Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim. You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.

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

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.

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 holiday. Sub-limits per 12 hours apply.

We cover up to 79 or 100 years of age, subject to policy type and cover level selected. 

We consider all pre-existing medical conditions for possible cover, subject to agreement, in all of our travel insurance products, except for our Domestic Travel Insurance. To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone.

If, subject to our medical questionnaire, we are unable to cover your pre-existing medical conditions, we will only exclude any claims directly/indirectly relating to those conditions. Please keep in mind that you are still insured medically for a new condition that may unexpectedly arise overseas as well as accidental injuries and illnesses.

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

No. Simply select the trip type that best describes your journey.

With our Silver and Gold policies, we do offer cover for cancelling your trip prior to departure due to the unforeseen 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.

Under the Insure&Go 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, as long as you eventually go on the holiday.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

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.

No. Simply select the trip type that best describes your journey.

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.

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.