InsureAndGo travel insurance

Insure and Go Travel Insurance

InsureandGo Travel Insurance Review - Compare Policies and Access Discounts Online

InsureandGo were founded in 2000 and have always remained dedicated to offering reliable, trustworthy, affordable and comprehensive travel insurance solutions. The result is a wide range of product or services for business trips, local holidays or international adventures, covering a range of people and activities. For example your InsureandGo policy can cover over 50 sports at no extra charge, and dependent children can be covered on your single or family policy for free.

This review will explore the cover available from Insureandgo and other details you should know before applying.

Comparison of InsureandGo travel insurance policies

Brands Product Product Details Apply
InsureandGo Bare Essentials Single Trip

Unlimited overseas medical expenses

$1,500,000 personal liability

$2,000 baggage

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InsureandGo Silver Single Trip

$15,000 cancellation fee

Unlimited overseas medical expenses

$6,000 luggage and personal effects

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InsureandGo Gold Single trip

Unlimited cancellation fee

Unlimited overseas medical expenses

$5,000,000 personal liability

$8,000 luggage and personal effects

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InsureandGo GOLD AMT 30 Days

Unlimited cancellation fee

Unlimited overseas medical expenses

$5,000,000 personal liability

$8,000 luggage and personal effects

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InsureandGo GOLD AMT 45 Days

Unlimited cancellation fee

Unlimited medical expenses

$5,000,000 personal liability

$8,000 luggage

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InsureandGo GOLD AMT 60 Days

Unlimited cancellation fee

Unlimited overseas medical expenses

Unlimited personal liability

$8,000 luggage and personal effects

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InsureandGo Seniors

Cover for all seniors aged 60-100 years

Unlimited cancellation with gold policy

Cover for 90 sports and activities

$8,000 luggage and personal effects

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InsureandGo Winter Sports Cover

Overseas emergency medical assistance

14 winter sports activities covered

$600 cover for prepaid ski hire, ski passes and ski equipment

24hr emergency assistance

$1250 cover for damage to winter sports equipment

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InsureandGo Domestic

$10,000 cancellation fee

$1,500,000 personal liability

$5,000 emergency expenses

$5,000 luggage and personal effects

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InsureandGo InsureandGo Backpackers

Cover up to 18 months of travel

Unlimited overseas medical expenses

Cover for up to $10,000 for curtailment

Multiple excess levels to choose from

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With InsureandGo you can choose from a wide range of travel insurance policies and coverage levels, so you can tailor insurance to your specific needs, and pay for only what you need. At the same time you also have the option to upgrade your policy if your circumstances or plans change, and there are a range of excess options to suit your budget.

Who Underwrites InsureandGo Travel Insurance?

InsureandGo Travel Insurance is provided and underwritten by MAPFRE ASISTENCIA COMPAÑÍA INTERNACIONAL DE SEGUROS Y REASEGUROS, S.A. (or MAPFRE ASISTENCIA for short).

MAPFRE ASISTENCIA is a multinational insurance and assistance company in Madrid, Spain. They have worldwide operations in Europe, America, Asia and Africa with over 161 million beneficiaries worldwide. In 2011 and 2013, MAPFRE ASISTENCIA was awarded Insurer/Underwriter of the Year at the ITIJ Awards.

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Travel insurance policies on offer from Insureandgo

Everyone has their own idea of the ideal holiday, and sometimes you have to travel for work or family reasons and don’t have a lot of control over your travel plans. However, regardless of your needs, InsureandGo has a range of policies so you can choose the one which best suits you:

  • One trip travel insurance. If you are going on a once off trip such as a big European adventure, or you have to go out on a business trip, then taking out a one trip policy can save you time and money. A one trip policy is competitively priced, yet covers you for a range of circumstances such as overseas medical bills, lost or damaged baggage, holiday cancellation, as well as accidental death or disability.
  • Annual multi trip policy. If it’s likely you will b travelling more than once in a year, then you can save by taking out an annual multi trip policy, which is one policy, that covers you for all of your travel in a 12 month period. You’ll also be covered for unlimited medical expenses, baggage claims up to $8,000, unlimited cancellation, 24 hour emergency medical assistance and you can add children to their parents’ policy for free.
  • Winter sports coverage. If you are planning a skiing, snowboarding or ice skating holiday for example, then you can choose the specialised winter sports travel insurance policy from InsureandGo. The policy is affordable and covers a number of winter sports such as off-piste skiing, snowboarding, and tobogganing. You’ll also have equipment coverage for up to $1,250, the choice of a one trip or annual multi trip policy, free coverage for your kids on your policy and access to 24 hour medical assistance. The winter sports activities you are covered for include:

Winter sports covered by InsureandGo

  • Recreational skiing/snowboarding
  • Bigfoot skiing
  • Cat skiing
  • Cross country skiing
  • Glacier skiing
  • Heli-skiing
  • Ice hockey
  • Ice skating
  • Lugeing (ice only)
  • Mono skiing
  • Off piste skiing
  • Recreational ski racing
  • Snowmobiling and
  • Tobogganing
  • Seniors travel insurance. You can take out an InsureandGo seniors travel insurance policy for an extended trip, a holiday to see family or friends, a cruise or a short break. Seniors can be covered for medical expenses, trip cancellation, for their personal belongings, and you can add your grandchildren to your policy for free. You’ll also be covered for more than 50 sports and activities. You can also take out seniors travel insurance as a single trip or multi trip policy for added savings.

More benefits of the InsureandGo Seniors Policy

  • A $28 starting fee for coverage of individuals up to 100 years old
  • Consideration for all preexisting medical conditions
  • No need for upfront medical assessment or certificates
  • Unlimited coverage for hospital and medical coverage
  • Customised coverage for cruise holidays
  • Free coverage for grandchildren
  • Upgrades for golf, winter sports and business travels
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Benefits available on InsureandGo Policies

Benefits Bare EssentialsSilverGold
Trip cancellationNo protection$15,000Unlimited coverage
Medical & EmergencyUnlimited coverageUnlimited CoverageUnlimited Coverage
Hospital StayNo protection$75 per day after the first 24 hours/$2,500 maximum$75 per day after the first 24 hours/ $5000 maximum
Trip InterruptionNo protection$15,000Unlimited coverage
Travel DelayNo protection$50 every 12 hour/maximum $1,000$100 every 12 hours/maximum $2000
Baggage & Personal Belongings$2000$6000$8000
Personal AccidentNo protectionUp to $37,000Up to $50,000
Personal Liability$1,500,000$2,500,000$5,000,000
Legal expensesNo protection$10,000$25,000
HijackNo protectionNo protection$2,500
Rental Car Excess WaiverNo protection$4,000$4,000
Loss of IncomeNo protection$5,200$10,000
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Additional options available on InsureandGo policies

Excess waiver

When it comes to filing a claim with InsureandGo, policyholders are required to pay an excess, the first part of the claim for each claimant. This excess, however, can be eliminated if you pay an extra premium, known as an excess waiver or eliminator; this eliminator will remove all excess fees. Another option available by InsureandGo is what is known as Double Excess, which doubles all excess paid and reduces your initial premium.

Optional cover extensions

In addition to the excess waiver, InsureandGo provide members with the option to tailor their policies with optional benefits, such as winter sports protection and additional protection for personal effects and luggage for specific items at an additional cost. You may also include business coverage for business equipment, emergency courier expense money for business and emergency staff replacement; and coverage for golf equipment and equipment hire as additional benefits options in your insurance policy.

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Making a claim with Insureandgo

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:

  • Registered within 30 days after your trip ends
  • Sent in with original receipts, invoices and all vouchers in relation to your expenses and loss. You must also be able to provide proof of ownership of lost, damaged or stolen items in order for payments to be made.
  • You must also include your policy schedule  with the signed and completed claim form.

To speed up the process, email the completed claim form to assistance@insureandgo.com.au and then mail the original document along with all required information to:

  • Claims at InsureandGo Australia,
  • Suite 1.04, Level 1,
  • 19 Harris Street-Pyrmont,
  • 2009 Sydney, NSW
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Some questions you might still have about Insureandgo

How secure is the InsureandGo online application process?

All personal and payment details are encrypted in your application before they are transmitted so that no one else can access your information. All you need to do is look for the padlock icon which is in either the address bar or on the status bar of your browser window.

What policy information do you need to pack with your travel documents?

When you go away on holiday it is a good idea to pack your Policy Schedule and Combined Product Disclosure Statement and Policy Wording booklet. These documents will be sent to you via post or email after your travel insurance policy is approved. If you can’t or don’t want to take these documents, you can simply note your policy number and the emergency assistance and claims telephone numbers.

Can I get cover if I have a pre-existing medical condition?

Can I get cover with Insureandgo if I have a pre-existing medical condition?

With InsureandGo, you can get coverage for your preexisting medical conditions, if its declared at the quoting phase and you provide accurate information as it relates to your health. To qualify for the benefits associated with preexisting medical conditions, you will need to provide information for a series of easy-to-answer medical questions.

After the question an answer phase, you will do a screening where you must provide information as it relates to recurring illnesses, lifelong or ongoing conditions, past surgeries or other medical conditions you are experiencing.

In order for an illness to be considered as a pre-existing condition, it must fall under one of the following categories:

  • Diabetes
  • Heart elated conditions
  • Blood circulatory conditions, for example, high blood pressure or high cholesterol
  • Asthma and other breathing problems
  • Neurological conditions and
  • Mental health issues along with a few others

While InsureandGo acknowledges most preexisting medical conditions and illnesses, it's policies doesn’t provide coverage:

  • If you were advised against travels by a medical practitioner.
  • If you have a terminal illness or
  • If you are awaiting results or have an undiagnosed illness.

Which is the best policy for a regular traveller?

If you are planning to travel several times in the space of a year then you will want to consider the annual multi trip policy as it can be the more affordable option, because you are covered for an unlimited number of trips within the year, with the maximum trip duration being between 30 and 60 days.

What is the maximum age at which you can get travel insurance?

InsureandGo covers travellers up to 100 years old.

How do you qualify as an Australian permanent resident?

An Australian permanent resident is someone who is entitled to live in Australia on a permanent basis, and you must meet this requirement to secure insurance with InsureandGo.

How many children can be included on a travel insurance policy?

You can insure an unlimited number of dependent children on your travel insurance policy for no extra charge if you have a single or family cover policy. You cannot cover dependents if you have taken out the couple cover policy. A dependent child is defined by InsureandGo as, ‘Your financially dependent children or grandchildren (including fostered or adopted children or grandchildren) who are under 18 years of age and who are named on the Policy Schedule.’

What is an insurance excess?

The excess is the amount you need to pay when you make a claim, and this amount must be paid before you will receive any benefit payout. Excesses only apply to certain sections of the InsureandGo policies.

Are hazardous sports and activities covered?

You can be covered for over 50 sports and activities under your InsureandGo policy for no extra cost. These activities include bungee jumping and snorkelling for example. You will need to check the product disclosure statement for your specific policy to confirm which sports and activities you are covered for.

How do pre-existing medical conditions affect travel insurance coverage?

If you have a pre-existing medical condition and you are seeking travel insurance, you can call InsureandGo and directly discuss your needs to find a policy and coverage which suits your needs and budget.

Can I cancel my policy if I'm not happy with it?

If you are unhappy with or change your mind about an InsureandGo policy you have a 14 day cooling off period in which you can return the policy and receive a full refund of any premiums paid, as long as you have not made a claim, or commenced your trip.

Can I cancel my policy if I'm not happy with it?

If you are unhappy with or change your mind about an InsureandGo policy you have a 14 day cooling off period in which you can return the policy and receive a full refund of any premiums paid, as long as you have not made a claim, or commenced your trip.

Is coverage included for pregnancy?

InsureandGo can only provide cover for claims relating to pregnancy or childbirth if an unexpected medical complication or emergency occurs in the first 26 weeks of the pregnancy, or early childbirth occurs after 26 weeks, and was accelerated by an accidental injury.

Is there emergency medical assistance available?

As an InsureandGo customer you can call MAPFRE ASSISTANCE from anywhere in the world, 24 hours a day.

Ready to receive a quote for InsureandGo Travel Insurance?

Travel insurance an important extra to consider whenever you set off for a holiday or business trip, no matter how long or short your planned travel will be. Luckily there are a range of affordable, comprehensive and easy to understand travel insurance policies available to Australian travellers travelling locally or domestically, and comparing the InsureandGo policies can help you decide on the type of coverage you need.

Compare InsureandGo Travel Insurance Quotes

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14 Responses to Insure and Go Travel Insurance

  1. Default Gravatar
    manami | June 6, 2016

    Hi, I would like to know the surcharge for age 81 and 58 both female.
    Is 28AUD only or depending on the age?
    Thank you for your prompt reply,
    Regards,
    Manami

    • Staff
      Richard | June 6, 2016

      Hi Manami,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. How much you’ll be charged for a policy will depend on your age, destination and the amount of time you’ll be away. To compare policies from the providers in our panel, please head to the travel insurance homepage. There you will be able to enter your travel details into the comparison engine and compare all of the providers in our panel.

      I hope this was helpful,
      Richard

  2. Default Gravatar
    Jacinta | August 26, 2015

    Hi I have MS will this affect my travel insurance? Also if a claim is made while away, how long until we receive the money. Like if I have to go to hospital or see a doctor, will we get the money straight away.

    • Staff
      Richard | August 27, 2015

      Hi Jacinta,

      Thanks for your question. InsureandGo claim to consider all conditions so they may be able to provide you with cover. How long claims take to be processed will depend on the claim and the situation.

      I hope this was helpful,
      Richard

  3. Default Gravatar
    Insureandgo | August 14, 2015

    I have a pacemaker will this affect the cost of quoted insurance policy

    • Staff
      Richard | August 17, 2015

      Hi,

      Thanks for your question. InsureandGo claim to assess and consider all pre-existing medical conditions, no matter what they are or how recently they occurred. finder.com.au is a comparison service and not an insurer, and we do not have access to information concerning the affect of preexisting conditions on the cost of a policy.

      I hope this was helpful,
      Richard

  4. Default Gravatar
    Nat | June 30, 2015

    Hi do you cover pregnancy after 28 weeks pregnant and child birth? How much?

    • Staff
      Richard | June 30, 2015

      Hi Nat,

      Thanks for your question. finder.com.au is a comparison service and not an insurer. If you are enquiring specifically about InureandGo, their policies provide cover up until you’re 32 weeks pregnant. If you would like to know the maximum weeks pregnant for the providers in our panel, please have a look at our travel insurance for pregnancy page.

      I hope this was helpful,
      Richard

  5. Default Gravatar
    Robyn | January 29, 2015

    your contact no so i can speak to someone please regarding insurance

    • Staff
      Shirley | January 29, 2015

      Hi Robyn,

      Thanks for your question.

      Please see this page for InsuranceandGo’s contact details.

      Cheers,
      Shirley

  6. Default Gravatar
    Peter | August 29, 2014

    Who is behind Insureandgo Travel Insurance in Australia?
    How do you claim ?

    • Staff
      William | August 29, 2014

      Hi Peter,

      Thank you for your enquiry. Insureandgo is underwritten by Mitsui Sumitomo Insurance Company. You can make a claim by visiting the InsureandGo claims page and downloading the claim form relevant to your claim. You may then follow the necessary prompts to submit the claim either by post or email.

      Thank you for your enquiry and all the best.

  7. Default Gravatar
    judi | September 18, 2013

    We have a multi -trip policy.
    We had to make a substantial medical claim (60K) on this policy on the first trip we took.
    Does this affect subsequent trips on this policy?

    • Staff
      Shirley | September 18, 2013

      Hi Judi,

      Thanks for your comment.

      Any specific questions about your policy should be directed straight to Insureandgo. If you need their contact number please let us know.

      Hope this helps,
      Shirley

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