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.

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  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover
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  • You can filter your results to customise your cover!
  • You can choose from Basic, Standard or Comprehensive Cover

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.

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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:
  • 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.
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Features of 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 $37,500Up 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$10,400
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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 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

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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.

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26 Responses

  1. Default Gravatar
    SueDecember 11, 2017

    We are planning on travelling to Bali on 22/12/17. Are you covering any claims associated with the Mt Agung Volcano at the moment? If so, what sort of cover do you offer?

    • Avatarfinder Customer Care
      RenchDecember 12, 2017Staff

      Hi Sue,

      Thanks for your inquiry. Please note that we are not affiliated with Insure and Go or any company we feature on our site and so we can only offer you general advice.

      If you are referring to Insure and Go Travel Insurance, please contact them directly by visiting their official site.

      You can also check this page for more info and compare your options for travel insurance covers for your trip to Bali.

      Best regards,

  2. Default Gravatar
    ElizabethJuly 25, 2017

    Do you cover cancellations or disruptions to travel due to acts of Terrorism?

    • Default Gravatar
      JonathanJuly 25, 2017

      Hello Elizabeth,

      Thank you for sending your inquiry.

      Based on the Product Disclosure Statement of InsureandGo General Exclusions, under Section A, you are not covered for, page 20 of 54, #6

      Any terrorist act or any loss incurred as a result of any intentional use of military force or other intervention by a government or official authority to intercept, prevent, or mitigate any known or suspected terrorist act.

      Hope this helps.


  3. Default Gravatar
    JohnWApril 29, 2017

    I’m a USA citizen and planning to make two overseas (Europe and South America) trips this year (total travel less that 40 days). Would any of your policies cover this situation?

    • Avatarfinder Customer Care
      ZubairMay 1, 2017Staff

      Hi John,

      Thank you for your question.

      You have contacted, an Australian comparison and information service and not actually InsureandGo Travel Insurance.

      In order to get cover from Australian travel insurer, most insurers will require that your trip be from or to Australia.

      If you are travelling from Australia you may find our travel insurance for non-residents article helpful.

      All the best,

  4. Default Gravatar
    RONFebruary 23, 2017


    • Avatarfinder Customer Care
      ZubairFebruary 24, 2017Staff

      Hi Jane,

      Thank you for your question.

      You have contacted and not actually Insure and Go Travel Insurance, is a comparison and information service and don’t represent any insurance brand listed on our website.

      Insure and Go Travel Insurance does provide cover for annual multi-trip policies for up to a age of 100 and will also cover you for evacuation and repatriation.

      Please make sure though to read the eligibility criteria, features and details of the policy, as well as the relevant PDS/T&C’s 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.


  5. Default Gravatar
    DouglasFebruary 1, 2017

    We will be travelling to Europe in July from the 17th till the 19th August, were then in Venice we pick up a cruise for 7 days
    returning to Venice, then flying on to Dubai for 2 days before returning home. What i want to know is do i have to take out a separate policy for the cruise.

    • Avatarfinder Customer Care
      RichardFebruary 2, 2017Staff

      Hi Douglas,

      Thanks for getting in touch. Many policies cover cruise as standard. Please head over to our cruise travel insurance page to find out more and to browse through the brands in our panel that offer this cover.


  6. Default Gravatar
    PeterJanuary 29, 2017

    I will be travelling to Vietnam on April 21, 2017 picking my Indonesian girlfriend up in Denpasar, Bali on the way. In Vietnam we will be going on a motorcycle tour with a group including a professional guide, from Hanoi to Ho Chi Minh City (Saigon) (April 24 to May 05). I am an experienced motorcyclist with an Australian open class motorcycle and also an international permit who has ridden in Asia on previous occasions, and my girlfriend will be pillion passenger on my bike. Bike is a 250cc Honda in as new condition. I will be 56 years old at the time and my girlfriend is 30 years old. My girlfriend will return to Denpasar on May 06 and I will return to Australia on May 07.
    I am trying to organise (medical only) insurance for my girlfriend and myself for this holiday, and preference would be if policy/policies were organised by the same insurance group. I have only just begun looking for insurance, but to date the organisations I have contacted have been prepared to insure me a but have not been prepared to insure my girlfriend as she is an Indonesian citizen living in Indonesia).

    • Avatarfinder Customer Care
      RichardJanuary 30, 2017Staff

      Hi Peter,

      Thanks for getting in touch. Unfortunately, the insurance brands in our panel either require the insured to be an Australian citizen or resident or have part of the journey either beginning or ending in Australia.

      All the best,

  7. Default Gravatar
    manamiJune 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,

    • Avatarfinder Customer Care
      RichardJune 6, 2016Staff

      Hi Manami,

      Thanks for your question. 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,

  8. Default Gravatar
    JacintaAugust 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.

    • Avatarfinder Customer Care
      RichardAugust 27, 2015Staff

      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,

  9. Default Gravatar
    InsureandgoAugust 14, 2015

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

    • Avatarfinder Customer Care
      RichardAugust 17, 2015Staff


      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. 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,

  10. Default Gravatar
    NatJune 30, 2015

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

    • Avatarfinder Customer Care
      RichardJune 30, 2015Staff

      Hi Nat,

      Thanks for your question. 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,

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