If an excess applies to a claim it means that you need to pay the stated amount towards the claim per person, per event and per applicable section. For example, if you have a covered claim for $500 and an excess of $100 applies to the cover you are claiming under, you will only receive $400 in settlement of the claim. Excesses only apply to certain sections of the InsureandGo Travel Insurance policies, as set out in the relevant Policy Wording’s Table of Benefits. Our standard excess amount is $100 but you can choose to remove or double this amount through the purchase process. 

* The product information contained on this website is a brief summary only. For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Product Disclosure Statement.

With our policies, we do offer cover for riding motorcycles for Medical expenses only. Please note that special conditions apply to be covered whilst riding a motorcycle. In addition to the above, please note that we will not cover any claim arising from the use of a two-wheeled or three-wheeled motor vehicle unless you;
a. as the driver or a passenger is wearing a crash helmet (this is irrespective of the law in the country you are in), and
b. as the driver:
(i) hold a driving licence appropriate for the country you are in, and
(ii) if using a motorcycle rated 125cc or higher, you hold a current and valid license required for driving an equivalent rated motorcycle in Australia. A special excess of $250 applies per item per claim for riding a motorcycle under 125cc and for 125cc and over this is an excess of $500 per claim.

Yes, we offer cover for Medical Expenses whilst partaking in this activity. Please note that this policy has a special excess of $500 per claim for this activity and Quad Bike Riding must be conducted with a commercial operator, be available to the general public and not require a special level of fitness to undertake. Unfortunately, you will not be covered under Personal Accident or Personal Liability when Quad Bike Riding.

We cover the following countries:

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 (Bali and Lombok are included in the Pacific).

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.

Worldwide excluding: Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.

Worldwide including: Worldwide including USA, Canada, Mexico, Central & South America.

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.

You can add additional cover for valuables under our specified valuables cover for an extra premium in our gold level of cover. The maximum you can insure additional specified valuables is $4,000.00.

Extra cover can only be added over the phone, so please contact us on 1300 552 701. 

Standard Operating Hours

• Monday – Friday: 9am to 5pm (AEST)

• Saturday & Sunday: Closed

Yes, our policies do offer cover for theft of items.

Please note if you have valuables, our Silver and Gold policy include Valuables cover. Please refer to the Product Wording Documents for the definition of valuables to determine whether this is suitable for you. If eligible, you may be able to pay an additional premium to cover valuables up to $4,000.00.

Yes, we do cover you for Medical Expenses, Personal Accidents and Personal Liability for Martial Arts training only. Please keep in mind, if you are injured whilst partaking in this activity you will need to pay an excess of $500 per claim. 

In addition, there is no cover for personal accident and personal liability. Personal accident is a lump sum compensation for death or permanent disability and Personal Liability is the amount you become liable to pay if you injure someone accidentally or damage their property.

Yes, driving a moped is covered for medical expenses. However, certain conditions do apply.

If you are riding or driving a moped under 125cc, you must have a license valid for driving that type of vehicle in the country you are travelling in and wearing a helmet as a driver or passenger.

If the type of vehicle is over 125cc, you must have a license valid for driving that type of vehicle in the country you are travelling in and have a valid license to ride this type of vehicle in Australia. In addition, as a driver or passenger, you need to wear a helmet.

Cover for electronic devices is available in our Silver and Gold levels of cover.

Our Silver level of coverage is up to $2000.00 and our Gold level of coverage is $3,000.00 for electronic devices.

Please refer to the policy wording documents for information on the electronic sub-limit cover.