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).

You should register your claim within 30 days of completing your travel. You can either lodge a claim online or download a claims form from the website and send it to us by email with all your supporting documents (e.g. receipts, police reports). We will endeavour to give you a response within 10 business days. Please contact us if you have any questions regarding the claims process.

If this cover is not suitable for you and you want to cancel your policy, you may return this insurance to us within 21-days of purchasing it, provided that you have not made a claim or exercised any other rights under the policy and your trip has not commenced. We will cancel the policy and give you a full refund of the premium.

Contact us by mail at info@insureandgo.com.au or call 02 9333 3902 to cancel your policy.

If you cancel after this 21-day period, provided that you have not made a claim or exercised any other rights under the policy, we will refund you a proportion of the premium for the outstanding period of cover, less any government charges and taxes that we cannot recover.

If you have purchased a travel insurance policy^ from Insurea&Go and you feel that it is no longer suitable, or you have noticed an error with your insurance, please contact us as soon as possible. Our customers have a 21-day cooling-off period, so you can cancel your policy^, get a full refund or choose a better policy to suit your needs within this period.

Please be aware that the cooling-off period does not apply if you have already travelled or made a claim on your policy^.

If you cancel after this 21-day period, we will refund you a proportion of the premium for the outstanding period of cover, less any government charges and taxes that we cannot recover.

If you need to change your address or contact details after you purchase your travel insurance, please email us at info@insureandgo.com.au. We will be able to amend the details of your policy^ at no extra cost within 24-48 hours and all amended documents will be sent to you by e-mail.

Yes, you can extend the cover on your travel insurance policy whilst you're away. Policies can be extended only once and only up to the maximum trip length of the travel plan you select. You will need to pay an additional premium for the extended cover. If you need to extend your policy, please contact us.

Here is a list of the maximum trip lengths:

One trip, Cruise and Domestic:

• 365 days if you are aged 64 or under;

• 90 days if you are aged 65 or over (unless you are aged 80 or over, and select a Worldwide Including travel plan);

• 35 days if you are aged 80 or over, and select a Worldwide Including travel plan.

 Backpackers:

• 18 months

If any details on an existing policy^ need to be amended, you must contact our Customer Service Team and seek the help of a customer service representative to confirm the changes.