Go Insurance Go Plus includes a wide range of cover including optional snow, golf, water sports and business packs.
Go Insurance provide a comprehensive suite of products. These products can help travelers in many ways, including:
- Medical Cover. Getting sick or being involved in an accident can become expensive when you’re overseas, which is why you need travel insurance. Insurance covers your medical and hospital expenses, as well as for the costs to evacuate or repatriate you if required.
- Cancellation Cover. Go Insurance Go Plus can help arrange rescheduling of flights and travel, and cover cancellation charges if plans change due to unforeseen circumstances.
- Luggage Cover. Travel insurance can help if your luggage or personal items are lost or stolen, or if you lose your passport or travel documents.
- Interruption. If a family member becomes ill or dies, your travel insurance will allow you to return home, providing a benefit for additional travel and accommodation expenses to get you there. You’ll also be covered for a resumption of journey benefit to let you pick up where you left off on your travels when you can.
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What does the Go Insurance Go Plus Plan cover?
The Go Plus plan for Go Insurance is a premium policy designed to offer you the greatest protection possible while you are travelling. With Go Plus travel insurance you will be covered for:
- Cancellation and curtailment. A benefit if your trip is cancelled or cut short because of the death, accidental injury or illness of yourself, your travelling companion, a family member or business partner. You can also claim in the event of being detained for quarantine, hijacking, bad weather or the issuing of a travel warning.
- Resumption of trip. If your trip is curtailed, Go Insurance provides a benefit amount to allow you to resume your trip when you are able.
- Overseas medical expenses. Covers you for medical, surgical, hospital, ambulance and nursing treatments and costs, plus transportation of remains, and additional travel and accommodation for someone to accompany you.
- Hospital cash benefit. Pays you a cash benefit for each day you are hospitalised overseas as the result of illness or injury.
- Death and accidental injury benefit. Pays a benefit if you are involved in an accident that results in your death, or the loss of sight, loss of limbs or total and permanent disablement within 12 months of an injury you suffered while travelling.
- Mugging. You can receive a benefit if you are admitted to hospital as the result of injuries sustained in a mugging.
- Personal property. A benefit paid in the event your personal items are lost, stolen or damaged, and your insurance will pay to repair or replace them.
- Luggage delays. Provides you a benefit to purchase emergency personal effects if your luggage is misdirected or delayed by your carrier for more than 24 hours.
- Personal money and passport. You can claim for the theft of personal money, as well as reasonable accommodation and administration costs to have a passport replaced.
- Disrupted scheduled plans. Reasonable accommodation expenses are covered if your travel is delayed by at least 12 hours.
- Hijacking. You will receive a benefit amount for every full 24 hour period you spend detained because of the hijacking of an aircraft or crew you are travelling with.
- Special events. You can claim reasonable alternative transport costs if you had to make alternative arrangements to reach a special event such as a funeral, wedding, conference or major sporting event, because your prearranged transport was late.
- Travel services provider insolvent. Go Insurance will pay you the costs for travel, accommodation, car hire and tours which you cannot recover from anywhere else if your travel provider goes out of business. Alternatively your insurer can pay for reasonable costs of alternative arrangements so you can continue with your original plans.
- Domestic pets. Cover for additional boarding for pets if your return home is delayed outside of your control.
- Personal liability. Means you are covered for legal expenses and proceedings if you become legally liable for the accidental injury or death of another person, or the accidental damage to property. You are also entitled to a separate benefit amount for legal expenses in relation to a claim for compensation or damages.
- Overseas hire car excess. If your rental vehicle is stolen or involved in an accident while in your care, your travel insurance will pay the excess amount, as well as the amount to return the vehicle to the nearest depot.
Go Insurance Go Plus Travel Plan options
While the Go Plus travel insurance plan from Go Insurance covers you for a range of circumstances, you can tailor or increase your cover amounts to suit your individual holiday plans, including:
- Snow sports cover. If you are planning a snow and skiing holiday, it is important to add the snow sports benefit to cover the additional, and often very expensive, equipment you will be bringing along. Snow sports cover also include a benefit if you are unable to use lessons or ski passes, in case of piste closure and avalanche cover.
- Golf cover. On a golfing holiday you’ll also want extra cover for your equipment, as well as a benefit for unused green fees if you’re unable to play.
- Water sports. If you plan to engage in water sports, you’ll need additional itemised cover which includes a benefit for your equipment, equipment hire, excursion fees, passes, lessons and a benefit if you are unable to use any passes.
- Business cover. Provides cover for business equipment, electronics, and for the cost of recreating any lost documents.
What are the general exclusions?
Keep in mind that there are certain circumstances, events and behaviours for which you won’t be able to make a claim on your travel insurance with Go Insurance. For example you:
- Cannot claim for pre existing medical conditions unless they are specified on the policy
- Cannot claim for suicide, mental illness or depression
- Cannot claim for the effects of alcohol or non prescription drugs
- Must not expose yourself wilfully to needless danger
- Cannot claim legal liability for accidents or injuries as the result of firearms, mechanically propelled vehicles or animals
- Must have proof of ownership to claim for personal property
- Cannot claim for items you leave behind in a public place
- Must take reasonable care with your possessions
- Must report a loss, theft or damage to the authorities
- Cannot claim for valuables, electronics, computers, jewellery, cameras or similar if they are in checked luggage.
Who is eligible for a Go Insurance Go Plus travel plan?
If you would like to be backed by the support and benefits of the Go Plus travel insurance policy, you can apply if you:
- Are under 69 years old when you purchase the policy
- Are an Australian resident, or you have been living in Australia temporarily for at least three months, and you can prove your residency when you make a claim
How to make a claim with Go Insurance
- Go Insurance wants to make it as easy as possible for you to process your claim if your travel has not gone to plan. Therefore, a claim is as easy as:
- Downloading a claim form from the Go Insurance website.
- Completing the claim within 30 days of returning to Australia, or before your policy expires, whichever comes first.
- Return your completed claim form with all relevant documentation to Go Insurance via email or post.
- When your claim is received you will be notified by email. Your claim will then be processed within 10 business days, and Go Insurance will contact you with the outcome, or to discuss any further information needed. From the beginning of your application, to tailoring your cover, to answering your questions to helping speedily process your claim if the worst does happen, Go Insurance helps you focus on and enjoy the most important parts of your holiday, and be protected from the potential hazards.