InsureandGo

InsureandGo Travel Insurance Review

InsureandGo travel insurance has three Oz-friendly plans to choose from. Its most premium option has some impressive cover limits, making it a great option for luxury travellers.

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Important:

Travel insurance rules continue to change as a result of the pandemic. Some information may not be accurate at this time. It’s even more important to double-check all details that matter to you before taking out cover. Please note:
    • Some policies may not be available through Finder at this time
    • It’s unlikely that your policy will cover expenses from border closures

    Our Verdict

    • This brand's Gold Domestic policy offers a whopping $50,000 cover limit for trip cancellation or amendment. What's more, its rental car cover of up to $7,500 is one of the highest sums around.
    • At the time of writing (November 2021), InsureandGo offered a 10% saving on new policies. This was more than the 7% on offer from Tick.
    • InsureandGo do offer specific cover for some pandemic-linked expenses through some single trip overseas policies (Silver and Gold) and its domestic plans. Its Silver and Gold plans offer unlimited cover for emergency medical expenses. However, read the fine print with care to know what is and isn't covered.

    Review by our senior insurance writer James Martin

    With three different domestic plans to choose from, and some international cover options, you shouldn't ever have to purchase more protection than you need with InsureandGo.

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    Who is InsureandGo?

    InsureandGo Australia is a multinational insurance, reinsurance and assistance services provider with 40 offices located throughout Europe, America, Asia and Africa.

    While choosing travel insurance can be tricky, InsureandGo has an extensive, 24/7 global assistance network, with over 31,500 points of assistance across every continent so you know you're looking at a solid choice.

    Pros and cons of InsureandGo insurance

    Pros

    • Rental car excess waiver of $7,500 is one of the highest available.
    • Cover is available to travellers up to 100 years of age.
    • Pregnant travellers will be covered up to 30 weeks.

    Cons

    • Doesn't cover any pre-existing medical conditions as standard; you must complete a medical questionnaire for assessment.
    • Multi-trip plans not available to travellers aged 60 years and older.
    • Any claims to do with motorcycles are excluded from cover.

    Get a quote from InsureandGo Travel Insurance

    Name Product Cancellation and amendment fees Theft or damage to lugagge Rental car excess insurance COVID-19 expenses Standard excess
    InsureandGo Bare Essentials Domestic
    • $2,000
    • $2,000
    No Cover
    $100
    ⭐ Finder Exclusive: Save 10% on your travel premium and enjoy competitive cover limits on trips you make in Australia with InsureandGo. Ts&Cs apply.
    InsureandGo Silver Domestic
    • $10,000
    • $5,000
    $4,000
    Some cover
    $100
    ⭐ Finder Exclusive: Save 10% on your travel premium and enjoy competitive cover limits on trips you make in Australia with InsureandGo. Ts&Cs apply.
    InsureandGo Gold Domestic
    • $50,000
    • $8,000
    $7,500
    Some cover
    $100
    ⭐ Finder Exclusive: Save 10% on your travel premium and enjoy competitive cover limits on trips you make in Australia with InsureandGo. Ts&Cs apply.
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    What type of policies are offered?

    InsureandGo's policies can be broken down into the following options.

    One-Trip Gold

    One-Trip Silver

    One-Trip Bare Essentials

    Annual Multi-Trip

    Domestic

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

    Insureandgo cruise travel insurance

    All the benefits of a One-Trip policy plus additional inclusions that are unique to cruising. These include:

    • Missed cruise departures should you miss the scheduled departure of your pre-booked cruise due to events such as a mechanical breakdown, transport accident or weather
    • Reimbursement for shore excursions if it’s necessary for your cruise to be cancelled or cut short
    • Cabin confinement due to medical reasons as advised by a ship medical officer

    Insureandgo backpacker travel insurance

    InsureandGo is one of the very few brands that offer tailored cover designed specifically for backpackers. You have the option of choosing a silver or gold policy.

    • Get up to 18 months of cover (12 months is the industry standard)
    • Add on cover for high-risk activities like cascading, paragliding and skydiving
    • Return home for up to 14 days without voiding your policy.
    • One-off repayment of up to $15,000 for your outstanding student loan if you suffer a permanent injury while travelling

    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.
    InsureandGo benefits explained

    • Overseas medical if something goes awry when you're on your trip and you have to visit the hospital or get other necessary medical care.
    • Travel delay expenses your scheduled transport being delayed for more than 12 hours after its stated departure time.
    • Cover for your luggage or belongings that end up getting damaged, stolen, or lost during your trip. If this happens, InsureandGo will repair or replace them up to the stated maximum per item.
    • Rental car excess if an accident happens to a car you've rented during your trip, and you’re liable to pay an excess to the rental company.
    • Special events weddings, funerals, conferences or sporting events if your scheduled transport to any of these gets delayed or cancelled.
    • Personal liability. if you're overseas and you end up owing legal fees or compensation to someone else due to an accident.

    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 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 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 which acts similar to winter sports cover, but for golf equipment and golf equipment hire.
    • Natural disaster cover for when you have to cancel your trip before departure or have travel delay or emergency expenses because of natural disasters.
    • Additional specified items cover which 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 can be purchased with the Backpackers insurance policy 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 smartraveller.gov.au).
    • 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

    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’ll need to include 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
    Non-emergency claims: 1300 401 177
    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 assistance@insureandgo.com.au

    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 travel insurance

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    Ask an Expert

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    26 Responses

      Default Gravatar
      SueDecember 11, 2017

      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?

        Avatarfinder Customer Care
        RenchDecember 12, 2017Staff

        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

      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.

        Cheers,
        Jonathan

      Default Gravatar
      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

        Avatarfinder Customer Care
        ZubairMay 1, 2017Staff

        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

      Default Gravatar
      RONFebruary 23, 2017

      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,

        Avatarfinder Customer Care
        ZubairFebruary 24, 2017Staff

        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

      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.

        Cheers,
        Richard

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