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Looking at Go Insurance for coverage on your next big overseas trip? We’ve collected a heap of frequently asked questions, possible exclusions and essential features that you’ll need to know before you choose Go Insurance travel insurance.

About Go Insurance

Go Insurance was established in 2010 and provides customers with over 70 years of combined experience in the travel insurance industry. Underwritten by Lloyds, one of the world’s largest and most well established insurance providers, Go Insurance offers a range of travel insurance options designed to be flexible and tailored to your personal needs.

Rates and fees verified as correct at 19 May 2022. Other information correct at the time of writing.

Go Insurance travel insurance policies

Go Insurance offers three tiered policies: GO Basic, GO Plus, and GO Elite. Each tier will provide you with a larger amount of cover for each ‘module’ of your policy. When you buy a policy, you have the option to remove certain modules from the package, if there’s something you don’t believe you need.

  • Events

  • Limits shown apply

  • Covid medical cover

  • Covid cancellation cover

  • Overseas emergency hospital expense

  • Overseas emergency medical assistance

  • Maximum excess

  • Cancellation fees

  • Pay extra for no excess

  • Luggage and personal effects

  • Additional accomodation & travel

  • Emergency companion

  • Resumption of journey

  • Hospital cash allowance

  • Accidental death

  • Permanent disability

  • Loss of income

  • Credit Card fraud and replacement

  • Travellers cheques

  • Travel documents

  • Rental vehicle excess

  • Alternative travel expenses

  • Personal liability

  • Pre existing conditions

  • Asthma

  • Cancer

  • Cardiovascular disease

  • Mental health illness

  • Diabetes

  • Epilepsy

  • High cholesterol

  • High blood pressure

  • Pregnancy

  • Blood thinning medication

  • Activities covered

  • Bungee jumping

  • Conservation work

  • Mountain biking

  • Mountaineering

  • Rock climbing

  • Scuba diving

  • Sky diving

  • Surfing

  • Trekking

  • Snow sports

  • Ocean Cruise

    • Go Basic - Base

    • Per person

    • Unlimited

    • Unlimited

    • 300

    • Events
    • Unlimited

    • Unlimited

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Basic

    • Per person

    • Unlimited

    • Unlimited

    • 300

    • Events
    • $5,000

    • $2,500

    • Unlimited

    • Unlimited

    • $1,000

    • $500

    • $250

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Plus

    • Per person

    • Unlimited

    • Unlimited

    • 300

    • Events
    • $15,000

    • $7,500

    • Unlimited

    • Unlimited

    • $2,500

    • $2,000 ($50 per day)

    • $20,000

    • $20,000

    • $1,000

    • $500

    • $2,500

    • $2,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Elite

    • Per person

    • Unlimited

    • Unlimited

    • 300

    • Events
    • $25,000

    • $10,000

    • Unlimited

    • Unlimited

    • $5,000

    • $5,000 ($75 per day)

    • $30,000

    • $30,000

    • $2,000

    • $1,500

    • $4,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Elite Multi-Trip (31 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $25,000

    • $10,000

    • Unlimited

    • Unlimited

    • $5,000

    • $5,000 ($75 per day)

    • $30,000

    • $30,000

    • $2,000

    • $1,500

    • $4,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Plus Multi-Trip (31 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $15,000

    • $7,500

    • Unlimited

    • Unlimited

    • $2,500

    • $2,000 ($50 per day)

    • $20,000

    • $20,000

    • $1,000

    • $500

    • $2,500

    • $2,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Plus Multi-Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $15,000

    • $7,500

    • Unlimited

    • Unlimited

    • $2,500

    • $2,000 ($50 per day)

    • $20,000

    • $20,000

    • $1,000

    • $500

    • $2,500

    • $2,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Plus Multi-Trip (50 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $15,000

    • $7,500

    • Unlimited

    • Unlimited

    • $2,500

    • $2,000 ($50 per day)

    • $20,000

    • $20,000

    • $1,000

    • $500

    • $2,500

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Basic Multi-Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500

    • $2,500

    • Unlimited

    • Unlimited

    • $1,000

    • $500

    • $250

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Basic Multi-Trip (50 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500

    • $2,500

    • Unlimited

    • Unlimited

    • $1,000

    • $500

    • $250

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Basic Multi-Trip (31 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,500

    • $2,500

    • Unlimited

    • Unlimited

    • $1,000

    • $500

    • $250

    • $2,500,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Elite Multi-Trip (50 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $25,000

    • $10,000

    • Unlimited

    • Unlimited

    • $5,000

    • $5,000 ($75 per day)

    • $30,000

    • $30,000

    • $2,000

    • $1,500

    • $4,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
    • Go Elite Multi-Trip (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $25,000

    • $10,000

    • Unlimited

    • Unlimited

    • $5,000

    • $5,000 ($75 per day)

    • $30,000

    • $30,000

    • $2,000

    • $1,500

    • $4,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Assessment required, may cost extra

    • Activities covered
    • Optional

    More info
= Covered = Not covered

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

Any information provided on this page should be considered a summary and general advice only. All information should be verified before purchase via the relevant Product Disclosure Statement (PDS).


What is included in a Go Insurance travel insurance policy? 

Each tier of Go Insurance’s policies, from Basic, to Plus, to Elite, will award you an increase in the cover amount of your potential payout, should you require it. While all of Go Insurance’s policies cover overseas medical expenses, personal liability cover, and COVID-19 cover as standard, there are a few policy modules that are not included on the GO Basic policy.

But remember: check Mozo’s data fields or the Go Insurance Product Disclosure Statement (PDS) for details on pay-out limits and general exclusions for specific areas across the GO Basic, Go Plus, and GO Elite policy options.

The GO Basic policy covers:

Along with an increase in the coverage amounts of each part of your policy, the GO Plus and GO Elite packages could cover you for:

Does Go Insurance have COVID-19 cover?

Go Insurance does cover claims related to the COVID-19 pandemic, but only if the country you are travelling to is not listed on the Australian government’s Smartraveller site at a ‘Do Not Travel’ or ‘Reconsider Your Need to Travel' advice level. If where you’re going is on one of those levels, then they will not cover you for any coronavirus-related claims.

This is fairly standard practice across a lot of travel insurance companies at the moment, and relates to the risk of travelling to destinations that are higher risk due to the spread of COVID-19. 

What optional add-ons are available on a GO Insurance international travel insurance policy?

Go Insurance’s flexible optional extras provide cover for a wide range of potential overseas adventures, even for those specifically travelling for business. This includes snow sports, water sports, golf trips, and cruise holidays. You can choose to add any of these extras on top of the existing schedule of benefits across Go Insurance’s travel insurance range. 

What pre-existing medical conditions are covered? 

Pre-existing conditions will influence the premium you pay for travel insurance. But don’t let that sway you from travelling with a pre-existing condition, as cover can be simple enough to add. Besides, many travel insurance providers have automatic coverage for a wide variety of common pre-existing conditions. 

Go Insurance automatically provides cover for:

Make sure you check the PDS for details if you have a pre-existing condition, as there may be provisos which stop you from receiving automatic coverage. 

If you suffer from a pre-existing medical condition that is not automatically covered, you can still apply for coverage by contacting Go Insurance on 1300 819 888. You will have to complete a medical assessment to ensure that you’re fit to travel, and to ensure that your pre-existing medical condition is coverable by the provider. 

What sporting activities are covered with Go Insurance travel insurance?

Provided you are not competing professionally or as part of a competition, the following sport and leisure activities are covered:

This isn't an exhaustive list, so it’s a good idea to check the PDS to make sure any activities which you think you’ll be participating in are covered. 

Does Go Insurance cover motorcycle riding? 

You are covered if you’re riding or travelling as a passenger on motorcycles, mopeds, and scooters. However, you’re only covered when riding with a valid licence, or travelling as a passenger when the rider has a valid licence, you are wearing a helmet, and when you aren’t breaking any local safety laws.

What exclusions are there to look out for in a Go Insurance travel insurance policy?

If you’re travelling to a country that is on either of the Smartraveller advice levels of  ‘Reconsider your need to travel’, or ‘Do not travel’, then Go Insurance will not cover you for COVID-19. This includes medical expenses and trip cancellations or delays due to COVID-19 related events. This is standard procedure for many travel insurance providers, as the risks of travelling during the pandemic are much higher. 

Generally speaking, the exclusions to watch out for include any pre-existing medical conditions which can not be covered or have not been declared, medical and dental treatment received in Australia (due to Medicare covering many of these instances), willful exposure to needless danger, and legal liability arising from illegal actions. 

What do I do if there’s an emergency during my trip? 

Go Insurance’s emergency assistance team is available 24/7. If you need to contact Go Insurance in an emergency, you can call them on +61 (0) 7 3481 9880. If you can’t call them, they can also be reached via email at sos@goinsurance.com.au

Go Insurance should be contacted as soon as possible in an emergency situation, so that they know what’s going on and can help you out. For example, if you or someone in your group needs emergency medical assistance, then the provider can point you in the right direction of appropriate treatment. 

How do I make a claim with Go Insurance?

If you need to make a claim, you should notify Go Insurance as soon as possible. You can complete a claim by post, over the phone, via fax, or via email. 

Go Insurance’s contact details for claims are as follows:

To make a claim, first notify Go Insurance of its nature. Then, collect your supporting documentation. For example, if your claim arises from a medical or hospital expense, then you will need a doctor's report and related invoices. 

If you are having trouble with obtaining these, then Go Insurance’s team are able to help you out, when possible. After you have all the necessary documentation supporting your claim, you can then send copies through to Go Insurance via one of the aforementioned methods. Once your claim is assessed, you will be notified of its outcome.

Go Insurance customer reviews

Read how the Mozo community has rated Go Insurance Travel Insurance policies and services on a number of factors ranging from value for money to customer satisfaction.

Go Insurance travel insurance
6.0

Overall 6.0

6.8

Value for money

4.0

Policy coverage

1.0

Customer service

0.0

Claims handling

5.6

Trust

5 Reviews

Recent Go Insurance travel insurance customer reviews Recent Go Insurance travel insurance customer reviews

Go Insurance logo

Go Insurance Travel Insurance review

Overall rating   0 / 10

Horrible customer service

Never again! They refused a legitimate claim because I didn't call them first and it was a medical emergency! Never again.

Full review

Never again! They refused a legitimate claim because I didn't call them first and it was a medical emergency! Never again.

    Value for money   6 / 10

    Policy coverage   4 / 10

    Customer service   1 / 10

    Claims handling   0 / 10

    Trust   0 / 10

Less

Sofia, Queensland, reviewed over 4 years ago

Go Insurance logo

Go Insurance Travel Insurance review

Overall rating   8 / 10

easy

easy

    Value for money   8 / 10

    Trust   8 / 10

Less

Justin, Victoria, reviewed almost 7 years ago

Go Insurance logo

Go Insurance Travel Insurance review

Overall rating   5 / 10

meh

it was not an issue

Full review

it was not an issue

    Value for money   3 / 10

    Trust   4 / 10

Less

Barrie, Victoria, reviewed over 7 years ago

Go Insurance logo

Go Insurance Travel Insurance review

Overall rating   8 / 10

Good claim process

The claim process was made easy and the claims personnel were efficient and friendly. One will never know how good an insurer is until you have to make a claim. I have used Go Insurance on two occasions and have found them to be very good.

Full review

The claim process was made easy and the claims personnel were efficient and friendly. One will never know how good an insurer is until you have to make a claim. I have used Go Insurance on two occasions and have found them to be very good.

    Value for money   7 / 10

    Trust   8 / 10

Less

Anthony, Victoria, reviewed almost 8 years ago

Go Insurance logo

Go Insurance Travel Insurance review

Overall rating   9 / 10

Great premium & great service

I like this insurer because I was not slugged an extra premium for disclosing an existing medical condition.

Full review

I like this insurer because I was not slugged an extra premium for disclosing an existing medical condition.

    Value for money   10 / 10

    Trust   8 / 10

Less

Michael, Victoria, reviewed almost 8 years ago

Hide reviews

Mozo may receive a payment from financial providers listed on the site. Customer reviews are in no way affected by any commercial relationships Mozo has with providers. Reviewers may receive a voucher from Mozo in exchange for their review. Vouchers are given to all reviewers who meet our review guidelines regardless of the sentiment of their reviews.

Compare Go Insurance Travel Insurance policies with other Australian insurance providers

Go Insurance offers flexible policies that you can tailor to suit your trip, budget and the level of cover you need, but it’s always a good idea to see what options are out there before settling on a travel insurance policy. Here at Mozo we’ve taken the hassle out of the comparison process with our simple to use travel insurance comparison tool. All you need to do is enter your travel details - destination, travel dates, number and age of travellers - and we’ll show you the travel insurance options in the market today. Then it’s up to you to choose the one that suits you best!
For more information on different types of travel insurance, take a look at all our different travel guides. And for some great money saving tips for while you’re traveling, head over to our best $20 series for some wise words from real globetrotters.