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 21-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 21-day 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.

How can we help you if you are experiencing vulnerability?

It is our paramount priority that whenever a form of vulnerability is identified or suspected, the safety of the customer and their family is protected. We have established internal policies and training appropriate for Customer Service Representatives to:

Additionally, we have created a specialised team called ‘Extra Care Team’ for each stream of our customer service (sales and service, claims, internal dispute resolution areas) who can help with your needs and give you extra comfort when you are dealing with us.

What support can you get from us if you are experiencing vulnerability?

You will have access to our ‘Extra Care Teams’ specialised in sales and service, claims, internal dispute resolution, specifically trained to support Customers experiencing vulnerability with ‘extra care’ and ‘flexibility’, please just tell us about your needs when you contact us either by phone or by email.

At your request:

For any other questions or support, you can always write to us at: info@insureandgo.com.au

What are the accessible services for people with permanent or temporary hearing impairments, speech impairments or any form of limitations to make and receive phone calls?

We have made some services available and accessible for people who have permanent or temporary hearing impairments, speech impairments or any form of limitations to make and receive phone calls.

This is a teletypewriter service where you can speak or type your message, with options to read or listen to our responses.

Dial 133 677 then ask for InsureandGo

This is a speak-and-listen relay service for people who have speech limitations to use the phone.

Dial 1300 555 727 then ask for InsureandGo

This is an SMS relay service where you can text on any type of mobile phone, with options to read or listen to our responses.

Text 0423 677 767 then ask for InsureandGo

For more information, please visit National Relay Service (NRS) website.

How can we help customers experiencing financial hardship?

If you tell us, or we identify, that you are experiencing Financial Hardship, we can consider:

How can you apply for Financial Hardship Support from us?

If you have any questions about Financial Hardship, please send us an email at info@insureandgo.com.au,call us on the Phone (within Australia): 02 9333 3999 or Phone (outside Australia): +61 2 9333 3999 and just ask for help on Financial Hardship situation.

If you want to apply for financial hardship assistance, please log in to ‘My Account’ to access the application form.

Also, note that we may ask you to send us additional information about your financial situation as part of your application. These documents will help us determine the best way to support you (and your family).

What other resources can you consider for Financial Hardship support?

Here are free and confidential financial counselling resources that can provide advice to Australians in every state and territory: