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Trip type information

If you're taking a single trip this year, which does not include any travel by cruise, the one-trip cover is for you. But if you are travelling more than once you may be better off with an Annual multi-trip policy.

For Annual multi-trip policies the maximum trip duration covered is restricted by the policy option selected and will be either 30, 45 or 60 days, after which you must return to Australia before commencing a new trip.

If your trip includes any travel by cruise ship, then select the cruise option to be covered for the land, air AND CRUISE part of your journey. However, if you only want to be covered for the land and air part, then choose One Trip. By cruise we refer to any travel on sea, ocean or river by any commercially operated ship, boat or other sea vessel for longer than two hours.

If you are taking a gap year, an adventure holiday or a round the world trip you may find our Backpacker product is more tailored for your needs.

Destination Information

Excluded destinations:

InsureandGo will NOT cover any loss, injury, damage or legal liability arising directly or indirectly from travel in, to or through Afghanistan, Democratic Republic of Congo, Iran, Iraq, Liberia, Sudan, Syria, Chad, East Timor, Haiti, Lebanon, Liberia, North Korea, Pakistan, Palestine, Somalia, Uganda, Yemen and Zimbabwe.

Included destinations:

Pacific:

The South Pacific: Papua New Guinea, American Samoa, Cook Islands, Fiji Islands, French Polynesia (including Tahiti), Kiribati, New Caledonia, Niue, Samoa, Solomon Islands, Tonga, Tuvalu, Vanuatu, New Zealand, Bali and Lombok only).

Worldwide* Excluding:

Worldwide excluding USA, Canada, Mexico, Central & South America and Antarctica.

Worldwide* Including:

Worldwide including USA, Canada, Mexico, Central & South America.

Asia:

South Asia: Sri Lanka, Bangladesh, India, Nepal, Maldivas.

South East Asia: Birmania, Brunei, Cambodia, Philippines, Indonesia, Laos, Malaysia, Singapore, Thailand, Vietnam.

East Asia: China, South Korea, Hong Kong, Japan, Taiwan.

Domestic: Australia, Norfolk Island

Cruise Specific Destinations

Domestic Cruise:

Domestic cruises within Australian Territorial waters, or international waters, providing you do not stop at any international port. If you want to travel around Australia before your cruise departs, you will need to buy two separate policies, a Domesticb single trip policy for the duration of your trip before boarding and a cruise trip policy for your cruise. (If you select the Domestic cruise policy your baggage will only by covered for a maximum of 72 hours before boarding).

(The Domestic cruise policy also provides cover for stopovers in Australian ports up to 48 hours).

Domestic, NZ and Pacific Cruise:

Cruises that include any Pacific destination and docks at any Australian port after departure (Including final port).

Asia and Domestic

Cruises that include any Asia destination and docks at any Australian port after departure (Including final port).

Please note:

  • If you have a multiple destination itinerary, you should select the travel plan for the destination where you will spend the majority of your trip overseas except where you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica.
  • If you will spend more than 48 hours of your trip in the continents of North America, South America or Antarctica, then you should select the Worldwide Including Travel Plan.
  • If you select the Domestic Cruise, Pacific and Domestic or the Asia and Domestic travel destination we will cover Medical and Evacuation expenses. With Medical expenses we mean expenses incurred on board relating to medical illness or injury assistance. We will also cover the repatriation or evacuation expenses if the medical practitioner has stated in writing that you are unfit to continue your trip due to medical illness or injury. This benefit does not apply to any medical treatment provided on Australian inland or whilst the ship is tied up in an Australian port. All other benefits included in your policy provide cover whilst your ship is docked in an Australian port for a maximum of 48 hours.
  • If you select a cruise option, there is no cover for Section L (Rental Vehicle Excess Waiver) whilst your ship is in an Australian port.

Travel Insurance from InsureandGo

We are Australia’s online travel insurance specialists and we’re committed to offering you comprehensive and award-winning travel insurance products to travel in Australia or internationally at competitive prices. We don’t lock you into one product; we know that not everyone needs everything our top product covers, so we’ve created three levels of cover: Bare Essentials, Silver, and Gold, so you can compare travel insurance and choose the product that best suits your needs. We're proud to announce that this year our Gold product has been recommended buy CHOICE.

When you choose InsureandGo, you can have peace-of-mind knowing that you're travelling with the largest assistance company worldwide, with over 31,500 points of assistance across all continents. We are also the world’s largest online travel insurer, and cover 1.6 million people annually.

With our new online claims platform, lodging a claim has never been easier. If you need to file a claim, we offer chat and email support along the way to help you, all from the comfort of your home.

But you shouldn’t just take our word for it, our products have been awarded by CANSTAR in 2013, 2014 and 2015, our gold policies have been recommended by CHOICE in 2016 and we recently received "Trusted Service Award" of 2018 by Feefo. You can also check our feefo and product reviews.

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InsuranceandGo is rated 4.5 out of 5 stars by 10038 customers.

¹ Australian Government - Tourism Statistics: https://www.tra.gov.au/research/domestic-tourism-by-australians/domestic-tourism-statistics/latest-domestic-tourism-statistics.
² Australian Government - Department of Foreign Affairs and Trade: http://smartraveller.gov.au/guide/all-travellers/insurance/pages/default.aspx#why-get-travel-insurance.
* Price derived from a single trip of 5 days, individual, age 30, to New Zealand, Pacific & Bali region. Cover for pre-existing medical may require an extra premium.
** Price derived from a single trip of 21 days, Individual, age 30, to New Zealand, Pacific & Bali region. Cover for pre-existing medical may require an extra premium.
^ Cover for Connecting flights does not apply for any cost incurred where your scheduled transport is delayed by less than 4 hours or any claim that results from you missing a connecting flight where the stopover was originally scheduled on your itinerary at less than 6 hours.