Compare Travel Insurance

Travel can be stressful but purchasing travel insurance doesn’t have to be. InsureandGo makes it easy to compare travel insurance so you are assured to get a policy which suits your needs.

Travel insurance can be as basic or comprehensive as you’d like. Offering a wealth of cheap travel insurance options and policies which can be tailored just for you, we are confident that you will find InsureandGo products are affordable and comprehensive in the market.

Why Travel With Us?

  • Unlimited overseas medical expenses
  • Unlimited cancellation cover in our Gold Policy
  • 24 hour emergency assistance
  • All medical conditions considered online or over the phone
  • Policies from just $27**
  • 1.6M travellers covered per year

Why Choose InsureandGo for your Travel Insurance

Our travel insurance policies are specially tailored to fit the individual needs of travellers. Over 17 million travellers have trusted InsureandGo globally with their travel insurance needs knowing they are backed by the world’s largest 24/7 assistance network with over 31,500 points of assistance across all continents. It is no wonder we are the world’s largest online travel insurer, covering 1.6 million people annually and one of the leaders when it comes to travel insurance in Australia.

When choosing a company for your travel insurance needs:

  • First create a checklist of what coverage you need in regards to what activities you plan on engaging in as well as how much coverage in terms of sum insured you will require.
  • Next research the list of companies you have selected which offer the coverage you desire. Read their reviews, acknowledge awards received, and see how many travellers have chosen them as a provider.
  • Finally choose a company which ticks all of your desired boxes at the most affordable rate. Be sure to read the fine print to make sure you are truly getting the best deal and take into consideration any perks, promotions, or extras a company may add to gain your business.

It may seem difficult to know how to compare travel insurance companies, but take a look at some of the many reasons our customers have chosen us, and why they continue to recommend InsureandGo Travel Insurance to others:

  • Broad range of travel insurance policy options
  • Three different levels of cover to choose from
  • Numerous policy upgrades and excess options available to tailor-make your policy
  • Quick and easy to buy your policy online
  • No hidden fees
  • Friendly and efficient customer service
  • Cover for dependent children travelling with you on single or family policies at no extra cost
  • 90 sports and adventure activities automatically covered for FREE
  • With our new online claims platform, lodging a claim has never been easier. If you need to file a claim, we offer chat and email support along the way to help you, all from the comfort of your home.
  • 24-hour emergency medical assistance line

Selecting & Purchasing an InsureandGo Policy

InsureandGo has made selecting and purchasing your policy easy with minimal steps.

steps-to-buy-travel-insurance-policy 

InsureandGo Offers Three Levels of Cover

InsureandGo offers three levels of cover available for its travel insurance policies including:

  • Bare Essentials
  • Silver
  • Gold

The benefit and sum insured entitlements differ under each level of cover and each level of cover will carry a different premium. Our three levels of cover allow travelers to select a policy which is affordable for them along with providing the coverage they desire. Note that our Gold Coverage option will provide you with our most complete and comprehensive coverage available, giving you the ultimate peace of mind during your travels.

Below you’ll find our Policy Comparison Table. We’ve made comparing our three levels of travel insurance as straightforward as possible, so you can decide which cover is best for you.


Benefits International
Bare Essentials Silver Gold
Medical Screening* Y Y Y
Cruise cover* N N N
Cancellation* N $15,000 Unlimited
Medical expenses* Unlimited Unlimited Unlimited
Excess* $100 $100 $100
Emergency expenses* $5,000 $15,000 $50,000
Personal liability* $1,500,000 $2,500,000 $5,000,000
Travel delay expenses* N $1,000 $2,000
Curtailment* N $15,000 Unlimited
Baggage* $2,000 $6,000 $8,000
Delayed baggage* N $500 $750
Electronic devices* N $2,000 $3,000
Valuables* N $500 $750
Hospital cash allowance* N $2,500 $5,000
Passport and docs* N $2,500 $5,000
Personal accident* N $37,500 $50,000
Legal expenses* N $10,000 $25,000
Financial default* N $1,000 $1,000
Money* N $250 $500
Hijack* N N $2,500
Pet care* N N $600
Journey Resumption* N N $3,000
Loss of Income* N $5,200 $10,400
Rental car excess waiver* N $4,000 $4,000
Winter Sports Cover* O O O
Business Cover* O O O
Golf Cover* O O O

Y - Yes, N - No, O - Optional

Awards InsureandGo has Received

Since our inception in 2000, our dedication and service to our 17 million travellers insured globally has been acknowledged through numerous awards by insurance assessment bodies around the world. These include Canstar’s International Outstanding Value Award, Choice Recommended Cover, Mozo Experts Choice “Travel Insurer of the Year”, and Feefo Gold Trusted Merchant just to name a few For more info please visit our Awards page.

Visit our Contact Us page and learn more about our award winning travel insurance plans by speaking with a member of our friendly and helpful customer service team.

Reviews

At InsureandGo, we pride ourselves in putting our customers first. We love hearing from our customers and it is through the feedback we receive, which allows us to continually improve our already highly dedicated service.

Visit our Review Page where you can read honest, unedited reviews from our large InsureandGo family of customers. Find out how InsureandGo’s travel insurance aided them during their travels.

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. Do you cover non-permanent residents?

Our policy can cover non-permanent residents who have a valid Medicare, private health insurance or overseas student travel insurance in Australia which must be valid for the entire duration of your holiday.

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.

Questions you should ask yourself before purchasing travel insurance policy

Where Are You Travelling?

Policies and coverage options available to you depend on if you are travelling domestically or internationally and your policy’s premiums will depend on the region you are travelling to. Whether you’re headed overseas or plan on exploring the wealth of incredible experiences Australia has to offer, InsureandGo has you covered.

How Long or How Often Do You Plan to Travel?

Do you plan a single trip each year or have you caught the travel bug and find yourself constantly in and out of airports? InsureandGo offers policies suited to every traveller no matter how often they travel including One-Trip and Annual Multi-Trip Travel Insurance.

Our single trip policies will cover you for a single trip you choose which falls within the dates you selected for your cover at time of purchase. If you find yourself travelling just 2 or 3 times per year, this can be enough to consider purchasing an annual policy. An annual policy may cost you only slightly more than a single trip policy depending upon your selected destination.

Annual Multi-Trip Policy Benefits:

  • Unlimited number of international trips
  • The option for unlimited cancellation cover
  • No need to notify us of each trip if within policy's duration & destination bracket.
  • Unlimited overseas medical expenses
  • All pre-existing medical conditions considered online

Long Duration Trips:

If you find you will be travelling to a destination for more than 60 days, we offer flexible One-Trip Travel Insurance which cover you up to 12 months in a destination as well as Backpacker Travel Insurance options which offer up to 18 months of continuous and comprehensive travel insurance cover with the option of visiting your home in Australia for up to 14 days without having to void your policy.

What Are Your Travel Plans?

Whether your travel plans include land, air, or water based transportation, InsureandGo can make sure you’re covered for all three.

Air: InsureandGo provides coverage for instances of flight delays, lost or delayed baggage, and hijacking.

Cruise Insurance: InsureandGo offers Cruise Travel Insurance covering you for instances of cabin confinement for medical reasons, cruise delays, missed cruise departure, missed port cover, and reimbursements for shore excursions that are cancelled or interrupted by the cruise liner.

Land: InsureandGo provides quality comprehensive insurance covering you for 90 sports and adventure activities included automatically, unlimited overseas medical expenses, personal belongings, optional golf cover, and rental car excess waiver option.

Winter Sports Travel Insurance: InsureandGo provides cover for fourteen types of winter sports activities with our winter sports policy upgrade, covering things like ski gear, passes, and avalanches.

What Are Your Circumstances?

InsureandGo provides international travel insurance to students, seniors up to 100 years of age, backpackers, travelling families, expecting mothers, and even non-permanent residents, so call us and talk to one of our friendly and knowledgeable travel insurance specialists who can discuss with you your options.

Seniors Travel Insurance: InsureandGo provides travel insurance for seniors up to 100 years of age with competitive rates. There is no need to select or purchase a separate seniors travel insurance policy.

Pre-Existing Medical Conditions: InsureandGo considers all pre-existing medical conditions. Our quick and easy online questionnaire can determine instantly whether your pre-existing condition can be covered with no need for upfront medical assessments or certificates when you purchase.

Pregnancy Travel Insurance: InsureandGo offers the most comprehensive policies when it comes to pregnancy travel insurance, covering you if you are expecting a single child or multiple babies who were conceived naturally or via reproductive services. We will cover emergency delivery of your child up to 32 weeks (single) and 24 weeks (multiples) along with medical expenses related to specific pregnancy-related complications even after the cut-off mark.

Family Travel Insurance: InsureandGo understands that travelling with children is expensive enough, so if you're planning to holiday with your children or grandchildren (who are under 18), we cover them at the same level of cover as you for FREE. Even if you are simply travelling as a couple, you are entitled to a travel insurance discount of 10% (automatically calculated during the purchase process). Make sure you select ‘couple or family’ to take advantage of your discount.

Backpacker Travel Insurance: We offer up to 18 months of continuous and comprehensive cover, with the option to cover high-risk activities - like cascading, paragliding, and skydiving. You can return home to Australia (at your own expense) for whatever reason once for up to 14 days, with no need to suspend your policy. Also, our backpackers policy covers up to $15,000 for one-off repayment of your outstanding student loan if you suffer a permanent injury while travelling.

Non-Permanent Resident Travel Insurance: Non-permanent residents with a valid Medicare card, private health fund, or overseas student travel insurance in Australia may be able to purchase our affordable and comprehensive travel insurance policies should you wish to travel overseas or domestically. You need to be in Australia at the time of purchasing your insurance, your trip must start in Australia, and know that you are covered for travelling to your home country even if it’s one way as long as it’s not to one of our excluded countries.

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.