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.

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. Our products have been CANSTAR awarded in 2013, 2014, 2015, 2019. and 2022. We recently received the Canstar 2022 award for “Outstanding Value – Seniors Travel Insurance” and “Trusted Service Award” of 2022 by Feefo. You can also check out external review sites like Product Review and Feefo for customer feedback.

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**

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 insurance¹ 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**.

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

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. 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.

5. 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

2. 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.

4. 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.

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.

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.

**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.