Golf equipment is automatically covered by the single-article limit on the policy.

If this is not sufficient, InsureandGo also offers an optional Golf Cover upgrade which is available with the One-Trip and Cruise policies. This upgrade covers lost, stolen or damaged golf equipment and also provides cover for lost pre-booked green fees. To find out more about this upgrade please read the PDS or contact us.

Personal accident is the lump sum compensation over and above the medical costs you receive in the event of permanent injury or death.

InsureandGo travel insurance is designed to protect you against the unexpected and unforeseen, therefore, if you know about an event that is already apparent or ongoing and this results in a claim, InsureandGo will not provide cover.

Are you looking for travel insurance with coverage for Covid-19 related events? InsureandGo policies provide you with several travel insurance benefits related to Covid-19.

You can find all the details of our coverage here.

Always read the PDS and Target Market Determination to make sure this product is right for you. 

We consider all pre-existing conditions, If you have any pre-existing medical conditions that you would like cover for, please contact us.

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last 5 years. If the condition was diagnosed more than 5 years ago but you are still seeking medical advice, treatments, medications, follow-ups or check-ups, it is still considered a pre-existing condition.

You must inform InsureandGo of any pre-existing medical conditions you have before purchasing insurance. To do so, you can use our quick and easy online medical screening system by following the online process. Alternatively, you can complete the medical assessment over the phone with our Customer Services Team at: 1300 552 701

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.

If you already have a policy^ and there has been a change in your medical status, you need to inform InsureandGo via email or speak to our Customer Services Team on 1300 552 701 before you travel. Please keep in mind we have the right to change the conditions of your policy^ in line with the change of risk and depending on your condition. We may include or decline the cover, or charge an extra cost.

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.