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.

Backpackers Travel Insurance

Backpacking is a unique way to see the world, especially when flexibility and budget are high on the list of travel priorities, and our backpackers travel insurance policy is designed for just such spontaneous and adventurers.

We offer up to 18 months of continuous and comprehensive cover, with the option to cover high-risk activities – like cascading, paragliding, and skydiving. You can return home to Australia (at your own expense) for whatever reason once for up to 14 days, with no need to suspend your policy. Also, our backpackers policy covers up to $15,000 for one-off repayment of your outstanding student loan if you suffer a permanent injury while travelling.

Why Travel With Us as a Backpacker?

Up to 18 months of travel

Permanent disablement cover to $25,000 with Gold policies

Additional hazzardous activity options covered

1 home visit without nulling policy

Student loan coverage up to $15,000 with Gold policies

Award winning travel insurance company

Cover for up to $10,000 with Gold policies if you need to cut your trip short due to an emergency

Most Common Questions

1. Do you offer partial refunds if I come home early?

Unfortunately, we do not offer any partial refund on our policies should you return early.

3. What is the excess?

Our standard excess on our Backpacker policies is $150 per item, per claim, per event. This means each and every time your claim is approved, you need pay $150 before we issue payment to you.

5. I am overseas right now – can I change my policy to Backpackers?

You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.

2. Do you cover flight delays after departure?

Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours.

The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.

4. Can I pay my insurance premium monthly ?

Unfortunately, you will need to pay the entire premium prior to departure in order for your insurance to be valid.

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 backpackers trip of 5 days, Individual, age 30, to Worldwide excluding region. Cover for pre-existing medical may require an extra premium.