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.

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Nicola Middlemiss

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Go Insurance

Key takeaways

  • Go Insurance provides specialised cover for trips like dental, tourism, sailing and destination weddings.
  • Claims require phone or email submission as the insurer does not offer an online portal.
  • The Elite policy offers unlimited overseas medical cover with a maximum age limit of 75 (at the time of travel).

Pros

  • 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 $10,000 on Go's Elite policy and $2,500 on Go's Plus policy, lower than some other providers.
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Summary of Go Insurance Elite policy

Overseas Medical and Hospital ExpensesUnlimited
Cancellation and Amendment FeesThe amount noted on your Certificate of Insurance (for all insured persons)
Luggage and Personal Effects$10,000
Maximum Age Limit74

Table updated September 2023

How does Go Travel Insurance cover COVID-19?

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 multiple insurance policies to travellers: Go Basic, Go Plus and Go Elite.

Luggage

Basic

Passport

Plus

Travel plane luggage passport

Elite

The insurer of this product is Certain Underwriters at Lloyd's. It comes with a cooling-off period of 21 days and choice of $200 standard excess for international plans.

Here's a breakdown of Go Travel Insurance features

Standard features
Optional add-ons
Exclusions

Check icon

Standard 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

plus icon

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 golf 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.

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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
  • An act of war, invasion or revolution
  • Insolvency of a travel agent, tour operator or accommodation provider
  • Mandatory quarantines or isolations
  • An act of war, invasion or revolution
  • You being unfit to travel or travelling against medical advice
  • Childbirth or pregnancy complications after the 24th week of gestation or if you have had previous pregnancy complications
  • A multiple pregnancy or one where the conception was medically assisted
  • An elective medical or dental treatment, cosmetic procedure or body modification (including tattoos or piercing)
  • 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.

If you're still not sure about Go Insurance, you can compare other travel insurance companies here.

Frequently asked questions

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Nicola Middlemiss is a journalist with nearly a decade of experience in personal finance and insurance. She has contributed to Domain, Yahoo Finance, Money Magazine and Insurance Business Australia, offering in-depth insights into commercial insurance in the Australian market. Nicola holds a Bachelor’s degree in English from the University of Leeds and a Tier 1 General Insurance (General Advice) certification, which complies with ASIC standards. See full bio

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Nicola has written 170 Finder guides across topics including:
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8 Responses

    Andy's avatar
    AndyFebruary 20, 2018

    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?

      May's avatarFinder
      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:

      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

    Michael's avatar
    MichaelJune 23, 2017

    Would go insurance cover emergency medical evacuation from remote parts of Southern Africa, including Botswana, Zambia, Kenya, Tanzania ?

      Rench's avatarFinder
      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

    Hayden's avatar
    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?

      Richard's headshotFinder
      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

    Suzanne's avatar
    SuzanneMarch 15, 2015

    I’m in Bali and having a minor neck-lift tomorrow. Can I get medical travel insurance?

      Richard's headshotFinder
      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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