| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $15,000 |
| Maximum Age Limit | 100 |
InsureandGo received the 2026 Finder Award for Best Domestic Travel Insurance.
Congratulations, InsureandGo!
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 2 years must be declared. |
| Approval | Many conditions are covered for no extra cost after screening. |
Verified Data & Insights: InsureandGo Australia (2025)
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:
If you want to compare how other insurers handle Covid-19 claims, we've outlined some of the providers that cover pandemic-related expenses.
InsureandGo has three different plans to choose from: Bare Essentials, Silver and Gold. You can purchase these plans either as a Single trip policy for travel within Australia or for International travel. Further to this, InsureandGo also offers separate policies for cruise travel.
Here are some of the key insured events you can expect from a policy:
Bare Essentials
Single Trip (International)
Silver
Single Trip (International)
Gold
Single Trip (International)
The insurance is underwritten by Europ Assistance Australia Pty Ltd and comes with a cooling-off period and excess.
The cooling-off period is 21 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."
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.
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:
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:
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.
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.
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.
Lack of evidence is the primary cause of claim delays. Ensure you have the following ready:
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.
If you're still not sure about InsureandGo, you can compare other travel insurance companies here.
Our verdict: AllClear Travel Insurance covers globetrotters of any age and more than 1,300 pre-existing medical conditions, including heart complications and diabetes.
Comprehensive review of the travel insurance policies on offer from ahm Travel Insurance.
Learn more about Teachers Health Travel Insurance
Will you get your money back if your travel agent goes bust before processing your booking? Here's what you need to know.
Tick Travel Insurance offers competitive single trip insurance to suit a range of travellers with three levels of cover to choose from.
Medibank is a leading travel insurance provider in Australia offering cover for international comprehensive, international medical only cover and more. Read the finder.com.au review for a breakdown of the policy and more.
Compare Westpac Travel Insurance, see features, and more.
NIB Travel Insurance: No age limit and cover for 40+ pre-existing medical conditions.
If you are looking for adequate travel cover from a renown provider, then Allianz Travel Insurance may right for you.
Compare benefits for COTA Travel Insurance.
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
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).
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,
Richard
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,
Regards,
Manami
Hi Manami,
Thanks for your question. While I can’t tell you the surcharges, I can help by providing general information. 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,
Richard