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 20/01/2026

Download the Target Market Determination Document – Single-Trip Policies - 20/01/2026

Download the Target Market Determination Document – Cruise Policies - 20/01/2026

Download the Target Market Determination Document – Annual Multi-Trip Policies - 20/01/2026

Previous 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

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

Download the Target Market Determination Document – Cruise Policies

Download the Target Market Determination Document – Domestic Policies

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

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

Previous 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

Customer Remediation

Customer Remediation - April 2024

Customer Remediation - September 2023

If you have any questions about a remediation email you have received from us, we invite you to contact us via email at info@insureandgo.com.au or by phone at 1300 401 177.

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.

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.

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

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 that 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).

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.

We’re proud to be a ProductReview.com.au Travel Insurance award winner in 2025 and 2026. Our products have also 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 second consecutive year and 'Outstanding Value - Seniors Travel Insurance', for the third 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.'

So, what are you covered for?

Our comprehensive packages^§ provide cover for specific events including situations specific to cruising.

Cruise Travel Insurance benefits

Please note: These benefits are a summary and are subject to limits, sub-limits and exclusions. Please see our Product Disclosure Statement or PDS for full terms and conditions.

Which destination to select for your trip

This policy will not cover any loss, injury or illness, dental, damage or legal liability arising directly or indirectly from travel in, to or through destinations that are subject to “Do Not Travel” advice from the Australian Government, as well as events occurring in any international conflicts or interventions involving the use of force or coercion, or where a sanction would prevent us from paying your claim (see General condition 15 and General exclusions 11 and 13 for more detail).

Why do you need cruise travel insurance?

How to purchase Cruise Travel Insurance

Get a Quote

1. Get started

 

Select your trip type, destination, dates and who is travelling with you.

2. Choose your plan

Review the inclusions and coverage amounts, and choose from Bare Essentials, Silver or Gold.

3. Review excess and upgrades

 

Choose excess from $0, $100 or $200 and add any extra cover you might need for upgrades such as Natural Disaster Cover, Winter Sports Cover, Activities Plus Option, Additional Specified Items or Business Cover.

4. Add your personal information

 

We’ll need the policyholder’s information, along with any pre-existing medical conditions.

5. Review quote, accept declaration and pay

 

Once you’re happy with the quote, accept the declarations and follow the steps to complete payment. Policy documents will be sent immediately to the associated email address. Or we’ll email you the quote to pay later.

Ready to get a quote?

Protect your travels wherever you’re headed, with Insure&Go’s award-winning¹ travel insurance.

Get a travel insurance quote!  

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.