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.

10% off for Out & about with kids customers

Getting out and about with your kids and going on a family holiday can be lots of fun.

Yet you also want your family to be as safe as can be when travelling. Ensuring you and your kids receive the best care possible if something goes wrong on your trip is essential.

At InsureandGo, our family travel insurance packages mean you can travel with top cover for your family.

Best of all, with family travel insurance starting from just $48*, our cover won’t break the bank.

InsureandGo is offering all ‘Out and About With Kids’ members 10% off our travel insurance packages. We cover domestic, international, cruising and winter sports holidays.

Simply enter your details and the promocode “Kids10” below to receive the discount.

Why Travel With Us?

Unlimited dependent children up to the age of 18 insured for free

Unlimited overseas medical expenses

1.6 Million travellers covered per year

Pregnancy cover for up to 32 weeks

Baggage covered up to $8,000

Largest Online Travel Insurance Company in the World

Cover up to 100 years young

24 hour emergency assistance

Travel Insurance for your family from just $54*

Most Common Questions

1. Is there a Family travel insurance policy I need to purchase?

Simply select ‘Family’ in the quote box and you will be able to add all members. Then select the trip type that best describes your journey.

3. My child turns 18 while we’re overseas, does cover stop for them if they don’t have their own policy?

The age of the dependent child is determined at the point of purchase, not travel. This means, that even if the child turns 18 the day after purchasing a policy, he/she is still covered for free as a dependnt with the same level of coverage as the primary policy holder.

5. Is a couple two family members travelling together?

We define ‘couple’ the same way that it is defined in Australian law: either two people who are married to each other, or two people in a defacto relationship who have been living together for six months or longer.

2. I have an elderly parent, am I covered if I have to cancel or cut my trip short due to something happening to my parents?

With our Silver and Gold policies, we do offer cover for cancelling your trip prior to departure due to the unforeseen accident, illness or injury of one of your parents. Your parents must live in Australia and be in Australia at the time, and this cover does not include any cover for pre-existing medical conditions.

4. If we are not leaving together can we still be covered under the same policy?

In order for everyone to be covered under the same policy, all parties need to be leaving and returning to Australia together, and spending at least 50% of the trip together. If this is not the case, you will need to have separate policies for these dates.

6. I’m taking out the top cover, am I covered for anything that can go wrong on my trip?

Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement (or search [ctrl+F] for key words to check limits and exclusions) to see if our product is right for you.

* Price derived from a single trip of 5 days, couple or family, 2 adults (age 40) and 2 kids, to New Zealand, Pacific& Bali region. Cover for pre-existing medical may require an extra premium.