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youGo Travel Insurance customers can select from domestic or international plans for a single trip or annual multi-trip cover. YouGo also offers a number of flexible options to help customers tailor a policy that suits their requirements, including the ability to choose your own excess and optional activity cover. When you’re looking for travel insurance for your next holiday, you may want to consider the policies offered by youGo Travel Insurance.
youGo’s range of travel insurance policies includes the following policies:
For a better understanding of the cover offered under each policy, take a look at the following benefits summary comparison table:
Cover | International | Domestic | Domestic cancellation |
---|---|---|---|
Overseas medical and dental expenses | $Unlimited*• | – | – |
Additional expenses | $Unlimited∼• | – | – |
Amendment or cancellation costs | Cover Chosen∧• | $10,000 | Cover Chosen# |
Luggage and travel documents | $5,000° | $3,000° | – |
Delayed luggage allowance | $500 | – | – |
Money | $100 | – | – |
Rental car insurance excess | $2,000 | $4,000 | – |
Travel delay | $1,000 | $750 | – |
Resumption of journey | $3,000 | - | – |
Special events | $1,000 | $2,000 | – |
Hospital incidentals | $2,000 | – | – |
Hijacking | $5,000 | – | – |
Loss of income | $6,000+• up to $1,000 per month | $1,500+ up to $250 per month | – |
Disability | $20,000+• | $10,000+ | – |
Accidental death | $20,000+• | $10,000+ | – |
Personal liability | $2,500,000 | $200,000 | – |
Table updated: September 2019
*Medical cover will not exceed 12 months from onset
∼Limits apply to subsection 2 and 5f
+Maximum liability collectively for sections 13, 14 and 15 is $20,000 on International and $10,000 on Domestic
#You can choose $200, $400, $600, $800 or $1500
°For luggage item limits, see page 6 of the PDS
•Reduced limits may apply for customers 70 years or over. Limits will be shown on certificate of insurance
∧Cover chosen applies per policy, see page 6 of the PDS
Each plan option has its own limits, sub-limits, excess and duration of cover. Make sure you have read the relevant PDS to make sure you fully understand the level of cover you are getting and decide if the product is right for you.
Back to topHigher limits apply under an International policy, including up to $2,500 cover for cameras and up to $2,500 cover for laptops.
Under a single trip policy, youGo Travel Insurance splits regions of travel up into five areas. Area 5 is for travel within Australia and Area 4 covers trips to Indonesia, the South West Pacific, Norfolk Island, New Zealand and domestic cruise travel. Area 3 covers the UK and south-east Asia, while Area 2 provides cover for trips to Europe, Asia and the Middle East. Area 1 offers worldwide cover including the Americas and Africa, and you’ll need to select this area of cover if more than 20% of your trip is spent in the Americas or Africa.
Under an annual multi-trip policy, cover is split into just three areas of travel. Area 5 is for travel within Australia, Area 2 is worldwide cover excluding the Americas and Africa, and Area 1 is worldwide cover including the Americas and Africa.
Back to topyouGo’s travel insurance policies do not automatically provide cover for claims arising from, or exacerbated by, some pre-existing medical conditions or pregnancy. However, it is possible to apply for cover for your existing medical conditions, though your policy may be subject to special conditions, limitations and excesses before youGo Travel Insurance will approve your application.
youGo Travel Insurance defines an existing medical condition as:
a) Any physical defect, condition, illness or disease for which treatment, medication or advice (including investigation) has been received or prescribed by a medical or dental adviser in the 90 days prior to the Relevant Time; or
b) Any chronic or ongoing (whether chronic or otherwise) medical or dental condition, illness or disease medically documented prior to the Relevant Time.
youGo Travel Insurance splits existing medical conditions into three separate categories: conditions that are automatically covered, conditions which cannot be covered, and conditions that the insurer will need to assess. How conditions will be assessed can be found on page 9 of the PDS.
If you wish to lodge a claim with youGo Travel Insurance there are two ways you can go about it. The first way is to complete a claim online by logging onto claims.yougotravelinsurance.com.au and then following the prompts.
The second option is to download and print a claim form from yougotravelinsurance.com.au. You can then fill out this claim form and follow the instructions in terms of supporting evidence and documentation you have to supply. Depending on your claim, these documents may include police reports, receipts and valuations.
Your claim form and supporting documentation will then need to be sent to:
youGo Travel Insurance aims to process claims as quickly as possible and typically will be in touch within ten days of receiving your claim form.
If you’re looking for travel insurance that covers you for all the essentials affordably, youGo’s travel insurance policies may be well worth considering. They’re designed to be both flexible and feasible, so make sure to compare youGo’s cover with other products on the market to find the right travel insurance policy for your needs.
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Does youGo Travel Insurance covers cruise travel to pacific islands?
Hi R,
Thanks for your question. Yes, youGo does cover cruise travel, you’ll need to make you sure select the correct area of travel depending on the islands you’re travelling to, most likely Area 3 (UK & South East Asia) or Area 4 (Indonesia, South West Pacific &Â New Zealand).
I hope this was helpful,
Richard