Submit your Claim by Post

Important Claims Information

Making a claim with Insure&Go is easy. Whether you need to claim back overseas medical expenses, personal accident compensation or the cost of replacing lost, damaged or stolen baggage, Insure&Go aims to make claiming simple and hassle-free.

If you would like to start, download and complete a claims form from below. Don’t forget to choose the claims form that is most relevant to the claim you wish to make:

Please submit your signed and completed claim form to assistance@insureandgo.com.au. Please also keep the original claim form, receipts and any damaged item until your claim has been assessed and approved. In the case we require any of those in the course of your claim assessment we will let you know.

You must register any claim within 30 days after completion of your travel
You must provide us with original invoices, receipts and other vouchers relating to your loss or expenses. It is the responsibility of the insured person to provide proof of ownership of any lost, stolen or damaged items and we are under no obligation to make payment without this proof of ownership
You must produce your policy schedule
You must provide us with all the information we require

Please don’t hesitate to contact us if you have any further queries:

1300 401 177 (Within Australia)
+612 9333 3901 (Outside of Australia)
Email us at: assistance@insureandgo.com.au

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Seniors Card NSW

15% off Travel Insurance for Seniors Card Members

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

Recently, we won the Canstar Award for “Outstanding Value - International Travel Insurance", for the 2nd consecutive year and "Outstanding Value - Seniors Travel Insurance”, for the 3rd consecutive year.

In 2024, we received the Finder 2024 Award for “Trusted Brand - Travel Insurance”, and the WeMoney 2024 Award for “Best for Seniors Travel Insurance”. Find out more here.

Simply quote the promo code SENIORS15 to save 15% on travel insurance.

If you’ve got more questions, scroll for 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 for all people who are NSW Seniors Card or Senior Savers Card holders. If you are 64 and hold a NSW Seniors Card or Senior Savers 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.

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! 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.

Why Travel With Us?

Cover up to 100 years of age - Single Trip (Cruise and Bare Essential Policies Cover up to 79 years of age)

Cancellation cover up to $50,000 or unlimited, subject to policy type.

Baggage covered up to $2,000 or up to $15,000, subject to policy type and level of cover. Sublimits may also apply.

Rental vehicle excess waiver cover up to $7,500 or $8,000, with Gold level, subject to policy type.

Travel with an award-winning travel insurance company

14 day cooling-off period

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Insure&Go is rated 4.0 from 6,625 reviews

NSW Seniors Card

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Entertainment Book Bonus

20% discount on your Travel Insurance. Limited time only!

Planning a trip soon or later this year? Don’t miss your chance to save! Insure&Go is offering Entertainment Book members 20% off Domestic, International, Cruise and Annual Multi-Trip Travel Insurance policies.

Whether you're booking a last-minute getaway or planning a dream trip months ahead, you can customise your travel insurance to suit your needs and save while you're at it.
To claim your discount, simply enter the promo code ENT20 in the quotation box above.

Offer ends on 7th August 2025.

Most Common Questions

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.

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.

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.

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.

Why Travel With Us?

Travel with an award-winning travel insurance company

Travel delay cover up to $3,000 with Gold policies*

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

Baggage covered up to $15,000 on Gold Policies * Sublimits apply.

Unlimited cancellation cover in our Gold Policy*

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

Follow us to keep up to date with competitions, giveaways and all things travel

Insure&Go is rated 4.1 out of 6,042 reviews

Entertainment Book

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* 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.

^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. No cover is available for children who are born overseas during your trip.

Amaysim

20% discount on your Travel Insurance

If you are looking for great value travel insurance, InsureandGo can provide you with a competitive policy.

Customise your cover to fit your travel needs and take advantage of 20% off on our Domestic, International and Cruise policies for Amaysim customers.

Simply enter the promotional code “AMAYSIM20” into the promotional code box above to apply your discount.

Offer valid till 20/02/2024

Most Common Questions

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.

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.

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.

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.

Why Travel With Us?

Travel with an award-winning travel insurance company

Unlimited cancellation cover in our Gold Policy*

All -pre-existing medical conditions considered

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

Natural Disaster cover available

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

Follow us to keep up to date with competitions, giveaways and all things travel

Insure&Go is rated 4.0 from 6,625 reviews

Amaysim

Read more about Amaysim

^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. No cover is available for children who are born overseas during your trip.

Executive Traveller

15% discount on your Travel Insurance

If you are looking for great value travel insurance, Insure&Go can provide you with a competitive policy.

Customise your cover to fit your travel needs and take advantage of 15% off on our Domestic, International and Cruise policies for Executive Traveller subscribers.

Simply enter the promotional code 'Exec15' into the promotional code box above to apply your discount.

Most Common Questions

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.

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.

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.

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.

Why Travel With Us?

Travel with an award-winning travel insurance company

Unlimited cancellation cover in our Gold Policy*

All -pre-existing medical conditions considered

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

Natural Disaster cover available

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

Follow us to keep up to date with competitions, giveaways and all things travel

Insure&Go is rated 4.0 from 6,625 reviews

Executive Traveller

Read more about Executive Traveller

^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. No cover is available for children who are born overseas during your trip.

Flight Hacks

10% discount on your Travel Insurance

If you are looking for great value travel insurance, InsureandGo can provide you with a competitive policy.

Customise your cover to fit your travel needs and take advantage of 10% off on our Domestic, International and Cruise policies for Flight Hacks subscribers.

Simply enter the promotional code “Hacks10” into the promotional code box above to apply your discount.

Most Common Questions

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.

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.

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.

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.

Why Travel With Us?

Travel with an award-winning travel insurance company

Unlimited cancellation cover in our Gold Policy*

All -pre-existing medical conditions considered

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

Natural Disaster cover available

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

Follow us to keep up to date with competitions, giveaways and all things travel

Insure&Go is rated 4.0 from 6,625 reviews

Flight Hacks

Read more about Flight Hacks

^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. No cover is available for children who are born overseas during your trip.

Duty to take reasonable care not to make a misrepresentation

Under the Insurance Contracts Act 1984 (Cth) (Act), you have a duty to take reasonable care not to make a misrepresentation to us.

This duty applies whenever you enter into, renew, extend or vary this contract of insurance.

In all cases, we will ask you questions that are relevant to our decision to insure you and on what terms.

It is important that you understand you are answering our questions in this way for yourself and anyone else that you want to be covered by the contract.

When you answer the questions you must give a true and accurate account of matters. Your response should tell us everything that you know about the question because your response is relevant to whether we offer you insurance and the terms we offer you.

A misrepresentation made fraudulently is made in breach of the duty to take reasonable care not to make a misrepresentation.

Circumstances relevant to your duty

Whether or not you took reasonable care not to make a misrepresentation will be determined with regard to all the relevant circumstances.

If we know, or ought to know about your particular characteristics or circumstances, we will consider these to determine if you took reasonable care not to make a misrepresentation to us.

We may consider the following matters to determine if you took reasonable care not to make a misrepresentation to us:

the type of insurance contract in question, and its target market
explanatory material or publicity produced or authorised by us
how clear, and how specific, the questions we asked were
how clearly we communicated to you the importance of answering those questions and the possible consequences of failing to do so
whether or not an agent/insurance broker was acting for you, or
whether the contract was a new contract or was being renewed, extended, varied or reinstated.

You are not to be taken to have made a misrepresentation merely because you:

failed to answer a question, or
gave an obviously incomplete or irrelevant answer to a question.

Consequences if you fail to take reasonable care and do make a misrepresentation

If you do not take reasonable care when answering our questions and the result is you do make a misrepresentation to us, we may cancel your contract or reduce the amount we will pay you if you make a claim, or both.

If your failure to take reasonable care not to make a misrepresentation to us is fraudulent, we may refuse to pay a claim and treat the contract as if it never existed.

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