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.

International Travel Insurance

International travel is adventurous and exciting as it takes us into the unfamiliar. Along with this excitement, however, the unfamiliar can bring about unexpected headaches. Although InsureandGo cannot prevent accidents and unfortunate incidents, we can be there to protect you should misfortune occur.

A travel insurance policy is an essential tool designed to help protect you from financial losses that can be incurred from a wide range of factors. These factors include (but are not limited to) the need to cancel a trip, needing overseas medical treatment, or replacing lost or stolen luggage and personal belongings.

Why Choose InsureandGo for Your International Travel Insurance?

InsureandGo’s affordable and comprehensive travel insurance policies are specially tailored to fit the individual needs of travellers. We also provide our customers with an expansive 24/7 assistance network with over 31,500 points of assistance across all continents, making us an industry leader for travel insurance from Australia. It is no wonder we’ve won multiple awards, and cover 1.6 million people every year.

InsureandGo offers 3 levels of cover to choose from, so you can select the coverage that suits your needs. Whether you’re a backpacker on a budget or a wealthy luxury traveller, be certain we have a policy that will be right for you. We offer single trip and international cruise insurance, making us the perfect choice no matter what your overseas travel plans are.

InsureandGo makes purchasing your International Travel Insurance policy quick and easy, offering a broad range of policy options and upgrades, along with providing customers with a rapid hassle-free claims process.

Why Travel With Us?

Unlimited overseas medical expenses

90 Sports and leisure activities automatically covered

Baggage covered up to $15,000 on Gold Policies

No upfront medical certificates required upon application

24 hour emergency assistance

14 day cooling off period

Who Should Take Out International Travel Insurance?

Anyone travelling overseas regardless of their age should make sure they are covered by International Travel Insurance. Medical emergencies and unfortunate incidents don’t discriminate, so it is vital you cover yourself for large unexpected bills.

InsureandGo provides International Travel Insurance to students, seniors up to 100 years of age (Cruise and Bare Essential Policies cover up to 79 years of age), travelling families, expecting mothers, and even non-permanent residents.

Note that our Family Travel Insurance plans cover your children or grandchildren at the same level of cover as you at NO extra charge!

Subject to your level of cover International Travel Insurance can covers:

Unlimited Overseas Medical Expenses
Trip Cancellation for Instances such as Unforeseeable Death, Injury, or Illness
Emergency Medical Evacuation
Trip Interruption
Lost Bags or Personal Belongings
Pregnancy Cover For up to 30 Weeks
Unlimited Dependent Children up to the Age of 18 Insured for Free**
Coverage for 90 Different Sports and Leisure Activities Including Bungee Jumping and Snorkeling
Option to Upgrade Your Policy to Include Winter Sports Coverage

What Will I Not be Covered For?

It is important that our customers read our full insurance policy terms, provisos, exclusions, and conditions for full details regarding their international travel insurance coverage. Note that 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. If you need to extend the dates of your existing cover, simply send an email to: info@insureandgo.com.au and find out whether you’re eligible.

Below are some instances where you may not be covered during your travels.

Pre-Existing Medical Conditions: InsureandGo considers all pre-existing medical conditions for possible cover, subject to agreement. Failure to disclose any pre-existing medical conditions may void any claim relating to that condition.
Travel Delays/ Connecting Flights: We will reimburse the cost of your necessary additional meals and accommodation expenses, up to the amount in your policy, if any individual leg of your trip is delayed is for more than 12 hours as long as you eventually go on the holiday. Sub limits per 12 hours apply.
Consumption of Alcohol: claims that arise directly from you or a covered party consuming alcohol will be denied.
Government Warnings: Check to make sure that any Australian Government foreign travel warnings won’t affect your travel insurance coverage.
Unattended Belongings: You will not be covered for any personal luggage or belongings if you leave them unattended in a public place such as a beach.
Reporting Incidents: Be sure to report any instance such as theft or loss of belongings within 24 hours to the appropriate authority or risk your claim being denied.
Natural Disasters: To make a claim due to a natural disaster, you must have purchased InsureandGo’s policy upgrade option and the option must be shown on your policy. Note that there is no coverage for costs incurred relating to a natural disaster if an event is already known prior to purchasing a policy.

Most Common Questions

1. What if I need to extend my policy while overseas?

We can offer one time extension for the same destination bracket. Please note that this extension is only offered on the basis of no claims or pending claims and is only offered at our discretion.

3. 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.

5. 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.

2. Do you have any age restrictions?

We cover up to 79 or 100 years of age, subject to policy type and cover level selected.

4. Do you provide cover for Natural Disasters?

Yes, we offer cover for additional emergency expenses you may incur as a result of a natural disaster provided you pay an additional fee to be covered. This additional fee to be covered for these events is applicable under all levels of cover and the amount you can claim varies depending on the level of cover you choose. Please note that if you do not pay this fee you will not be covered for natural disaster. This optional add on can be selected at the end of quotation just before making a payment online or if doing it over the phone our agent will ask you if you wish to add it onto your policy. Whilst you may not be covered for natural disaster if you fail to add on the optional add on, you will still be covered for medical expenses incurred as a result of a natural disaster.

6. Do you cover international students?

Our policy can cover non-permanent residents who have a valid Medicare, Private Health Fund or Overseas Student Travel Insurance in Australia throughout their trip overseas. Please note that in order for non-permanent residents to be covered their journey must depart from and return to Australia.

**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.