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Useful Numbers

Emergency assistance:

+612 9333 3999

Sales and Service:

1300 401 177

Insure&Go?

Here is why...

Award-winning Travel Insurance Provider

24-hour emergency assistance

All pre-existing conditions considered

Cover up to 100 years of age (Cruise and Bare Essential policies cover up to 79 years of age)

Unlimited overseas medical expenses cover

Unlimited cancellation in our Gold policies

I’m Pregnant – Can I Travel Overseas?

Pregnant

The Better Health Channel advises that travelling and flying is often safest during your second trimester. Generally, travelling while pregnant is fine as long as there are no complications and you have your doctor's approval.

Things to Consider:

Pregnant

Pregnancy & Travel Insurance

Most travel insurance companies provide pregnancy cover for women who wish to travel or fly.

In most cases, you won’t be covered for normal pregnancy or childbirth costs while overseas, but you will be covered for specific complications that arise from your pregnancy or birth.

Complications Covered Can Include: 

  • Premature delivery
  • Gestational diabetes or hypertension
  • Pre-eclampsia
  • Excessive vomiting diagnosed as hyperemesis
  • Birth complications such as placental abruption or emergency caesareans
  • Miscarriages or stillbirths

Make sure you check the terms and conditions of your specific policy so that you understand what you are and aren’t covered for in relation to pregnancy and childbirth.

Will you be covered for the full term?

Most travel insurance companies will cover your pregnancy up to 26-28 weeks, while others can provide cover for up to 30 weeks.

There can also be other restrictions on how long you will be covered for depending on:

  • Whether your pregnancy is single or multiple (twins, triplets etc.)
  • Whether you conceived naturally or engaged the use of reproductive services to conceive
  • Whether you have a routine pregnancy or are experiencing complications
  • Any pre-existing complications or conditions before purchasing the travel insurance (which need to be declared this upon application as a pre-existing condition)

Did you know?

Insure&Go is one of the few travel insurance companies in Australia that provides pregnancy travel cover for up to 30 weeks.

Useful Numbers

Emergency assistance:

+612 9333 3999

Sales and Service:

1300 401 177

Insure&Go?

Here is why...

Award-winning Travel Insurance Provider

24-hour emergency assistance

All pre-existing conditions considered

Cover up to 100 years of age (Cruise and Bare Essential policies cover up to 79 years of age)

Unlimited overseas medical expenses cover

Unlimited cancellation in our Gold policies

Target Market Determinations

Submitted by webellian on Fri, 11/10/2023 - 11:31

Target Market Determinations

This page includes the Target Market Determinations for financial products issued by Mitsui Sumitomo (InsureandGo Travel Insurance)

 

What’s a Target Market Determination?

A Target Market Determination is a document that describes the type of consumer who may suit one of our products, based on their needs, objectives and financial situation (target market).

It also describes the events or circumstances where we may need to review the Target Market Determination for a financial product.

Current Target Market Determination Documents – Valid from 14/08/2025

Download the Target Market Determination Document – One-Trip Policies

Download the Target Market Determination Document – Annual Multi-Trip Policies

Current Target Market Determination Documents – Valid from 19/03/2025

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – Cruise Policies

Current Target Market Determination Documents – Valid from 22/11/2024

Download the Target Market Determination Document – Annual Multi-Trip Policies

Current Target Market Determination Documents – Valid from 31/07/2024

Download the Target Market Determination Document – One-Trip Policies

Previous Target Market Determination Documents – Valid from 31/07/2024

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – Cruise Policies

 

Previous Target Market Determination Documents – Valid from 01/02/2024

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip International Policies

Download the Target Market Determination Document - Cruise Policies

 

Previous Target Market Determination Documents – Valid from 08/02/2023

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip International Policies

Download the Target Market Determination Document – Cruise Policies

 

Previous Target Market Determination Documents – Valid from 11/7/2022 until 08/02/2023

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip International Policies

Download the Target Market Determination Document – Cruise Policies

 

Travel Insurance for Natural Disasters

Submitted by webellian on Fri, 11/10/2023 - 09:57
Travel Insurance for Natural Disasters

Natural disasters are an inevitable fact of life and although Insure&Go cannot prevent them, we can make sure you are covered in the unfortunate event that one should occur before or during your holidays.

Natural disasters can occur with little or no warning and their impacts on your travel plans as well as your health could end up costing you dearly should you find yourself without quality travel insurance for natural disasters. They are just one more reason why travel insurance is so important.

Protect yourself from natural disasters such as floods, earthquakes, tsunamis, landslides, volcanic eruptions, atypical cyclonic storms, and other extraordinary natural phenomenon. Having quality travel insurance with natural disaster coverage means you could recover some of the costs associated with your travels such as cancelling your trip, cutting your trip short, or emergency medical expenses due to the occurrence of a natural disaster.

Most Common Questions
Do you provide cover for Natural Disasters?

Yes, we offer cover for additional emergency expenses you may incur as a result of a natural disaster provided you pay an additional fee to be covered. This additional fee to be covered for these events is applicable under all levels of cover and the amount you can claim varies depending on the level of cover you choose. Please note that if you do not pay this fee you will not be covered for natural disaster. This optional add-on can be selected at the end of the quotation just before making a payment online or if doing it over the phone our agent will ask you if you wish to add it to your policy. Whilst you may not be covered for natural disasters if you fail to add on the optional add-on, you will still be covered for medical expenses incurred as a result of a natural disaster.

Am I covered for a volcano eruption?

You get unlimited medical cover automatically, however, you are not covered for cancellations/cutting your trip short/emergency expenses or missed cruise departure unless you purchase our add-on coverage for natural disasters.

You are only covered for disasters unforeseen to the public at the time of purchase. If there is a known natural disaster, you will see this displayed within the optional add-on in the last step of the journey. However, you are covered for medical expenses, regardless, due to a natural disaster, as long as medically necessary and emergency.

How does cancellation cover work?

Cancellation cover starts on the date of purchase of Silver and Gold.

Cancellation is covered if the insured cannot travel due to medical reasons, death of a relative, an unknown natural disaster, serious damage to the home in Australia and so on. In any such event, the insured can cancel and claim for the pre-booked expenses lost on the trip.

I am overseas right now – can I buy, change or upgrade a policy?

You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.

Why Travel With Us?
All pre-existing conditions considered
Unlimited overseas medical expenses
Unlimited cover
Unlimited cancellation cover in our Gold Policy
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24 hour emergency assistance
All pre-existing conditions considered
All medical conditions considered online or over the phone
Quick and easy online claims process
No upfront medical certificates required upon application
Winner
Award winning travel insurance company
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Insure&Go is rated    4.0 from 6,625 reviews

Customer Reviews
2M travellers
Covid-19 Cover available
24award UA
Travel Insurance for Natural Disasters

*Price derived from a single trip of 5 days, Individual, age 30, to New Zealand, Pacific& Bali region. Cover for pre-existing medical may require an extra premium.

How and When Does Travel Insurance Provide Cover for Natural Disasters?

The most important thing when it comes to natural disaster travel insurance is to make sure you have your policy in place before the natural disaster occurs. Once a natural disaster event has taken place it will be too late for you to take out coverage.

To make a claim due to a natural disaster, you must have purchased Insure&Go’s Natural Disaster policy upgrade option and the option must be shown on your policy schedule.

Insure&Go makes it easy to obtain travel insurance quotes where you can compare our three different levels of cover. You can organise coverage for trip cancellation or having to cut your trip short if a natural disaster occurs and you have purchased the right level of cover with a natural disaster add-on included.

Depending on your level of cover, you may also be covered 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, and travelling costs.

Note that medical cover due to any natural disaster is automatically included in all international policies without purchasing this policy upgrade.

What is Covered?

For natural disasters that were unknown at the time of purchase and where you have taken out the natural disaster coverage upgrade option, Insure&Go will provide the following coverage:

  • Cancelling Trip Before Departure: If you have to cancel your trip due to a natural disaster, we will cover your pre-paid travel, visas, accommodation, and meal expenses, which you cannot be reimbursed elsewhere, as well as costs of pre-paid excursions, tours and activities. (Note: Only applies to our Silver and Gold levels of cover)
  • Cutting Your Trip Short: If cutting your trip short is necessary and unavoidable as a result of a natural disaster, coverage you choose could include pre-paid travel, accommodation, and meal expenses as well as pre-paid costs of excursions, tours, and activities. (Note: Only applies to our Silver and Gold levels of cover)
  • Additional Emergency Expenses: We will pay your reasonable and necessary additional travel costs, incurred after departure due to a natural disaster that disrupts your trip or requires you to return to your home in Australia. You may be able to claim travel delay expenses for necessary food and accommodation costs related to a natural disaster under this coverage.
  • Medical Expenses: Note that unlimited overseas medical cover is automatically included in all international policies without purchasing the natural disaster policy upgrade. We consider all pre-existing medical conditions and provide quality travel insurance for seniors up to 100 years of age.
  • Avalanche Cover: Take out our additional Winter Sports Coverage to cover you in the event of an avalanche. We will pay up to the amount shown in the Table of benefits for the necessary and reasonable extra travel and accommodation expenses that you need to pay overseas if you are prevented from arriving at or leaving your booked ski resort during your trip for more than 12 hours from the scheduled arrival or departure time because of an avalanche.

Should you have any questions in regards to what natural disasters are covered or any other travel insurance-related queries, you can read our Product Disclosure Statements or contact one of our helpful and knowledgeable staff who will be happy to assist you.

What Isn’t Covered?

  • Purchasing Travel Insurance After a Natural Disaster Occurs: 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. 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.
  • Overlooking Government Travel Warnings: It pays to check current government travel warnings and discuss any concerns over travel insurance coverage with one of our knowledgeable Insure&Go staff so you don’t find yourself abroad without qualifying for proper coverage.
  • Bad Weather: Natural disaster coverage does not cover you for bad weather such as rain, wind, or normal storms which may put a damper on your travel plans.
  • Choosing to Not Travel: Just because a natural disaster has occurred in your chosen travel destination does not mean you will be unable to travel. If travel to and from your chosen destination is still possible you may not be covered for simply not wanting to go due to a lack of facilities or activities available due to a natural disaster.
  • Policy Limits & Reasonable Expenses: Be aware of your policy’s limits when it comes to coverage. You will be responsible for any costs incurred which go above the allocated sum insured for a certain event. Likewise, you will only be covered for reasonable expenses you acquire from delays or interruptions caused by natural disasters, so book accommodation and travel accordingly or check to make sure your expenses will be covered under your policy.

Please note that these benefits are a summary, so please see our PDS for full terms & conditions.

Natural Disaster Tips When It Comes to Travelling

Natural disasters can occur anywhere at any time, so it is essential to be prepared. Just this year several large hurricanes have hit the United States, floods have ravaged Europe including the Czech Republic and Greece, and earthquakes have rattled the Middle East, South Korea, and Mexico.

Here are some tips when it comes to natural disasters and travel:

  • Purchase your Insure&Go policy with natural disaster coverage as soon as you finalise your travel plans. Natural disasters can occur at any time without warning and you will only be covered for events that are unknown at the time of purchasing your policy.
  • Certain countries or regions of the world are more prone to certain natural disasters. Research what disasters may be common in your chosen destination.
  • Consider the time of year when it comes to travelling to your chosen destination. Cyclones, tornadoes, and other weather-related natural disasters often have predictable seasons in which they occur more frequently.
  • Familiarise yourself with your chosen destination’s emergency contact numbers, evacuation plans, and safety procedures in the event of a natural disaster. Insure&Go provides its customers with the world’s largest 24-hour emergency assistance should you need to contact us during your travels.
travel

 

Pregnancy Travel Insurance | InsureandGo Australia

Submitted by webellian on Fri, 11/10/2023 - 09:52
Pregnancy Travel Insurance

Insure&Go makes it easy to obtain pregnancy travel insurance for expectant mothers who wish to travel.

Protecting yourself with travel insurance is incredibly important, especially when you are pregnant. Insure&Go offers one of the most comprehensive policies when it comes to pregnancy travel insurance, covering you if you are expecting a single child or multiple babies who were conceived naturally or via reproductive services.

What we Cover

Here at Insure&Go, we provide emergency childbirth coverage: 

  • Up until your 30th week, for a single-child pregnancy
  • Up until your 20th week, for a multiple-child pregnancy

Cover for premature birth (more than 10 weeks before the expected delivery date, or 18 weeks if you know you are having more than one baby) includes the costs related to the birth and post-birth medical care; unfortunately at this stage, we don’t offer any coverage for your baby. 

Any medical expenses related to specific pregnancy-related complications (listed below) are covered even after the cut-off mark for childbirth coverage.

You will also have trip cancellation and pre-paid expenses coverage for medically certified pregnancy-related cancellations (under Silver and Gold policies). This means you are covered in the event you need to cancel your trip if you become pregnant after we have sold you your policy, and you will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of or during your trip. You are also covered if your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy and childbirth.

Any claim that comes from pregnancy or childbirth must have confirmation from a qualified medical practitioner which states the claim is due to complications of pregnancy and childbirth. Accepted limited complications are explicitly listed in your PDS.

These benefits are a summary, so please see our PDS for full terms & conditions.

Most Common Questions
Is my baby covered?

Unfortunately, our policies do not offer any cover for any children who are born overseas. We do however cover your expenses for premature birth more than 10 weeks (or 18 weeks if you know you are having more than one baby) before the expected delivery date. We are unable to offer any cover for the baby even if you pay an additional premium in order to be covered.

I’ll miss my doctor’s appointment here, am I covered for the same one overseas?

Unfortunately, we don’t cover standard pregnancy-related doctor appointments, even if you become pregnant overseas.

I’m going to hit the 30 weeks mark half-way through our trip, will I be covered?

We cover premature birth more than 10 weeks before the expected delivery date (18 weeks if you know you are having more than one baby). We also cover certain pregnancy-related complications (listed in our product disclosure statement) for up to 30 weeks.

Do you cover childbirth?

We automatically cover you for unlimited medical, hospital and surgical costs for premature childbirth up to 30 weeks (for one baby only) and up to 20 weeks for multiple-child pregnancy. However, be advised that this policy does not cover costs associated with childbirth after this period nor do we cover the costs of a child born whilst you are overseas.

Do you need to declare your pregnancy before buying travel insurance?

No, you don’t need to declare as pregnancy is not determined to be a pre-existing condition. However, for a comprehensive list of what is and is not covered please refer to the Policy Wording Documents.

Do you cover pregnancy?

Our policies include medical expenses covering pregnancy and childbirth up to 30 weeks into your pregnancy if you're expecting one baby, or up to 20 weeks if you're expecting more than one baby, whilst you are away. As of the beginning of week 31 to week 40 of pregnancy for one baby, or the beginning of week 21 for more than one baby, there is no cover pregnancy-related claims and normal childbirth.

However medical expenses cover will be provided if any of the following complications arise:

  • Toxaemia (toxins in the blood)

  • Gestational hypertension (high blood pressure arising as a result of pregnancy)

  • Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)

  • Ectopic pregnancy (a pregnancy that develops outside of the uterus)

  • Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)

  • Post-partum haemorrhage (excessive bleeding following childbirth)

  • Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)

  • Placental abruption (part or all of the placenta separates from the wall of the uterus)

  • Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)

  • Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)

  • Stillbirth

  • Miscarriage

  • Emergency Caesarean section

  • A termination is needed for medical reasons

  • Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date

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

If at the time you purchase your travel insurance, you know that you will be 33 to 40 weeks pregnant during your trip; you will be unable to claim cancellation for your trip. If you are suffering from a complication of pregnancy and therefore a doctor advises you that you are not fit to travel then claims for cancellation will still be considered. For further information, please contact us.

Is IVF covered under the pregnancy cover?

Yes. We cover natural and IVF-assisted pregnancies under our international travel insurance policies

We provide cover for pregnancy and childbirth up to the end of the 30th week of pregnancy if you're expecting one baby, and up to the end of the 20th week if you're expecting more than one baby.

Complications of pregnancy are covered full-term. Please check page 49 for more information on complications of pregnancy and childbirth.

To clarify, no cover is available for children who are born overseas during your trip.

Do you cover for cancellation of your trip due to pregnancy?

Yes, we cover cancellation, If you become pregnant after we have sold you this policy, and you will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of, or during, your trip. Or, your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy and childbirth. For further information and a full list of what is considered a complication of pregnancy please go through the Policy Wording Documents.

Will I be covered if I have to return home early or cancel the trip due to family emergency at home?

Depends on the reason. We cover curtailment of the trip for the unexpected death of, or sudden serious injury or illness of, your, or your travelling companion’s relative who is resident in Australia or New Zealand and who is in Australia or New Zealand at the time the event occurs, or of your business associate who is resident in Australia and who is in Australia at the time the event occurs OR if there is a serious damage to your home or business premises in Australia.

 

Read the PDS for more info.

Why Travel With Us?
Unlimited cover
Trip cancellation and pre-paid expenses for medically certified pregnancy-related cancellations
All pre-existing conditions considered
Medical expenses related to specific pregnancy-related complications even after cut-off mark
Pregnancy cover for up to 30 weeks
Emergency delivery of baby up to 30 weeks (single) and 20 weeks (multiples)
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14 day cooling-off period
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24 hour emergency assistance
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Pregnancy Travel Insurance

Complications of pregnancy and childbirth that we cover are limited to:

  • Toxaemia (toxins in the blood)
  • Gestational diabetes (diabetes arising as a result of pregnancy)
  • Gestational hypertension (high blood pressure arising as a result of pregnancy)
  • Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
  • Ectopic pregnancy (a pregnancy that develops outside the uterus)
  • Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
  • Post-partum haemorrhage (excessive bleeding following childbirth)
  • Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
  • Placental abruption (part or all of the placenta separates from the wall of the uterus)
  • Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
  • Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
  • Stillbirth
  • Miscarriage
  • Emergency caesarean section
  • A termination needed for medical reasons
  • Premature birth more than 10 weeks (or 18 weeks if you know you are having more than one baby) before the expected delivery date

Pregnancy Cover Exclusions

Coverage for Babies: Unfortunately, our policies do not offer any cover for any children who are born overseas. We are unable to offer any cover for the baby even if you pay an additional premium in order to be covered.

Overseas Doctor’s Visits: Unfortunately we don’t cover standard pregnancy-related doctor appointments, even if you become pregnant overseas.

Pregnancy & Childbirth Claims: You will not be covered for any claim that comes from pregnancy or childbirth unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth which include premature birth (more than 10 weeks before the expected delivery date, or 18 weeks if you know you are having more than one baby).

Overseas Medical Treatment: Our policies offer unlimited hospital, medical and surgical expenses. For pregnancy, please note that we only cover the complications of pregnancy and childbirth only. Accepted limited complications are explicitly listed in your PDS.

Pregnancy Cover Within Australia: Our domestic policies do not cover any medical expenses incurred within Australia. This includes medical costs related to pregnancy. However, if you have purchased a policy that includes cancellation cover, you will be covered for cancellation due to a complication of pregnancy.

Cancelling Holiday Due To Zika Virus: As the Zika virus is now a known event, if you decide to cancel your trip as a result of this, you will not be covered.

travel

 

Travel insurance for Non-Australian Resident

Submitted by webellian on Fri, 11/10/2023 - 09:43
Travel insurance for Non-Australian Resident

If you’re living in Australia as a non-resident, you may be able to purchase our affordable and comprehensive travel insurance policies should you wish to travel overseas or domestically.

With our travel insurance policies, you’ll be backed by an expansive 24/7 assistance network with over 31,500 points of assistance across all continents.

Insure&Go is a multiple award winning travel insurance company, covering 1.6 million people annually.

 

Eligibility Requirements for Non-Australian Resident Travel Insurance

  • Non-Australian residents must have either a valid Medicare card, private health fund, or overseas student travel insurance in Australia. This must remain valid for the entire duration of your holiday.
  • Your current Australian visa must remain valid beyond the period of your journey.
  • Your trip must start in Australia.
  • You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so email us and find out.
  • Unfortunately, we do not offer any insurance for inbound travellers coming to Australia.
  • You are covered for travelling to your home country even if it’s one way as long as it’s not one of our excluded countries.
Most Common Questions
Do you cover pre-existing medical conditions?

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.

My relatives are coming to Australia, can they get insurance with you?

Unfortunately, we do not offer any insurance for any inbound travellers coming to Australia.

Do you cover flight delays after departure?

Under the InsureandGo 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 more information.

Do you cover non-australian residents?

Our policy can cover non-australian residents who have a valid Medicare, private health insurance or overseas student travel insurance in Australia which must be valid for the entire duration of your holiday. The Australian Government has certain agreements with countries around the world, called the Reciprocal Health Care Agreements (RHCA). If your country of residence is a part of this agreement then you can receive Medicare benefits.

I am overseas right now – can I buy, change or upgrade a policy?

You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.

How do I cancel my policy?

With our policies, you will be entitled to a full refund of the premium paid if you cancel this within 14 days of purchasing your policy. Please note that we do not offer any refunds on policies outside the cooling-off period.

Why Travel With Us?
All pre-existing conditions considered
Unlimited overseas medical expenses
Unlimited cover
Unlimited cancellation cover in our Gold Policy^
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24 hour emergency assistance
All pre-existing conditions considered
All medical conditions considered online or over the phone
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No upfront medical certificates required upon application
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14 day cooling off period
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Travel insurance for Non-Australian Resident

**Children (including fostered or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. No cover is available for children who are born overseas during your trip.

Why Purchase Non-Australian Resident Travel Insurance in Australia vs. Insurance from Your Home Country?

In most of the cases, you are restricted to purchasing travel insurance from the country you are currently living in. That means if you are currently living in Australia as a non-australian resident, then you can consider Insure&Go travel insurance policy in Australia.

Benefits of InsureandGo Policies

Our non-Australian resident travel insurance provides the same benefits to all customers regardless of residency as long as they meet the required criteria. Just some of the benefits include (depending on the level of cover):

  • Trip cancellation
  • Unlimited overseas medical expenses
  • Emergency medical evacuation
  • Flight cancellation and coverage for destruction of destination from natural disaster (with natural disaster cover option)
  • Trip interruption
  • Lost bags or personal belongings

Additional coverage options:

  • Winter sports cover
  • Adventure sports cover

Our policies consider all pre-existing conditions, which are any conditions for which you have received medical advice, treatment or medication in the last five years. To see if we cover your pre-existing condition, please complete our medical assessment online or over the phone. Please note, that failing to declare a pre-existing condition can void your policy.

Other Reasons to Choose Insure&Go :

  • The broad range of travel insurance policy options
  • Different levels of cover to choose from
  • Policy upgrades and excess options available to tailor your policy – our standard excess amount is $100 but you can choose to remove or double this amount through the purchase process
  • Quick and easy to buy your policy online
  • Friendly and efficient customer service
  • Cover for dependent children travelling with you on single or family policies at no extra cost**
  • 90 sports and adventure activities automatically covered for FREE
  • Fast, hassle-free claims process
  • 24-hour emergency medical assistance line
travel

 

Travel Insurance for Pre-existing Medical Conditions | InsureandGo Australia

Submitted by webellian on Fri, 11/10/2023 - 09:36
Travel Insurance for pre-existing Medical Conditions

We know not all of us can enjoy perfect health, and that many travellers may currently have medical conditions. That’s why, as part of our award-winning cover, we consider all pre-existing medical conditions for possible cover, subject to approval, and provide you with competitively priced travel insurance for pre-existing medical conditions to protect your holiday.

What is a pre-existing medical condition?

A pre-existing medical condition is any diagnosed issue. This is something you or an insured person has had in the last 5 years. It includes any medical advice, treatment, or medication received for that condition.

You must declare it because it is part of your medical history. This is true even if your condition is under control with medication, inactive, or treated. 

Acceptance of a pre-existing medical condition will depend on each traveller’s individual situation and many conditions may even be covered free of charge.

Our quick and easy online questionnaire can determine instantly whether your pre-existing condition can be covered with no need for upfront medical assessments or certificates when you purchase.

To obtain a quote online, simply fill in the quote box above. This allows you to compare our products and quotes.

The last part you’ll see is the medical screening section, which only takes a few minutes to fill in online. While declaring the condition you may be asked simple questions about it such as treatments you’ve received, your age when the condition began, medications you’ve taken, or recent episodes of your condition. Answering these questions carefully and honestly will determine if your condition can be covered.

Most Common Questions
Do you cover pre-existing medical conditions?

Yes, we consider all pre-existing medical conditions in all of our travel insurance products, except for our Domestic Travel Insurance. To determine whether your condition will be covered, you will need to complete the Medical Assessment during the purchase process online or over the phone.

Do you provide cover for a diabetic condition?

Every medical situation is different, so this is not one of those yes or no questions. However you are able to declare your diabetic condition through our medical screening tool, which is available online (when you get a quote) or over the phone, and don’t worry, no medical certification is required. Your diabetic condition may be covered, may not be covered, or require an additional fee to cover. Don’t forget you can contact us if you have any doubts, or if you simply need our consultant to help you with the process. Read the PDS before making any decision.

Do you provide cover for existing mental condition?

To find out whether your mental condition is covered, you need to complete our Medical Assessment online or over the phone with our Customer Services Team on 1300 552 701

I have an elderly parent, am I covered if I have to cancel my trip due something happening to my parents?

With our Silver and Gold policies, we do offer cover for cancelling your trip prior to departure due to the unforeseeable accident, illness or injury of one of your parents. Your parents must live in Australia and be in Australia at the time and this cover does not include any cover for pre-existing medical conditions of non-travelling relatives.

Do you cover flight delays after departure?

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 more information

I have pre-existing medical conditions. Can I get cover for these on my policy too?

InsureandGo does not automatically include cover for any pre-existing medical conditions. All conditions can be considered via a medical questionnaire that you can either complete online or through the call centre. Please contact us if you would like to complete the questionnaire over the phone.

I already have a policy but I've recently been diagnosed with a new medical condition. What do I do?

If you already have a policy^ and there has been a change in your medical status, you need to inform InsureandGo via email or speak to our Customer Services Team on 1300 552 701 before you travel. Please keep in mind we have the right to change the conditions of your policy^ in line with the change of risk and depending on your condition. We may include or decline the cover, or charge an extra cost.

Is there a Senior’s travel insurance policy I need to purchase?

No. Simply select the trip type that best describes your journey.

Does your insurance cover damage to a rental car?

Our Gold policies cover your rental car excess up to $8,000 for International policies and up to $7,500 on Domestic policies. However, you need to make sure that the rental car is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess. Please note, that motorbikes are excluded.

Do you cover osteoporosis?

Pre-existing conditions are not automatically covered unless declared and accepted by us. You need to disclose all conditions for which you have taken advice, treatments or medications in the last 5 years. To do this you need to go through a medical questionnaire. The process can be completed on the website or over the phone. You need to list all the conditions and answer the questions. Depending on your response we may offer or decline the cover.

Why Travel With Us with Existing Conditions?
Cover up to 100 years of age
Cover up to 100 years young Cruise and Bare Essential Policies cover up to 79 years of age)
Unlimited cover
Unlimited cancellation cover in our Gold Policy^
Quick and easy online claims process
No upfront medical certificates required upon application
All pre-existing conditions considered
Baggage cover up to $15,000 on Gold Policies Sublimits apply
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All pre-existing conditions considered
All pre-existing conditions considered
Unlimited overseas medical expenses
Quick and easy online claims process
No upfront medical certificates/assessments
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Travel Insurance for pre-existing Medical Conditions

Pregnancy and Travel

Travelling with extra special cargo on your next holiday? Great news, travel insurance cover from InsureandGo includes pregnancy cover. Insure&Go gives you cover up until your 30th week for single-child pregnancy and until your 20th week for multiple-child pregnancies. Please note pregnancy doesn’t have to be declared in our medical questionnaire unless you are experiencing pregnancy complications.

We cover the expenses of the birth for 30 weeks (single babies) and 20 weeks (multiple babies). We also cover certain pregnancy-related complications (listed in our product disclosure statement) for up to 30th weeks.

Unfortunately, at this stage we do not cover neo-natal care, so please keep this in mind if you choose to travel while pregnant.

Pre-Existing Medical Condition Not Covered?

We aim to cover as many pre-existing medical conditions as possible. However, in the unfortunate circumstance, your condition does not qualify, you can still purchase travel insurance.

Refusal of coverage for your condition will only void claims that arise from your refused pre-existing condition. You will still be covered for any medical claims that are unrelated to your refused pre-existing medical condition as well as all the usual benefits of our travel insurance policies. These benefits include baggage cover up to $15,000, travel delay expense cover up to $3,000, and trip cancellation cover (Available on Silver and Gold levels).

Please be aware medical expenses are not covered when travelling within Australia (Onshore).

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Ski Insurance and Winter Sports Travel Insurance - InsureandGo Australia

Submitted by webellian on Fri, 11/10/2023 - 09:08
Winter Sports Travel Insurance Winter Sports Travel Insurance

InsureandGo provides cover for fourteen types of Winter Sports activities, and even things like ski gear, passes and avalanche cover.

We do not automatically cover winter sports in our policies, as that would drive up our prices, and we aim to keep our premiums as affordable as possible. Instead, we offer the option of adding winter sports insurance, at a competitive rate. There are limits and exclusions, so please check the product disclosure statement and search for key words (ctrl+F).

Most Common Questions
Do you cover me if the slopes don’t open?

If all the lift systems are closed at your pre-booked resort for more than 12 hours while you are there, as a result of snow or high winds, then yes, you are covered

Read the Product Disclosure Statement for more information.

Do you cover snowboarding?

Yes, if you add Winter Sports Cover to your policy, you are covered for medical expenses related to snowboarding. This is inclusive of permanent disablement or personal liability for this activity (Heliskiing excluded). 

Read the Product Disclosure Statement for more information.

Do you cover my equipment if gets damaged?

With winter sports cover, items such as ski, poles, ski boots and bindings, ski helmets, snowboards and bindings are covered up to up to $600 per item/set, up to $1250 in total. We don’t cover equipment that’s damaged while in use.

Read the Product Disclosure Statement for more information.

Does having the winter sports cover, cover me for anything that can go wrong on my trip related to winter sports?

Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement (or search [ctrl+F] for key words to check limits and exclusions) to see if our product is right for you.

Read the Product Disclosure Statement for more information.

If I don’t pay the additional premium am I covered for medical expenses?

You will need to add the winter sports cover option to be covered for medical expenses you may incur as a result of participating in winter sports activities.

Read the Product Disclosure Statement for more information.

Do you cover off-piste skiing?

Yes, off-piste skiing is covered provided you are with a professional snow sports instructor who has a backcountry and mountain safety qualification (mandatory for level 4 instructors).

Read the Product Disclosure Statement for more information.

Can I take out winter sports for domestic policies?

Yes, all the benefits apply, with the exception of medical benefits, which are covered by Medicare and private health insurance.

Read the Product Disclosure Statement for more information.

Why Travel With Us for a Winter Sports?
All pre-existing conditions considered
Medical evacuation from ski slopes
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Up to $600 cover for pre-booked ski packs and up to $500 for lift passes
Unlimited cover
Up to $1,250 cover for damage to your winter sports equipment
Quick and easy online claims process
14 Winter Sports activities covered
All pre-existing conditions considered
Unlimited overseas medical expenses
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24 hour emergency assistance
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Insure&Go is rated  4.0 from 6,625 reviews

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Winter Sports Travel Insurance

* Price derived from a single trip of 5 days, Individual, age 30, to New Zealand and Pacific Region. Cover for pre-existing medical may require an extra premium.

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