Single Trip Travel Insurance | InsureandGo Australia

One Trip Travel Insurance One Trip Travel Insurance

Our one-trip travel insurance policy is for single travellers, couples and families undertaking a single, one-off leisure or business trip to an overseas destination.

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.

We provide thousands of travellers with comprehensive travel insurance cover each year at affordable prices, with benefits and cover for unlimited overseas medical costs, delayed or lost baggage/belongings, trip cancellations and delays – just to name a few.

Most Common Questions

I am overseas right now – is it possible for me to buy, change or upgrade a policy?

Unfortunately, you must physically be in Australia at the time of purchasing your insurance. If you are already abroad overseas, we’re sorry to say we can’t provide you with a new or different type of insurance. However, you might be eligible to extend the dates of your current, existing cover, so do get in touch if this is the case.

Can I take this policy out if I’m going on a cruise?

If you are going on a cruise at any point in your journey you need to select a cruise policy.

What if I have stop-overs in countries other than what my policy covers me for?

You need to make sure that your policy includes all of the destinations in your travel itinerary. You can do this by checking our destination bracket under the Get a Quote section of our website.

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.

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 provided that there are no claims or pending claims.

Am I able to travel to more than one country on this insurance?

Yes, you are able to travel to the list of destinations that are within your selected destination bracket.

Do you provide cover for delayed flights after the departure?

Our Silver and Gold policies provide coverage for reimbursing the cost of your necessary accommodation and additional meal expenses, if during your holiday, any one leg of your journey is delayed by more than 12 hours.

The potential claim amount, however, will depend on the policy your purchased, as this dictates the coverage. You will be able to see the exact level over coverage by reading the policy wording document and PDS.

Why Travel With Us for a Single Trip?

Unlimited overseas medical expenses

Unlimited cancellation cover in our Gold Policy^

Pregnancy cover for up to 30 weeks

24 hour emergency assistance

14 day cooling off period

Baggage covered up to $15,000 on Gold Policies

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One Trip Travel Insurance

Read more about Single Trip Travel Insurance | InsureandGo Australia

Covid-19 Travel Insurance Benefits

Are you looking for travel insurance with coverage for Covid-19 related events? InsureandGo policies provide you with several travel insurance benefits related to Covid-19. We are all excited to travel again and we want to give travellers peace of mind on their next holiday, domestically or overseas. We understand the travel landscape has changed and our travel insurance policies need to account for the new risks that travellers can face. Our Covid-19 travel insurance will give you additional coverage whenever you are ready to explore the world again.

Always visit Smartraveller to understand if your destination is marked as safe to travel. If your destination is marked as a “do not travel” on Smartraveller website, travel insurance coverage is not available. The below content is a summary only, always check the PDS for full details and Target Market Determination to understand if our policies are right for you.

For more information, check the FAQ’s below or visit our help centre here

Overseas policies

Our One-Trip and Cruise policies can cover you for the following benefits, in case your trip is impacted by Covid-19:

Overseas medical expenses (Unlimited Coverage in our Silver and Gold policies, not included in our Bare Essentials Policies): We will pay for the necessary and reasonable medical costs incurred outside of Australia as a result of you being medically diagnosed with COVID-19. This includes emergency medical, surgical, hospital, ambulance and repatriation costs where necessary.
Cancellation or trip disruption due to Covid-19 ($2,500 maximum coverage in our Silver Policies and $5,000 in our Gold Policies, not included in our Bare Essentials Policies): We will provide cover under this section if the cancellation or amendment of your trip is necessary and unavoidable 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 medically diagnosed with Covid-19 after purchasing the policy

We will pay up to the amount shown in the Table of benefits for:

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 reasonably recover from any sources;
the cost of excursions, tours and activities which you have paid for and which you cannot reasonably 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;

Domestic Policies

Our Single-Trip and Cruise Domestic policies also provide benefits for Covid-19 related events. Medical expenses in Australia are covered by Medicare or Private Health Insurance, so there are no medical benefits related to Covid-19 in our domestic policies. However, we provide coverage for the Cancellation or amendment of your trip if your travel plans are impacted by Covid-19.

Cancellation or trip disruption due to Covid-19 ($2,500 maximum coverage in our Silver Policies and $5,000 in our Gold Policies, not included in our Bare Essentials Policies): We will provide cover under this section if the cancellation or amendment of your trip is necessary and unavoidable as a result of:
- you being medically diagnosed with COVID-19 after you purchase the policy and you are unfit to travel
- 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 medically diagnosed with Covid-19 after purchasing the policy and they are you are unfit to travel

Most Common Questions

Am I covered if I get Covid-19 Overseas?

Our Silver and Gold levels of cover provide benefits for necessary and reasonable medical costs also necessary and unavoidable cancellation or amendment of your trip, related to a diagnosis of COVID-19. See the PDS for the details of what is covered.

Am I covered for Cancellation if there is a border closure?

Unfortunately our policies exclude any claims arising from border closures, or any other claims relating to any government travel bans, “Do not travel” warnings; or mandatory quarantine or self-isolation requirements related to cross border, region or territory travel.

Can I claim for cancellation if a family member gets Covid-19?

Under the InsureandGo Silver and Gold levels of cover, we will provide coverage if it is necessary and unavoidable for you to cancel or amend your trip if a close relative in Australia is diagnosed with Covid-19 after purchasing the policy and the treating doctor confirms in writing their level of infection is life threatening.

Can I claim for cancellation if a travelling companion gets Covid-19?

Our Silver and Gold levels of cover provide benefits for necessary and unavoidable cancellation or amendment of your trip if your travelling companion is medically diagnosed with COVID-19 after purchasing the policy. See the PDS for the details of what is covered.

Can I claim for cancellation if I get diagnosed with Covid-19 before going away?

Yes, our Silver and Gold policies provide coverage if it is necessary and unavoidable for you to cancel your trip if you are diagnosed with Covid-19 after purchasing your policy.

Am I covered for quarantine or travel delay if I get Covid-19 while overseas?

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

What should I do if I get diagnosed with Covid-19 while travelling?

If you are diagnosed with Covid-19 while travelling, please contact us on +61293333999 or email assistance@insureandgo.com.au. Our teams will guide you through the process on what to do and how to submit your claim.

Read more about Covid-19 Travel Insurance Benefits

When will my documents arrive through the post?

Documents are sent to your nominated email address upon purchase and are not distributed via post as we are making a conscious effort to decrease our carbon footprint. If you have any questions, please contact us.

What do I need to take on holiday with me?

It is advisable that you take your travel insurance certificate and the relevant policy wording booklet away with you. If you do not have these documents, please contact us or email us at info@insureandgo.com.au and we can send these out to you. If you are unable to print your emailed documents, simply write down your policy number and the emergency medical assistance and claims line telephone numbers from the back of our policy wording booklets which can be found here.

Can you get travel insurance for a whole year with Insure&Go?

Yes, you can get travel insurance for a whole year with an Annual Multi-Trip policy^. This type of policy covers you for unlimited international trips over a 12-month period, making it a convenient option for frequent travellers.

You could take a trip every month and be assured you’re covered under a single policy.

Maximum trip length:

30 days per trip
45 days per trip
60 days per trip

Can we all travel independently on an Annual Multi-Trip policy?

Yes, everyone on an Annual Multi-Trip policy^ is entitled to travel independently, but children under 16 must be under 100% adult supervision.

In what circumstances I can cancel the policy?

You can cancel your policy^ with us 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^.

If you cancel after this 14 days period, we will refund you a proportion of the premium for the outstanding period of cover less any government charges and taxes that we cannot recover.

Do we cover kids?

Parents or grandparents can buy insurance on behalf of dependents. 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. That means, 17 or under can travel for free*, as long as travelling with parents. However, if the child is 18 or above, he/she will be charged as an adult, whether or not a couple/family policy.

Parents or grandparents can buy insurance on behalf of dependents as long as dependents under 16 years of age will have full 100% adult supervision during the trip.

*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.