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InsureandGo Travel Insurance Review
Our verdict: InsureandGo travel insurance has three overseas and domestic plans to choose from with some impressive cover limits on offer in its most premium option.
How does InsureandGo Travel Insurance cover Covid-19?
InsureandGo is one of a growing list of providers that offer some cover for Covid-19. Here are some of the main benefits you'll find under its Silver and Gold policies:
Overseas medical expenses, including emergency medical, surgical, hospital, ambulance and repatriation costs where necessary.
Cancellation or trip disruption costs if you, a close relative or a travelling companion are diagnosed with Covid-19 after purchasing the policy.
Additional travel and accommodation expenses incurred after departure where you need to catch up to your original schedule.
If you want to compare how other insurers handle Covid-19 claims, we've outlined some of the providers that cover pandemic-related expenses.
What policies do InsureandGo offer?
InsureandGo has three different plans to choose from: Bare Essentials, Silver and Gold. You can purchase these plans either as a Domestic policy for travel within Australia or One Trip for international travel. Further to this, InsureandGo also offers separate policies for cruise travel and backpackers.
The insurance is underwritten by Mitsui Sumitomo Insurance Company Limited and comes with a cooling-off period and excess.
The cooling-off period is 14 days which means if you decide the policy is not suitable after all, you can cancel and receive a full refund, provided you haven't made a claim and your trip hasn't started. The standard excess is $100 and is the amount you're required to pay when you make a claim. You can pay an additional premium to waive the excess or reduce your premium by doubling the excess.
Here's a breakdown of InsureandGo travel insurance features
These are some of the features that InsureandGo can cover during your trip and leading up to it. Some of these features (like pet care cover), are often only available as part of the most comprehensive policy on offer, Gold.
Cancelling your trip before departure
Cutting your trip short
Delayed baggage
Legal expenses
Loss of income
Passport and travel documents
Personal belongings and baggage
Personal liability
Pet care
Overseas medical expenses
Rental car excess waiver
Travel delay expenses
Optional add-on
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:
Additional specified items cover lets you raise the maximum amount paid out for certain nominated personal belongings if they were to be lost, damaged or stolen.
Business cover for when 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 will insure your own golf equipment as well as the costs of golf equipment fees and hire such as green fess or golf tuition.
Natural disaster cover for when you have to cancel your trip before departure or have travel delay or emergency expenses because of natural disasters.
Winter sports cover for costs related to 14 types of winter sports activities and even things like avalanche cover, lift passes and ski gear.
Exclusions
When considering insurance policies, it's very important to review the circumstances under which you will not have your claim paid. These are usually referred to as general exclusions in your policy wording. InsureandGo won't cover you when your claim arises if:
You decide to continue with travel plans despite warnings from appropriate local or national authorities (like smartraveller.gov.au).
You or a travelling companion altered or cancelled your travel plans simply because you changed your mind.
It is related to the consequences of a risky or dangerous sport or activity.
You or anyone you're travelling with is under the influence of non-prescribed drugs or alcohol.
This list is not exhaustive, so make sure you review InsureandGo's Product Disclosure Statement for a detailed breakdown of what is and isn't covered.
How to make a InsureandGo claim
Head to https://quote.insureandgo.com.au/policylogin.aspx
Enter your policy number, last name and date of birth
Complete your claim details by answering all sections
Upload any supporting documents relevant to your claim
Submit, and InsureandGo will contact you within 10 business days
Here's the bottom line about InsureandGo Travel Insurance
InsureandGo's range of policies should suit most types of travellers. You'll find cover for business travel, non-residents and senior travellers up to 100 years of age. Even its most affordable policy, Bare Essentials, has unlimited cover for overseas medical expenses and a small amount of cover for personal belongings and additional emergency expenses.
No insurer is perfect, however, and one area that InsureandGo does fall behind on is how it covers pre-existing medical conditions. There aren't any conditions covered as standard, which means you'll have to complete a medical questionnaire to determine if you'll be covered and how much you'll need to pay on top of a standard policy.
Yes, InsureandGo has a cruise travel insurance policy with three levels of cover: Bare Essentials, Silver and Gold. You can be covered for things like missed cruise departure and port cover, cruise delays, cabin confinement and reimbursements for shore excursions that are interrupted or cancelled by the cruise liner.
The insurer of InsureandGo's insurance is Mitsui Sumitomo Insurance Company Limited. The insurance is distributed and administered on its behalf by InsureandGo, an authorised representative.
Yes, InsureandGo covers travel to the UK as part of its One Trip policy.
If you cancel within InsureandGo's 14-day cooling off period and are yet to leave for your trip or make a claim, you can cancel your policy and receive a full refund. If you cancel after the cooling-off period, InsureandGo will refund you a proportion of the premium for the outstanding period of cover less any government charges and taxes that it cannot recover. This is also provided that you have not made a claim or exercised any other rights under the policy.
Cristal Dyer is a travel writer at Finder. She has been writing about travel for over five years and has visited over 40 countries around the world. Cristal currently travels full-time, writing about her favourite cities and food finds, and she is always on the lookout for amazing flight deals to share. See full bio
James Martin was the insurance editor at Finder. He has written on a range of insurance and finance topics for over 7 years. James often shares his insurance expertise as a media spokesperson and has appeared on Prime 7 News, WIN News, Insurance News, 7NEWS and The Guardian. He holds a Tier 1 General Insurance (General Advice) certification and a Tier 1 Generic Knowledge certification, both of which meet the requirements of ASIC Regulatory Guide 146 (RG146). See full bio
James's expertise
James has written 258 Finder guides across topics including:
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Hi
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?
Finder
RenchDecember 12, 2017Finder
Hi Sue,
Thanks for your inquiry.
According to our review on how Mt Agung impacts your Bali travel insurance and what you can claim for, InsureandGo they can only provide cover for policies that will be issued between 7:30pm (AEST) on 6th June 2018, and 8:00pm (AEST) on 8th June 2018. You may refer to the table from the first link above to know what date and time insurers stopped providing cover for Mount Agung as well as other volcano-related issues including the Bali ash cloud.
While you may not be covered for events related to Mt Agung, travel insurance can still cover you for unexpected medical expenses, prepaid expenses and lost luggage.
Best regards,
Rench
ElizabethJuly 25, 2017
Do you cover cancellations or disruptions to travel due to acts of Terrorism?
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.
Cheers,
Jonathan
JohnApril 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?
John
Finder
ZubairMay 1, 2017Finder
Hi John,
Thank you for your question.
You have contacted finder.com.au, an Australian comparison, an information service and not actually InsureandGo Travel Insurance.
In order to get cover from an Australian travel insurer, most insurers will require that your trip is from or to Australia.
I’M THINKING OF GOING TO BOTH ANAA AND KIRIBATI FLY FISHING AT DIFFERENT TIMES THIS YEAR. AS BOTH DESTINATIONS ONLY HAVE WEEKLY PLANE SERVICES, WOULD I BE COVERED FOR MEDICAL EVACUATION IF NEEDED AND WOULD I BE BETTER OFF IN GETTING A MULTI TRIP POLICY BEING 71 YEARS OF AGE,
Finder
ZubairFebruary 24, 2017Finder
Hi Jane,
Thank you for your question.
You have contacted finder.com.au and not actually Insure and Go Travel Insurance, finder.com.au is a comparison and information service and doesn’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.
Cheers,
Zubair
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.
Finder
RichardFebruary 2, 2017Finder
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.
Cheers,
Richard
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Hi
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?
Hi Sue,
Thanks for your inquiry.
According to our review on how Mt Agung impacts your Bali travel insurance and what you can claim for, InsureandGo they can only provide cover for policies that will be issued between 7:30pm (AEST) on 6th June 2018, and 8:00pm (AEST) on 8th June 2018. You may refer to the table from the first link above to know what date and time insurers stopped providing cover for Mount Agung as well as other volcano-related issues including the Bali ash cloud.
While you may not be covered for events related to Mt Agung, travel insurance can still cover you for unexpected medical expenses, prepaid expenses and lost luggage.
Best regards,
Rench
Do you cover cancellations or disruptions to travel due to acts of Terrorism?
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.
Cheers,
Jonathan
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?
John
Hi John,
Thank you for your question.
You have contacted finder.com.au, an Australian comparison, an information service and not actually InsureandGo Travel Insurance.
In order to get cover from an Australian travel insurer, most insurers will require that your trip is from or to Australia.
If you are travelling from Australia you may find our travel insurance for non-residents article helpful.
All the best,
Zubair
I’M THINKING OF GOING TO BOTH ANAA AND KIRIBATI FLY FISHING AT DIFFERENT TIMES THIS YEAR. AS BOTH DESTINATIONS ONLY HAVE WEEKLY PLANE SERVICES, WOULD I BE COVERED FOR MEDICAL EVACUATION IF NEEDED AND WOULD I BE BETTER OFF IN GETTING A MULTI TRIP POLICY BEING 71 YEARS OF AGE,
Hi Jane,
Thank you for your question.
You have contacted finder.com.au and not actually Insure and Go Travel Insurance, finder.com.au is a comparison and information service and doesn’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.
Cheers,
Zubair
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.
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.
Cheers,
Richard