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.

You can find the Claims form for Loss of Personal Effects by clicking on the link below. Alternatively, you can easily submit your claim online here.

As per our Policy Wording Documents, curtailment is cutting your trip short after departure, due to the unexpected death of, or sudden serious injury or illness of, your, or your travelling companion’s relative who is resident in Australia or New Zealand and who is in Australia or New Zealand at the time the event occurs, or of your business associate who is resident in Australia and who is in Australia at the time the event occurs.

In this event, we would cover your travel and accommodation expenses that you are unable to recover from another source. Please note that this benefit is only on the Silver and Gold levels of cover. Certain limits also apply. Check the Policy Wording Documents for more information.  

Depending on the reasons, your level of cover and the options selected, we cover cancellation/rescheduling of flights for unforeseen/unexpected medical reasons, death of a relative, natural disaster, serious damage to your home in Australia, passport if lost/stolen and so on. Please read the PDS for more info (For cancellation, Section A - Page 19 & if the said expense is incurred after going on the trip, it will fall under Additional Emergency Expenses - Section C2, Page 24)

Any claim arising directly from you, your partner, a relative or your travelling companion consuming alcohol is not covered as per our general exclusions. Please read PDS for more info (General exclusion point 7).