Annual Multi-Trip Travel Insurance

Unlimited International Trips

Insure&Go’s Annual Multi-Trip Travel Insurance is designed to provide cover for frequent international travellers who want the added convenience of one policy that covers multiple trips over 12 months.

Whether you're travelling for leisure, business, or a mix of both, this policy lets you choose a maximum trip length of 30, 45, or 60 days per journey, depending on your age and the region you select. It may include cover for overseas medical expenses, trip cancellations, lost or delayed baggage, and more, based on the level of cover you choose.

Annual Multi-Trip Insurance FAQs

What is the maximum duration allowed for each trip under the annual policy?

When you purchase an Annual Multi-Trip Travel Insurance policy with Insure&Go, you can choose a maximum trip length of 30, 45, or 60 days per journey, depending on your age and selected plan. This does not affect your benefit limits.

Does our Annual Multi-Trip policy cover both Domestic and International travel?

No. Annual Multi-Trip Travel Insurance is for international travel only. For domestic trips, a separate Domestic Travel Insurance policy is required.

Are family members included in the Annual Multi-Trip policy?

Yes. If you choose Family under the policy type when purchasing your Annual Multi-Trip Travel Insurance, the policy will cover two adults in a partner relationship and their accompanying dependent children.

Dependent children include financially dependent children or grandchildren (including fostered or adopted) who are under 18 years of age and are named on the policy schedule. Each insured adult can travel independently, and all travellers must be Australian residents.

Please note: children born during the journey are not covered under this policy.

Everyone covered under the policy can travel together or separately throughout the year, as long as each trip falls within the selected trip duration and destination limits.

Can I extend the duration of a single trip if needed?

Under an Insure&Go Annual Multi-Trip Travel Insurance policy, each individual trip is covered up to the maximum duration selected at the time of purchase, either 30, 45, or 60 days. This limit applies to each trip taken during the policy period.

If something unforeseen and out of your control happens during your trip, like a medical emergency or travel disruption, your cover can be extended until you’re able to return home by the quickest and most direct route.

You must contact our emergency assistance team as soon as possible to notify them of the situation and get approval:

Emergency Assistance (24/7): +61 2 9333 3999
General Enquiries (Mon-Fri, 9am–5pm AEST): +61 2 7201 9532
Email: info@insureandgo.com.au

How do I make a claim if something goes wrong during my trip?

You can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports, medical certificates). We aim to give you a response within 10 business days of us receiving your documentation.

Please contact us if you have any questions regarding the claims process.

Claims should be registered within 30 days of completing your travel, or as soon as reasonably practicable.

How far in advance can you purchase an Annual Multi-Trip Travel Insurance policy?

You can purchase your policy up to 12 months before your first trip begins.

Please note that you must purchase your Annual Multi-Trip policy whilst you are still in Australia, and before your first trip has begun.

Why Choose Us for Your Annual Multi-Trip Travel Insurance?

Unlimited Number of International Trips

Unlimited Overseas Medical Expenses

Unlimited Cancellation Cover

Baggage covered up to $8,000 on Gold Policies

Award-winning Travel Insurance Company

All Pre-existing Medical Conditions considered online

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Annual Multi-Trip Travel Insurance

Read more about Annual Multi-Trip Travel Insurance

¹Trip duration options of 30, 45, or 60 days are available, depending on your age and selected region. Extensions are permitted once per trip and may require an additional premium.

Any financial product advice provided by us is general only and is provided without taking into consideration your personal circumstances, objects or financial situation.

Choose Your Annual Multi-Trip Travel Insurance Policy

Insure&Go offers three levels of cover for Annual Multi-Trip Travel Insurance:

1

Bare Essentials

Includes core benefits such as unlimited overseas medical expenses and personal liability cover. Does not include cancellation, travel delay, or rental car excess cover.

2

Silver

For Travellers seeking a balance between cost and additional coverage.

3

Gold

Includes the highest level of cover available, with additional benefits and higher limits across areas such as cancellation, travel delay, baggage, and personal liability.

Each plan provides cover for multiple international trips over a 12-month period, with trip duration options of 30, 45, or 60 days per journey, depending on your age and selected destination region.

Benefits & Features Across All Plans

Cover for numerous international trips during the 12-month policy period, giving you the freedom to travel frequently within your policy terms
All pre-existing medical conditions can be considered for a medical assessment. Cover is subject to acceptance and may require an additional premium.
Coverage for up to 90 sports and activities, such as hiking, diving, snorkelling, golfing, cycling, kayaking, and bungee jumping.

Benefits	Bare Essentials	Silver	Gold
Unlimited overseas medical expenses	Y	Y	Y
Trip cancellation cover	N	Y (up to $15,000)	Y (unlimited)
Travel delay expenses	N	Y (up to $1,000)	Y (up to $2,000)
Baggage cover	Y (up to $2,000)	Y (up to $6,000)	Y (up to $8,000)
Delayed baggage cover	N	Y (up to $500)	Y (up to $750)
Rental car excess waiver	N	Y (up to $4,000)	Y (up to $4,000)
Lost/stolen passport & travel document replacement	N	Y (up to $2,500)	Y (up to $5,000)
Personal liability cover	Y (up to $1.5 million)	Y (up to $2.5 million)	Y (up to $5 million)
Age eligibility	18-79 years	Up to 100 years	Up to 100 years

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Why Choose Us for Your Annual Holiday Insurance

Competitive Pricing, Comprehensive Coverage: Benefit from competitively priced premiums without compromising on essential cover like unlimited overseas medical expenses, which is offered on all levels of cover.
One Policy, Multiple Trips: Enjoy the freedom to travel multiple times within 12 months, with each trip lasting up to your selected maximum of 30, 45, or 60 days, provided each journey begins and ends in Australia.
24/7 Global Emergency Assistance: Help is just a call away, anytime and anywhere in the world, with access to global emergency support 24/7.
Fast, Simple Online Quote and Purchase: Get a tailored quote in minutes and purchase your policy online with ease, prior to your departure from Australia. Cover is not available for trips already underway or for policies purchased while overseas.
Flexible Cover Options: Choose from three levels of cover, Bare Essentials, Silver, or Gold, to suit your travel needs, budget and insurance preferences.
Pre-Existing Medical Conditions Considered: All pre-existing medical conditions are considered during the quote process. If your condition is accepted by us, cover will be provided once the applicable premium is paid. You can complete this process online; no lengthy forms or phone calls required.
Coverage for 90+ Sports and Activities: Enjoy automatic cover for a wide range of activities like hiking, kayaking, snorkelling, and more, provided safety guidelines are followed and the activity is not excluded.
Optional Add-ons: Tailor your policy further with optional extras such as Winter Sports Cover, Business Cover, or Natural Disaster Cover.

So, What Are You Covered For?

Insure&Go’s Annual Multi-Trip Travel Insurance is designed for travellers who take multiple trips per year. It may be suitable for frequent flyers, holidaymakers, and business travellers who want cover for a range of incidents that can occur before or during overseas travel.

One-Time Purchase Equals Year-Round Coverage
Choice of Trip Durations Depending on Your Age and the Region You Are Travelling to
May Provide Extensive Cover For Multiple Trips Within The Year
Convenience & Simplicity
May Be Suitable For Last-Minute and Spontaneous Travel

Benefits of Choosing Our Annual Multi-Trip Travel Insurance

Cost Savings: If you travel multiple times a year, Annual Multi-Trip Travel Insurance may be more economical than purchasing separate single-trip policies.
One Policy, 12 Months of Cover: Convenience & Simplicity of one upfront purchase, you're covered for unlimited international trips over 12 months. No need to buy a new policy each time you travel.
Choice of Trip Durations: We offer several different trip lengths so that you can select a trip length that suits your travel style, whether it be 30, 45, or 60 days per trip.
Comprehensive Coverage for Multiple Trips: Includes cover for unlimited overseas medical expenses, trip cancellations and delays, lost or stolen baggage, emergency evacuation and repatriation, depending on the plan you have selected. You can also tailor your policy with optional upgrades like Winter Sports Cover, Business Cover, or Natural Disaster Cover.
Ideal for Last-Minute and Spontaneous Travel: With your Annual Multi-Trip Travel Insurance already in place, you can book and go, provided your trip fits within your selected duration and destination limits. This can offer added convenience for those who often make last-minute or spontaneous plans.
Consistent Cover Across the Year: Your chosen level of cover applies to every trip during the policy period, so there’s no need to reassess or reselect cover each time

Which Destination to Select

When purchasing an Annual Multi-Trip Travel Insurance policy, you’ll need to select a destination region that includes all the countries where you plan to spend more than 48 hours during the 12-month policy period.

You don’t need separate policies for each country. Instead, choose one of the following destination brackets:

Region	Countries Included
Asia	Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand, Vietnam
South Pacific	American Samoa, Cook Islands, Fiji Islands, French Polynesia (incl. Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Papua New Guinea
Domestic Cruise	Cruises within Australian territorial waters
Worldwide excluding	All countries excluding USA, Canada, Caribbean, Mexico, Central & South America, and Antarctica
Worldwide including	All countries including USA, Canada, Caribbean, Mexico, Central & South America, and Antarctica (cruise only)

The current list of sanctioned and excluded countries:

Afghanistan, Antarctica (unless on a cruise), Belarus, Central African Republic, Chad, Congo (Democratic Republic of the), Crimea, Zaporizhzhia, Kherson, Donetsk and Luhansk People's Region, Cuba, East Timor, Guinea-Bissau, Haiti, Iran (Islamic Republic of), Iraq, Korea (Democratic People's Republic of), Lebanon, Liberia, Libya, Mali, Myanmar, Pakistan Russian Federation, Somalia, South Sudan, Sudan, Syrian Arab Republic, Uganda, Ukraine, Venezuela (Bolivarian Republic of), and Yemen. and Zimbabwe.

This list may change at any time based on government advisories or sanctions. Before you travel, always check:

The latest advice on the Smartraveller website
Our Travel Alerts & Warnings page

You do not need to notify us of each trip. Your policy covers multiple trips as long as each trip starts and ends in Australia, is within your selected region, and does not exceed the maximum trip duration (30, 45, or 60 days) shown on your policy schedule.

Discover Our Other Types of Cover

One Trip Travel Insurance

One Trip Travel Insurance provides cover for a single international trip for individuals, couples, or families.

Overseas medical expenses, trip cancellation, baggage, personal liability, and more.
Three levels of cover, Bare Essentials, Silver, or Gold, with optional upgrades such as Winter Sports, Business, or Golf cover.
This policy does not cover cruises. For cruises, consider Cruise Travel Insurance or Annual Multi-Trip Travel Insurance..
- Note: AMT Travel Insurance provides cover for medical and evacuation expenses while cruising within Australian territorial waters, and cancellation of cruise trips. However, it does not include cruise-specific benefits (e.g. missed shore excursions or cabin confinement), which are only available under the Cruise Travel Insurance policy.

Domestic Travel Insurance

Domestic Travel Insurance provides cover for trips within Australia for individuals, couples, or families.

Trip cancellation, baggage, rental car excess, and other benefits.
Three levels of cover, Bare Essentials, Silver, or Gold, with optional upgrades such as Natural Disaster, Winter Sports, Business, or Golf cover.
This policy does not cover travel on commercial cruise ships. For cruises, select Cruise Travel Insurance.

Cruise Travel Insurance

Cruise Travel Insurance provides cover for domestic and international cruises.

Onboard medical treatment, evacuation, cabin confinement, missed ports, cruise delays, and standard travel benefits such as baggage and cancellation.
Three levels of cover, Bare Essentials, Silver, or Gold, with optional upgrades such as Natural Disaster, Winter Sports, Business, or Golf cover.
Medical treatment is covered when the ship is at sea (in Australian or international waters), not when it is tied up at an Australian port. Other benefits apply while docked for up to 48 hours.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

What Is Included in Our Annual Multi-Trip Travel Insurance Plans?

Our Annual Multi-Trip Travel Insurance policies offer cover for a range of events that may occur before or during your overseas trips. There are three levels of cover to choose from: Bare Essentials, Silver, and Gold. Each level offers different benefits and limits, so it’s important to review these carefully to select the option that suits your needs.

1

Overseas Medical Treatment and Dental Emergencies

All three levels include unlimited overseas medical expenses, including hospital and surgical treatment.

Emergency dental treatment for immediate pain relief is covered up to $500 per person. Silver and Gold policies also include a hospital cash allowance (up to $2,500 for Silver and $5,000 for Gold).

2

Trip Cancellation or Interruption

Both our Silver and Gold policies offer reimbursement for non-refundable expenses if a trip is cancelled or cut short due to covered reasons. In the case of Silver policies, the coverage amount is up to $15,000 per person, while Gold policies provide cover up to an unlimited amount.

3

Baggage and Personal Belongings

Cover for lost, stolen, or damaged personal belongings is included in all levels: Bare Essentials up to $2,000, Silver up to $6,000, and Gold up to $8,000. Coverage limits apply per person, with sub-limits apply for individual items, electronics, and valuables. Silver and Gold also include delayed baggage cover.

4

Travel Delays

Silver and Gold policies include cover for additional meal and accommodation expenses if any individual leg of your trip is delayed for more than 12 hours. Silver provides up to $1,000, and Gold up to $2,000.

5

Personal Liability

All levels include cover for legal liability if you accidentally cause injury to someone or damage their property: Bare Essentials up to $1.5 million, Silver up to $2.5 million, and Gold up to $5 million.

6

Rental Car Excess Waiver

Silver and Gold policies include cover for the rental car insurance excess if your hire car is stolen or damaged. Cover is up to $4,000 per policy. Conditions apply, including vehicle type and rental duration.

7

Rental Car Excess Waiver

Silver and Gold policies include limited COVID-19 benefits, such as:

Medical expenses overseas: Unlimited cover if you are diagnosed with COVID-19 while travelling.

Trip cancellation or disruption: Up to $2,500 (Silver) or $5,000 (Gold) if you, a travelling companion, or a close relative (with a life-threatening infection) is diagnosed after purchase.

Annual Multi-Trip Travel Insurance Exclusions and Limitations

While Insure&Go’s Annual Multi-Trip Travel Insurance offers broad benefits, there are important exclusions and conditions you should be aware of.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Trip Duration Limit: Coverage only applies to trips up to 30, 45, or 60 days per journey, depending on the option you selected. Longer trips are not covered.
Domestic Travel Not Included: Annual Multi-Trip policies cover international travel only. Travel within Australia is excluded, so if you seek cover for travel within Australia, we offer Domestic Travel Insurance policies.
Excluded Destinations: No cover for travel to countries under Australian Government “Do Not Travel” advisories or sanctioned regions (e.g., Afghanistan, North Korea, Russia).
Pre-Existing Medical Conditions: These are not automatically covered. You must declare them during the quote process. Some conditions may require an additional premium or may not be covered.
High-Risk Activities: Cover is only available for activities listed in the Table of Covered Sports & Activities in the PDS and only if you follow all safety guidelines and use appropriate safety equipment. Activities not listed are excluded unless they meet the criteria outlined in the PDS.
Winter sports (such as skiing, snowboarding, heli-skiing, snowmobiling) are not covered unless you purchase the Winter Sports Cover upgrade, and it is shown on your policy schedule. Without this upgrade, any claim directly or indirectly related to winter sports will not be covered.
Travel Against Medical Advice: We do not provide cover if you travel against medical advice or for the purpose of seeking treatment.
Illegal or Reckless Behaviour: Claims arising from criminal acts, drug/alcohol misuse, or reckless actions are not covered under our policies.
Unattended Belongings: Loss, theft, or damage to property left unattended in a public place or with someone you do not know is not covered, unless this was due to an unavoidable emergency (e.g., a medical emergency requiring you to leave immediately).

Who Should Consider Annual Multi-Trip Insurance?

Insure&Go’s Annual Multi-Trip Travel Insurance is designed for people who take multiple overseas trips within a 12-month period and want the convenience of one policy for the year.

It may be suitable for:

Frequent Flyers: Whether it’s for business, visiting family, or simply exploring the world, if you're travelling two or more times a year, an Annual Multi-Trip policy may save you money and time compared to purchasing separate single-trip policies.
Business Travellers: Professionals who regularly travel overseas to attend conferences, meetings, or international events can benefit from continuous coverage across multiple destinations.
Spontaneous Travellers: Those who enjoy short overseas breaks or last-minute trips throughout the year.
Families Visiting Relatives Abroad: Parents or grandparents who make multiple trips to visit family members overseas.
Digital Nomads: This policy can cover remote workers who take multiple overseas trips each year, provided they return to Australia between trips and each trip is 30, 45, or 60 days or less, based on the option selected.
It does not cover continuous stays overseas beyond the chosen trip limit. You must also purchase the policy while in Australia and before your first trip begins.
Seasonal Travellers: Retirees or older travellers who enjoy spending part of the year overseas but may also plan multiple return trips throughout the year.

How to Purchase Our Annual Multi-Trip Policy

Getting extensive, comprehensive travel insurance for a full year of travel has never been easier. Policies must be purchased while you are still in Australia and before your first trip begins.

Securing your Annual Multi-Trip Travel Insurance can be done in just a few simple steps:

1

Get a Fast, Free Online Quote

Visit Insure&Go’s website, and select Annual Multi-Trip as your trip type. Enter your travel destinations, start and end dates, and traveller details (including ages) to receive a quick quote.

It’s that simple and takes just minutes to get a quote, with no lengthy or confusing forms to fill out or waiting required.

2

Compare Plans and Coverage Levels

Review the three levels of cover, Bare Essentials, Silver, and Gold, and choose the option and trip duration (30, 45, or 60 days per trip) that best suits your travel plans.

3

Excess & Optional Upgrades

You can customise your Annual Multi-Trip Travel Insurance with:

Excess Options: Choose an excess of $0, $100, or $200. The excess applies per person, per claim, per section, unless you select the Excess Eliminator upgrade (which removes all excesses except for increased medical excesses listed in the Table of covered sports & activities on pages).

Optional Upgrades:

Winter Sports Cover: Required for activities like skiing, snowboarding, heli-skiing, and snowmobiling. - Business Cover – Adds protection for business equipment and related expenses.

Natural Disaster Cover: Extends cover for cancellations, delays, and additional expenses caused by natural disasters.

4

Purchase Your Travel Insurance Safely and With Ease

Finalise your policy with safe, encrypted payment through the Insure&Go website. Once confirmed, your documents are sent directly to your inbox immediately and are ready to travel when you are.

Ready to Get Covered for a Full Year of Travel?

Your full year of travel insurance coverage is just a few clicks away.

Get a quote now!

Magnitude 7.5 Earthquake and Tsunami Warning affecting Philippines Minanao region

10 October 2025:

An earthquake of magnitude 7.4-7.6 struck Philippines' Mindanao region on 10 October 2025. The Philippine Institute of Volcanology and Seismology issued a Tsunami warning and strongly advised coastal towns in central and southern Philippines to evacuate immediately as hazardous waves are expected within 300 km of epicenter.

If you’re travelling, or are about to travel

If you have been directly affected by this event and need medical assistance, please call our 24-hour emergency assistance team immediately on +61 2 9333 3999.

We further urge you to pay close attention to the local media and emergency services, including the DFAT Smart Traveller website.

Policy Coverage:

Policies purchased before 12:00PM AEST on 10 October 2025:

Customers may have provision to claim for an incident arising from this event, provided they purchased the natural disaster cover add-on.

We encourage those affected to submit a claim, which will be assessed in line with the terms and conditions outlined in their Combined Financial Services Guide and Product Disclosure Statement (PDS). Each claim is reviewed individually, considering the relevant limits, conditions, and exclusions.

Policies purchased after 12:00PM AEST on 10 October 2025:

Please be aware our policies contain exclusions for known events. Customers are not covered for claims arising from this event, even if they purchased the natural disaster cover add-on. However, we will assess each situation on a case-by-case basis.

We recommend impacted customers speak with their travel agent as soon as possible to help reduce any potential out-of-pocket costs.

If your travel plans are affected

If you need to change your travel arrangements, contact your airline, cruise company or travel agent for assistance in the first instance. Please retain all supporting documentation evidencing expenses incurred. Please remember as a term of your policy you must do everything you can to minimise losses.  

You can submit a claim at any time after your policy has commenced. All claims will be assessed in line with the terms and conditions outlined in the combined Product Disclosure Statement (PDS) and Financial Services Guide. Each claim is reviewed individually, considering the relevant limits, conditions, and exclusions.

If you need to submit a claim, please complete a claim on our claims portal, and if you need help doing this, contact us.

If you have any other queries, please get in touch.

Daylight Saving Time in Australia: What You Need to Know

Explore when daylight saving starts and ends in NSW for 2024 and 2025, including important key clock changes and tips on how to adjust to the time shift.

Nature & Eco Travel

01 Oct 2025

Two hikers on Mount Amos summit in Freycinet National Park Tasmania overlooking Wineglass Bay and Tasman Sea under clear blue sky

The Top 8 Romantic Tasmanian Getaways for Unforgettable Moments

Discover the most romantic getaways in Tasmania! From secluded retreats to luxurious escapes, plan your dream trip with InsureandGo for peace of mind.

Nature & Eco Travel

24 Sep 2025

Insure&Go Gift Card Competition - Win 1 of 6 $500 Gift Cards

This promotion is provided Europ Assistance Australia Pty Ltd ABN: 71 140 219 594 (“Europ Assistance Australia”), trading as Insure&Go.

If you participate in the ‘Insure&Go Gift Card Competition - Win 1 of 6 $500 Gift Cards', these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions.

Rules of the Promotion

This Promotion commences at 00:01am AEST on 01/10/2025 and final entries close at 11:59pm AEST on 22/10/2025 (“Promotional Period”).
There will be 6 draws conducted for Australia. Entries are only valid if there is a current Insure&Go travel insurance policy was purchased between the opening and closing times of the Promotional Period based on Australian Eastern Standard Time (AEST) ("Eligible Product").
The draw will take place at Level 9, 35 Clarence Street Sydney, NSW, 2000 at 10am, 15 days following the closure of the Promotional Period – Tuesday the 6th of November 2025. In the event that an invalid or ineligible entrant is drawn, Europ Assistance Australia may draw additional reserve entries and record them in order.
Entry is only open to residents of Australia aged 18 years or over.
To enter, individuals must complete the following steps during the Promotional Period: a. Purchase any Eligible Product in Australia during the Promotional Period.
Only one (1) entry is permitted per Eligible Product purchased, and a maximum of one (1) prize is available.
Employees of Europ Assistance Australia (and their immediate families) and entities associated with this Promotion are ineligible to enter.
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.
The winner(s) of the draw will be notified via phone call and email within two (2) business days of the draw to claim the prize, and their names may be published on Insure&Go's website or any relevant social media platform.
Europ Assistance Australia‘s decision is final and is at Europ Assistance Australia’s discretion.

The Prize

In the event any prize(s) remains unclaimed within three (3) business days of the draw, a re-draw will take place at the following business day at 10am at Level 9, 35 Clarence Street Sydney, NSW, 2000. In the event that an invalid or ineligible entrant is drawn, Insure&Go may draw additional reserve entries and record them in order. The winner, if any, will be notified by email and phone call within two (2) business days of the unclaimed prize draw.
The total value of each prize is AUD $500.
Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.
The prize will be in the form of a digital Visa gift card and will be generated online and emailed to the nominated email address of the winners.
The prize will be emailed to the winner’s designated email address within 30 days of the draw, subject to the correct email address details being supplied.
In the event that an entrant wins the Prize, the entrant consents to Insure&Go using their name, photograph and/or video recording, in any media forum for as long as needed without remuneration. This helps us showcase the success of our Promotion and highlight the products and services we offer.

Insure&Go’s Liability

Insure&Go does not accept any liability for any harm, loss, or damage arising from participation in this competition.
The governing law for this competition is the laws of New South Wales, Australia.
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 Insure&Go, including but not limited to technical difficulties, unauthorised intervention or fraud, Insure&Go 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.
Insure&Go 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 Insure&Go 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.
Insure&Go collects personal information in order to conduct the Promotion and may, for this purpose, disclose such data to relevant third parties involved in the Promotion, including but not limited to agents, contractors, service providers and prize suppliers. Any disclosure of personal information will be in accordance with the Insure&Go Privacy Policy, which can be viewed here. By purchasing the travel insurance policy, you consent for your information to be disclosed for such purposes and to be provided direct marketing communication as described in 22 below.
In accordance with the Insure&Go Privacy Policy, FROM time to time, we 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
All entries are handled by Insure&Go. If needed to run this Promotion, Insure&Go may share your information with partners outside of Australia, following our Privacy Policy. Your privacy matters to us, and we'll only do this when necessary.
Insure&Go may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This Insure&Go 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.

Read more about Insure&Go Gift Card Competition - Win 1 of 6 $500 Gift Cards

Super Typhoon Ragasa

22 September 2025:
Super Typhoon Ragasa is currently sweeping through the northern Philippines and Taiwan, and is now making its way toward Hong Kong. Authorities across the region are urging caution as the storm intensifies.
In Hong Kong, passenger flights are expected to be suspended for safety reasons, with disruptions likely to begin Tuesday evening and extend into Thursday morning. Travellers are advised to check with their airlines for the latest updates and rebooking options.
In the Philippines and Taiwan, emergency services are responding to heavy rainfall, strong winds, and potential flooding. Evacuations have been ordered in vulnerable areas, and local officials are working to ensure public safety.

If you’re travelling, or are about to travel

If you have been directly affected by this event and need medical assistance, please call our 24-hour emergency assistance team immediately on +61 2 9333 3999.

We further urge you to pay close attention to the local media and emergency services, including the DFAT Smart Traveller website.

Policy Coverage:

Policies Purchased before 12:00AM AEDT on 22 September 2025:

Customers may have provision to claim for an incident arising from this event, provided they purchased the natural disaster cover add-on.

We encourage those affected to submit a claim, which will be assessed in line with the terms and conditions outlined in their Combined Financial Services Guide and Product Disclosure Statement (PDS). Each claim is reviewed individually, considering the relevant limits, conditions, and exclusions.

Policies Purchased After 12:00AM AEDT on 22 September 2025:

Please be aware our policies contain exclusions for known events. Customers are not covered for claims arising from this event, even if they purchased the natural disaster cover add-on. However, we will assess each situation on a case-by-case basis.

We recommend impacted customers speak with their travel agent as soon as possible to help reduce any potential out-of-pocket costs.

If your travel plans are affected

If you need to change your travel arrangements, contact your airline, cruise company or travel agent for assistance in the first instance. Please retain all supporting documentation evidencing expenses incurred. Please remember as a term of your policy you must do everything you can to minimise losses.  

You can submit a claim at any time after your policy has commenced. All claims will be assessed in line with the terms and conditions outlined in the combined Product Disclosure Statement (PDS) and Financial Services Guide. Each claim is reviewed individually, considering the relevant limits, conditions, and exclusions.

If you need to submit a claim, please complete a claim on our claims portal, and if you need help doing this, contact us.

If you have any other queries, please get in touch.

Civil Unrest Nepal

11 September 2025:

The security environment throughout Nepal remains volatile due to recent widespread civil unrest and violence. Conditions may worsen unexpectedly. Authorities continue to impose curfews in the Kathmandu Valley and other major cities, and military checkpoints are active across Kathmandu. The protests started at 9am local time on Monday, 8 September 2025, and have escalated.

If you’re travelling, or are about to travel

If you have been directly affected by this event and need medical assistance, please call our 24-hour emergency assistance team immediately on +61 2 9333 3999.

We further urge you to pay close attention to the local media and emergency services, including the DFAT Smart Traveller website.

Policy Coverage:

Policies Purchased before 12:00AM AEDT on 11 September 2025:

Please be aware that our policies contain exclusions for acts of war and civil unrest or the use of military force.  
This means that if your flight is delayed, cancelled or rerouted due to the conflict, there may not be cover available under the policy. 

Policies Purchased After 12:00AM AEDT on 11 September 2025:

Please be aware that our policies contain exclusions for known events, acts of war and civil unrest or the use of military force. Customers are not covered for claims arising from this event however, we will assess each situation on a case-by-case basis.

If your travel plans are affected

If you need to change your travel arrangements, contact your airline, cruise company or travel agent for assistance in the first instance. Please retain all supporting documentation evidencing expenses incurred. Please remember as a term of your policy you must do everything you can to minimise losses.  

You can submit a claim at any time after your policy has commenced. All claims will be assessed in line with the terms and conditions outlined in the combined Product Disclosure Statement (PDS) and Financial Services Guide. Each claim is reviewed individually, considering the relevant limits, conditions, and exclusions.

If you need to submit a claim, please complete a claim on our claims portal, and if you need help doing this, contact us.

If you have any other queries, please get in touch.

Bali Floods

11 September 2025:
Heavy rainfall in Bali, Indonesia that began on Tuesday, September 9, 2025, has resulted in flooding in several areas across the country, including Kuta, Klungkung and Denpasar. Travel services may be impacted by the heavy rainfall and flooding.  

If you’re travelling, or are about to travel

If you have been directly affected by this event and need medical assistance, please call our 24-hour emergency assistance team immediately on +61 2 9333 3999.

We further urge you to pay close attention to the local media and emergency services, including the DFAT Smart Traveller website.

Policy Coverage:

Policies Purchased before 12:00AM AEDT on 11 September 2025:

Customers may have provision to claim for an incident arising from this event, provided they purchased the natural disaster cover add-on.

Policies Purchased After 12:00AM AEDT on 11 September 2025:

Please be aware our policies contain exclusions for known events. Customers are not covered for claims arising from this event, even if they purchased the natural disaster cover add-on. However, we will assess each situation on a case-by-case basis.

If your travel plans are affected

If you need to change your travel arrangements, contact your airline, cruise company or travel agent for assistance in the first instance. Please retain all supporting documentation evidencing expenses incurred. Please remember as a term of your policy you must do everything you can to minimise losses.  

You can submit a claim at any time after your policy has commenced. All claims will be assessed in line with the terms and conditions outlined in the combined Product Disclosure Statement (PDS) and Financial Services Guide. Each claim is reviewed individually, considering the relevant limits, conditions, and exclusions.

If you need to submit a claim, please complete a claim on our claims portal, and if you need help doing this, contact us.

If you have any other queries, please get in touch.

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09 Sep 2025

YourLifeChoices

15% off Travel Insurance for Your Life Choices Members!

Use promo code YLC15

Insure&Go understands Seniors love to travel, so we’ve created a travel insurance product that suits the needs of the senior traveller.

Trusted by Australians, Recognised by Experts

Insure&Go Travel Insurance has been consistently recognised for delivering outstanding value and service over a decade, and continues to be recognised for outstanding value and service:

Canstar Awards (2024):

Outstanding Value – International Travel Insurance (2nd year running)
Outstanding Value – Seniors Travel Insurance (3rd year running)

WeMoney Award (2025):

Best Value in International Travel Insurance

Mozo Experts Choice Award (2025):

Exceptional Value - Comprehensive Travel Insurance

ProductReview.com.au Award (2025):

Travel Insurance Winner - based on real customer feedback

Use promo code YLC15 at checkout to save 15% on travel insurance!

If you’ve got more questions, scroll to our FAQs, or give us a ring at 1300 401 177.

Most Common Questions

I am currently 64; do I still count as a Senior?

We offer discounts to all people who are members of YourLifeChoices. If you are 64 and hold a senior membership card, you may be entitled to a discount with us.

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.

How do I make a claim?

You can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports). We aim to give you a response within 10 business days of us receiving your documentation.

Please contact us if you have any questions regarding the claims process.

Claims should be registered within 30 days of completing your travel, or as soon as reasonably practicable.

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 ($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.

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! For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Why is travel insurance important for my trip?

Travel insurance can help manage unexpected costs that may arise during your journey, particularly overseas medical expenses, which can be significant in some countries. It can also assist with other unforeseen events such as trip cancellations, lost or delayed baggage, and travel disruptions due to natural disasters or emergencies, and can offer a layer of financial support when plans change unexpectedly.

The Australian Government or Medicare won’t be able to help you with overseas medical expenses. While Australia has several reciprocal healthcare agreements with other nations, these do not provide financial assistance for medical repatriation back to Australia to receive treatment.

Some countries might ask you for a copy of your insurance before granting travel visa applications. Visit Smart Traveller for country-specific requirements before applying for a visa.

Despite not providing medical coverage within Australia, domestic travel insurance is important for providing you with coverage for situations such as trip cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Why Travel With Us?