

All pre-existing conditions considered

Pregnancy cover for up to 30 weeks

Cover for connecting flights^

Quick and easy online claims process

What is travel insurance?

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.

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’s a few things you should consider:

Check smartraveller.gov.au to make sure your destination is safe to visit.
Confirm that all people named on the travel insurance 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.
Make sure you buy your travel insurance policy before you start your trip. If you buy it after you’ve left it will be invalid.
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.
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 policies 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.
Read the Product Disclosure Statement. Familiarising yourself with it now can save you headaches later on. If there’s something in particular you’re not sure about, hitting Ctrl+F on a desktop with the PDS open, and try searching for relevant keywords (e.g. camel back riding) will show you the section to look at.

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 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.

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, 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 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 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 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.

Customer Testimonials

christine-s-travel-insurance-testimonial_tcm1005-577002

“Easy process to make a claim”

“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.”

Christine

janelle-l-travel-insurance-testimonial_tcm1005-577001

“Would definitely recommend this company”

“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.”

Janelle

chris-travel-insurance-testimonial_tcm1005-577000

“I needed to claim, they were first class”

“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.”

Chris

Frequently Asked Questions

Why travel insurance is important for my trip?

The important reason for purchasing travel insurance 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 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.

What is covered by travel insurance?

When purchasing travel insurance 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^ 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.

Does travel insurance cover pregnancy?

We automatically cover you for unlimited medical, hospital and surgical for the complications of pregnancy up to the 32 weeks for one baby only. 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.

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, 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.

Can I get cover for pre-existing medical conditions?

InsureandGo do 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 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.

When should I buy travel insurance?

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.

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.

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 travel insurance policy. It is very important to fully 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 thoroughly understand your policy and better help you to choose the policy that is right for you. 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.

Travel Inspiration

Must see places and things to do in Ghana

Once known as the Gold Coast Region, the West African nation of Ghana is considered to be one of the continent’s safest and friendliest…

How Long Does it Take to Drive Route 66 ?

Here, we take a closer look at some tips for driving Route 66 to make your trip even better.

Get 10% off Theme Parks & Iconic Attractions + Experiences*

Promocode: InsureandGo10. Limited time only!

Use our exclusive promo code on Disneyland, Universal Studios, Legoland, tours & activities, and more!

*In providing you with this offer, you acknowledge that InsureandGo Travel Insurance may receive a referral fee in return for you using such offer(s). However, Klook Services are not a benefit within The InsureandGo Travel Insurance and InsureandGo does not endorse or recommend any of these third party products or services, and expressly disclaims any liability associated with such third party products or services.

Product Disclosure Statement

Make sure you’re covered for what you think you are by reading our Product Disclosure Statement

FAQS

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

Follow us to keep up to date with competitions, giveaways and all things travel

InsureandGo is rated

4.5 out of 5 stars by 12051 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 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.