| Overseas Medical and Hospital Expenses | Unlimited |
|---|---|
| Cancellation and Amendment Fees | Unlimited |
| Luggage and Personal Effects | $15,000 |
| Maximum Age Limit | 100 |
Table updated March 2025 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.
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We have a multi -trip policy.
We had to make a substantial medical claim (60K) on this policy on the first trip we took.
Does this affect subsequent trips on this policy?
Hi Judi,
Thanks for your comment.
Any specific questions about your policy should be directed straight to Insureandgo. If you need their contact number please let us know.
Hope this helps,
Shirley