Trip Details

Trip Details

One-trip ?

Please, note we are currently not offering Cruise, 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 Cruise or 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

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.

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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

Travel insurance for America

A holiday to America offers 50 states to explore of varying culture, cuisine, history, and landscapes. Experience the untamed wilderness of Alaska, the tropical paradise of the Hawaiian Islands, or the glitz and glamour of cities like New York and Los Angeles.

There is no shortage of destinations within America, all of which offer incredible holidays. There are however several things to be aware of when travelling in America such as natural disasters, driving on the opposite side of the road, and expensive medical treatments which will not be covered by Australian Medicare. You may wish to try your luck in Las Vegas but don’t leave your travel chance by not protecting yourself with insurance.

Why Travel With Us to USA?

Unlimited overseas medical expenses

24 hour emergency assistance

Baggage cover up to $15,000 on Gold Policies

1.6 Million travelleres covered per year

Cover up to 100 years of age

No upfront medical certificates/assessments

What can travel insurance for America cover me for?

  • Unlimited overseas medical expenses
  • Trip cancellation for instances such as unforeseeable death, injury, or illness
  • Emergency medical evacuation
  • Trip interruption
  • Lost bags or personal belongings
  • Pregnancy cover for up to 30 weeks
  • Unlimited dependent children up to the age of 17 insured for free
  • Coverage for 90 different sports and leisure activities including bungee jumping and snorkeling
  • Option to upgrade your policy to include winter sports coverage

Please read our full insurance policy terms, provisos, exclusions, and conditions for full details regarding this coverage.

What i may not be covered for?

  • Government warnings: check to make sure that any current Australian Government foreign travel warnings won’t affect your travel insurance coverage.
  • Consumption of alcohol: claims that occur while you or a covered party is under the influence of alcohol or drugs will most likely be denied.
  • Motorcycles & scooters: claims will be denied if you do not have a valid motorcycle license or if you forego wearing a crash helmet. Note that there is no cover for personal accident, personal liability, or damage to a rental motorbike for this activity.
  • Unattended belongings: you will not be covered for any personal luggage or belongings if you leave them unattended in a public place such as a beach.
  • High risk activities: InsureandGo policies automatically cover 90 different sports and activities, but make sure to check that your chosen activity is covered.
  • Reporting incidents: be sure to report any instance such as theft or loss of belongings within 24 hours to the appropriate authority or risk your claim being denied.
  • Natural disasters: to make a claim due to a natural disaster, you must have purchased InsureandGo’s policy upgrade option and the option must be shown on your policy. Note that there is no coverage for costs incurred relating to a natural disaster if an event is already known prior to purchasing a policy.
  • Pre-existing medical conditions: InsureandGo considers all pre-existing medical conditions so long as they are reported at time of purchase. Failure to disclose any pre-existing medical conditions may void any claim relating to that condition.
  • Note that you need to be in Australia at the time of purchasing your international comprehensive travel insurance. If you are overseas, we are unable to offer you a new policy. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.

American cruise coverage

If your trip includes any travel by cruise ship, then select cruise travel insurance to be covered for the land, air, AND CRUISE part of your journey. 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.

You will need to select the appropriate geographical travel plan designated for your travel destination, which incorporates all the countries you are travelling to. For cruises taking part in America, you would select the geographical travel plan labelled ‘Worldwide including North and South America and Antarctica’.

Annual Multi-Trip travel insurance for America

With fifty states in the U.S. to explore, one visit to America may not be enough. If you plan on more than one trip within the year, or are planning on another international getaway, you may wish to look into an InsureandGo Annual Multi-Trip Insurance policy for your America holiday insurance. Just 2 or 3 times of travel a year may be enough to consider this type of policy.

An annual policy may cost you only slightly more than a single trip policy depending upon your selected destination.

Natural Disaster coverage for America

America is prone to several types of natural disasters with the frequency and intensity of extreme weather events projected to grow. Natural disasters which can occur in America include powerful hurricanes, tornadoes, floods, forest fires, landslides, and earthquakes. Thankfully InsureandGo offers an option to take out Travel Insurance for Natural Disasters to protect you in the event an unforeseen disaster should occur.

To make a claim due to a natural disaster, you must have purchased this policy upgrade option and the option must be shown on your policy. Please note that there is no coverage for costs incurred as a result of a natural disaster event that is known prior to purchasing or upgrading the policy. If there is a known natural disaster event, it will be mentioned prior to payment on our website and over the phone by our agents.

Note that medical cover due to any natural disaster is automatically included in all international policies without purchasing the Natural Disasters add-on.

Choose our Silver or Gold level of cover and you will be protected for cancelling your trip before departure or cutting your trip short. All levels of cover will include coverage for additional emergency expenses. These are expenses you incur after departure that are over and above what you had originally budgeted to pay, if your trip is disrupted, or you are required to return to your home in Australia because of a natural disaster. These expenses can include things such as accommodation, meals, or travelling costs.

Winter Sports coverage for America

America is a popular destination for winter sports, with numerous notable ski resorts such as Lake Tahoe, Aspen, Breckenridge, and Vail.

Winter in America starts December 21, and goes until March 20. Many ski resorts open as early as late October, and start measuring snowfall from November 1.The best destinations to visit in America for winter sports include Glacier National Park in Montana, the Rocky Mountains in Colorado, and resorts throughout Utah. Classic winter sports such as skiing, snowboarding, snow tubing, and snow mobiling are popular in these regions, though those who head further north to destinations like Alaska might also partake in activities like dog sledding and ice fishing.

InsureandGo offers the option of adding Winter sports insurance with competitive pricing. Selecting this policy upgrade option will provide coverage for fourteen types of winter sports activities, including things like ski gear and ski passes.

Benefits of winter sports coverage:

  • Medical evacuation from ski slopes
  • Up to $600 cover for pre-booked lift passes and ski packs
  • Up to $1250 cover for damage to your winter sports equipment
  • 14 winter sports activities covered
  • Unlimited overseas medical expenses

Most Common Questions

1. Do I need travel insurance to visit the USA?

No, but depending on your visa type you should always check before planning your travel to USA that the country has no specific travel insurance requirements. While we cannot advise on whether or not you should purchase travel insurance to travel to the USA; taking out travel insurance is highly recommended by the Australian government and smartraveller.gov.au.

3. How much does travel insurance to the USA cost?

It depends upon various factors such as your age, how many people are travelling, for how long, if any travelers have pre-existing conditions etc. so we can’t really estimate the cost of the travel insurance to USA without knowing those things. You can fill in your trip details online and at the next step; you will be shown the cost of travel insurance with three different levels cover. Please note this policy price will increase if you opt for various other add-ons such as golf, business, natural disaster etc.

5. Can you travel to USA while pregnant?

Yes, you can travel to USA while pregnant. InsureandGo only provide cover for medical costs associated to a complication of pregnancy. Costs related to childbirth are covered up until your 30th week for a single child pregnancy, and up until your 20th week for a multiple child pregnancy.

If you are suffering from a complication of pregnancy and therefore a doctor advises you that you are not fit to travel then claims for cancellation will also be considered. For further information, and a full list of what is considered a complication of pregnancy please go through the Policy Wording Documents.”

2. Do you cover cancellations due to relatives health condition?

In our Silver and Gold policies, we cover you for trip cancellation due to the unforeseen death, illness or injury of your close family relative(s). Please note that this cover is limited to close family relatives only, who live in Australia and are in Australia at the time of the incident. Furthermore, this benefit excludes any claims relating directly or indirectly to a relatives pre-existing medical condition.

4. Am I covered if I need to change my flight?

Depends on the reasons, your level of cover and options selected, we cover cancellation/rescheduling of flights for unforeseen/unexpected medical reasons, death of a relative, natural disaster, serious damage to your home in Australia, passport if lost/stolen and so on. Please read the PDS for more info (For cancellation, Section A- Page 19 & if the said expense is incurred after going on the trip, it will fall under Additional Emergency Expenses- Section C2, Page 24 )

6. Which destination option to select for “Hawaii”?

As Hawaii is a state of the United States you will need to select your destination as “Worldwide including North, Central and South America”. This will cover you for travel to, from and through-out Hawaii.

Quick guide for America holidays

Visas for America:

Australians travelling to the United States are eligible for the Visa Waiver Program, which allows travellers to visit for up to 90 days without obtaining a visa. You must apply for travel authorization before you leave via ESTA (Electronic System for Travel Authoritzation). We recommend organizing this travel authorization well in advance of your trip. If your ESTA application is denied you will be required to apply for a B-1 visitor visa or a B-2 tourist visa.

Best time to visit America:

America is a year round destination, though the best time to visit will depend on your interests, and which seasons you like. Spring runs from March 1 – May 31, summer runs from June 1 to August 31, autumn runs from September 1 to November 30, and winter runs from December 1 to February 28 / 29. Summer is peak season in the northern states of America, though winter is peak season in southern States like Florida, which offers tropical temperatures while snow storms rage in the north. Travel during spring and autumn offers the perfect shoulder season where you’ll encounter less crowds and cheaper prices. You should avoid travel during national and school holidays.

Health concerns:

There are no real health concerns with travel to the United States, and you are not required to obtain any vaccinations before travelling. However medical treatment in America is notoriously high, and if you find yourself in an accident it’s unlikely you’ll be able to afford medical expenses on your own. For this reason alone, travel insurance to America is worthwhile.

Crime & safety:

America is one of the world’s safest countries, though is often criticised for having one of the world’s highest crime rates (largely due to gun violence). It is very rare that travellers will find themselves caught up in violent crime, most of which is concentrated around the inner urban areas of major cities, unfrequented by tourists. Travellers are discouraged from staying around the Mexican border, as there are high reports of crime and car theft in this area. Police presence at all major tourist landmarks and attractions has seen an increase since 9/11, and travellers should expect to have their bags opened and go through security. You may encounter minor dangers like petty crime, opportunistic theft, or dangerous traffic, so it is essential to stay alert to minimize the risk of these crimes occurring.

*Price derived from a single trip of 21 days, Individual, age 30, to Worldwide* Including North and South America and Antarctica region. Cover for pre-existing medical may require an extra premium.
**Price derived from a single trip of 5 days, Individual, age 30, to Worldwide including region. Cover for pre-existing medical may require an extra premium.