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.