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

If you missed the scheduled departure of your pre-booked cruise from Australia due to:

•  An accident involving your means of transport

• The cancellation, delay or diversion of your scheduled transport caused by riot, strike or civil commotion, but only those expenses that You cannot claim from someone else.

• A Natural Disaster. (This is only applicable if you have purchased the Natural Disaster upgrade option and this is shown on your Policy Schedule. This does not include those that were known at the time of purchasing this insurance.)

 Silver and Gold Cruise travel insurance policy^ customers will be paid up to the amount shown in the Table of benefits for reasonable and necessary additional travelling expenses incurred after you leave your home address in Australia, that are over and above what you had originally budgeted to pay and are needed to continue with your original itinerary.

Yes, Our Gold and Silver policies provide coverage for your reasonable additional travel and accommodation expenses if you are unexpectedly forced into quarantine during your trip as a result of being diagnosed with COVID-19. We cannot provide cover if you are forced into quarantine for any other reason other than you being diagnosed with Covid-19.

No, our policies do not cover any claims arising from border closures, or any other claims relating to any government travel bans, “Do not travel” warnings; or mandatory quarantine or self-isolation requirements related to cross-border, region or territory travel.

If your airline is not allowing you to travel because you have been diagnosed with COVID-19 before flying, our Silver and Gold policies can cover you up to $5,000 (Gold policies) in the event you need to cancel or amend your trip.

We cannot provide cover if, for any other reason related to COVID-19, the airline refuses you to board. This includes if you are designated as a close contact, there are border closures or you do not meet the vaccination requirements.