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Whatever you're doing, whether you're taking a cruise, backpacking through Europe, or just taking a tour of Australia, InsureandGo has a policy for you. With seven different plans to choose from, you won't ever have to purchase more protection than you need.
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1. Insureandgo considers ALL pre-existing conditions through an online medical assessment
2. Specially designed policy available for backpackers that includes up to 18 months travel with the option to visit home without voiding the policy
3. Specific cover for natural disaster is available as an add-on
There are seven different insurance policies offered by InsureandGo, depending on what type of trip you're taking. Their main features are outlined below.
This is InsureandGo's highest level of cover, involving essentials like medical expenses but also travel delay cover, luggage replacement, and more.
Silver is a cheaper version of Gold, maintaining unlimited medical expenses but with smaller maximum benefits for most other features like luggage replacement and travel delay.
InsureandGo's simplest form of cover. Unlimited medical cover, but minimal benefits for luggage, emergency expenses and not much else.
This policy is similar to the One-Trip Gold policy, and is designed for somebody who will be taking several trips beginning and ending at home in a single year.
This omits medical expenses, but otherwise has comparable benefits to the One-Trip Silver plan. For travel in Australia.
Further to this, InsureandGo also offer separate policies for cruise travel and backpackers.
Specific cover if cruising is part of your trip. This gives you cover for things such as missed cruise departures, reimbursement for cancelled shore excursions and cabin confinement. These are additional benefits to your bare essentials, silver or gold policy.
This policy is designed specifically for backpackers. InsureandGo are one of the very few brands that offer tailored cover. You have the option of choosing a silver or gold policy. On top of this, you can get up to 18 months of cover (12 months is the industry standard), option to add on cover for high risk activities, and you can even return home for up to 14 days without voiding your policy. If you're travelling for a long time, it's not out of the question that you might visit home for a bit.
We've outlined the seven individual policies you can purchase from InsureandGo, with the various important benefits included with each one.
|Benefits||One-Trip Gold||One-Trip Silver||One-Trip Bare Essentials||Annual Multi-Trip||Domestic||Backpackers||Cruise|
|Cancelling trip before departure||Unlimited||$15,000||Unlimited||$50,000||$10,000||Unlimited|
|Medical expenses overseas||Unlimited||Unlimited||Unlimited||Unlimited||Unlimited||Unlimited|
|Dental expenses overseas||$500||$500||$500||$500||$500||$500|
|Travel delay expenses||$2,000||$1,000||$2,000||$1,500||$1,000||$2,000|
|Additional emergency expenses||$50,000||$15,000||$5,000||$50,000||$25,000||$20,000||$50,000|
|Rental car excess||$4,000||$4,000||$4,000||$7,500||$4,000||$4,000|
Table was last updated: July 2019
Depending on which type of policy you are purchasing, you can choose from the following options for an added premium, in addition to the benefits covered above:
When considering insurance policies, it's very important to consider the circumstances under which you will not have your claim paid. InsureandGo won't cover you when your claim arises if:
It is not always easy to make a claim; however, to ensure a hassle-free experience with InsureandGo, you must first download the appropriate claim form from the InsureandGo website. There are different forms for different claims, for example, there's a form for baggage claim and another for medical emergencies.
To ensure that your claims are received and processed within an acceptable time frame, all claims must be:
Emergency Assistance: 61 2 9333 3999
Make a claim online: Start your claim process here https://quote.insureandgo.com.au/policylogin.aspx
Make a claim via post and email: Download the relevant form here https://www.insureandgo.com.au/travel-insurance/important-claims-information/manual-submittion.jsp
Submit your completed form to this email address firstname.lastname@example.org
Post your supporting documentation to Claims at InsureandGo Australia, Suite 1.04, Level 1, 19 Harris Street - Pyrmont, 2009 Sydney NSW.
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