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Go Insurance Travel Insurance
Our verdict: In addition to standard travel insurance, Go offers cover for a range of specialist trips including dental tourism, sailing, destination weddings, group travel and corporate travel.
Go Insurance offers cover for a variety of trips that other insurers won't, including dental tourism, sailing, destination weddings, group travel and corporate travel.
With a range of optional covers, including snow sports cover, golf cover, water sports cover, business cover and cruise cover, travellers can tailor their policy appropriately.
Cons
Go Insurance doesn't have an online claims portal so the process you'll have to call or email to lodge a claim.
The limit for car hire excess benefit is $4,000 on Go's Elite policy and $2,500 on Go's Plus policy, lower than some other providers.
Go Insurance Travel Insurance is not currently available via Finder. You can head to the Go Insurance website or compare alternative options available below.
Go Insurance offers cover for COVID-19 in some situations, including:
Cancellation and amendment costs if you are diagnosed with COVID-19, if your relative or business partner is in a life-threatening condition due to COVID-19, or if you're denied access to public transport because you're suspected of having COVID-19.
Overseas emergency medical costs if you need treatment for COVID-19 while on your trip
There are some scenarios that are not covered by Go Insurance including if you knowingly travelled with COVID-19, if you cancel your trip out of precaution, or if you can't provide written proof from a medical professional when required.
What policies does Go Insurance offer?
Go Insurance offers three insurance policies to travellers: Go Basic, Go Plus and Go Elite.
Basic
Plus
Elite
The insurer of this product is Certain Underwriters at Lloyd's. It comes with a cooling-off period of 14 days and choice of $100 standard excess for international plans.
Here's a breakdown of Go Travel Insurance features
These are some of the main insured events that Go Insurance will cover. Some of these benefits may only apply to certain policies.
Overseas medical treatment
Lost, damaged or stolen property
Trip cancellation or amendment
Additional accommodation and transport
Theft of money
Luggage and travel delay
Kidnap and hijack
Personal liability
Accidental death
Optional add-ons
Go Insurance also offers multiple add-ons that provide cover for a wider range of risks.
Snow Sports Cover.Cover for loss of equipment, hire for replacement equipment, loss of use lessons or lift pass, piste closure and avalanche closure.
Business Cover Cover for business equipment, electronics, re-creation of documents, business money and replacement employees.
Water Sports Cover Cover for unused boat hire, water sports equipment, equipment hire, and loss of use of fees, passes and lessons.
Golf Cover Cover for gold equipment, equipment hire and unused golf fees..
Cruise Cover Extends your insurance policy to cover cruises and a range of cruise-related risks including missed shore visits, pre-paid excursions and cabin confinement.
Exclusions
Unfortunately, travel insurance doesn't cover everything. Generally, Go Insurance will not pay your claim if it relates to:
Unlawful, wreckless or unreasonably unsafe behaviour by you
Behaviour while you were drunk or under the influence of drugs
Expenses related to a pre-existing medical condition
Self-inflicted injury or illness, suicide or attempted suicide
Make sure you review the GO Insurance PDS for a detailed breakdown of what won't be covered, found under its list of general exclusions.
How to make a Go Travel Insurance claim
To lodge a claim with Go Insurance, call 0734 819 888 or email claims@goinsurance.com.au.
Alternatively, you can write to Go Insurance at the following address:
Go Insurance Claims Department PO Box 5964 Brendale Qld 4500 Australia
Here's the bottom line about Go Insurance Travel Insurance
Go Insurance has a wide range of options for travellers to tailor their cover and create a policy thats works well for them.
However, their claims process is still quite basic, with no online portal. This may be frustrating for some travellers who want a quick decision on claims.
Yes. If you suffer from a condition which is not covered under the policy, you can apply for cover by completing a medical screening.
Yes, Go Insurance does not offer travel insurance to people ages 75 and over. However, there are plenty of other providers that offer travel insurance to over 75s.
Yes, in most cases you can extend your policy if you let Go Insurance know your revised dates ahead of time. There may be an additional premium.
Request travel insurance quotes and compare policies
Nicola Middlemiss is a contributing writer at Finder, with a special interest in personal finance and insurance. Formerly a business and finance journalist, Nicola has written thousands of articles helping Australians better understand insurance and grow their personal wealth. She has contributed to a wide range of publications, including Domain, the Educator, Financy, Fundraising and Philanthropy, Insurance Business, MoneyMag, Mortgage Professional, Yahoo Finance, Your Investment Property, and Wealth Professional. Nicola has a Tier 1 General Insurance (General Advice) certification and a Bachelor's degree from the University of Leeds. See full bio
Nicola's expertise
Nicola has written 237 Finder guides across topics including:
Personal finance
Personal insurance, including car, health, home, life, pet and travel insurance
Compare Travel Insurance Direct policies online to save time and money. Travel Insurance Direct offers various policies including Annual multi-trip, The Works, The Basics and Domestic travel.
If time is valuable to you, Travel Insuranz may be suitable for you. With its fast online processing process, Travel Insurance provides easy access to protecting yourself for travel. Read its policy online.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
My wife and I are going for a seven day trip to Bali. My wife is a type 2 diabetic and I suffer with mild depression. Whilst I believe these illnesses are excluded under your policy, can we still be covered for other health problems or accidents which could occur whilst we are in Bali or in transit?
Finder
MayMarch 12, 2018Finder
Hi Andy,
Thanks for your question and for reaching to Finder.
Whilst we can’t recommend a specific insurance brand to you, there are guides on the following pages that might cover your conditions:
Best to check the insurer directly to get advice on the possible level of cover. Meantime, just would like to remind you though that at the moment, there’s no brand that can cover you for any claims related to Mt. Agung ash cloud.
Hope this helps.
Cheers,
May
MichaelJune 23, 2017
Would go insurance cover emergency medical evacuation from remote parts of Southern Africa, including Botswana, Zambia, Kenya, Tanzania ?
Finder
RenchJune 23, 2017Finder
Hi Michael,
Thanks for your inquiry. Please note that we are not affiliated with Go Insurance or any company we feature on our site and so we can only offer you general advice.
Overseas Medical Expenses includes Emergency Repatriation; additional travel and accommodation and funeral expenses. About the locations that you have mentioned, provided that the Government has not issued a do not travel in those countries, there is provision for cover under the policy. This is covered under Go Insurance.
You may contact Go Insurance directly for further information.
Hope this information helped.
Cheers,
Rench
HaydenAugust 5, 2015
I had 2 hip replacements 15 and 13 years ago. Six months ago I had a full check up with my surgeon which indicated everything was fine. Presumably this would then not affect the policy as a “pre-existing” illness?
Finder
RichardAugust 6, 2015Finder
Hi Hayden,
Thanks for your question. This may still be classed as a pre-existing condition. Every insurer is different in how they treat pre-existing conditions. For more information, please consult our guide on travel insurance for pre-existing conditions. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
SuzanneMarch 15, 2015
I’m in Bali and having a minor neck-lift tomorrow. Can I get medical travel insurance?
Finder
RichardMarch 17, 2015Finder
Hi Suzanne,
Thanks for your question. Unfortunately not. The only medical cover Go Travel Insurance provide is for dental tourism. Any other medical treatment is completely excluded from cover.
I hope this was helpful,
Richard
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My wife and I are going for a seven day trip to Bali. My wife is a type 2 diabetic and I suffer with mild depression. Whilst I believe these illnesses are excluded under your policy, can we still be covered for other health problems or accidents which could occur whilst we are in Bali or in transit?
Hi Andy,
Thanks for your question and for reaching to Finder.
Whilst we can’t recommend a specific insurance brand to you, there are guides on the following pages that might cover your conditions:
1. For bands that cover type 2 diabetes
2. For brands that cover depression
Best to check the insurer directly to get advice on the possible level of cover. Meantime, just would like to remind you though that at the moment, there’s no brand that can cover you for any claims related to Mt. Agung ash cloud.
Hope this helps.
Cheers,
May
Would go insurance cover emergency medical evacuation from remote parts of Southern Africa, including Botswana, Zambia, Kenya, Tanzania ?
Hi Michael,
Thanks for your inquiry. Please note that we are not affiliated with Go Insurance or any company we feature on our site and so we can only offer you general advice.
Overseas Medical Expenses includes Emergency Repatriation; additional travel and accommodation and funeral expenses. About the locations that you have mentioned, provided that the Government has not issued a do not travel in those countries, there is provision for cover under the policy. This is covered under Go Insurance.
You may contact Go Insurance directly for further information.
Hope this information helped.
Cheers,
Rench
I had 2 hip replacements 15 and 13 years ago. Six months ago I had a full check up with my surgeon which indicated everything was fine. Presumably this would then not affect the policy as a “pre-existing” illness?
Hi Hayden,
Thanks for your question. This may still be classed as a pre-existing condition. Every insurer is different in how they treat pre-existing conditions. For more information, please consult our guide on travel insurance for pre-existing conditions. Please make sure to read the eligibility criteria, features, and details of the policy, as well as the relevant Product Disclosure Statement of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.
I hope this was helpful,
Richard
I’m in Bali and having a minor neck-lift tomorrow. Can I get medical travel insurance?
Hi Suzanne,
Thanks for your question. Unfortunately not. The only medical cover Go Travel Insurance provide is for dental tourism. Any other medical treatment is completely excluded from cover.
I hope this was helpful,
Richard