Trip Details

Trip Details

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Please, note we are currently not offering Annual Multi-trip or Backpacker policies. Check the website regularly for further updates

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One Trip

A single return journey, from 3 to 365 days, that starts in Australia.

Domestic One-Trip Travel Insurance does not cover any medical and evacuation expenses incurred in Australia or whilst travelling on a cruise domestically or internationally. Therefore, if you are going on a cruise and would like to be covered for onboard medical expenses and evacuation then you must choose either our Cruise Travel Insurance or our Annual Multi-Trip Travel Insurance.

Please note we are currently not offering Annual Multi-Trip Policies

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Cruise

A single return journey, from 3-365 days that starts in Australia and where the trip also includes travel on ships or other sea vessels.

Cruise option covers you for the land, air AND CRUISE part of your journey so you don’t need a single trip and a cruise policy if your whole trip or part of your trip involves any travel by cruise ship.

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AMT

A 365 day policy that provides cover for multiple trips starting in Australia.

There are 3 options for maximum duration per trip, 30,45 and 60.

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Backpackers

One trip departing from and returning to Australia, for up to a maximum of 540 days.

If you are taking a gap year, an adventure holiday or a round the world trip you may find our Backpacker product is more tailored for your needs.

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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.
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Group types

Policy Types

You have the option to select:

Individual

This option provides cover for one adult who is 18 years of age or older and their accompanying dependent children.

Couple

This option provides cover for two adults who are in a Partner relationship.

Family

This option provides cover for two adults who are in a Partner relationship and their accompanying dependent children.

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Age

We are referring to the traveller’s age when you are buying this policy (Not when travelling). Please note all policy options are available between 50-100. Maximum trip durations vary depending on your age.

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Info

Sorry we can't give you quote online if one of the travellers is aged over 100

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Info

First traveller has to be aged over 18

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Info

Please indicate traveller's ages

First traveller has to be aged over 18

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Trip type information

If you're taking a single trip this year, which does not include any travel by cruise, the one-trip cover is for you. But if you are travelling more than once you may be better off with an Annual multi-trip policy.

Please note we are currently not offering Annual Multi-Trip Policies

For Annual multi-trip policies the maximum trip duration covered is restricted by the policy option selected and will be either 30, 45 or 60 days, after which you must return to Australia before commencing a new trip.

If your trip includes any travel by cruise ship, then select the cruise option to be covered for the land, air AND CRUISE part of your journey. However, if you only want to be covered for the land and air part, then choose One Trip. By cruise we refer to any travel on sea, ocean or river by any commercially operated ship, boat or other sea vessel for longer than two hours.

If you are taking a gap year, an adventure holiday or a round the world trip you may find our Backpacker product is more tailored for your needs.

InsureandGo Australia
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Covid 19 Travel Insurance
Travel Insurance Awards

15% off Travel Insurance for Seniors Card Members

InsureandGo understand Seniors love to travel, so we’ve created a travel insurance product that suits the needs of the senior traveller.

We recently received the Finder 2023 award for “Travel Insurance – Domestic”, WeMoney 2023 award for “Best for Seniors” and “Best for Value – Cruise Travel Insurance”. Our products have been CANSTAR awarded in 2013, 2014, 2015, 2019. and 2022. In 2022, we won the Canstar award for “Outstanding Value – Seniors Travel Insurance” and “Trusted Service Award” of 2022 by Feefo. 

Simply quote the promo code: “SENSA15” to save 15% on travel insurance.

If you’ve got more questions, scroll for our FAQs, or give us a ring on 1300 401 177.

Why Travel With Us?

Cover up to 100 years young

– Single Trip (Cruise and Bare Essential Policies Cover up to 79 years of age)

14 day cooling off period

Baggage covered up to $2,000 or up to $15,000.

Subject to policy type and level of cover. Sublimits may also apply.

Travel with an award-winning travel insurance company

No medical assessments of certificates are required upfront

Unlimited overseas medical expenses

Most Common Questions

1. I am currently 64; do I still count as a Senior?

We offer discounts for all people who are members of Seniors. If you are 64 and hold a senior membership card, you may be entitled to a discount with us.

3. Do you cover travel delays?

We will reimburse the cost of your necessary additional meals and accommodation expenses up to the amount in your policy, if any individual leg of your trip is delayed for more than 12 hours, as long as you eventually go on the holiday. Sub-limits per 12 hours apply.

2. Does your insurance cover damage to a rental car?

Our Silver and Gold policies cover your rental car excess for up to $4,000 and $8,000, respectively ($7,500 for Domestic Gold level), but not for motorbikes. For a rental car to be covered, you need to make sure that it is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess.

4. 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 to check limits and exclusions) to see if our product is right for you.