Trip Details

Trip Details

One-trip ?

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

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Cruise

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.

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AMT

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.

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Backpackers

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.

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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.
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Group types

Select whether you would like to purchase an insurance policy for an "Individual(s)" (which includes a group of individuals travelling together) or a "Couple or Family" policy (which is for couples or relatives travelling together). All travellers on a "Couple or Family" policy must be departing and returning to Australia together.

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Age

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.

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Info

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

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Info

First traveller has to be aged over 18

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Info

Please indicate traveller's ages

First traveller has to be aged over 18

Pregnancy Travel Insurance

InsureandGo makes it easy to obtain pregnancy travel insurance for expectant mothers who wish to travel.

Protecting yourself with travel insurance is incredibly important, especially when you are pregnant. InsureandGo offers one of 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. Best of all is our policies start from just $27*

What we Cover

Here at InsureandGo we provide emergency childbirth coverage: 

  • Up until your 30th week, for a single child pregnancy
  • Up until your 20th week, for a multiple child pregnancy

Emergency childbirth coverage includes the costs related to your birth and post-birth medical care; unfortunately at this stage we don’t offer any coverage for your baby.

Any medical expenses related to specific pregnancy-related complications (listed below) are covered even after the cut-off mark for childbirth coverage.

You will also have trip cancellation and pre-paid expenses coverage for medically certified pregnancy-related cancellations (under Silver and Gold policies). This means you are covered in the event you need to cancel your trip if you become pregnant after we have sold you your policy, and you will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of or during your trip. You are also covered if your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy and childbirth.

Any claim that comes from pregnancy or childbirth must have confirmation from a qualified medical practitioner which states the claim is due to complications of pregnancy and childbirth. Accepted limited complications are explicitly listed in your PDS.

These benefits are a summary, so please see our PDS for full terms & conditions.

Why Travel With Us?

Trip cancellation and pre-paid expenses for medically certified pregnancy-related cancellations

Policies from just 27*

Medical expenses related to specific pregnancy-related complications even after cut-off mark

1.6M travellers covered per year

Emergency delivery of baby up to 30 weeks (single) and 20 weeks (multiples)

24 hour emergency assistance

Complications of pregnancy and childbirth which we cover are limited to:

  • Toxaemia (toxins in the blood)
  • Gestational diabetes (diabetes arising as a result of pregnancy)
  • Gestational hypertension (high blood pressure arising as a result of pregnancy)
  • Pre-eclampsia (where you develop high blood pressure, carry abnormal fluid and have protein in your urine during the second half of pregnancy)
  • Ectopic pregnancy (a pregnancy that develops outside of the uterus)
  • Molar pregnancy or hydatidiform mole (a pregnancy in which a tumour develops from the placental tissue)
  • Post-partum haemorrhage (excessive bleeding following childbirth)
  • Retained placenta membrane (part or all of the placenta is left behind in the uterus after delivery)
  • Placental abruption (part or all of the placenta separates from the wall of the uterus)
  • Hyperemesis gravidarum (excessive vomiting as a result of pregnancy)
  • Placenta praevia (when the placenta is in the lower part of the uterus and covers part or all of the cervix)
  • Stillbirth
  • Miscarriage
  • Emergency caesarean section
  • A termination needed for medical reasons
  • Premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date

Pregnancy Cover Exclusions

Coverage for Babies: Unfortunately, our policies do not offer any cover for any children who are born overseas. We are unable to offer any cover for the baby even if you pay an additional premium in order to be covered.

Overseas Doctor’s Visits: Unfortunately we don’t cover standard pregnancy related doctor appointments, even if you become pregnant overseas.

Pregnancy & Childbirth Claims: You will not be covered for any claim that comes from pregnancy or childbirth, unless a qualified medical practitioner confirms that the claim comes from complications of pregnancy and childbirth.

Overseas Medical Treatment: Our policies offer unlimited hospital, medical and surgical expenses. For pregnancy, please note that we only cover the complications of pregnancy and childbirth only. Accepted limited complications are explicitly listed in your PDS.

Pregnancy Cover Within Australia: Our domestic policies do not cover any medical expenses incurred within Australia. This includes medical costs related to pregnancy. However, if you have purchased a policy that includes cancellation cover, you will be covered for cancellation due to a complication of pregnancy.

Cancelling Holiday Due To Zika Virus: As the Zika virus is now a known event, if you decide to cancel your trip as a result of this, you will not be covered.

Most Common Questions

1. Is my baby covered?

Unfortunately, our policies do not offer any cover for any children whom are born overseas. We do however cover your expenses for premature birth more than 8 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date. We are unable to offer any cover for the baby even if you pay an additional premium in order to be covered.

3. I’ll miss my doctor’s appointment here, am I covered for the same one overseas?

Unfortunately we don’t cover standard pregnancy related doctor appointments, even if you become pregnant overseas.

5. I’m going to hit the 30 weeks mark half-way through our trip, will I be covered?

We cover the expenses of premature birth for 30 weeks (single babies) and 20 weeks (multiple babies). We also cover certain pregnancy-related complications (listed in our product disclosure statement) for up to 30 weeks.

2. Do you need to declare your pregnancy before buying travel insurance?

No, you don’t need to declare as pregnancy is not determined to be a pre-existing condition. However, for a comprehensive list of what is and is not covered please refer to the Policy Wording Documents.

4. Do you cover for cancellation of your trip due to pregnancy?

Yes we cover cancellation, If you become pregnant after we have sold you this policy, and you will be more than 30 weeks pregnant (or 20 weeks if you are expecting more than one baby) at the start of, or during, your trip. Or, your doctor advises that you are not fit to travel because you are suffering from complications of pregnancy and childbirth. For further information, and a full list of what is considered a complication of pregnancy please go through the Policy Wording Documents.

6. Do you cover childbirth?

We automatically cover you for unlimited medical, hospital and surgical costs for premature childbirth up to 30 weeks (for one baby only) and up to the 20 weeks for multiple child pregnancy. However, be advised that this policy does not cover costs associated with childbirth after this period nor do we cover the costs of a child born whilst you are overseas.

* 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.