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2024 Winner Award

 

Compare Travel Insurance

Travel can be stressful but purchasing insurance doesn’t have to be. InsureandGo makes it easy to compare travel insurance

Travel insurance can be as basic or comprehensive as you’d like. We offer many affordable travel insurance options and policies that can be customised for you. We are sure you will find InsureandGo products both affordable and comprehensive.

But you shouldn’t just take our word for it. We’ve won over 20 awards and recommendations from comparison services and consumer advocacy groups in the last 10 years.

Our products have been recognised by Canstar in 2013, 2014, 2015, 2019, 2022, 2023 and 2024. Recently, we won the Canstar Award for “Outstanding Value - International Travel Insurance", for the 2nd consecutive year and "Outstanding Value - Seniors Travel Insurance”, for the 3rd consecutive year.

In 2024, we received the Finder 2024 Award for “Trusted Brand - Travel Insurance”, and the WeMoney 2024 Award for “Best for Seniors Travel Insurance”. Find out more here. 

Why Travel With Us?

All pre-existing conditions considered
Unlimited overseas medical expenses
Quick and easy online claims process
All medical conditions considered online or over the phone
Unlimited cover
Unlimited cancellation cover in our Gold Policy
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24 hour emergency assistance

Why Choose InsureandGo?

Our policies are designed to meet the unique needs of each traveller. Over 17 million travellers worldwide trust InsureandGo for their insurance needs. They know we offer 24/7 global assistance with over 31,500 support points on every continent.

It’s no surprise that we are an award-winning company. We cover 1.6 million people each year and are a leader in travel insurance in Australia.

When choosing a company for your needs:

  • First, make a checklist of the coverage you need. Think about the activities you plan to do. Also, decide how much coverage you will require in terms of the sum insured.
  • Next research the list of companies you have selected which offer the coverage you desire. Read their reviews, acknowledge awards received, and see how many travellers have chosen them as a provider.
  • Finally, choose a company that ticks all of your desired boxes at the most affordable rate. Make sure to read the Product Disclosure Statement or PDS. This will help you get the best deal. Also, consider any perks, promotions, or extras a company offers to win your business.

It can be hard to compare travel insurance companies. However, here are some reasons our customers choose us. They also recommend InsureandGo to others:

  • A broad range of policy options
  • Three different levels of cover to choose from
  • Numerous policy upgrades and excess options available to tailor-make your policy
  • Quick and easy to buy travel insurance online
  • No hidden fees
  • Friendly and efficient customer service
  • Cover for dependent children travelling with you on single or family policies at no extra cost**
  • 90 sports and adventure activities automatically covered for free
  • With our new online claims platform, lodging a claim has never been easier. We provide phone and email support to help you file a claim. You can get assistance from the comfort of your home.
  • 24-hour emergency medical assistance line

Selecting, Comparing & Purchasing an InsureandGo Policy

InsureandGo has made selecting and purchasing your policy easy with minimal steps.

Wondering how the process works?

1
Quote Box
Fill in your trip details in the quote box above.
2
Comparison Table
Select your level of cover: Bare essentials, Silver, or Gold.
3
Personal Details
Fill in your contact details.
4
Summary & Payment
Add pre-existing medical conditions, Natural Disaster Cover (if you want), review your policy summary, and submit payment (credit card or PayPal).

Compare from Three Levels of Cover

We offer three levels of cover for our policies including:

  • Bare Essentials
  • Silver
  • Gold

The benefits and sum insured vary with each level of cover, and each level has a different premium. Our three levels of cover let travellers choose a policy that fits their budget and needs. Keep in mind that our Gold Coverage option offers the most complete and comprehensive protection. This gives you the best peace of mind while you travel.

Below you’ll find our Policy Comparison Table. We’ve made comparing our three levels of covers as straightforward as possible, so you can decide which cover is best for you.

Compare from Three Levels of Travel Insurance Cover
Benefits International
  Bare Essentials Silver Gold
Medical Screening* Y Y Y
Cruise cover* N N N
Cancellation* N $15,000 Unlimited
Medical expenses* Unlimited Unlimited Unlimited
Excess* $100 $100 $100
Emergency expenses* $5,000 $15,000 Unlimited
Personal liability* $1,500,000 $2,500,000 $5,000,000
Travel delay expenses* N $1,000 $3,000
Curtailment* N $15,000 Unlimited
Baggage* $2,000 $6,000 $15,000
Delayed baggage* N $500 $750
Electronic devices* N $2,000 $3,000
Valuables* N $500 $750
Hospital cash allowance* N $2,500 $5,000
Passport and docs* N $2,500 $5,000
Personal accident* N $37,500 $50,000
Legal expenses* N $10,000 $25,000
Money* N $250 $500
Hijack* N N $2,500
Pet care* N N $600
Journey Resumption* N N $3,000
Loss of Income* N $5,200 $10,400
Rental car excess waiver* N $4,000 $8,000
Winter Sports Cover* O O O
Business Cover* O O O
Golf Cover* O O O

Y – Yes, N – No, O – Optional

Most Common Questions

I am overseas right now – can I buy, change or upgrade a policy?

You need to be in Australia at the time of purchasing your insurance. If you are overseas, we are unable to offer you new or different insurance. You may be eligible to extend the dates of your existing cover, so shoot us an email and find out.

How does cancellation cover work?

Cancellation cover starts on the date of purchase of Silver and Gold. Cancellation is covered if the insured cannot travel due to medical reasons, the death of a relative, an unknown natural disaster (if you have included this option in your policy), serious damage to a home in Australia and so on. In any such event, the insured can cancel and claim for the non-recoverable pre-booked expenses lost on the trip.

How to find the best travel insurance?

Finding the right travel insurance can be a bit of a journey, but it’s worth it! Start by looking at ratings and reviews to see which policies match your needs. Awards and recommendations from trusted consumer groups can also guide you. For more tips on choosing the best travel policy, read here to know more.

 

Do you cover the cost of vaccinations?

Depending on your specific needs, we can provide pre-trip advice such as what vaccinations are required and the local medical conditions at your destination (Page 7 of our Product Disclosure Statement or PDS).

For prescribed medications and maintenance and in case they get lost during a trip, this can be covered for as long as the medical condition related to these medications are declared.

As for preventive vaccination, we primarily advise to visit your GP and ask for options. Also, look out for the health section in Smarttravelers.gov.au to check out advice and medical precautions needs to be looked at depending on the country you chose to travel in.

How travel insurance for pregnancy works?

We automatically cover you for unlimited medical emergencies, hospital and surgical for the complications of pregnancy up to the 30 weeks (for one baby only). However, be advised that this policy is limited to the complications of pregnancy only. For a comprehensive list of what is and is not covered please refer to the Product Disclosure Statement.

I’m taking out the top cover, am I covered for anything that can go wrong on my trip?

Our premiums would be astronomical if we could do that! There are limits and exclusions to all travel insurance policies, so we strongly advise you to read our product disclosure statement (or search [ctrl+F] for key words to check limits and exclusions) to see if our product is right for you.

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InsureandGo is rated  4.0 from 6,625 reviews

**Children (including fostered, or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents. 

 

¹ We have a range of policies (Bare Essentials, Silver and Gold) to fit every budget in the easiest and most efficient way possible. We provide policies to match your needs, without the extras you don’t have, making it easy for you to get the right cover for you.