You can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports). We aim to give you a response within 10 business days of us receiving your documentation.

Please contact us if you have any questions regarding the claims process.

Claims should be registered within 30 days of completing your travel, or as soon as reasonably practicable.

The policy can provide cover for unlimited medical, hospital and surgical coverage for an insured person as a result of complications of pregnancy prior to the 31st week of pregnancy.

If you become pregnant after you purchase the policy, it can also provide cover for cancelling your trip prior to departure if you will me more than 30 weeks pregnant (if you are expecting one baby), or 20 weeks pregnant if you are expecting more than one baby.

Please keep in mind that no cover is available for children who are born overseas during your trip.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Pre-existing medical conditions aren’t automatically covered, but they can be considered via the medical assessment. You can complete this assessment online during the quotation process or speak with our team over the phone.

A pre-existing medical condition refers to any diagnosed medical condition for which you or any insured person has suffered from or has received any form of medical advice, treatment or medication in the past 5 years.

To determine if your condition can be covered, simply complete the Medical Assessment. If you prefer to do this over the phone, our team is happy to assist.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Parents or grandparents can buy insurance on behalf of their dependent children or grandchildren, including fostered or adopted dependents. To be eligible, children must be under 18 years of age, financially dependent, and listed on the policy schedule.

Children aged 17 or under can be included at no extra cost** when travelling with a parent or grandparent on eligible policies. Those aged 18 and over are considered adults for policy purposes, regardless of whether they’re part of a couple or family policy^.

It is a condition of our policies that dependents under 16 years of age must be under full adult supervision throughout the trip.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Excess is the amount of money you agree to pay should the unfortunate happen, and you need to make a claim to your insurer. It applies per person, per event and per applicable section of your policy. 

For example, if your excess is $100 and you make a successful claim for a doctor’s bill, $100 will be deducted from the total amount paid.

Our standard excess amount is $100, but you can choose to remove or double this amount through the quotation process, depending on your preferences.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Travel insurance can help manage unexpected costs that may arise during your journey, particularly overseas medical expenses, which can be significant in some countries. It can also assist with other unforeseen events such as trip cancellations, lost or delayed baggage, and travel disruptions due to natural disasters or emergencies, and can offer a layer of financial support when plans change unexpectedly.

The Australian Government or Medicare won’t be able to help you with overseas medical expenses. While Australia has several reciprocal healthcare agreements with other nations, these do not provide financial assistance for medical repatriation back to Australia to receive treatment.

Some countries might ask you for a copy of your insurance before granting travel visa applications. Visit Smart Traveller for country-specific requirements before applying for a visa.

Despite not providing medical coverage within Australia, domestic travel insurance is important for providing you with coverage for situations such as trip cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Cancellation cover, in terms of travel insurance, means that if something goes wrong and it is necessary and unavoidable to cancel your trip before you head off, you may be able to claim back money you otherwise have lost (up to the amount stated in your insurance policy).
Cancellation can provide cover for the cost of cancelled flights, hotels, visas, tours/excursions, paid-for activities or sports, prepaid meals that are non-refundable, up to the amounts specified in your policy, and less any applicable excess. 

If you booked your trip through a travel agency and they charged you fees, you might be able to claim back some of these costs too, depending on your policy. 

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

When purchasing with Insure&Go, you may have the option to choose between three different levels of cover: Bare Essentials, Silver, and Gold.

• Bare Essentials: Basic level of cover, including essential coverage such as medical expenses, personal liability, emergency expenses, and baggage cover. 
• Silver: Includes the benefits of Bare Essentials plus trip cancellation, travel delay expenses, and more. 
• Gold: Includes all Silver benefits and can include higher benefit limits, and additional benefits such as special events, hijacking, pet care and resumption of journey. 

All pre-existing medical conditions can be considered for all three levels of cover.
If you opt for an Annual Multi-Trip policy^ instead of a single trip policy^, you will be covered for multiple international trips over a 12-month period. Annual Multi-Trip policies include unlimited overseas medical expenses, unlimited cancellation cover on Gold policies, and baggage covered up to $8,000 on Gold policies.

To customise your policy, there are a number of additional upgrades available that offer coverage for winter sports, business equipment, and natural disasters.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Coverage for cancelling your trip prior to departure starts once you purchase the policy. 

Cancellation cover (if included as part of your cover) can help you recover your non-refundable prepaid travel costs if you need to cancel for a coverable reason before your journey begins. 

If you need to cancel your trip for a covered reason, your prepaid travel costs, such as flights, accommodation, and tours, may be reimbursed. Covered reasons can include things like redundancy, natural disaster (If you have purchased he applicable add-on), pregnancy-related complications, serious illness or injury, significant damage to your home in Australia, or the death of a travelling companion or a relative living in Australia.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

A Product Disclosure Statement (PDS) is a legal document that outlines the key features, benefits, limitations, sub-limits, and conditions of your travel insurance policy. It also explains your rights and responsibilities as a policyholder.

Reading the PDS can help you understand what is and isn’t covered and help you choose the policy that is right for you. Within the PDS, you will find details on excesses, premiums, coverage limits, exclusions, and optional upgrades.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS).

Applies per person, per event, per claim.

You can choose the excess you want ($100, $200, $0), but be aware that this will change the price of your initial premium. Our standard excess amount is $100, but you can decide to remove or double this amount through the purchase process.

Under the Insure&Go 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 full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply.

Purchasing earlier won’t cost you any more money, as you will only pay for the travel period covered by your policy. The sooner you purchase, the longer you can take advantage of cancellation cover if it’s included as a part of your cover. This can help you recover prepaid travel costs should you need to cancel your trip for covered reasons before you begin your journey.

Your prepaid travel costs, such as flights, accommodation, and tours, are covered if you cancel your trip due to employment redundancy, a natural disaster, pregnancy-related situations, or the injury, illness, serious damage to your home in Australia, or the death of someone in your travelling party or a relative based in Australia.

When purchasing with Insure&Go, you will have the option to choose between three different levels of cover: Bare Essentials, Silver, and Gold.

Bare Essentials is the most basic level of cover, which includes essential coverage such as medical expenses, personal liability, emergency expenses, and baggage cover.

Silver includes all of this but covers you for a lot more, including trip cancellation, travel delay expenses, and more.

Gold Policies cover everything in the Bare Essentials and Silver levels, though it insures you at a higher cash value, and additionally includes cover for special events, hijacking, pet care, and journey resumption. All pre-existing medical conditions are considered for all three levels of cover.

If you opt for an annual policy^(not currently available) over a single trip policy^, you will be covered for unlimited international trips over a 12-month period.

Annual policies include unlimited overseas medical expenses, unlimited cancellation cover, and baggage covered up to $15,000 on Gold Policies.

To customise your policy, there are several additional upgrades available that offer coverage for winter sports, adventure sports, golf, business equipment, and natural disasters.

Insure&Go offers one of the most comprehensive policies when it comes to pregnancy travel insurance, covering you up to and including your 30th week if you are expecting a single child or up until your 24th week if expecting multiple babies.

Read the Product Disclosure Statement for more information.

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years.

Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone.

Please note that failing to declare a pre-existing condition can void your policy.

The important reason for purchasing a policy is to gain coverage for overseas medical expenses, which can prove to be extremely expensive in many countries should you require it.

The Australian Government or Medicare won’t be able to help you with overseas medical expenses, and although Australia has a number of reciprocal healthcare agreements with other nations, this will not provide financial assistance for the transportation of very ill patients back to Australia to receive treatment.

Some countries might ask you for a copy of your insurance policies before granting a tourist visa. Check Smart Traveller to understand which countries will ask you to purchase a policy before applying for a visa.

Despite not providing medical coverage within Australia, Domestic Travel Insurance is important for providing you with coverage for situations such as trip cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.

Read the Product Disclosure Statement for more information.