Family Travel Insurance

Family Travel Insurance Family Travel Insurance

Travelling with children in tow is an adventure full of priceless family bonding and memory-making. When considering children’s welfare on holidays, travel insurance can take on a completely new level of importance. We also understand that travelling with children is expensive enough, so if you’re planning to holiday with your children or grandchildren (who are under 18), we cover them at the same level of cover as you (except a lower compensation limit in the event of death) at no extra charge*.

If you travel as a couple, then you are entitled to a travel insurance discount of 10% (automatically calculated during the purchase process). Make sure you select ‘couple or family’ to take advantage of your discount. We define a ‘couple’ as two people over the age of 18 who live together at the time of purchasing the insurance and are either: husband and wife or fiancé and fiancée or de-facto partners of either sex.

When selecting travelling as a family, please keep in mind that all family members must leave and return to Australia together.

Most Common Questions

Is there a Family travel insurance policy I need to purchase?

Simply select ‘Family’ in the quote box and you will be able to add all members. Then select the trip type that best describes your journey.

My child turns 18 while we’re overseas, does cover stop for them if they don’t have their own policy?

The age of the dependent child is determined at the point of purchase, not travel. This means, that even if the child turns 18 the day after purchasing a policy, he/she is still covered for free as a dependant with the same level of coverage as the primary policyholder.

Is a couple two family members travelling together?

We define ‘couple’ the same way that it is defined in Australian law: either two people who are married to each other, or two people in a de facto relationship who have been living together for six months or longer.

Do you cover nieces and nephews for free on the same policy?

The Family/Couple traveller option is only valid for parents and grandparents and their dependent children (under 18) travelling together. If this is not the case, you are welcome to be on the same policy, however, you will need to select the Individuals option.

If we are not leaving together can we still be covered under the same policy?

In order for everyone to be covered under the same policy, all parties need to be leaving and returning to Australia together, and spending at least 50% of the trip together. If this is not the case, you will need to have separate policies for these dates. Children need to be supervised by an adult during the trip.

How many children can I insure on my travel insurance policy?

You may cover an unlimited number of dependent children* on your travel insurance policy at no additional premium cost if you have selected the Single or Family Cover Policy Type. The Couple Cover Policy Type does not provide any cover for dependent children. Note - “dependent children” is defined as “Your financially dependent children or grandchildren (including fostered or adopted children or grandchildren) who are under 18 years of age and who are named on the Policy Schedule.”

Why Travel With Us for a Family Trip?

Unlimited overseas medical expenses

Pregnancy cover for up to 30 weeks

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

Unlimited dependent children up to the age of 18 insured for free*

Award winning travel insurance company

24 hour emergency assistance

Insure&Go is rated 4.0 from 6,042 reviews

Family Travel Insurance

Read more about Family Travel Insurance

*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.

One of the best reasons to purchase your family travel insurance through Insure&Go is the fact we allow you to include unlimited dependent children or grandchildren up to the age of 18 on your policy free of charge*.

Insure&Go offers affordable and comprehensive travel insurance policies. With Insure&Go you’ll be backed by an industry leader that offers an expansive 24/7 global assistance network. We offer 3 levels of cover to choose from, allowing you and your family to select the coverage that best suits your needs.

We also offer a range of policy upgrades that can help provide coverage for winter sports, business, golf and natural disasters.

If you’re expecting a child, Insure&Go also offers travel insurance for pregnant mothers. This provides coverage for pregnancies up to 30 weeks for single babies, and 20 weeks for multiples, regardless of whether you used IVF or not. Insure&Go makes it easy to obtain travel insurance for expectant mothers who wish to travel. Although our policies do not offer cover for babies born overseas, they do provide cover for medically certified pregnancy-related trip cancellations, like emergency childbirth coverage up to 30 weeks (single) and 20 weeks (multiples), and medical expenses for specific pregnancy-related complications depending on the level of cover you select.

Why buying a travel insurance policy is important for your family for an international trip.

Travel insurance for your family is especially important for international travel, as these holidays are often longer in duration and include a more complex itinerary. This often equates to a greater chance of travel disruptions occurring such as travel delays and lost bags or personal belongings.

Of course, one of the greatest benefits of international travel insurance is having coverage for unlimited overseas medical expenses and emergency medical evacuation. The cost of medical treatment can prove to be extremely costly in many countries.

Our international family travel insurance plans will once again cover your children or grandchildren at the same level of cover as you for no additional charge.

Why family travel insurance is important for domestic trips

Travel disruptions can also occur when travelling domestically. While you may think travelling throughout Australia is safer, flights can still be cancelled or delayed, accommodation can be affected by severe weather or natural disasters, luggage can be lost, and driving accidents can occur while driving a rented vehicle.

Insure&Go’s domestic travel insurance provides cover for families for a wide range of unfortunate travel incidents, such as needing to cancel your trip before departure (for qualifying reasons), cutting your trip short (for qualifying reasons), expenses incurred from travel delays, lost or stolen luggage, delayed luggage, personal liability, and rental car excess depending on the level of cover you select.

Common exclusions in travel insurance for your family

While we try to provide as much comprehensive coverage as possible for our family, there are a few exclusions to be aware of. We encourage our customers to read the Product Disclosure Statement (PDS) and Target Market Determination (TMD) that applies to your chosen type of policy.

You must be in Australia at the time of purchasing your travel insurance as we are unable to offer you new or different insurance while you already started your trip. You may, however, be eligible to extend the dates of your existing cover if you contact us during your travels.

These are certain instances where you may not be covered under your travel insurance during your travels:

Pre-existing medical conditions: Insure&Go considers all pre-existing medical conditions so long as they are reported at time of purchase. Failure to disclose any pre-existing medical conditions may void any claim relating to that condition.
Consumption of Alcohol: Claims that occur while you or a covered party is under the influence of alcohol or drugs will most likely be denied.
Government warnings: Check to make sure that any Australian Government foreign travel warnings won’t affect your travel insurance coverage.
Unattended belongings: You will not be covered for any personal luggage or belongings if you leave them unattended in a public place such as a beach.
Reporting incidents: Be sure to report any instance such as theft or loss of belongings within 24 hours to the appropriate authority or risk your claim being denied.
Non-included sports or activities: Engaging in sports or activities that are not covered may result in a claim being denied if it relates to one of the excluded activities. These activities include but are not limited to horse jumping, shark diving, kite surfing or paragliding. See our Product Disclosure Statement (PDS) for a full list of sports and activities, which are not covered. However, please keep in mind that more than 90 sports and activities are automatically covered in all our policies.

It is important to note that our domestic policies do NOT provide coverage for medical expenses incurred during your trip. You may find coverage through Medicare or your private health insurer. However, we do offer limited compensation for permanent disablement or death with our Silver and Gold policies.

Other exclusions include:

Changing your mind about a holiday and deciding you simply don’t wish to travel
Recovering costs that would not have been incurred had you notified the appropriate holiday company or tour operator as soon as you knew you had to cancel your trip.
You decide to travel against the advice of your doctor.
Claims arising from an event where you were involved in any deliberate, malicious, reckless, illegal or criminal act.

Remember that in order to gain coverage for things like winter sports, business, or natural disasters. You must purchase the appropriate Insure&Go insurance upgrade option and the upgrade option must be shown on your policy schedule.

How to buy travel insurance for a group

Travel insurance policies for a group differ from family policies in that travellers don’t need to be related to one another to be included in the same policy. You may want to look into a policy for a group if you will be travelling with a number of adults.

All members of a policy bought as a group must simply be travelling together and not be booked on separate flights. A policy for a group is a great option when a single policy and its level of cover are ideally suited to all those listed on the policy.

Our best travel tips for families

Create an itinerary that includes the interests of each family member.
Get your kids involved with the holiday planning process to gain insight into what they might like to experience.
Make sure your itinerary is flexible when travelling with children. Don’t pack too much into an itinerary, as it can be difficult to stick to a tight schedule when you need to manage more people.
Allow your kids to help pack for their holidays so they can choose clothes and other items they are comfortable with.
Choose safe, family-friendly destinations.
Try to limit the number of hotels you stay in during your holiday, since the check-in/check-out process along with frequent packing and unpacking can be stressful for travelling families.
It’s important for younger kids to stick to their normal routine while travelling. This means planning meals and bedtimes around the same times as back home.
Because travelling with kids can be expensive, limit the number of paid excursions and seek out fun free activities on offer in your chosen destination.
Consider booking accommodation with cooking facilities to limit the need to eat out at restaurants and reduce your travel food expenses.
Always carry a change of clothes for your children on plane flights in case of spills or accidents.
Be sure to pre-book a bassinet on long-haul flights for infants if needed, since there are generally a limited number available.
Book accommodation that has separate rooms or sleeping areas so that everyone enjoys a proper night’s sleep and you can more easily vary everyone’s sleep and wake times.
Always inquire whether child discounts are available while travelling.
Be sure to carry snacks for the entire family while exploring destinations.
Provide your kids with contact information in case they get lost and plan a meeting place if your family becomes inadvertently split up.
Be sure to carry all medications and toiletries your children may require during your travels.

Cruise Travel Insurance | InsureandGo Australia

Cruise Travel Insurance

With our tailored Cruise Travel Insurance, cruisers get all the benefits of the Single Trip policy^, plus additional inclusions that are unique to cruising, such as reimbursements for certain necessary additional expenses due to a ship delay.

But you shouldn’t just take our word for it. We’ve won over 20 awards and recommendations from comparison services and consumer advocacy groups in the last 10 years.

Our products have been recognised by Canstar in 2013, 2014, 2015, 2019, 2022, 2023 and 2024. Recently, we won the Canstar Award for “Outstanding Value - International Travel Insurance", for the 2nd consecutive year and "Outstanding Value - Seniors Travel Insurance”, for the 3rd consecutive year.

In 2024, we received the Finder 2024 Award for “Trusted Brand - Travel Insurance”, and the WeMoney 2024 Award for “Best for Seniors Travel Insurance”. Find out more here.

Our insurance policy^ is available in three levels of cover; Bare Essentials, Silver and Gold, so you can choose coverage that suits your needs. All levels of cover provide you with access to an expansive global 24/7 emergency assistance network, with over 31,000 points of assistance across all continents and an easy online claims process.

Most Common Questions

If I get a cruise policy, will I be covered for anything else other than my time on the cruise?

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.

If I am taking a domestic cruise, will I be covered for medical expenses?

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 cruise ship is tied up in an Australian port.

Do I have to purchase a cruise policy if I'm cruising on my own boat?

If you are sailing then you do not require our cruise policy^. Instead, you may select the international single trip or our Annual Multi-Trip policy^, which will only cover you for necessary and reasonable medical expenses whilst on your own personal boat. However, Insure&Go does not provide cover if you are racing or if you sail outside territorial waters.

What is the difference between missed port and missed cruise departure?

Missed Port: If your cruise does not port at certain docks during your trip due to adverse weather restrictions or mechanical break-down, Silver and Gold Cruise policy^ customers will be reimbursed up to the amount shown in the table of benefits in the PDS.

Missed Cruise Departure: If you missed the scheduled departure of your pre-booked cruise from Australia due to reasons detailed on page 25 of the Cruise travel insurance PDS, Silver and Gold Cruise travel insurance policyholders will be paid up to the amount shown in the Table of benefits. You will be reimbursed for reasonable and necessary additional accommodation and 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.

What does the Cruise option cover?

Insure&Go’s Cruise option covers a single return journey, ranging from 3 to 365 days, that departs from Australia and includes travel on ships or other sea vessels.

This option covers you for the land, air, and cruise parts of your journey, so you don’t need a single trip and a cruise policy if your whole trip or part of your trip involves any travel by cruise ship.

What does InsureandGo consider as a commercial cruise ship?

We consider a commercial cruise any sea, ocean or river travel conducted by a commercially operated cruise ship, boat or other sea vessel, with a scheduled journey time longer than 2 hours.

What happens if my baggage and personal belongings gets stolen or is lost before boarding the cruise?

If you are an Insure&Go Cruise policyholder and you have lost your baggage, or it gets stolen before boarding your cruise, we will pay for items that accompanied you for your individual and personal use during your trip whilst in Australia prior to boarding your cruise.

For cruises that leave a port in Australia, this cover commences after you leave your home address and a maximum of 72 hours prior to your Cruise departing your first Australian port, as stated on your itinerary.

What do I do if I get sick on board?

If you are an Insure&Go 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.

Will I be covered for medical expenses if I'm going on a helicopter?

All our international policies provide cover for medical expenses due to an unforeseen accident, illness or injury whilst going on a helicopter. However, you need to ensure that the helicopter ride is with a commercial operator, is available to the general public, not considered an extreme risk and does not require special skills or a high level of fitness to undertake.

Please keep in mind that personal accident or personal liability cover is not available for this activity. Please refer to the policy wording documents for more information.

Am I covered for any onshore activities or excursions?

We automatically include coverage for more than 90 sports and activities. To check whether your intended activities are covered please refer to pages 46 – 48 in our Cruise travel insurance PDS.

If you cannot find your activity, don’t worry, if the activity meets the following criteria, it will be covered:

The activity is not part of a competition or tournament.
The activity is not on a professional basis.
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)
The activity is not listed under the Table of excluded sports and activities, which can be found on page 50 in the Cruise travel insurance PDS.

What happens if I miss the departure of my cruise due to transportation taken to the port?

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.

Will Medicare cover me for a cruise in Australia?

No, Medicare does not provide coverage for medical treatment on cruises within Australian waters. Once your ship departs, Medicare benefits do not apply. It is crucial to purchase travel insurance that includes coverage for cruises to ensure you're protected.

Am I covered if I get sick on shore during an excursion?

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.

Why Travel With Us for a Cruise Trip?

Missed cruise departure

Cabin confinement for medical reasons (with med cert.)

Cruise delays

14 day cooling-off period

Missed port cover for Silver and Gold levels of cover

2 Million Aussie Travellers

Covered so far

24-hour Global Emergency

Assistance Network

2024 Winner of Finder Award

'Trusted Brand'

Cruise Travel Insurance

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Read more about Cruise Travel Insurance | InsureandGo Australia

Cruise Travel Insurance Benefits:

Trip Cancellation Before Departure: If it is necessary and unavoidable to cancel your cruise ship, we will pay certain unrecoverable travel costs and expenses. This is available in our Cruise Insurance Silver and Gold levels of cover, and you should consider purchasing cover as soon as you book your cruise holiday, in case of cancellation.
Missed Departure: Should you miss the scheduled departure of your pre-booked ship from Australia due to certain events, we will cover you for certain reasonable and necessary additional travelling expenses to continue with your original itinerary.
Medical Expenses: We offer unlimited cover for necessary and reasonable medical expenses on board and onshore (outside of Australia) such as medical, surgical, hospital treatment and ambulance.
Missed Port Cover: If your river cruise or cruise ship never docks at a port during a trip due to adverse weather restrictions or mechanical breakdown, we will pay for each scheduled missed port. This is available in the Silver and Gold policies.
Personal Belongings & Baggage: We provide coverage if your personal belongings are lost, stolen or damaged during your cruise, or up to 72 hours prior to your cruise departure in Australia. Sublimits apply.
Reimbursements for Shore Excursions: If it is necessary and unavoidable for your cruise to be cancelled or cut short, you may be covered for certain costs, subject to the level of cover selected.
Cabin Confinement: If you are confined to your cabin due to medical reasons as advised by a ship medical officer, Insure&Go will pay $75 for every 24 hours a passenger is confined up to the defined amount outlined in the table of benefits in our Silver and Gold cruise policies.
Delays: We will reimburse the cost of your necessary additional meals and accommodation expenses if during a trip your departure by sea vessel is delayed for more than 12 hours. This cover is available in our Silver and Gold policies, and you will be reimbursed for each complete 12-hour period you are delayed. Limits and sublimits may apply.
Emergency Medical Transportation: We provide certain cover (outlined in the policy wording) for passengers if they require urgent transportation to a medical facility or need to return home for emergency treatment.

These benefits are a summary, so please see our Product Disclosure Statement or PDS for full terms & conditions

Which Destination to Select for Your Cruise Journey:

Cruise Travel Insurance Countries Covered
Destination	Countries covered
Pacific	The South Pacific: American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Papua New Guinea.
Worldwide*** excluding North and South America and Antarctica	Worldwide excluding USA, Canada, Mexico, Caribbean, Central & South America and Antarctica.
Worldwide*** including North and South America and Antarctica	Worldwide including USA, Canada, Mexico, Caribbean, Central & South America and Antarctica (cruises only).
Asia	Bangladesh, Brunei, Cambodia, China, Hong Kong, India, Indonesia, Japan, Laos, Malaysia, Maldives, Nepal, Philippines, Singapore, South Korea, Sri Lanka, Taiwan, Thailand and Vietnam only.
Domestic	Domestic cruises within Australian Territorial waters or International waters, providing you do not stop at any International port.
Pacific and Domestic	Cruises that include any Pacific destination, New Zealand or Bali and docks at any Australian port after departure.
Asia and Domestic	Cruises that include any Asia destination and docks at any Australian port after departure.

PLEASE NOTE that we do not cover any claims directly or indirectly related to travelling through, from and to the following countries:

Afghanistan, Belarus, Central African Republic, Congo (Democratic Republic of the), Crimea, Zaporizhzhia, Kherson, Donetsk and Luhansk People's Region, Cuba, Guinea-Bissau, Haiti, Iran (Islamic Republic of), Iraq, Korea (Democratic People's Republic of), Lebanon, Libya, Mali, Myanmar, Russian Federation, Somalia, South Sudan, Sudan, Syrian Arab Republic, Ukraine, Venezuela (Bolivarian Republic of), and Yemen.

Domestic Travel Insurance | InsureandGo Australia

Domestic Travel Insurance Domestic Travel Insurance

Our Domestic Travel Insurance policy provides comprehensive cover for an affordable price. With different levels of cover to choose from, it is quick and easy to buy your policy online, and if you are travelling as a family, we cover all children under 18 at no extra cost**.

There are 40 sports and adventure activities automatically covered free (like bungee jumping and water skiing), note that we do not provide coverage for medical expenses incurred while engaging in any sports activities. A wide range of policy upgrades and excess options are available so you can tailor your policy. Our standard excess amount is $100 but you can choose to remove or double this amount through the purchase process.

In 2024, we received the Finder 2024 Award for “Trusted Brand - Travel Insurance”, and the WeMoney 2024 Award for “Best for Seniors Travel Insurance”. Find out more here.

Why Domestic Travel Insurance is important

Travel disruptions can happen whether you’re planning a trip to Paris or Perth. While you may feel safer here at home in Australia, flights can be cancelled or delayed.

Severe weather or natural disasters can affect your accommodation. Luggage can be lost, and, if driving, accidents can occur while driving a rented vehicle. Purchasing a travel insurance policy may help you avoid large out-of-pocket costs, which might arise due to unexpected incidents on your domestic plan.

Domestic travel insurance covers many travel problems and helps you get your holiday back on track quickly. Often, our trips within Australia can cost as much as international ones. So, it is smart to get domestic travel insurance. This is true whether you are planning an Outback adventure to the Red Centre or visiting places like Norfolk Island.

Most Common Questions

Why do I need cover for domestic trips?

Our Insurance helps you cover cancelling trips before departure, cutting your trip short, rental car excess waiver, and special events, among other things, depending on your level of cover. Please go through the PDS or Product Disclosure Statement for more information.

Does your insurance cover damage to a rental car?

Our Silver and Gold policies cover your rental car excess with a maximum limit of $7,500 available in domestic policies. However, you need to make sure that the rental car is insured, as we do not pay for full damages to a rental car, only your excess. Please note, that motorbikes are excluded.

Do you cover sports and activities?

There are 40 sports and adventure activities where accidental death and permanent disability are automatically covered free, however, to have cover for any winter sports activity you must have purchased this option and the option must be shown on your policy schedule. Please note there is no cover for medical expenses incurred whilst you are undertaking any of the covered sports activities. For more information, please go through the PDS or the Product Disclosure Statement.

I’m taking out the top cover, am I covered for anything that can go wrong on my trip?

Our premiums would be astronomical if we did that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our Product Disclosure Statement to see if our product is right for you.

Do you cover pre-existing medical conditions for domestic policies?

We do not offer medical coverage on domestic policies as Medicare or private health insurers cover medical expenses in Australia.

Do you provide cover for a domestic cruise trip?

Yes, if you select a Cruise policy with your destination as Domestic. If you are going on a cruise within Australian territorial waters and would like to be covered for onboard Medical expenses and evacuation then you must choose either our Cruise Travel Insurance or our Annual Multi-Trip Travel Insurance. Please note no medical expenses are covered whilst on land in Australia.

Read the Product Disclosure Statement for more information.

What is the longest time do you cover for domestic trip?

For domestic trips, the maximum length of cover is 365 days.

Why Travel With Us for a Domestic Trip?

Baggage covered up to $8,000 with Gold policies

14 day cooling off period

Cancellation cover up to $50,000 with Gold policies

Travel delay cover up to $1,500 with Gold policies

Award winning travel insurance company

over for stolen cash up to $500 with Gold policies

Rental vehicle excess waiver cover up to $7,500 with Gold policies

Curtailment cover up to $25,000 (for Gold policies) which may include pre-paid hotel/ trips

Insure&Go is rated 4.0 from 6,625 reviews

2 Million Aussie Travellers

Covered so far

24-hour Global Emergency

Assistance Network

2024 Winner of Finder Award

'Trusted Brand'

Domestic Travel Insurance

Read more about Domestic Travel Insurance | InsureandGo Australia

**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.

What does a Domestic Travel Insurance policy cover?

Domestic travel insurance can cover you for a wide array of travel disruptions. The specific coverage and coverage amounts will be determined by what level of cover you select. At Insure&Go, you have the ability to choose between three different coverage levels which include our Bare Essentials, Silver, and Gold policies. Depending on the policy you choose, the following coverage may apply to you.

Please note: Not all our policies cover domestic travel. For example, the ‘One-trip’ and (when available) the ‘Annual Multi-trip’ policies do not cover domestic travel in Australia. Please ensure that you select the right policy/policies for your needs.

Cancelling your trip before departure: Should the need arise where you must cancel your holiday for one of our covered reasons, we can help to recover the costs associated with flights, accommodation, and pre-paid meals and activities. Covered reasons for needing a trip cancellation include events like the unforeseeable death or illness of a family member or travelling partner that resides in Australia, being called for jury duty, or an accident involving a vehicle you were planning to travel in.

Cutting your trip short: We may be able to provide coverage if you are deemed unfit to continue with your holiday by a doctor, or for an unforeseen tragedy such as a death or illness in the family which occurs during your trip. If your trip is cut short due to a natural disaster, you may also be covered if you have purchased our natural disaster travel insurance upgrade.

Resumption of your trip: Insure&Go can return you to the airport closest to the location where you had to cut your original trip short and cover the cost of the airfare necessary to resume your trip for certain covered circumstances.

Travel delay expenses: If a leg of your trip is delayed by more than 12 hours, you may be reimbursed for any necessary additional expenses such as meals and accommodation.

Personal belongings and baggage: If your personal effects are lost, stolen, or damaged during your trip, you may be covered for any such items so long as you aren’t careless in securing or protecting those items. Coverage amounts for personal belongings will vary depending on your level of coverage. You may also be covered for any personal money that is lost or stolen so long as you can provide proof of ownership.

Delayed baggage: If your luggage is delayed by more than 24 hours, we can help recover the costs associated with buying essential items to get you through until your bags arrive. Be sure to keep all documents from airlines that prove your bags were delayed for more than 24 hours and retain your receipts associated with any essential items you purchased. There is generally no coverage provided for delayed baggage if it occurs during your final journey home.

Personal liability: All three of Insure&Go’s policy coverage levels provide coverage for personal liability. This covers you in the event you become legally liable for accidentally injuring someone or damaging someone else’s property during your trip.

Rental car excess waiver: If your rented vehicle is involved in a motor vehicle accident while you are driving, or the vehicle is damaged or stolen, you may be reimbursed for the rental car insurance excess that is charged to you by the rental car company, subject to the level of cover selected and limits that apply.

Additional coverage that a domestic travel insurance policy may cover includes reimbursement for legal expenses and additional emergency expenses. You may also be covered for a wide range of sports and activities so long as they are not associated with a competition or tournament, you follow the necessary safety guidelines, and you make use of the recommended safety equipment.

Covered activities may include but are not limited to netball, cricket, snorkelling, cycling, and surfing. See our Domestic Travel Insurance Product Disclosure Statement (PDS) for a full list of covered sports and activities.

What does a domestic travel insurance policy NOT cover?

While Insure&Go’s domestic travel insurance policies provide a great deal of coverage for your Australian holidays, there are things that you won’t be covered for. Some coverage options are only available to certain levels of coverage such as with our Silver or Gold policies, while other situations may not be covered under any level of coverage. These are some of the situations where we may not be able to provide coverage for you.

Our policies do NOT provide coverage for medical expenses incurred during your trip. You may find coverage through Medicare or your private health insurer. However, we do offer limited compensation for permanent disablement or death with our Silver and Gold policies.

Changing your mind about a holiday and deciding you simply don’t wish to travel.

Recovering costs that would not have been incurred had you notified the appropriate holiday company or tour operator as soon as you knew you had to cancel your trip.

Engaging in sports or activities that are not covered, including but not limited to abseiling, shark diving, quad biking, or zip lining. Read our Product Disclosure Statement (PDS) for a full list of sports and activities that are generally not covered.

If you have certain pre-existing medical conditions that may give rise to a claim, or you are receiving or waiting for hospital tests or medical treatment for any condition or set of symptoms that have not been diagnosed.

You decide to travel against the advice of your doctor.

Claims arising from the use of a two-wheeled or three-wheeled motor vehicle.

Claims arising from an event where you were involved in any deliberate, malicious, reckless, illegal or criminal act.

Costs that you would have been expected to pay had the reason for the claim not occurred.

Claims where alcohol or drug use may have been a contributing factor for an event that led to the claim.

To gain coverage for things like winter sports, business, natural disasters, or cruises within Australia, you must purchase the appropriate Insure&Go insurance upgrade option. The upgrade option must be shown on your policy schedule.

Levels of domestic cover

Insure&Go offers three levels of domestic travel insurance cover, including our Bare Essential, Silver, and Gold policies. Be sure to read our Product Disclosure Statement, for more information and full details regarding each level of cover.

Domestic travel insurance for non-permanent residents

If you find yourself living in Australia as a non-permanent resident and need domestic travel insurance, you may be able eligible to purchase an Insure&Go domestic travel insurance policy. The benefits of an Insure&Go domestic travel insurance policy are the same for all customers regardless of their residency as long as they meet certain required criteria.

Non-permanent residents must have a valid Medicare card, private health fund, or overseas student travel insurance in Australia and it must remain 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 may be able to receive Medicare benefits.)
Your trip must begin in Australia and you must be in Australia at the time of purchasing your insurance policy.
We do not offer any insurance for inbound travellers coming to Australia.

Domestic Insurance Upgrades

In addition to the comprehensive coverage our domestic travel insurance policies already provide, you can enhance your coverage further by looking into and purchasing one of our available insurance upgrades. These are a few of our most popular domestic insurance upgrades.

Winter Sports Cover

If you plan on taking a winter holiday to one of Australia’s exciting ski resorts, we can help provide coverage for your winter sports activities. This can include coverage for personal winter sports equipment and hired equipment that is lost, stolen, or damaged during your trip. It can also help recover the costs resulting from the loss or theft of lift passes during your trip, or for any unused percentage of a ski package that you have already paid for and cannot get back if you become ill or are injured during your trip and cannot take part in the winter sports activities as planned. Note that we do not provide coverage for medical expenses incurred while engaging in winter sports activities.

Business Cover

Australian business travellers can benefit by purchasing our business coverage upgrade. This provides coverage for lost, stolen, or damaged business equipment during your trip. This includes coverage for reasonable emergency courier expenses that you need to pay to replace business equipment essential to your intended business due to loss, theft, or damage. You may also be covered should you need to hire business equipment in the event that your personal business equipment is delayed in reaching you during your trip on your outward journey or lost during your trip.

Golf Cover

Thinking of heading to Tasmania to play a round of golf at the beautiful Barnbougle Dunes Golf Links? Our golf cover upgrade can provide coverage for your personal golf equipment that is lost, stolen, or damaged during your trip. You may need to hire golf equipment in such cases, and this coverage can assist you with the costs of that as well. You also may be covered for the unused percentage of your green fees, golf tuition fees, or golf equipment hire which you have already paid for and cannot get back should you become ill or are injured during your trip and cannot take part in the golf activities as planned.

Natural Disaster Cover

Natural disasters often occur with little or no warning and they can severely affect your holiday plans. Purchasing our natural disaster coverage upgrade can offer you financial protection for your holidays in the event of a natural disaster such as a cyclone, flood, bushfire, or other extraordinary natural phenomenon. This coverage may allow you to recover some of the costs associated with cancelling your trip or cutting your trip short. Make sure you have your policy in place before a natural disaster occurs because once a natural disaster event has taken place; it will be too late to purchase this upgrade for your trip.

Domestic Cruises

If you’re planning on taking a domestic cruise around Australia, be sure to purchase one of our cruise policies and select the domestic option as your destination. Our standard domestic travel insurance does not cover medical and evacuation expenses incurred in Australia, so in order to be covered for onboard medical expenses and evacuation while cruising within Australian territorial waters then you must purchase Insure&Go cruise insurance. Cruise insurance can cover you for events such as missed port cover, reimbursements for shore excursions, cruise delays, and cabin confinement.

Travel Insurance Policy Wordings I InsureandGo

Travel Insurance policy wordings

To download

Find the type of Travel Insurance you obtained below and use the download links to view the Policy Wording document.

Please note that the PDSs below are the most up-to-date Product Disclosure Statement documents. In order to download the PDS which is applicable to your policy based on the date of purchase, log in to your account, and you will find the exact document.

Current PDS valid from 22/11/2024

Download the Target Market Determination Document – Annual Multi-Trip Policies - 14/08/2025

Download the Target Market Determination Document – Annual Multi-Trip Policies - 22/11/2024

Current PDS valid from 31/07/2024

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip Policies - 14/08/2025

Download the Target Market Determination Document – One-Trip Policies - 31/07/2024

Download the Target Market Determination Document – Cruise Policies

Previous PDS valid from 08/02/2023

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip Policies

Download the Target Market Determination Document – Cruise Policies

Previous PDS valid from 01/12/2022

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip Policies

Download the Target Market Determination Document – Cruise Policies

Previous PDS valid from 08/06/2022

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip Policies

Download the Target Market Determination Document – Cruise Policies

Previous PDS valid from 20/04/2022

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip Policies

Previous PDS valid from 15/02/2022

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip Policies

Existing PDS valid until 14/02/2022

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip Policies

Previous PDS valid until 31/1/2022

Download the Target Market Determination Document – Domestic Policies

Download the Target Market Determination Document – One-Trip Policies

Previous PDS valid until 14/11/2021

Download the Target Market Determination Document – Domestic Policies, valid until 14/11/2021

Previous PDS valid until 23/3/2020

To view our Policy Wording your computer requires Adobe Acrobat. If your computer does not yet have Adobe Acrobat installed then you can download it from Adobe.com

Read more about Travel Insurance Policy Wordings I InsureandGo

Compare Travel Insurance in Australia | InsureandGo

Compare Travel Insurance

Travel can be stressful but purchasing insurance doesn’t have to be. InsureandGo makes it easy to compare travel insurance

Travel insurance can be as basic or comprehensive as you’d like. We offer many affordable travel insurance options and policies that can be customised for you. We are sure you will find InsureandGo products both affordable and comprehensive.

But you shouldn’t just take our word for it. We’ve won over 20 awards and recommendations from comparison services and consumer advocacy groups in the last 10 years.

In 2024, we received the Finder 2024 Award for “Trusted Brand - Travel Insurance”, and the WeMoney 2024 Award for “Best for Seniors Travel Insurance”. Find out more here.

Most Common Questions

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 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, the death of a relative, an unknown natural disaster (if you have included this option in your policy), serious damage to a home in Australia and so on. In any such event, the insured can cancel and claim for the non-recoverable pre-booked expenses lost on the trip.

How to find the best travel insurance?

Finding the right travel insurance can be a bit of a journey, but it’s worth it! Start by looking at ratings and reviews to see which policies match your needs. Awards and recommendations from trusted consumer groups can also guide you. For more tips on choosing the best travel policy, read here to know more.

Do you cover the cost of vaccinations?

Depending on your specific needs, we can provide pre-trip advice such as what vaccinations are required and the local medical conditions at your destination (Page 7 of our Product Disclosure Statement or PDS).

For prescribed medications and maintenance and in case they get lost during a trip, this can be covered for as long as the medical condition related to these medications are declared.

As for preventive vaccination, we primarily advise to visit your GP and ask for options. Also, look out for the health section in Smarttravelers.gov.au to check out advice and medical precautions needs to be looked at depending on the country you chose to travel in.

How travel insurance for pregnancy works?

We automatically cover you for unlimited medical emergencies, hospital and surgical for the complications of pregnancy up to the 30 weeks (for one baby only). However, be advised that this policy is limited to the complications of pregnancy only. For a comprehensive list of what is and is not covered please refer to the Product Disclosure Statement.

I’m taking out the top cover, am I covered for anything that can go wrong on my trip?

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.

Why Travel With Us?

Unlimited overseas medical expenses

All medical conditions considered online or over the phone

Unlimited cancellation cover in our Gold Policy

24 hour emergency assistance

InsureandGo is rated 4.0 from 6,625 reviews

2 Million Aussie Travellers

Covered so far

24-hour Global Emergency

Assistance Network

2024 Winner of Finder Award

'Trusted Brand'

Compare Travel Insurance

Read more about Compare Travel Insurance in Australia | InsureandGo

¹ We have a range of policies (Bare Essentials, Silver and Gold) to fit every budget in the easiest and most efficient way possible. We provide policies to match your needs, without the extras you don’t have, making it easy for you to get the right cover for you.

Why Choose InsureandGo?

Our policies are designed to meet the unique needs of each traveller. Over 17 million travellers worldwide trust InsureandGo for their insurance needs. They know we offer 24/7 global assistance with over 31,500 support points on every continent.

It’s no surprise that we are an award-winning company. We cover 1.6 million people each year and are a leader in travel insurance in Australia.

When choosing a company for your needs:

First, make a checklist of the coverage you need. Think about the activities you plan to do. Also, decide how much coverage you will require in terms of the sum insured.
Next research the list of companies you have selected which offer the coverage you desire. Read their reviews, acknowledge awards received, and see how many travellers have chosen them as a provider.
Finally, choose a company that ticks all of your desired boxes at the most affordable rate. Make sure to read the Product Disclosure Statement or PDS. This will help you get the best deal. Also, consider any perks, promotions, or extras a company offers to win your business.

It can be hard to compare travel insurance companies. However, here are some reasons our customers choose us. They also recommend InsureandGo to others:

A broad range of policy options
Three different levels of cover to choose from
Numerous policy upgrades and excess options available to tailor-make your policy
Quick and easy to buy travel insurance online
No hidden fees
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
With our new online claims platform, lodging a claim has never been easier. We provide phone and email support to help you file a claim. You can get assistance from the comfort of your home.
24-hour emergency medical assistance line

Selecting, Comparing & Purchasing an InsureandGo Policy

InsureandGo has made selecting and purchasing your policy easy with minimal steps.

Wondering how the process works?

Quote Box

Fill in your trip details in the quote box above.

Comparison Table

Select your level of cover: Bare essentials, Silver, or Gold.

Personal Details

Fill in your contact details.

Summary & Payment

Add pre-existing medical conditions, Natural Disaster Cover (if you want), review your policy summary, and submit payment (credit card or PayPal).

Compare from Three Levels of Cover

We offer three levels of cover for our policies including:

Bare Essentials
Silver
Gold

The benefits and sum insured vary with each level of cover, and each level has a different premium. Our three levels of cover let travellers choose a policy that fits their budget and needs. Keep in mind that our Gold Coverage option offers the most complete and comprehensive protection. This gives you the best peace of mind while you travel.

Below you’ll find our Policy Comparison Table. We’ve made comparing our three levels of covers as straightforward as possible, so you can decide which cover is best for you.

Compare from Three Levels of Travel Insurance Cover
Benefits	International
	Bare Essentials	Silver	Gold
Medical Screening*	Y	Y	Y
Cruise cover*	N	N	N
Cancellation*	N	$15,000	Unlimited
Medical expenses*	Unlimited	Unlimited	Unlimited
Excess*	$100	$100	$100
Emergency expenses*	$5,000	$15,000	Unlimited
Personal liability*	$1,500,000	$2,500,000	$5,000,000
Travel delay expenses*	N	$1,000	$3,000
Curtailment*	N	$15,000	Unlimited
Baggage*	$2,000	$6,000	$15,000
Delayed baggage*	N	$500	$750
Electronic devices*	N	$2,000	$3,000
Valuables*	N	$500	$750
Hospital cash allowance*	N	$2,500	$5,000
Passport and docs*	N	$2,500	$5,000
Personal accident*	N	$37,500	$50,000
Legal expenses*	N	$10,000	$25,000
Money*	N	$250	$500
Hijack*	N	N	$2,500
Pet care*	N	N	$600
Journey Resumption*	N	N	$3,000
Loss of Income*	N	$5,200	$10,400
Rental car excess waiver*	N	$4,000	$8,000
Winter Sports Cover*	O	O	O
Business Cover*	O	O	O
Golf Cover*	O	O	O

Y – Yes, N – No, O – Optional

Cheap Travel Insurance | InsureandGo Australia

Cheap Travel Insurance Cheap Travel Insurance

Safeguarding your expensive holidays doesn’t have to be costly. There are good ways to get budget travel insurance cover. This can save you a lot of money in case of an unexpected event.

We have been in the market for over 10 years, and deliver what we promise. We have a range of polices to fit every budget in the easiest and most efficient way possible. We cut all the jargon out, making it easy for you to get the cover you need. Refer to our product disclosure statement for detailed information on our policies.

In 2024, we received the Finder 2024 Award for “Trusted Brand - Travel Insurance”, and the WeMoney 2024 Award for “Best for Seniors Travel Insurance”. You can also check out external review sites like Product Review and Feefo for unbiased customer feedback.

Most Common Questions

What does ‘excess’ mean?

Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim.

You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.

Are my details secured if I purchase online?

Yes, all your personal and payment details are encrypted before they are transmitted so your information is safe from prying eyes. This can be confirmed by the appearance of a padlock icon which can be found either in the address bar or on the status bar of your Internet browser.

How can I find the best cheap travel insurance?

The best cheap travel insurance can be found by comparing different providers and looking for promotional offers. InsureandGo is a popular choice, offering discounts for couples and free coverage for children. Make sure to read the product disclosure statement to ensure the policy meets your needs.

Do you provide insurance for non-permanent residents of Australia?

Yes,as long as you have either Medicare, a Private Health Fund or Overseas Student Travel Insurance

Do you cover one way trip?

Yes, we do offer One-Way trip cover. This means we will cover you from the time you leave Australia until 24hrs after you leave customs at your final destination country.

In what circumstances I can cancel the policy?

You can cancel the policy and obtain a full refund if you cancel within the 14 day cooling off period provided you have not departed for your journey nor have you made any claims on this policy.

I’m taking out the top cover, am I covered for anything that can go wrong on my trip?

Am I covered if I have to cancel my trip because I got 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.

Why Travel With Us?

Unlimited overseas medical expenses

All medical conditions considered online or over the phone

Unlimited dependent children up to the age of 18 insured for free**

InsureandGo is rated 4.0 from 6,625 reviews

Cheap Travel Insurance

Read more about Cheap Travel Insurance | InsureandGo Australia

**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.

Low Cost Insurance Basics & Tips

Insure just the things you need by choosing a policy that will cover you for expenses you believe you may need most. Although a comprehensive policy is always advisable, there are basic options that may suit your budget better. Use our travel insurance quotes to find the best option for you.
Don’t go it alone. Purchasing plans as a couple or family can be a cost effective way to acquire cheap travel insurance¹ rather than buying single policies. Why?
- If you travel as a couple, you can get a 10% discount on travel insurance. This discount is available when you book through InsureandGo.
- We understand that travelling with children can be expensive. That’s why we cover your dependent children up to 18 years of age. They receive the same level of coverage as you, and there is no extra charge**. Our travel insurance includes cover for luggage and personal effects, ensuring peace of mind while travelling.

Choosing the Right Excess for You

Increasing your excess can save you even more. You can lower your premium by increasing the excess limit on your cover.

On our compare policy page you can “double” your excess to reduce the cost of the policy. Excess is the contribution you are required to pay towards a claim you make on your travel insurance policy. So keep in mind, that in the event of something going wrong, you’ll need to pay excess per person per claim. Find more info about excess here.

Motorcycling travel insurance - InsureandGo Australia

Motorcycling Travel Insurance Motorcycling Travel Insurance

It does not matter the engine size, we believe that if you are a safe legal driver you should be able to experience the world on two wheels no matter where you are. Of course, you need to stay safe, so wear a crash helmet at all times (or you risk a possible claim being denied), and be aware that different excesses are applicable in the event of claim depending upon the engine size (for 125cc or under excess is $250; over 125cc excess payable is $500). For more info on excess, scroll down to our FAQs. Also something to take note of is that there is no cover for personal accident and personal liability for this activity.

This cover is not available with domestic policies and applies to international policies only.

Most Common Questions

What does ‘excess’ mean?

Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim.

You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.

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

Can I upgrade my policy if it’s out of the cooling off period?

Yes, you can upgrade your policy at any time prior to departure providing there are no claims or pending claims.

Do you have any age restrictions?

We may be able to offer cover to anyone whom is under the age of 100. However, please note that if you over the age of 65 the maximum duration we can offer you insurance for is 90 days.

What if I need to extend my policy while overseas?

We can offer one time extension for the same destination bracket. Please note that this extension is only offered on the basis of no claims or pending claims and is only offered at our discretion.

Does your insurance cover damage to a rental motorbike?

Unfortunately motorbikes are excluded. Our Gold policies cover your rental car excess up to $8,000 on 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.

Why Travel With Us for Motorcycling?

90 Sports and leisure activities automatically covered

24 hour emergency assistance

Unlimited overseas medical expenses

Student loan coverage up to $15,000 in our Backpackers policy

Unlimited cancellation cover in our Gold Policy

14 day cooling off period

No upfront medical certificates/assessments

Award winning travel insurance company

Insure&Go is rated 4.0 from 6,625 reviews

Motorcycling Travel Insurance

Read more about Motorcycling travel insurance - InsureandGo Australia

Scuba Diving Travel Insurance

Scuba Diving Travel Insurance Scuba Diving Travel Insurance

Whether you are travelling as a fully qualified diver, or as a rookie, InsureandGo can provide you with cover to a depth of 30 metres. Please note that scuba diving is only covered under international policies. Any claims directly or indirectly arising from scuba diving will not be covered by our domestic policy.

Most Common Questions

What does ‘excess’ mean?

Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim. You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.

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

Can I upgrade my policy if it’s out of the cooling off period?

Yes, you can upgrade your policy at any time prior to departure providing there are no claims or pending claims.

Do you have any age restrictions?

We may be able to offer cover to anyone whom is under the age of 100. However, please note that if you over the age of 65 the maximum duration we can offer you insurance for is 90 days.

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.

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, motorbikes are excluded.

Why Travel With Us for Scuba Diving?

90 Sports and leisure activities automatically covered

24 hour emergency assistance

Unlimited overseas medical expenses

Student loan coverage up to $15,000 in our Backpackers policy

Unlimited cancellation cover in our Gold Policy

14 day cooling off period

1.6 Million travellers covered per year

Multi award winning travel insurance company

No upfront medical certificates/assessments

Insure&Go is rated 4.0 from 6,625 reviews

Scuba Diving Travel Insurance

Read more about Scuba Diving Travel Insurance

*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.

Mountain Biking Travel Insurance

Mountain biking Travel Insurance Mountain biking Travel Insurance

If you’re going mountain biking on your holiday, it’s important to make sure that you’re well covered by travel insurance.

Our policies cover 90 activities and sports automatically, including mountain biking. Be aware, that the policies don’t cover racing, extreme ground conditions, or stunts. Additionally, there is a $250 excess payable for claims relating to mountain biking.

Most Common Questions

Do you have any restrictions or limits on mountain biking?

“We cover all medical expenses related to mountain biking (not racing or extreme ground conditions or stunts), while you are overseas. We do not cover personal liability, or permanent disablement as a result of this activity. We also do not cover mountain boarding or mountaineering which involves climbing or ice equipment. “

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

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 in 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, motorbikes are excluded.

What does ‘excess’ mean?

Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim.

You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.”

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, failing to declare a pre-existing condition can void your policy.

I‘m taking out the top cover, am I covered for anything that can go wrong on my trip?

Why Travel With Us for Mountain Biking?

90 Sports and leisure activities automatically covered

24 hour emergency assistance

Unlimited overseas medical expenses

Student loan coverage up to $15,000 in our Backpackers policy

Unlimited cancellation cover in our Gold Policy

14 day cooling off period

No upfront medical certificates/assessments

Award winning travel insurance company

InsureandGo is rated 4.0 from 6,625 reviews

Mountain biking Travel Insurance

Read more about Mountain Biking Travel Insurance

Jet-Skiing Travel Insurance

Jet-Skiing Travel Insurance Jet-Skiing Travel Insurance

If you’re going jet skiing on your holiday, it’s important to make sure that you’re well covered by travel insurance.

We automatically cover our customers for 90 activities and sports, including jet skiing.

If your jet skiing holiday is just a one-off, our One Trip travel insurance is the ideal option. For more frequent trips you may want to consider our Annual Multi Trip travel insurance, which covers an unlimited number of trips throughout the year.

Most Common Questions

Do you have any restrictions or limits on jet skiing?

We cover all medical expenses related to jet skiing and jet boat riding, while you are overseas. However, we do not cover personal liability, or permanent disablement as a result of this activity.

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

Does your insurance cover damage to a rental car?

What does ‘excess’ mean?

Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim.

You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.

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.

I’m taking out the top cover, am I covered for anything that can go wrong on my trip?

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 keywords to check limits and exclusions) to see if our product is right for you.

Why Travel With Us for Jet Skiing?

90 Sports and leisure activities automatically covered

24 hour emergency assistance

Unlimited overseas medical expenses

Student loan coverage up to $15,000 in our Backpackers policy

Unlimited cancellation cover in our Gold Policy

14 day cooling off period

No upfront medical certificates/assessments

Insure&Go is rated 4.0 from 6,625 reviews

Jet-Skiing Travel Insurance

Read more about Jet-Skiing Travel Insurance

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