InsureandGo Travel Insurance Review

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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Name	Product	Cancellation and amendment fees	Theft or damage to lugagge	Rental car excess insurance	COVID-19 expenses	Standard excess
InsureandGo Bare Essentials Domestic Exclusive		$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.	Get quote View details	Compare	loading Fetching your data...
InsureandGo Silver Domestic Exclusive		$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.	Get quote View details	Compare	loading Fetching your data...
InsureandGo Gold Domestic Exclusive		$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.	Get quote View details	Compare	loading Fetching your data...

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• Who underwrites InsureandGo travel insurance?

  InsureandGo is underwritten by Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816.

Summary of InsureandGo's One Trip Gold Policy

^{Table updated June 2021}

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.

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 is 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.

^{Table was last updated: June 2021}

• InsureandGo benefits explained

  • Overseas medical. If something goes awry when you're on your trip and you have to visit the hospital or get other necessary medical care, InsureandGo will foot the bill.
  • Travel delay expenses. When your scheduled transport gets delayed for more than 12 hours after its stated departure time, InsureandGo will help pay for accommodation and meals you might have to purchase as a result.
  • Personal belongings/luggage. Your luggage or belongings may end up getting damaged, stolen, or lost during your trip. If this happens, InsureandGo will repair or replace them up to the stated maximum per item.
  • Rental car excess. If an accident happens to a car you've rented during your trip, you may be liable to pay an excess to the rental company. This benefit will help pay that excess.
  • Special events. Weddings, funerals, conferences and sporting events. If your scheduled transport to any of these gets delayed or cancelled, you'll be covered for some of the costs you might incur arranging alternate transport to these events.
  • Personal liability. If you're overseas and you end up owing legal fees or compensation to someone else due to an accident, personal liability cover will kick in.

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.

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Some questions you might still have about Insureandgo

• How secure is the InsureandGo online application process?

  All personal and payment details are encrypted in your application before they are transmitted so that no one else can access your information. All you need to do is look for the padlock icon which is in either the address bar or on the status bar of your browser window.

• What policy information do you need to pack with your travel documents?

  When you go away on holiday it is a good idea to pack your Policy Schedule and Combined Product Disclosure Statement and Policy Wording booklet. These documents will be sent to you via post or email after your travel insurance policy is approved. If you can't or don't want to take these documents, you can simply note your policy number and the emergency assistance and claims telephone numbers.

• Can I get cover if I have a pre-existing medical condition?

  Can I get cover with Insureandgo if I have a pre-existing medical condition?

  With InsureandGo, you can get coverage for your preexisting medical conditions, if its declared at the quoting phase and you provide accurate information as it relates to your health. To qualify for the benefits associated with preexisting medical conditions, you will need to provide information for a series of easy-to-answer medical questions.

  After the question and answer phase, you will do a screening where you must provide information as it relates to recurring illnesses, lifelong or ongoing conditions, past surgeries or other medical conditions you are experiencing.

  In order for an illness to be considered as a pre-existing condition, it must fall under one of the following categories:

  • Diabetes
  • Heart related conditions
  • Blood circulatory conditions, for example, high blood pressure or high cholesterol
  • Asthma and other breathing problems
  • Neurological conditions and
  • Mental health issues along with a few others

  While InsureandGo acknowledges most preexisting medical conditions and illnesses, it's policies doesn't provide coverage:

  • If you were advised against travels by a medical practitioner.
  • If you have a terminal illness or
  • If you are awaiting results or have an undiagnosed illness.

• Is it worth getting an annual policy?

  If you are planning to travel several times in the space of a year then you will want to consider the annual multi trip policy as it can be the more affordable option, because you are covered for an unlimited number of trips within the year, with the maximum trip duration being between 30 and 60 days.

• What is the maximum age at which you can get travel insurance?

  InsureandGo covers travellers up to 100 years old.

• How do you qualify as an Australian permanent resident?

  An Australian permanent resident is someone who is entitled to live in Australia on a permanent basis, and you must meet this requirement to secure insurance with InsureandGo.

• How many children can be included on a travel insurance policy?

  You can insure an unlimited number of dependent children on your travel insurance policy for no extra charge if you have a single or family cover policy. You cannot cover dependents if you have taken out the couple cover policy. A dependent child is defined by InsureandGo as, 'Your financially dependent children or grandchildren (including fostered or adopted children or grandchildren) who are under 18 years of age and who are named on the Policy Schedule.'

• What is an insurance excess?

  The excess is the amount you need to pay when you make a claim, and this amount must be paid before you will receive any benefit payout. Excesses only apply to certain sections of the InsureandGo policies.

• How do pre-existing medical conditions affect travel insurance coverage?

  If you have a pre-existing medical condition and you are seeking travel insurance, you can call InsureandGo and directly discuss your needs to find a policy and coverage which suits your needs and budget.

• Can I cancel my policy if I'm not happy with it?

  If you are unhappy with or change your mind about an InsureandGo policy you have a 14 days cooling off period in which you can return the policy and receive a full refund of any premiums paid, as long as you have not made a claim, or commenced your trip.

• Is coverage included for pregnancy?

  Yes, up to until your 32nd week, for a single child pregnancy and up to until your 24th week, for a multiple child pregnancy.

• Is there emergency medical assistance available?

  As an InsureandGo customer you can call MAPFRE ASSISTANCE from anywhere in the world, 24 hours a day.

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