InsureandGo Travel Insurance

InsureandGo

If you’re planning a big overseas holiday you need to find a travel insurance policy that can give you peace of mind during your travels. If you think InsureandGo is the right one for you, keep reading for some frequently asked questions, important features and possible exclusions on their travel insurance policies.

About InsureandGo

As a world wide travel insurer, InsureandGo is underwritten by Mitsui Sumitomo Insurance company Limited and provides cover to 1.6 million people each year. InsureandGo is Mozo’s Experts Choice “2015 Travel Insurer of the Year” and offer competitive premiums on award winning policies so you can travel with confidence.

Rates and fees verified as correct at 08 December, 2016. Other information correct at the time of writing.

InsureandGo travel insurance policies

InsureandGo offer a range of policies to suit all needs, from one-trip to annual multi-trip, and you can select individual, couple or family cover. They offer policies tailored to suit backpackers, seniors and families, with optional winter sports cover. Check out our table below for a list of InsureandGo’s available options:

  • Events

  • Limits shown apply

  • 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 problems

  • 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

    • Bare Essentials

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,000

    • $5,000

    • $1,500,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Silver

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $15,000

    • Events
    • $6,000

    • $15,000

    • $2,500

    • $37,500

    • $37,500

    • $5,200

    • $500

    • $2,500

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Gold

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $8,000

    • $50,000

    • $3,000

    • $5,000

    • $50,000

    • $50,000

    • $10,400

    • $1,250

    • $5,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Bare Essentials (with wintersports cover)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events
    • $2,000

    • $5,000

    • $1,500,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Silver (with wintersports cover)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • $15,000

    • Events
    • $6,000

    • $15,000

    • $2,500

    • $37,500

    • $37,500

    • $5,200

    • $500

    • $2,500

    • $4,000

    • $2,500,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Gold (with wintersports cover)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $8,000

    • $50,000

    • $3,000

    • $5,000

    • $50,000

    • $50,000

    • $10,400

    • $1,250

    • $5,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip Gold (30 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $8,000

    • $50,000

    • $3,000

    • $5,000

    • $50,000

    • $50,000

    • $10,400

    • $1,250

    • $5,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip Gold (45 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $8,000

    • $50,000

    • $3,000

    • $5,000

    • $50,000

    • $50,000

    • $10,400

    • $1,250

    • $5,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip Gold (60 days)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $8,000

    • $50,000

    • $3,000

    • $5,000

    • $50,000

    • $50,000

    • $10,400

    • $1,250

    • $5,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip Gold (30 days, with wintersports cover)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $8,000

    • $50,000

    • $3,000

    • $5,000

    • $50,000

    • $50,000

    • $10,400

    • $1,250

    • $5,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip Gold (45 days, with wintersports cover)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $8,000

    • $50,000

    • $3,000

    • $5,000

    • $50,000

    • $50,000

    • $10,400

    • $1,250

    • $5,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
    • Annual Multi-Trip Gold (60 days, with wintersports cover)

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Unlimited

    • Events
    • $8,000

    • $50,000

    • $3,000

    • $5,000

    • $50,000

    • $50,000

    • $10,400

    • $1,250

    • $5,000

    • $4,000

    • $5,000,000

    • Pre existing conditions
    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Optional

    • Activities covered
    • Optional

    More info
= Covered = Not covered

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).


Frequently asked questions about InsureandGo Travel Insurance

Q1. Who can apply for InsureandGo Travel Insurance?

If you are an Australian resident under 100 years of age you can apply for an InsureandGo travel insurance policy. If you’re a non-permanent resident, you need to have a valid Medicare, Private Health fund or Overseas Travel Student Travel Insurance policy to buy an InsureandGo international travel insurance policy.

The fine print is that if you’re over 50 years of age you’ll pay a higher premium, and if you’re under 18, a legal adult needs to purchase the policy on your behalf. The good news is that dependents under the age of 18 are covered free, as long as they are travelling with their parents or grandparents for the duration of the trip. If you’re under 18 and not travelling with your parents or grandparents, you’ll have to pay the full adult premium. Dependents under 16 need to travel with full adult supervision.

Q2. When’s the best time to purchase a travel insurance policy?

Generally, it’s best to buy your travel insurance policy as soon as you start booking your flights or accommodation, so you’ll be protected in case something goes wrong and you need to cancel your travel plans.

You can buy InsureandGo travel insurance policies up to the time you leave Australia - but not after you’ve flown out.

Q3. Are pre-existing medical conditions covered under InsureandGo Travel Insurance?

There are no pre-existing medical conditions that are automatically included from InsureandGo cover. You can apply for cover with any pre-existing medical condition, including the ones above, and InsureandGo may agree to cover them, but there might be a change in your policy, like special conditions or higher premium.

There are a number that are excluded, unless specifically accepted by InsureandGo at the time when you purchase your policy. These include terminal conditions or conditions that are in the process of being diagnosed, cancer, neurological disorders (such as stroke or epilepsy), breathing conditions, heart conditions, diabetes or psychiatric conditions.

Check out Mozo’s guide on travelling with pre existing medical conditions for more information.

Q4. Can I extend my InsureandGo Travel Insurance policy while I am travelling?

You can contact InsureandGO a request an extension on your policy only once per trip. You can extend up to 365 days, or 90 days if you’re over the age of 65. An additional premium will apply, depending on the length of your extension.

Q5. What options do I have to tailor my InsureandGo policy?

With an InsureandGo policy, you can choose optional extras to tailor your policy to suit your trip. These include winter sports cover, golf cover and business cover. These options are all available for an extra premium. You can also opt for a single (1 adult, unlimited dependents), couple (2 adults) or family (2 adults, unlimited dependents) policy.
The levels of cover include Bare Essentials, Silver and Gold. Some benefits on optional covers, like the additional items cover, are only available on Gold level policies.
You also have the option to remove or double your excess. If you remove excess, you’ll pay a higher premium, but no excess, except if you have a higher excess due to pre-existing medical conditions or sports activities. If you choose to double your excess, your premium is reduced, but your excess increases.

Q6. Is it possible to cancel my InsureandGo Travel Insurance policy?

When you buy an InsureandGo travel insurance policy, you have a 14 day cooling off period, during which you can cancel your cover for a full refund of your premium. This refund is available only as long as you haven’t made a claim or started your trip. You can contact them via post, email or phone to do this.

If you cancel after the cooling off period, you aren’t entitled to any refund.

Exclusions to look out for in InsureandGo Travel Insurance

To ensure that you won’t be left in the lurch when you go to make a claim on your travel insurance policy, it's important to read the fine print of your policy and know what is included and excluded under your cover. Here’s a quick checklist of some of the exclusions that apply to your Go Insurance policy. Your claim might be rejected if:

How to make a claim with InsureandGo Travel Insurance

To make a claim with InsureandGo, you’ll first need to go to their website and download the claims form that is suitable for your claim. Fill out the form and send it, along with all your relevant receipts and statements, to InsureandGo. Depending on your claim, you may need to send:

You need to submit your completed claims form and all the important documents that go with it within 30 days of the end of your trip. InsureandGo should contact you with the outcome of your claim within 10 business days.

How is InsureandGo Travel Insurance rated by the Mozo Community?

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

InsureandGo travel insurance

Overall 7.9*

Value for money

Trust

31 Reviews

* Overall rating based on reviews in the past 12 months.

Recent InsureandGo travel insurance reviews Recent InsureandGo travel insurance reviews

InsureandGo

InsureandGo travel insurance review

Overall rating   10 / 10

Great customer service

They were very helpful with all my questions.

Full review

They were very helpful with all my questions.

    Value for money   10 / 10

    Trust   10 / 10

Less

Amanda (NSW), reviewed about 1 year ago

InsureandGo

InsureandGo travel insurance review

Overall rating   10 / 10

Straightforward and easy to buy with great value

The cost of insurance was very competitive and great value. Very straightforward and clear, easy and fast process of buying on line was excellent.

Full review

The cost of insurance was very competitive and great value. Very straightforward and clear, easy and fast process of buying on line was excellent.

    Value for money   10 / 10

    Trust   10 / 10

Less

Jesus (NSW), reviewed over 1 year ago

InsureandGo

InsureandGo travel insurance review

Overall rating   6 / 10

Cheap yet comprehensive travel insurance

The cost was very competitive but went up considerably when I had a second unexpected hospital visit just before I went overseas. But overall, the cost was still better than most other travel insurances. The cover they offered was comparable and...

Full review

The cost was very competitive but went up considerably when I had a second unexpected hospital visit just before I went overseas. But overall, the cost was still better than most other travel insurances. The cover they offered was comparable and comprehensive.

    Value for money   8 / 10

    Trust   6 / 10

Less

Rebecca (NSW), reviewed over 1 year ago

InsureandGo

InsureandGo travel insurance review

Overall rating   10 / 10

Good value

Very good value for money and easy to purchase. I emailed them a question and the replied quick quickly which was good.

Full review

Very good value for money and easy to purchase. I emailed them a question and the replied quick quickly which was good.

    Value for money   10 / 10

    Trust   10 / 10

Less

Lisa (VIC), reviewed over 1 year ago

InsureandGo

InsureandGo travel insurance review

Overall rating   10 / 10

Great value policies and fabulous customer service

I find their policies great value. I use the annual multi trip policy which is far more cost effective for the way I travel. When I was in hospital in Mexico I had to make a claim for my expenses. It was paid within 10 working days and they even...

Full review

I find their policies great value. I use the annual multi trip policy which is far more cost effective for the way I travel. When I was in hospital in Mexico I had to make a claim for my expenses. It was paid within 10 working days and they even added the overnight hospital stay credit to my claim which I did not realise I was able to claim.

    Value for money   10 / 10

    Trust   10 / 10

Less

Nicole (VIC), reviewed over 1 year 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 InsureandGo Travel Insurance policies with other Australian Insurers

InsureandGO are an award winning travel insurance provider with lots of options to tailor your cover to your trip, but it pays to check out all your options before deciding on a policy for your next big trip. At Mozo we know that this can be time-consuming and sometimes overwhelming, so we’ve developed an easy to use travel insurance comparison tool. All we need from you is some simple travel details - destination, travel dates, number and age of travellers - and we’ll do the rest! We’ll give you a comparison of the best travel insurance options in the market today and you can choose the one that suits your trip and budget.

For more information on different types of travel insurance, take a look at our guides on snow travel insurance, cruise travel insurance or family travel insurance. And while you’re there, take a look at our best $20 series for some wise words from other travellers.

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