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

Policy Types

You have the option to select:


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


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


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



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.

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Travel Insurance Awards

Enter our $2,000 Canstar Celebration Competition!

After assessing 54 providers, rating 164 products, and considering 24 consumer profiles, a Canstar award for Outstanding Value in International and Senior Travel Insurance goes to…

US! Of course 😉

To share the excitement, we’re giving you the chance to WIN $2000 towards your next trip! 🎁

Purchase your travel insurance before the end of January and go in the running to win*.

Terms and Conditions

This promotion is provided by InsureandGo.  
If you participate in the ‘$2000 Canstar Celebration Competition”, these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions. 

Rules of the Promotion:  
1. This Promotion commences at 00:01am AEDT on 01/01/2024 and final entries close at 11:59pm AEDT on 31/01/2024 (“Promotional Period”). 
2. There will be one (1) draw conducted for Australia. Entries are only valid if a policy was purchased between the opening and closing times of the Promotional period based on Australian Eastern Daylight Savings Time (AEDT). 
3. The draw will take place at Level 1, 19 Harris Street Pyrmont, NSW, 2009 at 11:00am AEDT on 05/02/2024. In the event that an invalid or ineligible entrant is drawn, InsureandGo may draw additional reserve entries and record them in order. 
4. Entry is only open to residents of Australia aged 18 years or over. 
5. To enter, individuals must complete the following steps during the Promotional Period: a. Purchase any eligible Product in Australia during the Promotional Period. b. Eligible product means a InsureandGo travel insurance policy. 
6. Only one (1) entry permitted per Eligible Product purchased and a maximum of one (1) prize available.
7. Employees of InsureandGo (and their immediate families) of InsureandGo and entities associated with this Promotion are ineligible to enter. 
8. Valid entries a. Incomplete or indecipherable entries will be deemed invalid; b. If an entrant instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition and they will no longer be eligible to win unless they purchase another Eligible Product. 
9. The winner of the draw will be notified by email within two (2) business days of the draw to claim the prize, and their names will be published on any relevant social media platform. 
10. InsureandGo’s decision is final and is at InsureandGo’s discretion.  

The Prize:  
11. In the event any prize(s) remains unclaimed within three (3) months of the draw, a re-draw will take place will take place at Level 1, 19 Harris Street Pyrmont, NSW, 2009 at 11:00am on 05/05/2024 AEDT. In the event that an invalid or ineligible entrant is drawn, the Promoter may draw additional reserve entries and record them in order. The winner, if any, will be notified by email and telephone within two (2) business days of the unclaimed prize draw  
12. The total value of the cash prize is AUD $2000
13. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise. 
14. Cash prize awarded to the winner will be sent to the nominated bank account in the winner’s name via an electronic funds transfer. 
15. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct bank account details being supplied. 
16. In the event that an entrant wins the Prize, the entrant consents to InsureandGo using their name, photograph, video recording, in any media forum for an unlimited period without remuneration for the purpose of promoting this Promotion (including any outcome) and promoting any products issued and services provided, distributed and/or supplied by InsureandGo. 

InsureandGo’s Liability:  
17. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of InsureandGo, including but not limited to technical difficulties, unauthorised intervention or fraud, InsureandGo reserves the right, in its sole discretion, to the fullest extent permitted by law: a. to disqualify any entrant; or b. subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion or Prize, at its sole discretion. 
18. InsureandGo reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual who InsureandGo has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion. 
19. InsureandGo collects personal information in order to conduct the Promotion and may, for this purpose, disclose such data to third parties, including but not limited to agents, contractors, service providers, prize suppliers. Any disclosure of personal information will be in accordance with the InsureandGo Privacy Policy. which can be viewed at
20. In accordance with the InsureandGo Privacy Policy, from time to time, may use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send these communications to you. 
21. All entries become the property of InsureandGo. Unless otherwise indicated by InsureandGo, InsureandGo may disclose personal information to entities outside of Australia in accordance with its Privacy Policy. 
22. InsureandGo may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This InsureandGo Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram. 

23. To the extent permitted by law, InsureandGo shall not be liable for any loss, damage, or injury of any nature incurred by participants resulting from participation in the competition or use of the prize.


24. Any disputes arising out of or in connection with the competition shall be subject to the laws of New South Wales, Australia. Participants agree to submit to the exclusive jurisdiction of the courts in New South Wales to resolve any legal matters related to the competition.

25. InsureandGo’s internal dispute resolution process is available on request. 


Why Travel With Us?

Travel with an award-winning travel insurance company

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

Unlimited cancellation cover in our Gold Policy*

Natural Disaster cover available

All -pre-existing medical conditions considered

Rental vehicle excess waiver cover up to $8,000 with Gold policies*

*Features listed above are for international travel policy holders, Domestic travel PDS is available here. Please read the domestic PDS to decide if our cover is right for you.

Most Common Questions

1. 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 unforeseeable 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.

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, 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.

^Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents.