Our policies include medical expenses covering pregnancy and childbirth up to 30 weeks into your pregnancy if you're expecting one baby, or up to 20 weeks if you're expecting more than one baby, whilst you are away. As of the beginning of week 31 to week 40 of pregnancy for one baby, or the beginning of week 21 for more than one baby, there is no cover pregnancy-related claims and normal childbirth.

However medical expenses cover will be provided if any of the following complications arise:

• Toxaemia (toxins in the blood)

• Gestational hypertension (high blood pressure arising as a result of pregnancy)

• Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)

• Ectopic pregnancy (a pregnancy that develops outside of the uterus)

• Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)

• Post-partum haemorrhage (excessive bleeding following childbirth)

• Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)

• Placental abruption (part or all of the placenta separates from the wall of the uterus)

• Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)

• Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)

• Stillbirth

• Miscarriage

• Emergency Caesarean section

• A termination is needed for medical reasons

• Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date

Please keep in mind that no cover is available for children who are born overseas during your trip.

If at the time you purchase your travel insurance, you know that you will be 33 to 40 weeks pregnant during your trip; you will be unable to claim cancellation for your trip. 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 still be considered. For further information, please contact us.

To find out whether your mental condition is covered, you need to complete our Medical Assessment online or over the phone with our Customer Services Team on 1300 552 701

Every medical situation is different, so this is not one of those yes or no questions. However you are able to declare your diabetic condition through our medical screening tool, which is available online (when you get a quote) or over the phone, and don’t worry, no medical certification is required. Your diabetic condition may be covered, may not be covered, or require an additional fee to cover. Don’t forget you can contact us if you have any doubts, or if you simply need our consultant to help you with the process.

For 24/7 emergency assistance, please contact us at +612 9333 3999 (reverse charge) from anywhere in the world. Alternatively, you can email us at assistance@insureandgo.com.au.

Insure&Go is part of the Europ Assistance Group, which has a global presence in more than 200 countries. With a network of over 750,000 assistance providers, Europ Assistance averages 10 million assistance interventions every year. In 2019 alone, Europ Assistance helped 1.2 million travellers worldwide.

InsureandGo does not automatically include cover for any pre-existing medical conditions. All conditions can be considered via a medical questionnaire that you can either complete online or through the call centre. Please contact us if you would like to complete the questionnaire over the phone.

InsureandGo requires you to show proof of ownership in the event of a claim; it is therefore highly recommended that you keep the receipts/valuation certificates. If you are unable to provide proof of ownership your claim could be declined. Please contact us if you have any other questions.

We offer a rental vehicle excess waiver of up to $4,000 on Silver and up to $8,000 on Gold for International policies; & up to $5,000 in Domestic policies provided you hire the car for 36 days or less for International Policies and 22 days for Domestic policies. This means that you will be covered for up to $8,000 for International policies & up to $5,000 in Domestic policies if you have to forfeit excess with the hire car company. The rental car must have no more than 9 seats and not be driven off-road.

We will reimburse the Rental Car insurance excess charged to you through the rental car company if a car you have rented during your trip is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody.

This cover does not take the place of rental vehicle insurance or third-party damage insurance and only provides cover for the excess component up to the applicable benefit limit.

Under the InsureandGo 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.

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.

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 relative's pre-existing medical condition.