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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InsureandGo

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Important:

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 border closures
    • If your travel plans go against government advice, your policy will most likely be voided and you won't be covered

    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 (April 2021), InsureandGo offered a 10% saving on new policies. This was more than the 7% on offer from Tick.
    • InsureandGo wasn't one of the five travel insurance brands we could find who offered specific cover for pandemic-linked expenses.

    Review by our life insurance senior writer James Martin

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

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    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
    $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
    $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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    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?

    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

    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.

    Compare InsureandGo policies

    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
    Unlimited$50,000$10,000Unlimited
    Medical expenses overseasUnlimitedUnlimitedUnlimitedUnlimited
    UnlimitedUnlimited
    Dental expenses overseas$500$500$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
    $4,000$7,500$4,000$8,000
    Delayed luggage$750$500
    $750$500$200$750

    Table was last updated: June 2021

    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 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

    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 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

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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
      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?
      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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