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2M travellers
Covid-19 Cover available
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Cheap Travel Insurance

Safeguarding your expensive holidays doesn’t have to be costly. There are good ways to get budget travel insurance cover. This can save you a lot of money in case of an unexpected 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. Refer to our product disclosure statement for detailed information on our policies.

Our products have been recognised by Canstar in 2013, 2014, 2015, 2019, 2022, 2023 and 2024. Recently, we won the Canstar Award for “Outstanding Value - International Travel Insurance", for the 2nd consecutive year and "Outstanding Value - Seniors Travel Insurance”, for the 3rd consecutive year.

In 2024, we received the Finder 2024 Award for “Trusted Brand - Travel Insurance”, and the WeMoney 2024 Award for “Best for Seniors Travel Insurance”. You can also check out external review sites like Product Review and Feefo for unbiased customer feedback.

Why Travel With Us?

All pre-existing conditions considered
Unlimited overseas medical expenses
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All medical conditions considered online or over the phone
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Unlimited dependent children up to the age of 18 insured for free**

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. Use our travel insurance quotes to find the best option for you.
  • Don’t go it alone. Purchasing plans as a couple or family can be a cost effective way to acquire cheap travel insurance¹ rather than buying single policies. Why? 
    • If you travel as a couple, you can get a 10% discount on travel insurance. This discount is available when you book through InsureandGo.
    • We understand that travelling with children can be expensive. That’s why we cover your dependent children up to 18 years of age.  They receive the same level of coverage as you, and there is no extra charge**. Our travel insurance includes cover for luggage and personal effects, ensuring peace of mind while travelling.

     

    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 the 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

    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.

    Are my details secured if I purchase online?

    Yes, all your personal and payment details are encrypted before they are transmitted so your information is safe from prying eyes. This can be confirmed by the appearance of a padlock icon which can be found either in the address bar or on the status bar of your Internet browser.

    How can I find the best cheap travel insurance?

    The best cheap travel insurance can be found by comparing different providers and looking for promotional offers. InsureandGo is a popular choice, offering discounts for couples and free coverage for children. Make sure to read the product disclosure statement to ensure the policy meets your needs.

    Do you provide insurance for non-permanent residents of Australia?

    Yes,as long as you have either Medicare, a Private Health Fund or Overseas Student Travel Insurance

    Do you cover one way trip?

    Yes, we do offer One-Way trip cover. This means we will cover you from the time you leave Australia until 24hrs after you leave customs at your final destination country.

    In what circumstances I can cancel the policy?

    You can cancel the policy and obtain a full refund if you cancel within the 14 day cooling off period provided you have not departed for your journey nor have you made any claims on this policy.

    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.

    Am I covered if I have to cancel my trip because I got Covid-19?

    Our Silver and Gold policies offer coverage for $2,500 and $5,000 respectively if it is necessary and unavoidable for you to cancel your trip 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 medially diagnosed with COVID-19 after purchasing the policy.

    These benefits will cover:

    • 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 recover from any sources;
    • the cost of excursions, tours and activities which you have paid for and which you cannot 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.

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    InsureandGo is rated 4.0 from 6,625 reviews

    **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.