InsureandGo Travel Insurance

Important information on terms, conditions and sub-limits

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If you’re planning an overseas holiday and need some extra peace of mind, finding a travel insurance policy that suits your needs should be first on your itinerary. If you’re thinking InsureandGo might be the one for you, here are some of the key details to know about their currently available policies.

About InsureandGo

InsureandGo has been providing travel insurance worldwide since 2000. They provide cover to approximately 1.6 million travellers each year, and are underwritten by Mitsui Sumitomo Insurance company Limited.

Cover information and limits in the table below verified as correct at 16 April 2024. Other information correct at the time of writing.

InsureandGo travel insurance policies

Currently, InsureandGo offers domestic travel insurance and single-trip international travel insurance, including cover for COVID-19-related claims. You can choose to go with their Bare Essentials plan, Silver, or Gold coverage. With each tier of cover, your premium increases, but what you’re covered for and the amount you are insured for will rise too. 

Check out the data table below to see an overview of the kinds of plans InsureandGo offers.

  • 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

    • Bare Essentials

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events

    • $2,000

    • $5,000

    • Unlimited

    • $1,500,000

    • Pre existing conditions

    • Assessment required, may cost extra

    • Activities covered

    • Optional

    • Optional

    More info

    • Silver

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events

    • $15,000

    • $6,000

    • $15,000

    • Unlimited

    • $2,500

    • $37,500

    • $37,500

    • $5,200

    • $2,500

    • $2,500

    • $4,000

    • $2,500,000

    • Pre existing conditions

    • Assessment required, may cost extra

    • Activities covered

    • Optional

    • Optional

    More info

    • Gold

    • Per person

    • Unlimited

    • Unlimited

    • 200

    • Events

    • Unlimited

    • $15,000

    • Unlimited

    • Unlimited

    • $3,000

    • $5,000

    • $50,000

    • $50,000

    • $10,400

    • $5,000

    • $5,000

    • $8,000

    • $3,000

    • $5,000,000

    • Pre existing conditions

    • Assessment required, may cost extra

    • Activities covered

    • Optional

    • 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).

Does InsureandGo travel insurance have COVID-19 coverage? 

InsureandGo offers some COVID-19 benefits to its travel insurance policies, including cancellation and medical coverage. However, these benefits will come with sub-limits and exclusions, depending on the policy and level of coverage. For the full story, remember to read the PDS before signing up. 

What other optional extras can I add to my InsureandGo policy?

There are a few optional extras you can add to your InsureandGo travel insurance policy if you need to tailor your package to the kind of holiday or tip you’re going on. These include winter sports cover, natural disaster cover, business cover, and golf cover. 

These add-ons will come at an extra premium, but without them, you may not be covered for anything that happens related to these sorts of activities. Always be sure to check out the PDS to find details regarding limits on cover amounts and general exclusions. 

Are pre-existing medical conditions covered under InsureandGo’s travel insurance?

InsureandGo does not automatically cover any medical conditions in its international travel insurance policy. However, you can gain coverage for pre-existing medical conditions by calling InsureandGo on 1300 401 177 and discussing your situation. They will let you know if they can cover you for your medical condition and related claims that could result from it. InsureandGo claims all pre-existing conditions can be considered for coverage. 

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

If there’s an emergency during your overseas trip, call InsureandGo on their emergency assistance line. The number is +61 2 9333 3999 and is available 24/7 if you need it. InsureandGo’s team will be able to help you out with things like finding medical facilities and medical evacuation, among other things. 

How do I make a claim with InsureandGo travel insurance? 

You must register a claim with InsureandGo within 30 days of returning home. You will need to have all the relevant documentation to support your claims, such as receipts for valuables, or invoices from hospitals and doctors if you incurred medical costs. InsureandGo asks that you provide these documents in English, or get them officially translated into English. 

To get access to claims forms, or if you have any enquiries about making a claim, contact InsureandGo at 02 9333 3901, email them at info@insureandgo.com.au, or head to InsureandGo’s online claims portal. 

Is it possible to cancel my InsureandGo travel insurance policy?

You can cancel your policy within 14 days of purchasing it, provided that you have not made any claims or exercised any rights under the policy, and your trip hasn’t commenced yet. InsureandGo will cancel your policy and give you a full refund of the premium you paid. If you would like to cancel, contact InsureandGo at 02 9333 3902, or via email at info@insureandgo.com.au.

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
4.3

Overall 4.3

5.3

Value for money

3.4

Policy coverage

1.9

Customer service

1.7

Claims handling

4.1

Trust

78 Reviews

Recent InsureandGo travel insurance customer reviews Recent InsureandGo travel insurance customer reviews

InsureandGo logo

InsureandGo Travel Insurance review

Overall rating   1 / 10

Terrible insurance when making legit claim

To anyone looking for travel insurance this year I would recommend against @InsureandGoAU as they DO NOT cover cancellation by airline (with a top tier insurance policy) even though their website claims they do

Full review

To anyone looking for travel insurance this year I would recommend against @InsureandGoAU as they DO NOT cover cancellation by airline (with a top tier insurance policy) even though their website claims they do

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Nick, New South Wales, reviewed 4 months ago

InsureandGo logo

InsureandGo Travel Insurance review

Overall rating   1 / 10

Getting my claim approved was a nightmare.

Just don’t make a claim. They will make it as difficult as is humanly possible leaving you with the opinion they did everything they could to get out of paying anything.

Full review

Just don’t make a claim. They will make it as difficult as is humanly possible leaving you with the opinion they did everything they could to get out of paying anything.

    Value for money   8 / 10

    Policy coverage   6 / 10

    Customer service   5 / 10

    Claims handling   1 / 10

    Trust   4 / 10

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Maxine, Western Australia, reviewed 9 months ago

InsureandGo logo

InsureandGo Travel Insurance review

Overall rating   9 / 10

Ensured, and gone!

Fantastic, use them every time I travel, no fuss claims and broad cover - no hesitations recommending to others.

Full review

Fantastic, use them every time I travel, no fuss claims and broad cover - no hesitations recommending to others.

    Value for money   9 / 10

    Policy coverage   9 / 10

    Customer service   9 / 10

    Claims handling   9 / 10

    Trust   9 / 10

Less

Jacinta, Victoria, reviewed 10 months ago

InsureandGo logo

InsureandGo Travel Insurance review

Overall rating   1 / 10

not worth the paper it's written on

Stayaway!! This travel insurance is not worth the paper it's written on Airline cancelled my fight and I had to purchase an alternative flights and loge a claim with InsureandGo to claim the price difference. InsureandGo refused my claim...

Full review

Stayaway!! This travel insurance is not worth the paper it's written on Airline cancelled my fight and I had to purchase an alternative flights and loge a claim with InsureandGo to claim the price difference. InsureandGo refused my claim saying if airline cancelled a flight then it’s not covered in their policy.. what a joke.. and yet they keep selling this in name of “travel insurance” !!!.. buyer be aware.. stayaway from InsureandGo

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

David, Victoria, reviewed 10 months ago

InsureandGo logo

InsureandGo Travel Insurance review

Overall rating   1 / 10

DO NOT BUY - Mobile phones or luggage not covered

have purchased insureandgo for two trips - one for myself and one for my mother. My luggage was damaged at SFO at 1am when TSA opened my bag. Again, it was 1am - there was absolutely no one to report an incident to. TSA however had left...

Full review

have purchased insureandgo for two trips - one for myself and one for my mother. My luggage was damaged at SFO at 1am when TSA opened my bag. Again, it was 1am - there was absolutely no one to report an incident to. TSA however had left documentation with a receipt number stating they had opened my bag. I tried to get a report by the airline said they didn't do it after a certain amount of hours and Insureandgo did not accept my account. They barely followed up with me and I just let it go because I didn't have the time. My mother had her phone stolen and after following everything they asked, including asking her to get her mobile phone provider (Telstra) to put a stop on the IEME number of the handset (which she tried but Telstra in person and online advised they don't do this) have now just told her they're refusing her claim. They say it goes against their PDS which I went through carefully before purchasing and they didn't point out what exactly my mother's claim didn't provide. She is also on a plan so this was proving to be an issue apparently. Their reasoning is that because she left her phone after washing her hands and walked out of the lavatory (after a 24 hour flight) and realised and went back and it had been stolen, then they don't cover lost mobile. Even though she has a police certificate. I think I can safely assume most people buy insurance for medical cover but also to cover your mobile phone if stolen. DO NOT buy from InsureandGo - they barely respond, they have taken over 2 months to go over my mother's claim, mine just fell off when I told them I couldn't get a response from the airline. If anything goes wrong medically, I wouldn't want to be dealing with this place. Spend more and go somewhere else to have true peace of mind.

    Value for money   1 / 10

    Policy coverage   1 / 10

    Customer service   1 / 10

    Claims handling   1 / 10

    Trust   1 / 10

Less

Monica, Queensland, reviewed 11 months ago

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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. Financial providers may, from time to time, offer incentives for reviews, regardless of the sentiment of the reviews.

Compare InsureandGo Travel Insurance policies with other Australian insurance providers

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.