Trip Details

Trip Details


Please, note we are currently not offering Annual Multi-trip or Backpacker policies. Check the website regularly for further updates




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One Trip

A single return journey, from 3 to 365 days, that starts in Australia.

Domestic One-Trip Travel Insurance does not cover any medical and evacuation expenses incurred in Australia or whilst travelling on a cruise domestically or internationally. Therefore, if you are going on a cruise and would like to be covered for onboard medical expenses and evacuation then you must choose either our Cruise Travel Insurance or our Annual Multi-Trip Travel Insurance.

Please note we are currently not offering Annual Multi-Trip Policies



A single return journey, from 3-365 days that starts in Australia and where the trip also includes travel on ships or other sea vessels.

Cruise option covers you for the land, air AND CRUISE part of your journey so you don’t need a single trip and a cruise policy if your whole trip or part of your trip involves any travel by cruise ship.



A 365 day policy that provides cover for multiple trips starting in Australia.

There are 3 options for maximum duration per trip, 30,45 and 60.



One trip departing from and returning to Australia, for up to a maximum of 540 days.

If you are taking a gap year, an adventure holiday or a round the world trip you may find our Backpacker product is more tailored for your needs.


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:


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.


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.

Group types

Policy Types

You have the option to select:


This option provides cover for one adult who is 18 years of age or older and their accompanying dependent children.


This option provides cover for two adults who are in a Partner relationship.


This option provides cover for two adults who are in a Partner relationship and their accompanying dependent children.



We are referring to the traveller’s age when you are buying this policy (Not when travelling). Please note all policy options are available between 50-100. Maximum trip durations vary depending on your age.



Sorry we can't give you quote online if one of the travellers is aged over 100



First traveller has to be aged over 18



Please indicate traveller's ages

First traveller has to be aged over 18


Trip type information

If you're taking a single trip this year, which does not include any travel by cruise, the one-trip cover is for you. But if you are travelling more than once you may be better off with an Annual multi-trip policy.

Please note we are currently not offering Annual Multi-Trip Policies

For Annual multi-trip policies the maximum trip duration covered is restricted by the policy option selected and will be either 30, 45 or 60 days, after which you must return to Australia before commencing a new trip.

If your trip includes any travel by cruise ship, then select the cruise option to be covered for the land, air AND CRUISE part of your journey. However, if you only want to be covered for the land and air part, then choose One Trip. By cruise we refer to any travel on sea, ocean or river by any commercially operated ship, boat or other sea vessel for longer than two hours.

If you are taking a gap year, an adventure holiday or a round the world trip you may find our Backpacker product is more tailored for your needs.

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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?

Unlimited overseas medical expenses

24 hour emergency assistance

All medical conditions considered online or over the phone

Unlimited cancellation cover in our Gold Policy

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.

Bare EssentialsSilverGold
Medical Screening*YYY
Cruise cover*NNN
Medical expenses*UnlimitedUnlimitedUnlimited
Emergency expenses*$5,000$15,000Unlimited
Personal liability*$1,500,000$2,500,000$5,000,000
Travel delay expenses*N$1,000$3,000
Delayed baggage*N$500$750
Electronic devices*N$2,000$3,000
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
Pet care*NN$600
Journey Resumption*NN$3,000
Loss of Income*N$5,200$10,400
Rental car excess waiver*N$4,000$8,000
Winter Sports Cover*OOO
Business Cover*OOO
Golf Cover*OOO

Y – Yes, N – No, O – Optional

Most Common Questions

1. 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.

3. 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.

2. 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 to check out advice and medical precautions needs to be looked at depending on the country you chose to travel in.

4. 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.

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 30 weeks (single) and 20 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.

**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.