Trip Details

Trip Details

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Please, note we are currently not offering Annual Multi-trip or Backpacker policies. Check the website regularly for further updates

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One Trip

A single return journey, from 3 to 365 days, that starts in Australia.

Domestic One-Trip Travel Insurance does not cover any medical and evacuation expenses incurred in Australia or whilst travelling on a cruise domestically or internationally. Therefore, if you are going on a cruise and would like to be covered for onboard medical expenses and evacuation then you must choose either our Cruise Travel Insurance or our Annual Multi-Trip Travel Insurance.

Please note we are currently not offering Annual Multi-Trip Policies

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Cruise

A single return journey, from 3-365 days that starts in Australia and where the trip also includes travel on ships or other sea vessels.

Cruise option covers you for the land, air AND CRUISE part of your journey so you don’t need a single trip and a cruise policy if your whole trip or part of your trip involves any travel by cruise ship.

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AMT

A 365 day policy that provides cover for multiple trips starting in Australia.

There are 3 options for maximum duration per trip, 30,45 and 60.

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Backpackers

One trip departing from and returning to Australia, for up to a maximum of 540 days.

If you are taking a gap year, an adventure holiday or a round the world trip you may find our Backpacker product is more tailored for your needs.

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Destination Information

Excluded destinations:


InsureandGo will NOT cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Belarus, Crimea, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, Chad, East Timor, Haiti, Lebanon, Liberia, North Korea, Pakistan, Russia, Somalia, Uganda, Ukraine, Venezuela, Yemen and Zimbabwe.


Included destinations:


Pacific:


The South Pacific: Papua New Guinea, American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand)


Worldwide exc USA:


If your destination is "Worldwide exc USA" you are covered Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.


Worldwide inc USA:


If your destination is "Worldwide inc USA" you are covered Worldwide including USA, Canada, Mexico, Central & South America and Antarctica.


Asia:


South Asia: Sri Lanka, Bangladesh, India, Nepal, Maldivas


South East Asia: Birmania, Brunei, Cambodia, Philippines, Indonesia (Including Bali and Lombok), Laos, Malaysia, Singapore, Thailand, Vietnam


East Asia: China, South Korea, Hong Kong, Japan, Taiwan


Domestic: Australia, Norfolk Island


Cruise Specific Destinations

Domestic Cruise:


Domestic cruises within Australian Territorial waters, or international waters, providing you do not stop at any international port. If you want to travel around Australia before your cruise departs, you will need to buy two separate policies, a Domestic single trip policy for the duration of your trip before boarding and a cruise trip policy for your cruise. (If you select the Domestic cruise policy your baggage will only by covered for a maximum of 72 hours before boarding)


(The Domestic cruise policy also provides cover for stopovers in Australian ports up to 48 hours)


Domestic, NZ and Pacific Cruise:


Cruises that include any Pacific destination and docks at any Australian port after departure (Including final port).


Asia and Domestic


Cruises that include any Asia destination and docks at any Australian port after departure (Including final port).


Please note:


  • If you have a multiple destination itinerary, you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica.
  • If you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica, then you should select the Worldwide Including Travel Plan.
  • If you select the Domestic Cruise, Pacific and Domestic or the Asia and Domestic travel destination we will cover Medical and Evacuation expenses. With Medical expenses we mean expenses incurred on board relating to medical illness or injury assistance. We will also cover the repatriation or evacuation expenses if the medical practitioner has stated in writing that you are unfit to continue your trip due to medical illness or injury. This benefit does not apply to any medical treatment provided on Australian inland or whilst the ship is tied up in an Australian port. All other benefits included in your policy provide cover whilst your ship is docked in an Australian port for a maximum of 48 hours.
  • If you select a cruise option, there is no cover for Section L (Rental Vehicle Excess Waiver) whilst your ship is in an Australian port.
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Group types

Policy Types

You have the option to select:

Individual

This option provides cover for one adult who is 18 years of age or older and their accompanying dependent children.

Couple

This option provides cover for two adults who are in a Partner relationship.

Family

This option provides cover for two adults who are in a Partner relationship and their accompanying dependent children.

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Age

We are referring to the traveller’s age when you are buying this policy (Not when travelling). Please note all policy options are available between 50-100. Maximum trip durations vary depending on your age.

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Info

Sorry we can't give you quote online if one of the travellers is aged over 100

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Info

First traveller has to be aged over 18

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Info

Please indicate traveller's ages

First traveller has to be aged over 18

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Trip type information

If you're taking a single trip this year, which does not include any travel by cruise, the one-trip cover is for you. But if you are travelling more than once you may be better off with an Annual multi-trip policy.

Please note we are currently not offering Annual Multi-Trip Policies

For Annual multi-trip policies the maximum trip duration covered is restricted by the policy option selected and will be either 30, 45 or 60 days, after which you must return to Australia before commencing a new trip.

If your trip includes any travel by cruise ship, then select the cruise option to be covered for the land, air AND CRUISE part of your journey. However, if you only want to be covered for the land and air part, then choose One Trip. By cruise we refer to any travel on sea, ocean or river by any commercially operated ship, boat or other sea vessel for longer than two hours.

If you are taking a gap year, an adventure holiday or a round the world trip you may find our Backpacker product is more tailored for your needs.

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Mountain biking Travel Insurance

If you’re going mountain biking on your holiday, it’s important to make sure that you’re well covered by travel insurance.

Our policies cover 90 activities and sports automatically, including mountain biking. Be aware, that the policies don’t coverracing, extreme ground conditions, or stunts. Additionally, there is a $250 excess payable for claims relating to mountain biking.

Why Travel With Us for Mountain Biking?

90 Sports and leisure activities automatically covered

Student loan coverage up to $15,000 in our Backpacker policies

No upfront medical certificates/assessments

24 hour emergency assistance

Unlimited cancellation cover in our Gold Policy

Award winning travel insurance company

Unlimited overseas medical expenses

14 day cooling off period

Most Common Questions

1. Do you have any restrictions or limits on mountain biking?

“We cover all medical expenses related to mountain biking (not racing or extreme ground conditions or stunts), while you are overseas. We do not cover personal liability, or permanent disablement as a result of this activity. We also do not cover mountain boarding or mountaineering which involves climbing or ice equipment. “

3. I am overseas right now – can I buy, change or upgrade a policy?

You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.

5. Does your insurance cover damage to a rental car?

Our Gold policies cover your rental car excess up to $8,000 for International policies and up to $7,500 in Domestic policies. However, you need to make sure that the rental car is insured (confirmed by the rental company), as we do not pay for full damages to a rental car, only your excess. Please note, motorbikes are excluded.

2. What does ‘excess’ mean?

Excess is the amount you pay us in the event of a claim being approved. Our excess applies per person, per event, per claim.

You can choose the excess you want ($100, $200, $0), but be aware this will change the price of your initial premium.”

4. Do you cover pre-existing medical conditions?

A pre-existing medical condition is any condition for which you have received medical advice, treatment or medication in the last five years. Our policies cover many pre-existing conditions; to see if we cover yours, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

6. ‘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 could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement (or search [ctrl+F] for key words to check limits and exclusions) to see if our product is right for you.