Cheap Travel Insurance

Safeguarding your expensive holidays doesn’t have to be costly. There are great ways to secure budget travel insurance which could ultimately save you bundles in an unfortunate and unforeseen event.

We have been in the market for over 10 years, and deliver what we promise. We have a range of polices to fit every budget in the easiest and most efficient way possible. We cut all the jargon out, making it easy for you to get the cover you need.

Award winning travel insurance at affordable prices, from just $27*. Get a quote in just seconds and compare different policy options available.

InsureandGo has received Outstanding Value awards by independent reviewer CANSTAR in 2015, 2014 and 2013, confirming our continued commitment to offering high levels of cover at competitive prices. We have covered over 17 million travellers globally and you can rest-assured that you're covered by an insurer with the largest assistance network globally.

Why Travel With Us?

  • Unlimited overseas medical expenses
  • All medical conditions considered online or over the phone
  • Unlimited dependent children up to the age of 18 insured for free
  • Policies from just $27*
  • Largest Online Travel Insurance Company in the World
  • 1.6M travellers covered per year

Low Cost Insurance Basics & Tips

  • Insure just the things you need by choosing a policy that will cover you for expenses you believe you may need most. Although a comprehensive policy is always advisable, there are basic options that may suit your budget better.
  • Don’t go it alone. Purchasing plans as a couple or family can be a cost effective way to acquire cheap travel insurance rather than buying single policies. Why?
    • If you travel as a couple, then you are entitled to a travel insurance discount of 10% when booking through InsureandGo.
    • We also understand that travelling with children is expensive enough; therefore, we cover your dependent children up to 18 years of age at the same level of cover as you at no extra charge.

Opt for Annual Multi-Trip policy

Frequent travellers rejoice! Traveling more often can actually save you money when it comes to travel insurance.

  • InsureandGo’s annual multi-trip cover is an easy policy that can cover you for multiple trips, which is great for the business traveller or globetrotter who has caught the travel bug.
  • Providing you with cover for unlimited trips up to 30,45 or 60 days over the space of a year, an annual policy may cost you only slightly more than a single trip policy depending upon your selected destination. Our affordable annual multi-trip policies start from just $240*.

Choosing the Right Excess for You

Increasing your excess can save you even more. You can lower your premium by increasing the excess limit on your cover.

On our compare policy page you can "double" your excess to reduce the cost of policy. Excess is the contribution you are required to pay towards a claim you make on your travel insurance policy. So keep in mind, that in the event of something going wrong, you’ll need to pay excess per person per claim. Find more info about excess here.

Most Common Questions

1. 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.

3. Do you cover flight delays after departure?

Under the InsureandGo Silver and Gold levels of cover, we will reimburse the cost of your necessary additional meals and accommodation expenses, if during a trip, any individual leg of your trip, is delayed for more than 12 hours.

The amount you can claim varies depending on the level of cover that you have purchased with us. Please refer to the policy wording documents for more information.

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

Our Silver and Gold policies cover your rental car excess up to $4,000 for International policies & up to $5,000 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. 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.

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. 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 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.

How to save on your holidays

Travel Further & More Frequently

Because you can never get enough travel, here are some great tips to seeing the world more often.

  • Spread your annual holiday leave out during the year to give you several holidays to look forward to throughout the year. Having several getaways in your sights every so often will take the edge off work.
  • By travelling during a destination’s off peak or shoulder season you could save a lot of money, sometimes as much as paying half price.
  • Choose destinations which offer multiple experiences within close proximity. Places like Europe make holidays comprised of several countries easy and affordable to attain giving you a bunch of mini holidays packaged into one.
  • Take advantage of flash sales which could have you jetting off on a last minute dream getaway for a fraction of the standard price. Taking the time to join airline frequent flyer plans along with hotel loyalty programs can have you enjoying free flights and complimentary night stays the more you travel.
  • Along with budgeting to travel more frequently, be sure to take advantage of our affordable Annual Multi-Trip Travel Insurance which will save you even more.

Other Ways to Reduce Your Travel Costs

So you’ve saved your hard earned money purchasing cost effective travel and budget travel insurance, now you may save even more by following these helpful hints.

  • Travel with a companion. Split the costs of hotels and taxis and greatly reduce your travel expenses by bringing along your friend or partner.
  • Food can be one of your greatest costs while traveling so try booking accommodation which allows you to cater for yourself or ones that offer complimentary meals like free breakfast. Avoid the fancier restaurants and opt for more authentic culture by sampling affordable street food. Do take some precautions though, as street food isn’t always as good coming out as is going in!
  • Avoid expensive touristy attractions and visit a destination’s parks, gardens, and markets which are usually free or very low cost. Many local favorite attractions which offer the best cultural experiences are free and will allow you to avoid the generally overpriced and commercialised tourist hotspots.
InsureandGo is rated 4.5 out of 5 stars by 9498  customers.
*Price derived from a single trip of 5 days, Individual, age 30, to New Zealand, Pacific& Bali region. Cover for pre-existing medical may require an extra premium.