InsureandGo Travel Insurance

InsureandGo travel insurance has 7 different policies to suit most travellers.


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Travel insurance rules continue to change as a result of the coronavirus pandemic. We’re working hard to keep up and make sure our guides are up to date, however some information may not be accurate during the pandemic. It’s even more important to double-check all details that matter to you before taking out cover. Please know that some policies may not be available through Finder at this time. Here are some helpful tips:
    • If you're buying a policy today, it's unlikely that you'll be covered for any coronavirus-related claims
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered

    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.

    InsureandGo is not currently available via finder. You can visit their website at for more information or compare alternative options available below.

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    warning Finally, some good news! Domestic travel is picking up, so some insurers have started offering cover again 🦘
    Just remember, you won't be covered for any pandemic related claims if you do take out domestic travel insurance.
    International travel insurance is limited and sometimes unavailable at this point.

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    Summary of InsureandGo's Gold Policy

    Overseas Medical and Hospital ExpensesUnlimited
    Cancellation and Ammendment FeesUnlimited
    Luggage and Personal Effects$15,000
    Maximum Age LimitUp to the age of 100 at the date of application.

    Table updated June 2020

    Finder's favourite features:

    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

    What type of policies are offered?

    There are seven different insurance policies offered by InsureandGo, depending on what type of trip you're taking. Their main features are outlined below.

    One-Trip Gold

    One-Trip Silver

    One-Trip Bare Essentials

    Annual Multi-Trip


    Further to this, InsureandGo also offers separate policies for cruise travel and backpackers.

    Insureandgo cruise travel insurance

    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.

    Insureandgo backpacker travel insurance

    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.

    InsureandGo review of policy benefits

    We've outlined the seven individual policies you can purchase from InsureandGo, with the various important benefits included with each one.

    BenefitsOne-Trip GoldOne-Trip SilverOne-Trip Bare EssentialsAnnual Multi-TripDomesticBackpackersCruise
    Cancelling trip before departureUnlimited$15,000
    Medical expenses overseasUnlimitedUnlimitedUnlimitedUnlimited
    Dental expenses overseas$500$500$500$500
    Travel delay expenses$3,000 $1,000
    $2,000 $1,500 $1,000 $3,000
    Additional emergency expensesUnlimited$15,000$5,000$50,000$25,000$20,000Unlimited
    Personal belongings/luggage$15,000$6,000$2,000$8,000$8,000$6,000$15,000
    Personal liability$5,000,000$2,500,000$1,500,000$5,000,000$1,500,000$2,500,000$5,000,000
    Rental car excess$8,000$4,000
    Delayed luggage$750$500

    Table was last updated: June 2020

    What options can I add on to my InsureandGo travel insurance?

    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:

    • Winter sports cover. This provides cover for things like sports equipment hire and replacement, costs due to the problems like piste closure, avalanches and bad weather, and reimbursement for ski passes and lift passes you might not be able to fully use due to injury or illness.
    • Business cover. If your trip involves business operations, you can get reimbursed for business equipment hire and replacement, emergency courier expenses, business money, and staff replacement.
    • Golf cover. Similar to winter sports cover, but for golf equipment and golf equipment hire.
    • Natural disaster cover. This is for if you're worried about natural disasters interrupting your plans. If you have to cancel your trip before departure or have travel delay or emergency expenses because of natural disasters, you'll be covered where you wouldn't normally.
    • Additional specified items cover. This lets you raise the maximum amount paid out for certain nominated personal belongings if they were to be lost, damaged or stolen.
    • Additional Sports and Hazardous Activities. With the Backpackers insurance policy, you can purchase this option to be covered while doing a certain range of activities deemed "risky" like mountaineering etc.

    What won't be covered by my policy?

    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:

    • You or a travelling companion altered or cancelled your travel plans simply because you changed your mind.
    • You decide to continue with travel plans despite warnings from appropriate local or national authorities (like
    • It relates to a pre-existing medical condition you have not had approved by InsureandGo.
    • You or anyone you're travelling with is under the influence of non-prescribed drugs or alcohol.
    • You were acting irresponsibly or dangerously, or engaging in illegal or reckless activities.
    • It is related to the consequences of a risky or dangerous sport or activity.

    InsureandGo travel insurance claim and contact details

    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.

    Claims and contact details

    Emergency Assistance: 61 2 9333 3999

    Make a claim online: Start your claim process here

    Make a claim via post and email: Download the relevant form here

    Submit your completed form to this email address

    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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    Some questions you might still have about Insureandgo

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    26 Responses

      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,

      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.


      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,

      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.


      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.


      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,

      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,

      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,

      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,

      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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