InsureandGo Travel Insurance Review
InsureandGo is a competitive and reputable provider with comprehensive policies. Established travel insurance accessible and efficient, InsureandGo has been recognized for its exceptional customer service and user-friendly online platform.
Their products cater to different demographics, including options for seniors and families. InsureandGo’s awards, like the Finder 2023 award for “Best for Seniors” and multiple Canstar awards, reflect its industry leadership and dedication to providing quality travel insurance.
The provider’s policies include One-trip, Domestic, and Cruise Travel Insurance and feature unique elements like unlimited overseas medical expenses and cover an extensive list of sports and activities.
| 🔎 Date Established | 2000 |
| 🏦 Headquartered | Pyrmont, New South Wales, Australia |
| 🛡️ Regulation and Compliance | InsureandGo is regulated by the Australian Securities and Investments Commission (ASIC) |
| 🅰️ Type of Travel Insurance Plans Offered | One Trip, Domestic, Cruise, Annual Multi-Trip |
| 🅱️ Key Cover Areas | Medical cover, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation |
| 🚨 Emergency Assistance Services | 24/7 emergency assistance, including medical and non-medical support |
| 🤕 COVID-19 Cover | Cover for trip cancellations, medical expenses, and quarantine related to COVID-19 |
| 💶 Maximum Cover Limits | Medical expenses: Unlimited, Cancellation: Up to $5,000, Baggage: $15,000 |
| ⚽ Adventure and Sports Cover | Cover for select high-risk sports and activities available with specific upgrades |
| 🖱️ Claims Submission Process | Claims can be submitted online via the claims portal with the required documentation |
| ⏰ Average Claim Settlement Time | Response within 10 business days |
| 🥰 Customer Support Availability | Monday - Friday: 9 am to 5 pm (AEST), Saturday & Sunday: Closed |
| 💻 Mobile App and Digital Services | Available with features for policy management |
| ⭐ Customer Reviews and Ratings | Average ratings vary; check platforms for current ratings |
| 💵 Annual Premium Range | $68.57 to $338.61 per month, depending on the plan and age |
| ❌ Exclusions and Limitations | Pre-existing medical conditions travel against medical advice, specific high-risk destinations |
| 🎉 Discounts and Promotions | Discounts for couples, families, and group bookings available |
| ↪️ Policy Limits and Flexibility | Flexible policy duration up to 365 days with customisation options available |
| 🌎 Global Reach and Market Presence | InsureandGo operates primarily in Australia with offerings for international travellers |
InsureandGo Plan Comparison and Overview
| 🔎 Plan Option | 📌 Features | 📈 Min and Max Premium | 📊 Cover Limits | ❌ Exclusions | 🩷 Ideal For | 🚨 Emergency Assistance | 📲 Mobile App Offered | 🎉 Discounts Available |
| 🥇 One Trip Travel Insurance Bare Essential | Basic cover for a single trip; includes medical expenses and trip cancellation | From $68.57 per month | Medical expenses up to £5,000; trip cancellation up to £1,000; baggage up to £500 | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Budget-conscious travelers | ✅Yes | None | ✅Yes |
| 🥈 One Trip Travel Insurance Silver | Enhanced cover with higher limits and additional benefits | From $152.73 per month | Medical expenses up to £10,000; trip cancellation up to £2,500; baggage up to £1,000 | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Comprehensive cover for a single trip | ✅Yes | None | ✅Yes |
| 🥉 One Trip Travel Insurance Gold | Comprehensive cover with the highest limits and extensive benefits | From $172.57 per month | Medical expenses up to £15,000; trip cancellation up to £5,000; baggage up to £2,000 | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Extensive cover for a single trip | ✅Yes | None | ✅Yes |
| 🏅 Domestic Travel Insurance Bare Essentials | Basic cover for domestic trips; includes medical expenses and trip cancellation | From $65.46 per month | Medical expenses up to £1,000; trip cancellation up to £500; baggage up to £250 | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Those travelling within Australia who need essential cover | ✅Yes | None | ✅Yes |
| 🎖️ Domestic Travel Insurance Silver | Enhanced cover for domestic trips with higher limits and additional benefits | From $302.34 per month | Medical expenses up to £2,500; trip cancellation up to £1,000; baggage up to £500 | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Australian residents who want more comprehensive cover for domestic travel | ✅Yes | None | ✅Yes |
| 🥇 Domestic Travel Insurance Gold | Comprehensive cover for domestic trips with the highest limits and extensive benefits | From $338.61 per month | Medical expenses up to £5,000; trip cancellation up to £2,500; baggage up to £1,000 | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Australian residents who need extensive cover for domestic travel | ✅Yes | None | ✅Yes |
| 🥈 Cruise Travel Insurance Bare Essentials | Basic cover for cruise trips; includes medical expenses and trip cancellation | From $65.46 per month | Medical expenses up to £5,000; trip cancellation up to £1,000; baggage up to £500 | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Cruise passengers | ✅Yes | None | ✅Yes |
| 🥉 Cruise Travel Insurance Silver | Enhanced cover for cruise trips with higher limits and additional benefits | From $302.34 per month | Medical expenses up to £10,000; trip cancellation up to £2,500; baggage up to £1,000 | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Cruise passengers who need comprehensive cover | ✅Yes | None | ✅Yes |
| 🏅 Cruise Travel Insurance Gold | Comprehensive cover for cruise trips with the highest limits and extensive benefits | From $338.61 per month | Medical expenses up to £15,000; trip cancellation up to £5,000; baggage up to £2,000 | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Cruise passengers who require extensive cover | ✅Yes | None | ✅Yes |
| 🎖️ Annual Multi-Trip Travel Insurance | Cover for multiple trips within a year; includes medical expenses and trip cancellation | Varies | Medical expenses up to £5,000 per trip; trip cancellation up to £1,000 per trip; baggage up to £500 per trip | Pre-existing medical conditions; travel against medical advice; known events at the time of policy issue; incidents before travel | Frequent travellers who need cover for multiple trips during the year | ✅Yes | None | ✅Yes |
Travel Insurance Plans and Cover Options
InsuranceandGo offers more plan options than most travel insurance providers, allowing travelers to choose a suitable option according to their travel needs and plans. Below, we’ll explore the unique features and extent of the cover.
One Trip Travel Insurance
The One Trip plan is designed for individuals embarking on a single journey, offering a range of unique features tailored to their needs. It provides coverage for trips lasting up to 365 days, making it ideal for longer vacations.
Travelers also benefit from access to a dedicated support team, available 24/7 to assist with medical emergencies and travel disruptions, ensuring help is always within reach, no matter where you are. One of the standout features of this plan is its inclusivity, as it accepts travelers up to 100 years old, ensuring that older travelers are also able to obtain necessary coverage.
Unlike many competitors, the One Trip plan imposes no age-related restrictions on medical expenses, making it an excellent option for senior travelers looking for comprehensive insurance during their trips.
| 🔎 Benefit | 📌 Sum Insured |
| 📉 Cancelling your trip before departure | Unlimited |
| 📈 Medical and other expenses outside Australia | Unlimited |
| 📊 Hospital cash allowance | Up to $75 per day (up to $5,000) |
| 💹 Cutting your trip short | Unlimited |
| 💱 Personal belongings and baggage | $15,000 |
| 📉 Additional emergency expenses | Unlimited |
| 📈 Return of body or ashes to Australia | $50,000 |
| 📊 Funeral or burial expenses outside of Australia | $10,000 |
Domestic Travel Insurance
The Domestic plan is specifically designed for travel within Australia, offering several unique features to enhance the travel experience. It includes a simplified claims process, ensuring quick and straightforward handling of claims, particularly for domestic incidents.
The plan also provides compensation in the event of trip delays caused by specified events, offering added security for travelers. Tailored rental vehicle excess cover is another standout feature, addressing the specific needs of domestic travel scenarios.
Additionally, the policy includes emergency cash assistance, providing immediate financial support in case of emergencies while traveling within Australia, and ensuring that travelers have access to funds when they need them most.
| 🔎 Benefit | 📌 Sum Insured |
| 📉 Cancelling your trip before departure | Up to $50,000 |
| 📈 Cutting your trip short | Up to $25,000 |
| 📊 Additional emergency expenses | Up to $5,000 |
| 💹 Personal belongings and baggage | Up to $8,000 |
| 💱 Rental car excess waiver | Up to $4,000 |
| 📉 Accidental death and permanent disability | $15,000 |
Annual Multi-Trip Travel Insurance
The Annual Multi-Trip plan is designed for frequent travelers, offering several key benefits to make travel more convenient. It provides the flexibility to take multiple trips within a year without the need to purchase separate insurance for each journey.
The plan also includes automatic renewal options, ensuring continuous coverage with minimal hassle, and users can easily renew their plan online. Additionally, the plan allows for customizable cover levels, enabling travelers to add specific coverage, such as extreme sports or rental vehicle insurance, based on their needs.
It also includes cover for necessary changes to travel itineraries, including missed connections or adjustments due to unforeseen events, offering peace of mind for those with dynamic travel plans.
| 🔎 Benefit | 📌 Sum Insured |
| 📉 Unlimited overseas medical expenses | Unlimited |
| 📈 Unlimited cancellation cover | Unlimited |
| 📊 Personal belongings and baggage | Up to $15,000 |
| 💹 Cover for connecting flights | Included |
Cruise Travel Insurance
The Cruise plan is specifically designed for cruise-goers, offering a range of unique features tailored to the needs of those embarking on a voyage. It provides 24/7 access to assistance from specialists trained in handling cruise-related issues, ensuring travelers receive expert support throughout their journey.
The plan also protects against itinerary changes or missed ports due to weather conditions or mechanical issues, which are common in cruising. With clear guidelines on exclusions specific to cruise scenarios, travelers can easily understand their coverage and what is included.
Additionally, the plan covers medical treatment received on board, ensuring peace of mind for those needing care while at sea.
| 🔎 Benefit | 📌 Sum Insured |
| 📉 Trip cancellation cover | Specific unrecoverable costs |
| 📈 Medical expenses | Unlimited |
| 📊 Missed cruise departure | Up to $50,000 |
| 💹 Cabin confinement | $75 per day |
| 💱 Personal belongings and baggage | Up to $15,000 |
| 📉 Reimbursement for shore excursions | Specific unrecoverable costs |
| 📈 Cover for missed ports | Included |
Key Features and Benefits of InsureandGo Travel Insurance
InsureandGo travel insurance has comprehensive features and benefits for many traveler demographics, including families, seniors, and students. These offerings ensure that different groups are well-supported during their travels. Here’s what you can expect with InsureandGo:
- Covid-19 Cover is available in Silver and Gold policies.
- InsureandGo assesses all pre-existing medical conditions, allowing travelers with health concerns to be eligible for travel insurance.
- Pregnancy cover is available for up to 30 weeks and addresses the needs of expectant mothers traveling abroad.
- Immediate support is available for any emergency.
- InsureandGo covers certain natural disasters, including costs related to cancellation, trip interruptions, and emergency medical expenses arising from such events.
- InsureandGo offers tailored family options like child cover options and group discounts.
- Travelers who participate in skiing or snowboarding can get additional cover for winter sports to protect against risks specific to these activities.
- The online claims process is efficient and lets travelers submit and track claims with minimal hassle.
Moreover, Cover for Connecting Flights provides reassurance for multi-leg journeys and ensures that travelers can still receive assistance if one flight is missed due to delays or cancellations. Furthermore, Policies are available for individuals up to 100 years old, accommodating senior travelers without the typical restrictions of many other insurance plans.
InsureandGo Travel and Health Cover Overview
Travelers preparing for travel must understand the specifics of InsureandGo’s travel and health cover. Their policies extensively support medical expenses, ensuring travelers are protected regardless of the scenario. Here’s what you need to know before purchasing:
Key Health Cover Specifics
Medical Expenses
InsureandGo covers emergency medical expenses outside Australia, including hospital stays, doctor visits, and necessary treatments. However, the Domestic policy doesn’t include any medical expenses, requiring supplementary health insurance.
Pre-existing Conditions
Policyholders must disclose any pre-existing medical conditions during the application process
COVID-19 Cover
Policies include benefits for medical expenses related to COVID-19 and cancellation coverage if diagnosed after purchasing the policy. Specific limits apply to the Silver and Gold policies.
Pregnancy Considerations
Pregnancy-related emergencies are covered up to a certain number of weeks. Cancellations due to medically certified pregnancy complications are also accommodated under Silver and Gold policies.
Travel Against Medical Advice
Expenses incurred while traveling against a doctor’s advice will not be covered.
The 24/7 emergency assistance hotline ensures that travelers can get help for medical emergencies or locate local healthcare services abroad.
Pricing, Premiums, and Value for Money
InsureandGo offers a competitive pricing structure for its travel insurance plans, with premiums depending on the cover type, the traveler’s age, and the excess amount.
The value-for-money aspect of InsureandGo is notable because it provides extensive benefits for different travelers.
Premium Overview
Here are the starting premiums for InsureandGo’s primary plans for a single person under 25 years of age and standard excess amounts:
| 🔎 Plan Type | 1️⃣ Bare Essentials | 2️⃣ Silver | 3️⃣ Gold |
| 🥇 One Trip Travel Insurance | From $68.57 | From $152.73 | From $172.57 |
| 🥈 Domestic Travel Insurance | From $65.46 | From $302.34 | From $338.61 |
| 🥉 Cruise Travel Insurance | From $65.46 | From $302.34 | From $338.61 |
Understanding Excess
- Standard Excess: The standard excess amount for claims is $100. If you claim for $500, you will receive $400 once the excess is deducted.
- Choice of Excess: Customers can remove or double the excess during purchase. Choosing a higher excess will reduce the premium but increase out-of-pocket expenses during claims.
Excess amounts apply only to specific policy sections, detailed in the Table of Benefits in the relevant Policy Wording.
InsureandGo Travel Insurance Discounts and Incentives
While InsureandGo doesn’t offer specific discounts or bonuses, it provides plans that feature discounted fees, letting customers find options that suit their budget.
- Buying your travel insurance online could qualify you for a discount because some insurers often pass on savings from reduced administrative costs.
- Choosing a comprehensive plan with multiple benefits can lower overall costs instead of purchasing individual cover options separately.
- If you’re traveling as part of a group, InsureandGo offers discounts for bringing multiple travelers together.
Frequent travelers can choose an annual multi-trip policy. These policies are more economical than buying separate policies for each journey.
How Do I Apply For Travel Insurance with InsureandGo?
Applying for travel insurance with InsureandGo involves the following steps:
1. Step 1: Determine Eligibility
You must meet residency requirements because policies are only available for Australian citizens and permanent residents.
You must be between 18 and 100 years old at the time of application. Some policies have lower age limits.
2. Step 2: Choose Your Policy:
Review the plans (One Trip, Domestic, and Cruise) to determine which is ideal for your travel requirements.
Consider whether you need additional cover for specific activities or situations, such as natural disasters or winter sports.
3. Step 3: Purchase Method
You can apply for travel insurance using one of the following methods:
- Visit the InsureandGo website to complete your application.
- Call the InsureandGo hotline to purchase your policy directly.
4. Step 4: Disclose Medical Conditions:
Disclose all information about any pre-existing medical conditions to ensure proper assessment. Failure to disclose this information will lead to claim rejection.
5. Step 5: Select Excess Amount:
Decide on an excess amount for your policy. The standard excess is $100, but depending on the plan, you can adjust this amount during the application process. Familiarise yourself with the PDS, which outlines the specifics of your policy, including benefits, limitations, and exclusions.
6. Step 6: Upload the required documentation
Upload the required documentation alongside your application:
- Documentation to confirm your residency status in Australia.
- Valid ID to verify your age and identity.
- Details about any pre-existing medical conditions, including treatment history.
- Details for processing the premium payment.
How Can I Claim For Travel Insurance with InsureandGo?
Submitting a claim for your travel insurance with InsureandGo is easy, especially when you follow these detailed steps:
Registration Timeframe
Claims must be filed within 30 days after you complete your trip. You must adhere to this timeframe to ensure your claims are eligible.
Lodging a Claim
You have two options for submitting your claim:
- Visit the InsureandGo website to lodge your claim through their online claims portal.
- You can download a claims form from the website, complete it, and send it with your supporting documents to InsureandGo using the postal address.
Supporting Documentation
You must have the required documentation to support your claim, depending on what you’re claiming for. This can include, but is not limited to, the following:
- Receipts for any expenses incurred.
- Police report in cases of theft or loss.
- Medical reports for claims related to health issues.
Any additional evidence that substantiates your claim, like travel itineraries or booking confirmations.
Processing Times
InsureandGo responds to claims in 10 business days. This timeframe will vary depending on the claim’s complexity and whether all required proof has been submitted.
If you have questions about the claims process or need assistance, contact InsureandGo directly.
Can I add more than one person to my InsureandGo Travel Insurance Policy?
InsureandGo lets you add multiple people to your travel insurance policy, making the insurer and its plans ideal for families and groups to secure cover under a single plan. This feature is beneficial for groups and families traveling together. Here’s all the information you’ll need:
Adding Travellers At the Time of Purchase
Online Purchase: You can include additional travelers by entering their details during the online application.
Phone Purchase: If you apply over the phone, inform the representative about the additional persons you want to add, and they will assist you in incorporating them into the policy.
After Policy Issuance
If you need to add travelers after issuing the policy, you must contact InsureandGo directly. They will guide you through the process and inform you of additional premium costs.
Adding extra persons after the initial purchase will require amendments to your policy. You must provide updated documentation for additional travelers and get an updated policy from InsureandGo.
Important Conditions and Limitations
Including more travelers will likely increase your premium. InsureandGo will provide a quote for any additional charges incurred.
You can add unlimited dependent children or grandchildren under 18 at no extra cost if they are included in the family policy. All added travelers must understand the policy’s terms, conditions, and exclusions.
InsureandGo Travel Insurance Upgrades and Downgrades
InsureandGo lets you upgrade your travel insurance policies by adding extras. This benefit can enhance the level of coverage according to the traveler’s needs. While upgrades are readily available, downgrading a policy is not allowed after the cooling-off period has lapsed.
Policy Upgrades
InsureandGo offers several upgrades that policyholders can choose from, including:
- Natural Disaster Cover allows for claims related to natural disasters if purchased and specified in the policy schedule.
- Winter Sports Cover: Necessary for anyone engaging in winter sports activities, this upgrade ensures that injuries or incidents during such activities are covered.
- Business and Golf Cover: Additional options can be selected for cover specific to activities for those traveling for business or planning to play golf.
Key Features of Upgrades
Winter Sports Cover
| 🔎 Benefit | 💶 Sum Insured | 💵 Excess |
| 📉 Winter sports equipment | $1,250 | $100 |
| 📈 Winter sports equipment hire | $50 per day (up to $500) | Nil |
| 📊 Lift pass | $500 | $100 |
| 💹 Ski Pack | $150 per day (up to $600) | Nil |
| 💱 Piste closure | $50 per day (up to $500) | Nil |
| 📉 Avalanche cover | $600 | $100 |
Business Cover
| 🔎 Benefit | 💶 Sum Insured | 💵 Excess |
| 📉 Business equipment | $2,500 | $100 |
| 📈 Emergency courier expenses | $500 | $100 |
| 📊 Business Money | $1,000 | $100 |
| 💹 Replacing Staff | $5,000 | Nil |
Golf Cover
| 🔎 Benefit | 💶 Sum Insured | 💵 Excess |
| 📉 Golf equipment | $3,000 | $100 |
| 📈 Golf equipment hire | $100 per day (up to $1,000) | Nil |
InsureandGo Digital Tools and Apps
InsureandGo provides a single digital tool for customers: the “My InsureandGo” online portal. This platform facilitates account management and policy oversight.
- Users can access and modify existing policies, obtain new quotes, and review policy details conveniently.
- Policy documents, receipts, and other essential information can be retrieved anytime through the portal.
- Policyholders can enhance their cover by adding valuable items or protection for hazardous activities.
Overall, the “My InsureandGo” portal is a comprehensive resource for managing travel insurance. Users can quickly update personal information by logging into their accounts. They can also review policy benefits and ensure they have the necessary coverage before embarking on their journeys.
This digital tool simplifies the travel insurance process and makes it easier for policyholders to stay informed and adequately protected.
InsureandGo Travel Insurance Additional Services and Benefits
InsureandGo travel insurance policies include additional services and benefits to provide enhanced support during travels. Below are the key features associated with these offerings:
Additional Services and Benefits
Travel Alerts: Stay informed about global events affecting your travel plans. InsureandGo provides alerts regarding significant disruptions, such as natural disasters or global IT outages.
Personal Belongings and Baggage
Personal belongings and baggage cover are included across all plans, with reimbursement limits.
Claims for lost, stolen, or damaged items require proof of ownership, and there are exclusions for unattended vehicles.
Travel Delay Expenses
Additional expenses due to travel delays are covered if delays exceed 8 hours (Cruise) or 12 hours (One-trip).
Documentation from the transport provider is required to validate the delay.
Additional Specific Items Cover
Available only in the One-trip and Cruise policies at the Gold level, you can specify individual high-value items for an additional premium.
Cover limits up to $4,000 per item with necessary receipts or valuation certificates.
Passport and Travel Documents
All plans include cover for replacing lost or stolen passports and travel documents.
Cover limits vary by plan, and Bare Essentials cover restrictions apply.
Money
Each policy covers the replacement of lost or stolen personal money (notes and coins) with defined limits.
Proof of ownership is required, and conditions apply regarding unattended property.
Accidental Death and Permanent Disability
This benefit is included in all policies, with payout limits varying based on age and specific conditions.
Hijacking
Cover for hijacking incidents is provided across all plans, with specific benefits outlined in each policy.
Pet Care
Available in the One-trip and Cruise policies, it offers compensation for pet care expenses incurred due to covered events.
Rental Car Excess Waiver
The One-trip and Cruise policies include a rental car excess waiver, while the Domestic plan has different cover limits.
How to Switch to InsureandGo Travel Insurance
Switching to InsureandGo Travel Insurance from another provider involves canceling your current insurance policy and starting a new one with InsureandGo. Here are the steps you need to follow to facilitate this process:
Review Existing Policy Terms
Examine the terms of your policy in terms of cancellation terms, penalties, and cooling-off periods that apply.
Contact the Current Insurer
Contact your existing insurer and discuss the process for cancellation. Inquire about any refunds or outstanding payments that must be settled.
Purchase New Cover
Once your previous policy has been canceled, purchase a new travel insurance policy with InsureandGo. Ensure there’s no overlap in cover periods to avoid any protection gaps.
Cooling-Off Periods
InsureandGo’s new policy has a cooling-off period during which you can cancel the policy for a full refund, but only if no claims have been made.
Key Considerations
Have your personal information and travel details readily available when applying for your new policy. Review the benefits and features of InsureandGo’s policies to ensure they meet your travel needs.
Exclusions and Limitations of InsureandGo Travel Insurance
InsureandGo offers three Product Disclosure Statements (PDS) for its travel insurance plans: One-Trip, Domestic, and Cruise.
Each of these plans has specific exclusions. General exclusions apply across all three plans, as well as exclusions related to pregnancy, COVID-19, natural disasters, and family travel.
Exclusions by Plan
| 🔎 Exclusions | 🥇 One-Trip Travel Insurance | 🥈 Domestic Travel Insurance | 🥉 Cruise Travel Insurance |
| 📉 Awareness of Conditions | ✅Yes | N/A | N/A |
| 📈 Cruise Docking | ✅Yes | N/A | N/A |
| 📊 Pre-trip Incidents | ✅Yes | N/A | N/A |
| 💶 Medical Expenses | N/A | ✅Yes | N/A |
| 💹 Passport/Visa Issues | N/A | ✅Yes | N/A |
| 💵 Third-party Costs | N/A | ✅Yes | N/A |
| 💱 Cancellation of Ports | N/A | N/A | ✅Yes |
| 📌 Missed Ports | N/A | N/A | ✅Yes |
| 📍 Baggage Before Boarding | N/A | N/A | ✅Yes |
| ↪️ Alternative Ports | N/A | N/A | ✅Yes |
General Exclusions for All Plans
- Claims due to natural disasters unless a specific upgrade has been purchased.
- Any claims arising from these actions.
- Conditions are treated or advised within five years before the policy issue date.
- Claims from travel that contradict a medical professional’s advice.
- Claims linked to conditions expected to cause death before the policy’s end date.
- Claims resulting from incidents occurring before travel commencement.
- Delays from events are publicly known at the time of booking.
- Claims related to conditions known at the time of policy issue.
Additional Exclusions
Pregnancy Cover Exclusions
There is no cover for medical expenses related to childbirth or pregnancy complications unless specified.
Natural Disaster Exclusions
Claims must be lodged with the appropriate upgrade indicated on the policy schedule.
Family Travel Exclusions
Policies do not cover children born overseas or medical expenses incurred domestically.
How Do I Contact InsureandGo Travel Insurance Customer Support?
You can contact InsureandGo in several ways. For emergency assistance, call +612 9333 3999 (reverse charge). For sales and service, call 1300 401 177 (within Australia) or +612 7201 9532 (outside Australia), or email [email protected]. Their office hours are Monday to Friday, 9 am to 5 pm (AEST).
Claims can be submitted online, or you can email [email protected]. For complaints, email [email protected] or write to InsureandGo, Suite 1.04, Level 1, 19 Harris Street, Pyrmont, NSW 2009. Accessibility services are available via TTY, Voice Relay, or SMS Relay by dialing the appropriate numbers.
Customer Reviews and Satisfaction
🥇 Emergency Medical Treatment Abroad
Medical treatment was needed abroad during a recent trip. InsureandGo’s 24/7 emergency support quickly sent me to the nearest hospital and covered my coverage costs. I’d recommend them to anyone.
🥈 Trusted Provider for Pre-existing Conditions
InsureandGo has been my trusted provider for years. I need pre-existing condition coverage, which their insurance provided. Their support team is super friendly and always willing to go the extra mile.
How Do I Submit Feedback or Complaints?
InsureandGo has comprehensive information on submitting feedback and complaints, outlining a clear procedure and relevant contact channels for customers.
Steps to Submit Feedback or Complaints
Contact Customer Service
Contact InsureandGo’s customer support to discuss your concerns directly.
Escalate if Necessary
If your complaint isn’t resolved, escalate the matter by contacting higher-level management or using the designated dispute resolution services.
External Resolution Options
Should internal resolution efforts fail, you can refer your complaint to external bodies, such as the Financial Ombudsman Service (FOS), for additional oversight.
Documentation
Keep records of correspondence regarding your complaint; this documentation will be required if further escalation is necessary.
Important Considerations
InsureandGo encourages prompt reporting of issues to facilitate timely resolutions.
- Be clear and concise in your feedback to assist customer service in addressing your concerns effectively.
- Complaints can take time to resolve; have patience throughout the process.
- Familiarise yourself with InsureandGo’s complaint-handling policies to understand how complaints are handled.
- Follow up if you don’t receive a response within 10 working days.
When submitting a complaint, you must have your policy details and relevant information ready.
InsureandGo Travel Insurance Awards and Recognition
InsureandGo has earned awards and recognition for its travel insurance services, reflecting its standing in the industry since its inception in 2000. Below is a summary of notable accolades received by the insurer:
| 🔎 Year | 🏆 Award | 🅰️ Awarding Body | 🅱️ Category |
| 2024 | Highly Commended | Finder Travel Insurance Awards | Domestic Travel Insurance |
| 2024 | Trusted Brand | Finder Customer Service Satisfaction Awards | Travel Insurance |
| 2024 | Best for Seniors Travel Insurance | WeMoney | Travel Insurance for Seniors |
Who Should Consider InsureandGo Travel Insurance?
InsureandGo Travel Insurance can be ideal for different and each plan has flexible options and benefits that suit some travelers better than others. Here’s a closer look at the types of travelers who would benefit most from InsureandGo’s offerings:
Frequent International Travellers
- Suitable for individuals up to 100 years old, with limits for older travelers (e.g., 90 days for those over 65).
- Ideal for anyone embarking on international trips, whether for short vacations or extended journeys (up to 365 days).
- Cover for unexpected medical expenses.
- Protection against trip cancellations and loss of belongings.
Families Travelling Domestically
- Ideal for travelers up to 100 years old, with a 90-day limit for those over 65.
- Best for families traveling within Australia.
- Focus on domestic travel-related issues such as baggage loss, trip cancellations, and delays.
- Cover tailored to protect against typical domestic travel risks.
Seniors and Cruise-Goers
- Tailored for those up to 79 years old, with limitations on travelers over 65.
- Ideal for individuals taking cruise vacations.
- Cover for unexpected medical expenses and losses related to cruise itineraries.
- Protection from disruptions specific to cruise travel, including missed ports and cancellations.
InsureandGo Travel Insurance vs. Cover-More Travel Insurance vs Budget Direct Travel Insurance – A Comparison
| 🔎 Provider | 🥇 InsureandGo Travel Insurance | 🥈 Cover-More Travel Insurance | 🥉 Budget Direct Travel Insurance |
| 📊 Plan Name | One Trip, Domestic, Cruise, Annual Multi-Trip | Single Trip, Annual Multi-Trip, Domestic, Inbound | Comprehensive, Essential, Basic, Domestic |
| 💶 Premium Range (Trip-Based or Annual) | From $65.46 to $338.61 | $92 – $558 per month | Single-trip from $125.68/month; Multi-trip from $449.81/month for Essential |
| 💵 Cover Limits | Medical expenses: Unlimited; Trip cancellation: Up to $5,000; Baggage: Up to $15,000 | Medical: unlimited; Luggage: $25,000; Liability: $5 million | International Comprehensive up to $30,000 for certain benefits; Domestic up to $25,000 |
| 🅰️ Key Cover Areas | Medical cover, trip cancellation/interruption, baggage loss, personal liability, emergency evacuation | Medical, trip cancellation, luggage, liability, evacuation | Medical, luggage/personal effects, cancellation/amendment, travel delay, rental vehicle excess |
| 🅱️ Exclusions | Pre-existing medical conditions travel against medical advice, specific high-risk destinations | Pre-existing conditions, high-risk countries, medical travel | Unlawful acts, high-risk sports, pre-existing conditions not disclosed, travel against advice |
| 📉 COVID-19 Cover | Cover for trip cancellations, medical expenses, and quarantine related to COVID-19 | Medical, cancellation, and quarantine expenses | COVID-19 medical expenses, isolation costs up to $2,500, optional trip cancellation add-on |
| 🩷 Ideal For | Families, seniors, frequent travelers, and those on cruises | Frequent, domestic, and inbound travelers | Domestic and international travelers, family plans, adventure add-ons |
| 🏈 Adventure Sports Cover | Available with specific upgrades for select high-risk activities | Add-ons: skiing, scuba, trekking | Optional add-ons for motorcycle, moped, and snow sports cover |
| ↪️ Emergency Assistance | 24/7 emergency assistance for medical and non-medical support | 24/7 global support | 24/7 assistance with access to global medical providers |
| 📈 Digital Access and Mobile App | Available for policy management and claims submission | App with policy management, alerts, assistance | Online claims portal, no exclusive mobile app |
| ⭐ Special Features | Customizable cover, quick claims process, natural disaster protection | Velocity points, flexible excess, global reach | Budget Direct Rewards, 15% discount online, $100 hotel gift voucher |
| ⏰ Average Claim Settlement Time | Response within 10 business days | 10–15 business days | 10 working days |
Pros and Cons
| ✅ Pros | ❌ Cons |
| Comprehensive cover with unlimited overseas medical expenses | Exclusions for pre-existing conditions are not covered unless explicitly accepted |
| Flexible policy options including One Trip, Domestic, and Annual Multi-Trip | Higher premiums for comprehensive plans |
| COVID-19 covers benefits for cancellations and medical expenses related to the virus | Age restrictions on some policies limit options for senior travelers |
| 24/7 emergency assistance ensuring support in emergencies at any time | Limitations on rental cars cover less comprehensive options under some plans |
| Customizable add-ons for enhancing policies with specific upgrades | The claims process can be complex |
| Family-friendly policies offering cover for families and discounts for group bookings | Not all activities are covered, and some high-risk sports require additional cover |
| Quick claims response with average response times within 10 business days | Restrictions on trip cancellation for certain scenarios create gaps in protection |
In Conclusion
In conclusion, InsureandGo offers a wide range of travel insurance plans, including options for Cruise, Domestic, International, and Annual Multi-Trip travel. Its unique features, like coverage for activities such as scuba diving and golf, and provisions for existing medical conditions, make it an attractive option for families and business travelers.
However, the lack of a dedicated app and limited coverage for children compared to competitors are drawbacks. With specific exclusions to consider, InsureandGo provides adaptable insurance solutions, but customers should weigh the pros and cons before choosing the right plan for their needs.
You might also like:
- Fast Cover Travel Insurance
- Medibank Travel Insurance
- Nib Travel Insurance
- NRMA Travel Insurance
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InsureandGo Travel Insurance Frequently Asked Questions
Does InsureandGo cover COVID-19 incidents?
Yes, InsureandGo covers travel cancellations and medical costs due to COVID-19.
Can families be covered with a single InsureandGo policy?
Yes, InsureandGo has family-friendly insurance with cover for entire families and savings for multiple bookings.
How do I contact InsureandGo for customer service?
InsureandGo offers several channels for customer support, including phone, post, and email. There’s also a Relay service for anyone with speech limitations.
What is the average claim settlement time at InsureandGo?
InsureandGo strives to address claims within 10 business days.
