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.

Travel insurance for Non-Permanent Resident

If you’re living in Australia as a non-resident, you may be able to purchase our affordable and comprehensive travel insurance policies should you wish to travel overseas or domestically.

With our travel insurance policies you’ll be backed by an expansive 24/7 assistance network with over 31,500 points of assistance across all continents.

InsureandGo is a multiple award winning travel insurance company, covering 1.6 million people annually.

Eligibility Requirements for Non-Permanent Resident Travel Insurance

Non-permanent residents must have either a valid Medicare card, private health fund, or overseas student travel insurance in Australia. This must remain valid for the entire duration of your holiday.
Your current Australian visa must remain valid beyond the period of your journey.
Your trip must start in Australia.
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 email us and find out.
Unfortunately, we do not offer any insurance for inbound travellers coming to Australia.
You are covered for travelling to your home country even if it’s one way as long as it’s not one of our excluded countries.

Why Travel With Us?

Unlimited overseas medical expenses

All medical conditions considered online or over the phone

Unlimited cancellation cover in our Gold Policy

No upfront medical certificates required upon application

24 hour emergency assistance

14 day cooling off period

Why Purchase Non-Resident Travel Insurance in Australia vs. Insurance from Your Home Country?

In most of the cases, you are restricted to purchasing travel insurance from the country you are currently living in. That means if you are currently living in Australia as a non-permanent resident, then you can consider InsureandGo travel insurance policy in Australia.

Benefits of InsureandGo Policies

Our non-permanent resident travel insurance provides the same benefits to all customers regardless of residency as long as they meet the required criteria. Just some of the benefits include (depending on level of cover):

Trip cancellation
Unlimited overseas medical expenses
Emergency medical evacuation
Flight cancellation and coverage for destruction of destination from natural disaster (with natural disaster cover option)
Trip interruption
Lost bags or personal belongings

Additional coverage options:

Winter sports cover
Adventure sports cover

Our policies considers all pre-existing conditions, which are any conditions for which you have received medical advice, treatment or medication in the last five years. To see if we cover your pre-existing condition, please complete our medical assessment online or over the phone. Please note, failing to declare a pre-existing condition can void your policy.

Other Reasons to Choose InsureandGo :

Broad range of travel insurance policy options
Different levels of cover to choose from
Policy upgrades and excess options available to tailor your policy – Our standard excess amount is $100 but you can choose to remove or double this amount through the purchase process
Quick and easy to buy your policy online
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
Fast, hassle-free claims process
24-hour emergency medical assistance line

Most Common Questions

1. 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.

3. My relatives are coming to Australia, can they get insurance with you?

Unfortunately, we do not offer any insurance for any inbound travellers coming to Australia.

5. 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.

2. 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. The Australian Government has certain agreements with countries around the world, called the Reciprocal Health Care Agreements (RHCA). If your country of residence is a part of this agreement then you can receive Medicare benefits.

4. 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.

6. How do I cancel my policy?

With our policies you will be entitled to a full refund of the premium paid if you cancel this within 14 days of purchasing your policy. Please note that we do not offer any refunds on policies outside the cooling off period.

**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.