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. It is a standout choice for those seeking competitive pricing and value for money.
How InsureandGo handles pre-existing medical conditions
Unlike some insurers that provide a "safe list" of automatically covered conditions, InsureandGo uses a real-time medical screening tool to assess every condition individually. This approach often results in a more tailored policy that offers excellent value for money.
Feature
Assessment Detail
Automatic Cover
None; all conditions must be declared.
Assessment Method
Online or phone-based medical questionnaire (approx. 5–10 minutes).
Cover Scope
Considers all conditions, including asthma, diabetes and heart conditions.
Wait Periods
Conditions diagnosed or treated in the last 5 years must be declared.
Approval
Many conditions are covered for no extra cost after screening.
Verified Data & Insights: InsureandGo Australia (2025)
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 do Australians think of InsureandGo travel insurance?
4.41/5 overall for Customer Satisfaction - higher than the average of 4.26
4.74/5 for Trust - higher than the average of 4.57
4.33/5 for Customer Service - higher than the average of 4.2
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.
"I was looking at travel insurance for my dad and found that InsureandGo Gold had the highest Finder Score. It covered what we were looking for, including unlimited cover for trip cancellation and overseas medical expenses. I was happy with the price and loved that there was also a 10% discount for signing up through Finder. Before signing up, I checked the claims process and liked that we could easily find the forms on their website to see what would need to be filled out as well as a contact email and number for any issues. The sign-up process was quite easy and involved a medical screening questionnaire which took about 5 minutes to complete."
Vanessa Tan
Finder crew member
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
To minimise delays and address mixed feedback regarding claim wait times, follow this comprehensive guide to ensure your submission is processed as efficiently as possible.
1. Lodge your claim promptly
You must register your claim within 30 days of completing your travel. The most efficient way to do this is via the InsureandGo online claims portal.
2. Gather mandatory documentation
Lack of evidence is the primary cause of claim delays. Ensure you have the following ready:
Proof of ownership: Original receipts, tax invoices or valuation certificates for lost or stolen items.
Medical evidence: If claiming for medical expenses, provide a medical certificate or report from the treating doctor overseas.
Official reports: Police reports (for theft) or carrier reports (for lost luggage) must be obtained within 24 hours of the incident.
Proof of travel: Your original flight itinerary and policy schedule.
3. Submit and track
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.
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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, Insurance News, 7NEWS and The Guardian. An experienced journalist, James' work has featured in publications including The Irish Times, Companies100 and In Business. 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).
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Finder guides across topics including:
if I am insured with Insure&Go (no existing medical conditions) and my partner (84yrs) has a medical issue will I be still covered re claim for return home or disruption to trip as a result of his issue
Finder
CeydaDecember 5, 2025Finder
Hi Merilyn, this will depend on your agreement with the insurer. Many insurers are willing to cover customers with a pre-existing condition, so long as they are informed before you purchase a policy. If the insurer agrees to cover the pre-existing condition, they may charge you an additional premium but you should be covered if you need to return home early due to the condition. You can learn more about this by checking out our guide. The best way to find out if you and your partner will be covered is to get in touch with Insure&Go directly by calling 1300 401 177. I hope this helps!
MelisaJuly 11, 2025
We are in Egypt and there is a military evacuation, do you cover for earlier flight evacuation, or a outbreak of unrest do you cover flight out.
Finder
SarahJuly 11, 2025Finder
Hi Melissa,
Sorry to hear about your situation, that sounds very stressful. We’re a review and comparison site so we can’t provide direct help, your best bet is to contact your insurer directly. Best of luck!
JamesJune 16, 2025
Does any travel insurance cover you when overseas and you have to return or cancel part of your cruise/ trip and return to Australia because of your parents death ( aged 92 ).
Finder
PetaJune 16, 2025Finder
Hi James, I’m sorry to hear this. Unfortunately I don’t know of any that would cover you. Most travel insurance policies have an exclusion for deaths over a certain age, typically 85yrs old.
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?
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.
Find out how to get travel insurance for children/under 18s travelling without the supervision of their parents and learn the terms and conditions for getting free child cover for your dependent child.
Domestic travel insurance can provide cover for trip cancellation (domestic flights), loss or damage to luggage and expensive items, car rental excess charges and much more. Find out why domestic travel insurance is worth getting and compare policies from Australian insurers.
Annual travel insurance not only lets you travel worry-free all year, but can also save you time and money in the process.
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if I am insured with Insure&Go (no existing medical conditions) and my partner (84yrs) has a medical issue will I be still covered re claim for return home or disruption to trip as a result of his issue
Hi Merilyn, this will depend on your agreement with the insurer. Many insurers are willing to cover customers with a pre-existing condition, so long as they are informed before you purchase a policy. If the insurer agrees to cover the pre-existing condition, they may charge you an additional premium but you should be covered if you need to return home early due to the condition. You can learn more about this by checking out our guide. The best way to find out if you and your partner will be covered is to get in touch with Insure&Go directly by calling 1300 401 177. I hope this helps!
We are in Egypt and there is a military evacuation, do you cover for earlier flight evacuation, or a outbreak of unrest do you cover flight out.
Hi Melissa,
Sorry to hear about your situation, that sounds very stressful. We’re a review and comparison site so we can’t provide direct help, your best bet is to contact your insurer directly. Best of luck!
Does any travel insurance cover you when overseas and you have to return or cancel part of your cruise/ trip and return to Australia because of your parents death ( aged 92 ).
Hi James, I’m sorry to hear this. Unfortunately I don’t know of any that would cover you. Most travel insurance policies have an exclusion for deaths over a certain age, typically 85yrs old.
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