Insure&Go Review to Win Competition 2025

This promotion is provided by Insure&Go Australia.

By participating in the ‘Insure&Go Review to Win Competition’, these terms and conditions apply. Participation in this Promotion is deemed acceptance of these Terms and Conditions. 

Rules of the Promotion

1. This Promotion commences at 00:01am Australian Eastern Daylight Savings Time (AEDT) on 15/04/2025 and final entries close at 11:59pm AEDT on 31/12/2025 (“Promotional Period”).   
2. There will be 36 draws conducted for Australia (4 per month during the promotional period). Entries are only valid if an Insure&Go Australia travel insurance policy ("Eligible Product") was purchased between the opening and closing times of the Promotional period based on AEDT.   
3. The draw will take place at Level 1, 19 Harris Street Pyrmont, NSW, 2009, during the first week of the following month. In the event that an invalid or ineligible entrant is drawn, Insure&Go Australia may draw additional reserve entries and record them in order.
4. Entry is only open to residents of Australia aged 18 years or over.
5. To enter, individuals must complete the following steps during the Promotional Period:
   1. Purchase any Eligible Product in Australia during the Promotional Period.
   2. Eligible product means an Insure&Go Australia Insurance travel insurance policy.
   3. Leave one (1) review on one (1) of the following platforms:
      1. Product Review
      2. Google Review
      3. Trustpilot (reviews must be submitted by 24/06/2025)
      4. Compare Travel Insurance
      5. Alternatively, if you have received our customer feedback survey (NPS), completing this survey will also count as one (1) valid entry.
6. Only one (1) entry is permitted per Eligible Product purchased and a maximum of one (1) prize is available per entrant.  
7. Employees of Insure&Go Australia (and their immediate families) and entities associated with this Promotion are ineligible to enter.   
8. Reviews that are left blank, lack a full name or are indecipherable will be deemed invalid entries.  
9. If an entrant instructs cancellation of their travel insurance policy, their entry will immediately be removed from the competition, and they will no longer be eligible to win unless they purchase another Eligible Product.   
10. The winner(s) of the draw will be notified via direct message within two (2) business days of the draw to claim the prize, and their names will be published on Insure&Go Australia's website or any relevant social media platform.   
11. Insure&Go Australia’s decision is final and at its sole discretion.   

The Prize

12. In the event any prize(s) remains unclaimed within three (3) business days of the draw, a re-draw will take place at Level 1, 19 Harris Street Pyrmont, NSW, 2009. In the event that an invalid or ineligible entrant is drawn, Insure&Go Australia may draw additional reserve entries and record them in order. The new winner, if any, will be notified by direct message within two (2) business days of the unclaimed prize draw.    
13. The total value of each prize is AUD $100. 
14. Prizes, or any unused portion of a prize, are not transferable or exchangeable and cannot be taken as cash, unless specified otherwise.   
15. The prize will be in the form of an e-gift card and will be generated online and emailed to the nominated email address of the winner.   
16. The electronic transfer of the prize will happen within 30 days of the draw subject to the correct email address details being supplied.   
17. In the event that an entrant wins the Prize, the entrant consents to Insure&Go Australia using their name, photograph and/or video recording, in any media forum for as long as needed without remuneration. This helps us showcase the success of our Promotion and highlight the products and services we offer.   

Insure&Go Australia’s Liability

18. Insure&Go Australia does not accept any liability for any harm, loss, or damage arising from participation in this competition.  
19. The governing law for this competition is the laws of New South Wales, Australia.
20. If this Promotion is interfered with in any way or is not capable of being conducted as reasonably anticipated due to any reason beyond the reasonable control of Insure&Go Australia, including but not limited to technical difficulties, unauthorised intervention or fraud, Insure&Go Australia reserves the right, in its sole discretion, to the fullest extent permitted by law: 
    1. ato disqualify any entrant; or 
    2. subject to any written directions from a regulatory authority, to modify, suspend, terminate or cancel the Promotion or Prize, at its sole discretion.
21. Insure&Go Australia reserves the right, at any time, to verify the validity of entries and entrants (including an entrant’s identity, age and place of residence) and reserves the right, in its sole discretion, to disqualify any individual whom Insure&Go Australia has reason to believe has breached any of these Terms and Conditions, tampered with the entry process, engaged in any unlawful or other improper misconduct which jeopardises or is likely to jeopardise the fair and proper conduct of the Promotion.   
22. Insure&Go Australia collects personal information for the purpose of conducting the Promotion and may, for this purpose, disclose such data to relevant third parties involved in the Promotion, including but not limited to agents, contractors, service providers and prize suppliers. Any disclosure of personal information will be in accordance with the Insure&Go Australia Privacy Policy which can be viewed at Privacy Policy.
23. In accordance with the Insure&Go Australia Privacy Policy, from time to time, we may use your contact details to send you direct marketing communications including offers, updates and newsletters that are relevant to the services we provide. We always give you the option of electing not to receive these communications in the future. You can unsubscribe by notifying us and we will no longer send these communications to you.   
24. All entries are handled by Insure&Go Australia. If needed to run this Promotion, Insure&Go Australia may share your information with partners outside of Australia, following our Privacy Policy. Your privacy matters to us, and we'll only do this when necessary.
25. Insure&Go Australia may use social media platforms such as Facebook and/or Instagram to advertise or promote the Promotion. This Insure&Go Australia Promotion is in no way sponsored, endorsed or administered by, or associated with Facebook or Instagram. Any questions, comments or complaints regarding the Promotion should be directed to the Promoter and not Facebook or Instagram.

Make a Claim

Travel insurance gives you added peace of mind, but it’s essential to understand the claims process when things don’t go as planned. Being prepared can reduce stress and help you know exactly what to do if something unexpected happens.

Looking to submit a claim? Start your claim online - You can also check the status of your claim within our Claims Portal.

Start a Claim

How to Make a Travel Insurance Claim

1

Choose Your Submission Method

Online Submission or Manual Submission

2

Gather Supporting Documents

e.g. receipts and relevant reports.

3

Submit Your Claim

You should register your claim within 30 days of completing your trip.

 

Step 1: Choose Your Submission Method

 

• Online Submission: Submit and track your claim easily through our secure online portal.
• Manual Submission: Download the relevant claim form, complete it, and send it to us via email: claims@insureandgo.com.au                 
   

You should register your claim within 30 days of completing your trip.

Step 2: Gather Supporting Documents

 

To help us process your travel insurance claim quickly and efficiently, gather any necessary supporting documents, such as receipts and relevant reports. Don’t have everything ready yet? No problem! You can still submit your claim now and provide any missing documents later.

Please keep all original claim forms, receipts, and any damaged items until we’ve finished reviewing your claim. If we need them, we’ll let you know during the assessment process.                
 

Ensure you have:

• Documents in English or with an official translation.
• Proof of ownership, value, and the event you're claiming for, all submitted within the required timeframe.

Step 3: Submit Your Claim

 

• Online Submissions: Visit here to submit and track your claim. This secure online portal makes it easy to monitor the progress of your claim. 
• Manual Submissions: Download and complete the relevant claim form from the table below, then print, sign, and email it to claims@insureandgo.com.au 

Contact Details

Contact Us

If you need claim forms or have any questions, please get in touch with our team

• Phone: +61 2 7201 9532
• Email: claims@insureandgo.com.au 

 

Claim Forms for Manual Submission

Medical Expenses Claim Form

Download

Use this form if you received medical treatment while overseas

Medical Certificate Form

Download

You must give this form to your GP or specialist to complete if you are required to submit a medical certificate or report as part of your claim

Baggage Claim Form

Download

Use this form if your baggage or any of your items (including passports, documents, cash) were delayed, lost, damaged or stolen while travelling

Cancellation Claim Form

Download

Use this form if you had to cancel all or part of your trip or a pre-paid excursion or tour

Travel Delay Claim Form

Download

Use this form if you experienced an injury or issue overseas that has prevented you from working

Curtailment Claim Form

Download

Use this form if you had to cut your trip short due to an emergency and/or need to claim emergency expenses; you should also use this form if you are claiming expenses for resuming your trip

Personal Accident, Liability or Legal Expenses Claim Form

Download

Use this form if you had to pay costs related to liability or legal issues overseas

Loss of Income Claim Form

Download

Use this form if you experienced an injury or issue overseas that has prevented you from working

Winter Sports Claim Form

Download

Use this form if you experienced an injury or issue overseas that has prevented you from working

Golf Claim Form

Download

Use this form if you experienced an injury or issue overseas that has prevented you from working

Vehicle Excess Waiver Claim Form

Download

Use this form if you experienced an injury or issue overseas that has prevented you from working

Cruise Claim Form

Download

Use this form if you experienced an injury or issue overseas that has prevented you from working

 

Frequently Asked Questions

Got questions about Insure&Go? We’ve answered some of the most common ones below.

View all our FAQs here

How do I make a claim?

You must register any claim within 30 days after the completion of your trip. You can either lodge a claim online or download a claim form from the Claims information page and email it along with all your supporting documents.

How long will my claim take to be settled?

Once all documentation that is required to make a decision on your claim is provided, we will provide you with an outcome on your claim within 10 business days. If your claim is approved, and a settlement is issued, the payment will be reflected in your account within 5-10 business days.

Will Insure&Go be handling my claim?

Yes, Insure&Go holds a binding authority from the insurer, Mitsui Sumitomo Insurance Company Limited (MSI) to issue contracts of insurance and to deal with or settle claims on MSI’s behalf and as MSI’s agent.

What documents/evidence do you need for me to make a claim?

The documents required to assess a claim depend on the type of claim you are lodging. Our online claim form lists the documents relevant to your claim, however, should you have any questions on what documents are required, please contact our claims team at claims@insureandgo.com.au or via a phone call at +61 2 7201 9532 if you have any queries.

What happens if I get into an emergency while overseas?

If you experience an emergency overseas, you should immediately call our Emergency Assistance Team

Phone: +612 9333 3999

Email: assistance@insureandgo.com.au;

If the matter is not urgent, please contact our claims team at claims@insureandgo.com.au or via a phone call at +61 2 7201 9532.

Can I travel on my policy if I have made a claim?

This depends on the type of claim that you are lodging. If an event has occurred within your travel dates, and you are not required to curtail your journey due to medical advice you can continue with your journey. However, if you are claiming for the cancellation of your journey, and wish to travel in the future, you will need to purchase a new policy to cover that trip.

How do I appeal the outcome of my claim?

Internal Dispute Resolution Process              
Europ Assistance Australia follows ASIC’s RG271 guidelines. A complaint is any dissatisfaction related to our products, services, staff, or complaint handling, where a response is expected or required.

If you have a complaint, you contact us at: complaints@insureandgo.com.au 

How do I appeal the outcome of my claim?

Internal Dispute Resolution Process              
Europ Assistance Australia follows ASIC’s RG271 guidelines. A complaint is any dissatisfaction related to our products, services, staff, or complaint handling, where a response is expected or required.

If you have a complaint, you can contact us at: complaints@insureandgo.com.au              
 

We will acknowledge your complaint within 24 hours and provide updates every 10 business days. A response will be given within 30 days.              
 

If the complaint is unresolved or you are unhappy with the outcome, you can contact the Australian Financial Complaints Authority (AFCA):              
Phone: 1800 931 678 (Free Call)              
Address: GPO Box 3, Melbourne VIC 3001              
Email: info@afca.org.au               
Website: www.afca.org.au

Complaints Resolution Process Information 

How will I be contacted regarding my claim?

The claims consultant assessing your claim will be in contact with you via email or phone, whichever is your preferred contact method.

Will I receive progress updates for my claim?

We adhere to the General Insurance Code of Practice when assessing claims. Should you request an update on your claim, we will respond within 10 business days. If we require further information from a third party or from you, we will follow up on this and provide you with an update every 20 business days.

Why would my claim have been declined?

There are several reasons a claim could be declined, which include but are not limited to:       

• Lack of documentation to support the claimed event
• An exclusion is applicable to the claim
• The claim falls outside the scope of cover of the policy

In the event that your claim is declined, you will receive a letter detailing the reasons. Should you have any questions regarding the claim decision, please contact our claims team at +61 2 7201 9532 or by email at claims@insureandgo.com.au.

If you are dissatisfied with the outcome, please contact our complaints team on                          
Email: complaints@insureandgo.com.au

What Your Insure&Go Policy Will Cover You For

Insure&Go, Australia’s online travel insurance specialist, offers affordable comprehensive policies that are backed by an expansive 24/7 global assistance network. There are three levels of coverage to choose from; bare essentials, silver and gold to suit your unique travel needs and budget. Depending on which level of coverage you choose, your travel insurance policy for your next trip to Bali may include the following:

• Unlimited Overseas Medical Expenses
• Trip Cancellation for Instances such as Unforeseeable Death, Injury, or Illness
• Emergency Medical Evacuation
• Trip Interruption
• Lost Bags or Personal Belongings
• Pregnancy Cover For up to 30 Weeks
• Unlimited Dependent Children up to the Age of 18 Insured for Free**
• Coverage for 90 Different Sports and Leisure Activities Including Bungee Jumping and Snorkelling

Please read our full insurance policy terms, provisos, exclusions, and conditions for full details regarding this coverage.

Natural Disaster Cover

When travelling to a destination like Bali, it is important to include a policy upgrade (available on the summary page of the quote journey) which will cover you from unexpected natural disasters. Natural disasters that can occur in the Bali region are wide-ranging and include floods, cyclones, landslides, earthquakes, and volcanic eruptions.

To make a claim due to a natural disaster, you must have purchased this policy upgrade option and the option must be shown on your policy. Please note that there is no coverage for costs incurred as a result of a natural disaster event that is known prior to purchasing or upgrading the policy. If there is a known natural disaster event, it will be mentioned prior to payment on our website and over the phone by our agents.

Note that medical cover due to any natural disaster is automatically included in all international policies without purchasing a Natural Disasters add-on.

Choose our Silver or Gold level of cover and you will be protected for cancelling your trip before departure or cutting your trip short. All levels of cover will include coverage for additional emergency expenses. These are expenses you incur after departure that are over and above what you had originally budgeted to pay, if your trip is disrupted, or you are required to return to your home in Australia because of a natural disaster. These expenses can include things such as accommodation, meals, or travelling costs.

What You May Not Be Covered For

• Government Warnings: Check to make sure that any current Australian Government foreign travel warnings won’t affect your travel insurance cover.
• Consumption of Alcohol: Claims that arise directly from you or a covered party consuming alcohol will be denied.
• Motorcycles & Scooters: Claims will be denied if you do not hold a valid driving licence for the country you are in and, for motorcycles 125cc or higher, a valid licence for an equivalent-rated motorcycle in Australia. 
• Unattended Belongings: You will not be covered for any personal luggage and personal effects if you leave them unattended in a public place such as a beach.
• High-Risk Activities: Insure&Go policies automatically cover 90 different sports and activities, but make sure to check that your chosen activity is covered.
• Reporting Incidents: Be sure to report any instance such as theft or loss of belongings within 24 hours to the appropriate authority or risk your claim being denied.
• Natural Disasters: To make a claim due to a natural disaster, you must have purchased Insure&Go’s policy upgrade option and the option must be shown on your policy. Note that there is no coverage for costs incurred relating to a natural disaster if an event is already known prior to purchasing a policy.
• Pre-Existing Medical Conditions: Insure&Go considers all pre-existing medical conditions for potential cover, if agreed,  so long as they are reported at time of purchase. Failure to disclose any pre-existing medical conditions may void any claim relating to that condition.

Quick Guide for Bali Holidays :

Read here for detailed travel tips on Bali before you go, and don’t forget to buy travel insurance

Visas for Bali

As per the www.smartraveller.gov.au you can visit visa-free for up to 30 days or pay for a visa for up to 60 days. Apply for the right visa if you plan to stay longer.

Best Time to Visit Bali

Although the weather is warm throughout the year, most travellers choose to head to Bali during the dry season which runs from May to October. Avoid the peak tourist season which runs during the months of July and August and opt for a visit in May, June, or September. You’ll also want to avoid travel during national and school holidays.

Health Concerns

Travel to Bali does require taking some precautionary measures when it comes to your health. It is important to bring insect repellent as several mosquito-borne illnesses are prevalent in Indonesia including malaria and sporadic Zika virus cases. Dengue fever also occurs throughout Indonesia and there is no vaccination or treatment available.

Avoid “Bali belly” by not drinking tap water or taking beverages with ice, as water quality is not to the standards of Australia. Other notable risks to your health while travelling in Bali include getting tattoos, close contact with animals (rabies risk), illicit drug use, and HIV/AIDS through risky behaviour.

Crime & Safety

All of Indonesia, including Bali, carries a high threat of terrorist attacks. Bali also has had a high occurrence of alcoholic drink spiking with harmful substances such as methanol. It is best to avoid alcohol altogether when holidaying in Bali.

Opportunistic theft, ATM fraud, scams, and sexual assault also occur in and around Bali, so it is essential you stay alert and minimize the risks for these crimes to occur.