If you are an InsureandGo Cruise policyholder, we will pay you for the necessary and reasonable medical costs incurred as a result of you becoming ill or injured whilst on board. We will also cover Evacuation expenses if the medical practitioner has stated in writing that you are unfit to continue your trip due to medical illness or injury.

 If you are a Silver or Gold Cruise policyholder, we will reimburse you $75 for each 24-hour period that you are confined by the ship's medical officer to your cabin for medical reasons during the period of your trip.

If you are an InsureandGo Policyholder, we will pay you for the necessary and reasonable costs incurred as a result of you becoming ill, being injured or dying whilst on your trip or cruise.

InsureandGo Policy covers more than 90 sports and activities. For the details of covered activities and excursions and their requirements, please refer to pages 36 – 38 of our PDS.

If your activity is not listed below, cover is available if the activity meets the following criteria:

• An activity able to be undertaken by persons of all ages including those activities with height or general health warnings (e.g. bush walk) and which do not require specialized equipment or a high level of fitness.

• Activities provided by a commercial operator and open to persons of all ages including those with height or general health warnings (e.g. Disneyland rides)

• Sports and Activities for which no cover is available are listed under the Table of excluded sports and activities on page 40.

If you are on a domestic cruise, InsureandGo will provide Cruise travel insurance policyholders coverage for Medical and Evacuation expenses. However, this benefit does not apply to any medical treatment needed on-land in Australia or whilst the ship is tied up in an Australian port.

Our Cruise Policies will provide you coverage when you’re travelling on land, in the air and cruising the ocean.

When purchasing a cruise policy^, simply select ‘cruise’ as your trip type and select your destination bracket.  Please note, for the South Pacific and Asia Cruise, you have two destination options to select from:

• For cruises that include any of the listed Pacific destinations and docks at any Australian port after departure – select Domestic/South Pacific.

• For cruises that include any of the listed Asia destinations and dock at any Australian port after departure – select Domestic/Asia.

Yes, our Silver and Gold policies provide unlimited coverage for necessary and emergency medical expenses incurred overseas if you are diagnosed with COVID-19. This includes emergency medical, surgical, hospital, ambulance and repatriation costs where necessary.

Our Silver and Gold policies offer benefits for overseas medical expenses, cancellation or amendment expenses as a result of COVID-19.

Our Silver and Gold policies offer coverage for $2,500 and $5,000 respectively if it is necessary and unavoidable for you to cancel your trip as a result of:  

• you being medically diagnosed with COVID-19 after you purchase the policy,
• a close relative being diagnosed with Covid-19 after purchasing the policy and the treating doctor confirms in writing the level of infection is life-threatening or
• a travelling companion being medially diagnosed with COVID-19 after purchasing the policy.

These benefits will cover:

• travel and accommodation expenses and pre-paid meal expenses which you have paid or have agreed to pay under a contract and which you cannot recover from any sources;
• the cost of excursions, tours and activities which you have paid for and which you cannot recover from any sources;

• your additional reasonable and necessary travel and accommodation expenses, incurred after departure, that are over and above what you had originally budgeted to pay, where you need to catch up to your original schedule.

For overseas policies, our Silver and Gold policies offer coverage for overseas medical expenses, cancellation or amendment expenses. For domestic holidays, our Silver and Gold policies offer coverage for cancellation and amendment expenses due to COVID-19.

If you have been diagnosed with COVID-19 and you have a policy with us, contact us at +6129333999 or email assistance@insureandgo.com.au