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*

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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.

Read more about Duty to take reasonable care not to make a misrepresentation

6 Simple ways to save on travel insurance

We all have to work within a budget – and sometimes, saving as much as possible is ideal, especially since it means we can spend more on the holiday itself! How can you save on your travel insurance costs, while still providing yourself with the cover you need?

1. Shop around: If you were buying a car, would you just go to one car dealer and buy the first thing you see? Probably not, travel insurance is the same! Make sure you shop around for your travel insurance and request multiple quotes before you make your decision. Buying travel insurance direct from an online supplier can sometime be much cheaper.

2. Increase your excesses: An excess is the amount you have to pay when you make a claim. Increasing or doubling your excesses is a good way to save on your insurance now, but only if you’re confident you can cover your excesses later on if you get into an accident. Alternatively, if you are taking a high risk holiday (e.g. skiing), you might be able to remove your excesses completely, pay a little more now – and save your money if an accident/emergency occurs.

3. Opt for multi-trip packages: Planning to travel multiple times throughout the year? If so, a combined multi-trip travel insurance package is probably ideal for you. This can provide you with continual cover for your trips and can save you lots, since you won’t have to buy a brand new policy every time you need to travel.

4. Look for discounts: Discounts and promotions are one of the best ways to save on travel insurance! Keep an eye out for coupons and codes for your chosen travel insurance providers or sign up to their newsletters and follow them on social media to gain access to specific customer deals.

5. Be honest: If you’re not, it’ll cost you! If you are dishonest on your insurance application and end up making a claim later on, the insurance company will discover your lies. They’ll also reject your claim, meaning you’ll be responsible for paying any outstanding costs. Not a great way to save!

6. Don’t under-insure: Under-insuring your holiday is one of the most common ways that travellers lose money. Make sure you’re covered for all your destinations and activities. If you make a claim and discover you’re not covered, you’ll have to pay the costs out of your own pocket. That’s not a saving at all!

Common FAQs

Eligibility

Destinations and regions

Buying an InsureandGo policy

When does the cover begin and end on my policy?

If you select an InsureandGo Silver or Gold One Trip Policy^ or a Domestic policy^, then Cancellation cover commences as soon as you purchase the Insurance. All other sections begin when you leave Australia and ends the moment you arrive back to Australia.

If you select an InsureandGo Annual Multi-Trip policy^, then Cancellation cover starts on the date you choose to start the policy^. All other sections of cover begin when you commence your trip.

Can I change the excess on my policy?

When you buy your policy^, you can choose between standard excess of $100.00, double excess or you can eliminate the excess completely. Changing the standard excess of $100 will alter the base price of the policy^ accordingly. Additionally, if you need to change the excess on your policy^ after purchase please contact us.

Am I covered for cancellation?

InsureandGo Silver, Gold and Domestic policies include cover for cancellation of your trip for unforeseen and unexpected circumstances such as sickness, death of a relative and so on. To read the full terms and conditions that apply to cancellation cover, please read the relevant policy wording booklet.