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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 insurance¹ 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.

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 unbiased customer feedback.

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.

Why Travel With Us?

All pre-existing conditions considered
Unlimited overseas medical expenses
Quick and easy online claims process
All medical conditions considered online or over the phone
Unlimited cover
Unlimited cancellation cover in our Gold Policy
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24 hour emergency assistance

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 an expansive 24/7 global assistance network with over 31,500 points of assistance across all continents. It is no wonder we are multiple award winning travel insurance company, 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 PDS 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, Comparing & Purchasing an InsureandGo Policy

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

Compare from 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 Unlimited
Personal liability* $1,500,000 $2,500,000 $5,000,000
Travel delay expenses* N $1,000 $3,000
Curtailment* N $15,000 Unlimited
Baggage* $2,000 $6,000 $15,000
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
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 $8,000
Winter Sports Cover* O O O
Business Cover* O O O
Golf Cover* O O O

Y – Yes, N – No, O – Optional

Most Common Questions

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.

How does cancellation cover work?

Cancellation cover starts the date of purchase on silver and gold. Cancellation is covered if the insured cannot travel due to medical reasons, death of a relative, unknown natural disaster (if you have included this option in your policy), serious damage to home in Australia and so on. In any such event, the insured can cancel and claim for the non-recoverable pre-booked expenses lost on the trip.

Do you cover the cost of vaccinations?

Depending on your specific needs, we can provide pre-trip advice such as what vaccinations are required and the local medical conditions at your destination (Page 7 of our PDS).

For prescribed medications and maintenance and in case they get lost during a trip, this can be covered for as long as the medical condition related to these medications are declared.

As for preventive vaccination, we primarily advise to visit your GP and ask for options. Also, look out for the health section in Smarttravelers.gov.au to check out advice and medical precautions needs to be looked at depending on the country you chose to travel in.

How travel insurance for pregnancy works?

We automatically cover you for unlimited medical, hospital and surgical for the complications of pregnancy up to the 30 weeks (for one baby only). However, be advised that this policy is limited to the complications of pregnancy only. For a comprehensive list of what is and is not covered please refer to the Policy Wording Documents.

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.

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InsureandGo is rated 4.0 from 6,042 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. 

 

¹ We have a range of polices (Bare Essentials, Silver and Gold) to fit every budget in the easiest and most efficient way possible. We provide policies to match your needs, without the extras you don’t, making it easy for you to get the right cover for you.