InsureandGo Travel Insurance Reviews
Travelling should be about enjoyment, not worry. At InsureandGo, we strive to give you added peace of mind by offering protection against the unexpected. Our comprehensive services are designed to support you throughout your journey.
Smiling customers! Great Reviews
The outstanding ratings we have received for our Travel Insurance are a testament to the exceptional services we provide.
Over 2 million customers chose us for their insurance and here’s what they have to say…
Nobody wants to be involved in an emergency while on holiday, but travel doesn’t always go to plan.
Overseas emergency medical assistance provides you with financial assistance if you’re injured or fall sick while travelling overseas.
Having coverage means you’re covered for emergency medical evacuations, surgical and hospital treatments, and ambulance costs.
We will also cover the cost of your return to Australia earlier than planned if this is medically necessary, and we consider all pre-existing medical conditions.
It’s extremely inconvenient, not to mention costly if your luggage is lost, stolen, or damaged while you’re travelling.
But with the appropriate cover we will pay for the value of your property at the time it was lost, stolen or damaged.
Remember that all items you are claiming as lost, stolen, or damaged must be reported to the appropriate authority, usually within 24 hours, and you will need to be able to provide proof of ownership.
Losing your cash or travel documents might be your worst nightmare, but with the appropriate policy, we will pay for the cost of replacing your cash or important documents if they are lost, stolen, or damaged during your trip.
This includes your passport, travellers cheques, and visas.
You may not be covered in situations where your documents or cash were left unattended, and you will need to provide proof of ownership for any lost or stolen personal money.
Travel delays are an unfortunate reality these days.
There are many causes, but the number of global delays per day can often be as high as the tens of thousands.
If you are financially affected by a travel delay of more than 12 hours, and are covered for travel delays, we will reimburse the cost of your necessary additional meals and accommodation expenses. Some limits are applied to this, and you will be reimbursed up to the amount shown on your policy.
Some travellers prefer to hire a car on holiday for the additional freedom.
However, if the car is damaged, stolen, or involved in an accident, you may be responsible for paying the cost of the rental car excess.
We will reimburse the rental car insurance excess if a car you have rented during your trip is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody.
Please note rental vehicle excess is available on Silver and Gold level cover up to the amount shown on your policy.
We hope that your trip goes ahead as planned, but sometimes things go wrong and you may need to cancel.
An insurance policy that includes cancellation cover will mean you are reimbursed for the cost of flights, accommodation, visas and paid for excursions or activities, in the event that you need to cancel your travel plans due to injury, unforeseen illness overseas, or because of other reasons that are outlined in the PDS.
We will also cover the cost of rescheduling your trip prior to departure if the cost of rescheduling does not exceed the cost of the cancellation.
**Terms, conditions, exclusions, sub-limits, and/or limits apply. For full details and before making a decision, consider the relevant PDS.
What Does Travel Insurance Cover?** Most Common QuestionsYou can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports). We will endeavour to give you a response within 10 business days.
Please contact us if you have any questions regarding the claims process.
You should register your claim within 30 days of completing your travel.
The important reason for purchasing policy is to gain coverage for overseas medical expenses which can prove to be extremely expensive in many countries should you require it.
The Australian Government or Medicare won’t be able to help you with overseas medical expenses, and although Australia has a number of reciprocal healthcare agreements with other nations, this will not provide financial assistance for transportation of very ill patients back to Australia to receive treatment.
Some countries might ask you for a copy of your insurance policies before granting a tourist visa. Check Smart Traveller to understand which countries will ask you to purchase policy before applying for a visa.
Despite not providing medical coverage within Australia, domestic travel insurance is important for providing you with coverage for situations such as trip cancellation, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.
Read the Product Disclosure Statement for more information.
When purchasing with InsureandGo, you will have the option to choose between three different levels of cover; Bare Essentials, Silver, and Gold.
Bare Essentials is the most basic level of cover, which includes essential coverage such as medical expenses, personal liability, emergency expenses, and baggage cover. Silver includes all of this, but covers you for a lot more, including trip cancellation, travel delay expenses, and more. Gold Policies cover everything in the Bare Essentials and Silver levels, though insure you at a higher cash value, and additionally include cover for special events, hijacking, pet care, and journey resumption. All pre-existing medical conditions are considered for all three levels of cover.
If you opt for an annual policy^(not currently available) over a single trip policy^, you will be covered for unlimited international trips over a 12 month period. Annual policies include unlimited overseas medical expenses, unlimited cancellation cover, and baggage covered up to $15,000 on Gold Policies.
To customize your policy, there are a number of additional upgrades available which offer coverage for winter sports, adventure sports, golf, business equipment, and natural disasters.
InsureandGo offers one of the most comprehensive policies when it comes to pregnancy travel insurance, covering you up to and including your 30th week if you are expecting a single child, or up until your 24th week if expecting multiple babies.
Read the Product Disclosure Statement for more information.
Purchasing earlier won’t cost you any more money, as you will only pay for the travel period covered by your policy. The sooner you purchase, the longer you can take advantage of cancellation cover if it’s included as a part of your cover. This can help you recover prepaid travel costs should you need to cancel your trip for covered reasons before you begin your journey.
Your prepaid travel costs, such as flights, accommodation, and tours, are covered if you cancel your trip due to employment redundancy, a natural disaster, pregnancy-related situations, or the injury, illness, serious damage to your home in Australia, or the death of someone in your travelling party or a relative based in Australia.
A PDS or Product Disclosure Statement is a legal document that contains useful information about your policy. It is very important to fully read the PDS, as it contains the key benefits and features of your policy and explains your rights and obligations in relation to your policy. Reading the PDS will allow you to thoroughly understand your policy and better help you choose the policy that is right for you.
Within the PDS, you will find information on excesses, premiums, period of cover, coverage limits, exclusions, and additional coverage options. Fully understanding the PDS is essential.





