Unlimited Overseas Medical Emergency Assistance

Get unlimited overseas medical assistance, including emergency medical treatment, hospital stays, surgery and ambulance services. Emergency dental care for immediate pain relief can be covered up to $500 § . We can also cover the cost of your return to Australia earlier than planned if this is medically necessary, subject to the policy terms. We can consider covering pre-existing medical conditions if a medical screening is completed online or over the phone when a policy is purchased and any applicable premium is paid.

Trip Cancellation or Changes

If you need to cancel or change your trip due to your illness, injury or other covered reasons, our international policies can provide cover for cancellation costs up to: $10,000 on Bare Essentials, $15,000 on Silver and Gold cover is unlimited. This includes flights, hotels, visas, and prepaid activities. We will also cover the cost of rescheduling your trip prior to departure if the cost of rescheduling does not exceed the cost of the cancellation , and you return to Australia prior to your policy end date § .

We can provide cover for the rental car excess charged to you if the car you hire is damaged or stolen or involved in an accident during your trip. Our Silver and Gold plans include cover for rental car excess with limits of $4000 and $8000.

Loss of Cash or Travel Documents

We will pay up to the amount listed in your plan to replace important items that are lost, stolen, or damaged during your trip. This includes your passport, traveller’s cheques (if they can't be refunded), credit cards, and visas. Our Silver cover pays up to $2,500 for travel documents and $250 for cash. Gold cover pays up to $5,000 for documents and $500 for cash § .

If your trip is delayed for more than 12 hours, the policy can provide cover for additional meal and accommodation expenses up to the limit in the table of benefits. Limits and sub-limits apply, as shown in your policy. Our Silver cover pays up to $50 for each 12-hour delay (up to $1,000). Gold cover pays up to $150 per 12 hours (up to $3,000). You will need receipts and a delay notice from your travel provider. The above benefits are as per the overseas travel insurance outlined in the PDS .

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Multi-Award Winning
Travel Insurer

+2 Million Aussie Travellers
covered so far

24-hour Global Emergency Assistance Network

Rated 4.7 from 1,115+ reviews on Trustpilot

Award-Winning Travel Insurance

We’re Australia’s Travel Insurance Specialists

Since 2012, InsureandGo has covered more than 2 million Australians with competitive, easy-to-buy and comprehensive travel insurance.

When packing for your trip, don’t forget our award-winning travel insurance. Choose from a range of options that tailor your policy to your needs, with online claims portal and a 24-hour global emergency assistance network.

“We always use InsureandGo for overseas trips. Signing up is quick and easy. I have a health condition, and the questions were simple to answer. We’ve never had to claim, but it’s great knowing travel insurance could help if something goes wrong.” - Robbert V, InsureandGo Customer, Trustpilot

Our travel insurance products are rated 4.7 stars on Trustpilot and 4.3 stars on Google.

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Why choose InsureandGo for your next trip?

Award-Winning Travel Insurance

We’ve earned 20+ industry awards in the last decade. In 2025, we were awarded Best for Seniors Travel Insurance by WeMoney, Outstanding Value for International and Seniors Travel Insurance by Canstar, and Trusted Brand for Travel Insurance by Finder. So far in 2026, we have received the ProductReview.com.au Award Travel Insurance Award for the second consecutive year, which is based on verified customer reviews from Australians who’ve used the product.

24/7 Emergency Assistance

Travel knowing you’re covered by a 24/7 global assistance team. Insure&Go is backed by Europ Assistance, giving you access to more than 750,000 assistance providers in over 200 countries. Call us any time: +612 9333 3999 (reverse charge).

Multiple Cover Options

Our travel insurance policies can be upgraded to suit your own individual needs. Get cover for domestic and international trips, with single and annual multi-trip plans available. Choose from three levels of cover – Bare Essentials, Silver and Gold. Depending on your trip type, not all plan levels may be available online, but you can purchase your policy online or through our call centre by calling 1300 401 177.

Online Claims

Submit your claim online and get support when things don’t go to plan. Prefer to talk it through? Email us at claims@insureandgo.com.au or call us for support on +61 2 7201 9532.

Extensive Benefits

Get coverage for trip cancellation, lost baggage, travel delays, rental car excess, natural disasters, and unlimited overseas medical expenses, based on the plan you choose. Subject to policy terms, conditions, limitations and exclusions.

Children under 18 travel free¹ when accompanied by a parent or guardian. Couples save 10%² on their policy.

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presence in more than 200 countries

network of more than 750,000 assistance providers

Europ Assistance helped 1.2 million travellers worldwide

Type of Trips We Cover

Benefits Of Our Travel Insurance

Covid-19 Coverage Available in Silver and Gold Policies

Unlimited Overseas Medical Expenses - Includes emergency treatment, hospital care, medical evacuation and additional expenses relating to your care.

Trip Cancellation - Recoup your costs if you need to cancel your trip due to a coverable listed event detailed in the PDS, like injury or illness§.

Luggage & Personal Effects - Up to $15,000 for lost, stolen or damaged luggage with our Gold Policy§.

Pre-Existing Conditions - We consider all pre-existing medical conditions and require no upfront medical certificates upon application.

Car Rental Excess - Up to $8,000 in excess charges for rental car damage or vehicle theft with our Gold Policy§.

Sports & Activity Cover - 90+ sports and leisure activities automatically covered. Plus, the option to add coverage for winter and higher-risk activities.

What is Travel Insurance?

Travel insurance can help cover your financial loss if something goes wrong on a trip. Missed a flight connection? Lost your baggage? Got sick overseas and needed medical care? Travel insurance is designed to help cover certain losses when things don’t go to plan.

It’s not mandatory, but Smartraveller (and most avid travellers!) strongly advise investing in travel insurance before a trip. Travel insurance policies vary, so always read the Combined Financial Services Guide and Product Disclosure Statement before purchasing to ensure it meets your needs.

Learn more about Travel Insurance

Who We Cover

Everyone deserves to have added peace of mind while on holiday. Here’s who we cover.

Individuals

Going solo? Spend less time stressing and more time soaking up the sights. Our travel insurance policies for individuals cover:

Solo travellers
Groups up to 10 people
Students
Professionals

Couple

Take on the world together, cover for two adults who are in a partner relationship. Our travel insurance policies for couples include:

Spouses
Husband/wife
De facto
Fiancé, etc

Families

Create those core family memories with cover designed to help when things don’t go as planned. Our travel insurance policies for families cover:

Two adults in a partner relationship & their accompanying dependent children
Babies and toddlers

Seniors

Take on the world, knowing you’re covered by our award-winning travel insurance. Our travel insurance policies for seniors include:

Travellers up to 100 years of age
Cruise & Bare Essential cover for up to 79 years of age

How It Works

1. Get Started

Select your trip type, destination, dates and who is travelling with you.

2. Choose your Plan

Review the inclusions and coverage amounts and choose a level of cover which is right for you.

3. Review Excess and Upgrades

Add any extra cover you might need for things like winter sports or business cover.

4. Add your Personal Information

We’ll need the policyholder’s information, along with any pre-existing medical conditions.

5. Review Quote, accept Declaration and Pay

Once you’re happy with the quote, accept the declarations and follow the steps to complete payment. Alternatively, we can email you a copy of your quote, which you can purchase anytime within the next 30 days - provided the travellers’ age doesn’t change before you buy.

Please note: if a promotional code was applied, it must still be valid at the time of purchase; otherwise, the quote will revert to the full price without the discount.

6. Set off on your Trip!

You can now depart with an added layer of protection if things don’t go to plan.

Our Travel Insurance Packages

We offer three levels of cover - Bare Essentials, Silver and Gold. All plans include 24/7 global emergency assistance with 750,000 assistance providers worldwide.

Bare Essentials

Includes essential coverage such as overseas medical expenses, trip cancellation, personal liability, emergency expenses and baggage cover.

Silver

Includes everything in the Bare Essentials plan, plus a higher trip cancellation limit, travel delay expenses and more.

Gold

Includes all Silver benefits with higher coverage limits, and additional cover for special events, hijacking, pet car and resumption of journey.

Get Started

Select your trip type, destination, dates and who is travelling with you.

Choose your Plan

Review the inclusions and coverage amounts and choose a level of cover which is right for you.

Review Excess and Upgrades
Add any extra cover you might need for things like winter sports or business cover.

Add your Personal Information
We’ll need the policyholder’s information, along with any pre-existing medical conditions.

Review Quote, accept Declaration and Pay
Once you’re happy with the quote, accept the declarations and follow the steps to complete payment. Alternatively, we can email you a copy of your quote, which you can purchase anytime within the next 30 days - provided the travellers’ age doesn’t change before you buy.

Please note: if a promotional code was applied, it must still be valid at the time of purchase; otherwise, the quote will revert to the full price without the discount.

Set off on your Trip!
You can now depart with an added layer of protection if things don’t go to plan.

Frequently Asked Questions

How do I make a claim?

You can either lodge a claim online or download a claims form from the website and post it to us with all your supporting documents (e.g. receipts, police reports). We aim to give you a response within 10 business days of us receiving your documentation.

Please contact us if you have any questions regarding the claims process. Claims should be registered within 30 days of completing your travel, or as soon as reasonably practicable.

Why travel insurance is important for my trip?

Travel insurance can help manage unexpected costs that may arise during your journey, particularly overseas medical expenses, which can be significant in some countries. It can also assist with other unexpected events, such as trip cancellations, lost or delayed baggage, and travel disruptions due to natural disasters³ or emergencies, and can offer a layer of financial support when plans change unexpectedly.

The Australian Government or Medicare won’t be able to help you with overseas medical expenses. While Australia has several reciprocal healthcare agreements with other nations, these do not provide financial assistance for medical repatriation back to Australia to receive treatment or cover for any additional expenses for your travelling companion or family to stay with you while you're incapacitated in hospital.

Some countries might ask you for a copy of your insurance before granting travel visa applications. Always visit Smartraveller for country-specific requirements before applying for a visa.

Despite travel insurers not being able to provide cover for medical expenses in Australia, domestic travel insurance is important for providing you with coverage for situations such as trip cancellation, rental vehicle excess, lost or stolen luggage and personal belongings, trips disrupted by natural disasters, and more.

For full details of the benefits, terms and conditions, limits, sub-limits and exclusions that may apply, please refer to the relevant Combined Financial Service Guide and Product Disclosure Statement (PDS) here.

Does travel insurance cover pregnancy?

The policy can provide cover for unlimited medical, hospital and surgical coverage for an insured person as a result of complications of pregnancy prior to the 31^st week of pregnancy. If you become pregnant after you purchase the policy, it can also provide cover for cancelling your trip prior to departure if you will be more than 30 weeks pregnant (if you are expecting one baby), or 20 weeks pregnant if you are expecting more than one baby.

Please keep in mind that no cover is available for children who are born overseas during your trip.

What does Cancellation Cover Mean?

Cancellation cover, in terms of travel insurance, means that if something goes wrong and it is necessary and unavoidable to cancel your trip before you head off, you may be able to claim back money you otherwise have lost (up to the amount stated in your insurance policy).

Cancellation can provide cover for the cost of cancelled flights, hotels, visas, tours/excursions, paid-for activities or sports, prepaid meals that are non-refundable, up to the amounts specified in your policy, and less any applicable excess.

If you booked your trip through a travel agency and they charged you fees, you might be able to claim back some of these costs too, depending on your policy.

Can I get cover for pre-existing medical conditions?

Pre-existing medical conditions aren’t automatically covered, but cover for these may be provided through a medical assessment. You can complete this assessment online during the quotation process or speak with our team over the phone.

A pre-existing medical condition refers to any diagnosed medical condition for which you or any insured person has suffered from or has received any form of medical advice, treatment or medication in the past 2 years.

To determine if your condition can be covered, simply complete the medical assessment. If you prefer to do this over the phone, our team is happy to assist.

What is covered by travel insurance?

When purchasing with Insure&Go, you may have the option to choose between three different levels of cover: Bare Essentials, Silver, and Gold.

Bare Essentials: Basic level of cover, including essential coverage such as medical expenses, trip cancellation, personal liability, emergency expenses, and baggage cover.
Silver: Includes the benefits of Bare Essentials plus a higher trip cancellation limit, travel delay expenses, and more.
Gold: Includes all Silver benefits and can include higher benefit limits, and additional benefits such as special events, hijacking, pet care and resumption of journey.

All pre-existing medical conditions can be considered for all three levels of cover.

If you opt for an Annual Multi-Trip policy^§ instead of a single-trip policy^§, you will be covered for multiple international trips over a 12-month period.

To customise your policy, there are a number of additional upgrades available that offer coverage for Winter Sports, Activities Plus, Business, Natural Disasters, and additional specified items.

How does your travel insurance cover children?

Parents or grandparents can buy insurance on behalf of their dependent children or grandchildren, including fostered or adopted dependents. To be eligible, children must be under 18 years of age, financially dependent, and listed on the policy schedule.

Children aged 17 or under can be included at no extra cost¹ when travelling with a parent or grandparent on eligible policies. Those aged 18 and over are considered adults for policy purposes, regardless of whether they’re part of a couple or family policy². It is a condition of our policies that dependents under 16 years of age must be under full adult supervision throughout the trip.

When should I buy Travel Insurance?

Coverage for cancelling your trip prior to departure starts once you purchase the policy. Cancellation cover (if included as part of your cover) can help you recover your non-refundable prepaid travel costs if you need to cancel for a coverable reason before your journey begins.

If you need to cancel your trip for a covered reason, your prepaid travel costs, such as flights, accommodation, and tours, may be reimbursed. Covered reasons can include things like redundancy, natural disaster (If you have purchased the applicable add-on), pregnancy-related complications, serious illness or injury, significant damage to your home in Australia, or the death of a travelling companion or a relative living in Australia.

What is the excess on my travel insurance policy?

Excess is the amount of money you agree to pay should the unfortunate happen, and you need to make a claim to your insurer. It applies per person, per event. For example, if your excess is $100 and you make a successful claim for a doctor’s bill, $100 will be deducted from the total amount paid.

The default excess is $200; you may choose from $0, $100 or $200 during the quotation process, depending on your preferences.

What is a PDS, and why is it important to read it?

A Product Disclosure Statement (PDS) is a legal document that outlines the key features, benefits, limitations, sub-limits, and conditions of your travel insurance policy. It also explains your rights and responsibilities as a policyholder.

Reading the PDS can help you understand what is and isn’t covered and help you choose the policy that is right for you. Within the PDS, you will find details on excesses, premiums, coverage limits, exclusions, and optional upgrades.

Award-Winning Travel Insurance

We’re Australia’s Travel Insurance Specialists