Trip Details

Trip Details


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



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.



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.



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.


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:


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.


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.

Group types

Select whether you would like to purchase an insurance policy for an "Individual(s)" (which includes a group of individuals travelling together) or a "Couple or Family" policy (which is for couples or relatives travelling together). All travellers on a "Couple or Family" policy must be departing and returning to Australia together.



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.



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



First traveller has to be aged over 18



Please indicate traveller's ages

First traveller has to be aged over 18


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.

Annual Multi-Trip Travel Insurance

If you travel internationally multiple times per year, you should consider buying an Annual Multi trip policy^ to save time and money. Our annual multi-trip cover is a solution that covers you for multiple international trips, making it perfect for the frequent business traveller or globetrotter who has caught the travel bug.

So how does annual travel insurance differ from our single trip policy^? Our single trip policies will cover you for a single trip you choose, which falls within the dates you select for your cover at time of purchase. Purchasing an annual multi-trip insurance policy covers you for unlimited international trips over a 12 month period. This means you could take a trip every month and be assured you’re covered under a single policy. The duration of each individual trip you are allowed under your annual multi-trip policy will be limited to the option you select. We offer the flexibility to choose from 30, 45, or 60 day options.

However, please note that our annual multi trip policy^ does not cover domestic travel, only international travel. So even if you will be travelling domestically for an entire year, please purchase our domestic policy^, not an annual multi trip policy^.

Why Travel With Us for Annual Trip?

Unlimited number of international trips

Baggage covered up to $8,000 on Gold Policies

1.6M travellers covered per year

Unlimited overseas medical expenses

Annual Multi-trip policies from just $253**

Award winning travel insurance company

Unlimited cancellation cover

All pre-existing medical conditions considered online

When to choose the Annual Multi-Trip travel insurance option

Even if you find yourself travelling just 2 or 3 times per year, this can be enough to consider purchasing an annual policy.

Providing you with cover for multiple short term trips over the space of a year, an annual policy may cost you only slightly more than a single trip policy depending upon your selected destination. Our affordable annual multi-trip policies start from just $253** and include coverage benefits.

Benefits of purchasing an Annual Multi-Trip policy

  • Unlimited number of international trips
  • Unlimited cancellation cover
  • Unlimited overseas medical expenses
  • No need to notify us of each trip if within policy’s duration & destination bracket.
  • 90 sports/activities included in your policy, such as hiking, diving, snorkelling, golfing, cycling, kayaking and bungee jumping
  • Baggage covered up to $15,000
  • All pre-existing medical conditions considered online

Annual Multi-Trip policy for Seniors:

There is no need to select or purchase a separate seniors travel insurance policy. Simply select the annual multi-trip option in the quote box above along with your age, travel dates, and destination. We cover up to 100 years of age and consider all pre-existing conditions.

Long Duration Trips:

If you find you will be travelling to a destination for more than 60 days, we offer flexible One-Trip Travel Insurance which cover you up to 12 months in a destination as well as Backpacker Travel Insurance options which offer up to 18 months of continuous and comprehensive travel insurance cover with the option of visiting your home in Australia for up to 14 days without having to void your policy.

Most Common Questions

Why should I buy an AMT policy?

The type of insurance you buy is entirely up to you, however, if you want to be covered for unlimited international trips throughout the year the AMT policy might be the right fit for you.

Do I have to notify you every time I travel?

You are free to travel whenever you like, just make sure you stick to your policy’s duration and destination bracket.

How do duration-based travel limits work?

When you select your AMT policy, the three cover options to choose from are based on the maximum duration of the trips you intend to take throughout the year (30, 45 or 60 days). The insurance payouts for each policy are the same.

Are cruises covered on an AMT Policy?

Our AMT policies automatically cover you for on-board hospital, medical and surgical expenses while on your cruise. 

Is domestic travel covered on an AMT Policy?

Unfortunately, no it is not. Our Annual Multi Trip policies only cover international travel.

Are medical expenses included?

Our policies provide for unlimited necessary emergency medical costs incurred whilst outside of Australia. These can include ambulance, surgery, medications, and repatriations. For a full list of benefits and exclusions, please read our product disclosure statement (ctrl+f to search for key terms).

Is winter sports automatically included with this policy?

You will need to add the ‘Winter Sports’ options to be covered for any expenses you may incur as a result of participating in winter sports activities. You may purchase a separate additional policy (before leaving on your trip) for a single trip that incldes winter sports, if you would like to add it retrospectively.

Annual Multi-trip policies from just $253** – Price derived from an individual, age 30, to worldwide excluding North and South American and Antarctica. Cover for pre-existing medical may require an extra premium.