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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:


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.


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.

Important steps to consider before buying a travel insurance policy

The last thing you want is to end up with a policy that doesn’t cover what you need. So to get you started here’s a few things you should consider:

  1. Check smartraveller.gov.au to make sure your destination is safe to visit.
  2. Confirm that all people named on the policy are residents of Australia. If you are in Australia on a working holiday VISA, a sponsorship VISA or even a student VISA, it’s important for you to have valid Medicare cover, or private health insurance, for the length of your trip.
  3. Make sure you buy your policy before you start your trip. If you buy it after you’ve left it will be invalid.
  4. Talk to us about your pre-existing medical conditions, we can tell you if you’re covered and under what circumstances you can make a claim relating to your condition. It’s really important that you’re open and honest about this, because if you don’t declare your conditions you may invalidate your policy.
  5. Work out if you’re willing to pay an excess. An excess is the amount you will have to pay towards the claim yourself. For example, having a $200 excess reduces your premium, but if you make a claim you would need to pay the first $200 yourself. Conversely, if you chose to waive the excess, your policy would be more expensive but you would get 100% of the claim back, provided your claim is approved and does not exceed your policies limit. Find more info about excess here.
  6. Read the Product Disclosure Statement. We know its super boring and long, but it could save you a world of headaches later on. If there’s something in particular you’re not sure about hitting ctrl F on the page and searching for the words (eg camel back riding) will show you the section to look at.

Why get travel insurance?

  • Overseas emergency medical assistance

  • Nobody wants to be involved in an emergency while on holiday, but travel doesn’t always go to plan. Overseas emergency medical assistance provides you with financial assistance if you’re injured or fall sick while traveling. And this is particularly important as medical treatment in overseas countries can be incredibly expensive.

    Having travel insurance means you’re covered for emergency medical evacuations, surgical and hospital treatments, and ambulance costs. We will also cover the cost of your return to Australia earlier than planned if this is medically necessary, and we consider all preexisting medical conditions.

  • Loss or theft of luggage

  • It’s extremely inconvenient, not to mention costly if your luggage is lost, stolen, or damaged while you’re traveling. But with the appropriate cover we will pay for the value of your property at the time it was lost, stolen or damaged. Remember that all items you are claiming as lost, stolen, or damaged must be reported to the appropriate authority, usually within 24 hours, and you will need to be able to provide proof of ownership.

  • Loss of cash or travel documents

  • Losing your cash or travel documents might be your worst nightmare, but with the appropriate policy, we will pay for the cost of replacing your cash or important documents if they are lost, stolen, or damaged during your trip. This includes your passport, travellers cheques, and visas. This cover may extend to lost or stolen cash, but make sure you check the level of cover. You may not be covered in situations where your documents or cash were left unattended, and you will need to provide proof of ownership for any lost or stolen personal money.

  • Travel delay expenses

  • Travel delays are an unfortunate reality these days. There are many causes, but the number of global delays per day can often be as high as the tens of thousands. If you are financially affected by a travel delay of more than 12 hours, and are covered for travel delays, we will reimburse the cost of your necessary additional meals and accommodation expenses. You should check the specifics of your cover, as some limits are applied to this, and you will be reimbursed up to the amount shown on your policy.

  • Rental vehicle excess

  • Many travelers prefer to hire a car on holiday for the additional freedom, however if the car is damaged, stolen, or involved in an accident, you may be responsible for paying the cost of the rental car excess. By choosing a policy with cover for rental car excess, you’re protecting yourself from this risk.

    We will reimburse the rental car insurance excess charged to you through the rental car company, if a car you have rented during your trip is involved in a motor vehicle accident while you are driving, or is damaged or stolen while in your custody. Please note rental vehicle excess is available on Silver and Gold level cover up to $4,000.

  • Cancellation fees

  • We ultimately hope that your trip goes ahead as planned, but sometimes things go wrong and you may need to cancel. An insurance policy which includes cancellation cover will mean you are reimbursed for the money you lose.

    This includes the cost of flights, accommodation, visas and paid for excursions or activities in the event that you are not issued with a refund. You should check the terms of your policy, as certain circumstances will not entitle you to an insurance claim, however some of the circumstances we will pay your benefit for include if the cancellation was necessary due to an injury or illness, if you cannot travel due to a natural disaster which was unknown at the time you took out your policy (make sure to include the natural disaster option in your policy), or if you become pregnant and will be more than 32 weeks pregnant after the departure date after we sold you the policy. 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.

    If you need to cut your trip short while you’re overseas due to a necessary and unavoidable medical condition, an unexpected death in the family, a natural disaster which was not known at the time of purchasing your insurance (once again, be sure to include this option in your policy), or serious damage to your home in Australia, we will reimburse you for the out of pocket expenses you lost from having to cancel the remainder of your trip.

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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.