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Are you ready to embark on your next adventure, exploring new horizons and making unforgettable memories? While the excitement of travel knows no bounds, it’s equally important to ensure you experience peace of mind throughout your journey. That’s where InsureandGo Travel Insurance takes the stage. In our comprehensive InsureandGo Travel Insurance review, discover the ideal companion for worry-free travels and make informed decisions for unforgettable journeys.
Imagine a travel insurance provider that passionately supports your adventures, one that comprehends the unpredictability of life on the road. With InsureandGo, you’re not merely a policyholder; you’re a fellow traveler seeking protection and reassurance.
Let’s set forth on a voyage to uncover how InsureandGo Travel Insurance empowers you to travel with unwavering confidence. Our InsureandGo Travel Insurance review unveils how unexpected surprises won’t obstruct your extraordinary experiences, ensuring you make the most of your journeys.
About InsureandGo Travel Insurance
Established in 2000, InsureandGo Australia, a wholly owned subsidiary of Europ Assistance, provides various tiers of travel insurance to Australians, including bare essentials, silver, and gold, all underwritten by Mitsui Sumitomo Insurance Company Limited.
Australian travellers highly regard InsureandGo, earning a score of 4.0 from 5,970 reviews on the leading consumer opinion site, ProductReview.
InsureandGo Travel Insurance Review: Pros and Cons
InsureandGo Travel Insurance is a popular choice for travel insurance among Australians. It offers a range of policies to suit different needs and budgets, and it is known for its good customer service.
Pros:
- Comprehensive coverage: InsureandGo policies offer a wide range of coverages, including medical expenses, repatriation, cancellation and curtailment, baggage and personal belongings, and travel delays.
- Good customer service: InsureandGo is known for its good customer service. It has a 24/7 emergency helpline and a team of experienced claims handlers.
- Covers pre-existing medical conditions: InsureandGo will cover pre-existing medical conditions, subject to certain terms and conditions.
- Winner of the 2023 Finder Awards for domestic travel insurance.
Cons:
- Some customers have reported that the claims process can be slow and complicated.
- Some customers have also reported that the customer service team can be difficult to get in touch with.
- Some customers have also complained that the policies can be difficult to understand.
What does InsureandGo travel insurance cover?
InsureandGo Comprehensive Travel Insurance actively opens its coverage to all Australians, regardless of age, up to 100, and includes children up to 18 when they travel with parents or grandparents. This policy actively covers credit card replacement but excludes fraudulent activity, while actively offering personal liability coverage up to $5 million and car rental excess coverage up to $8,000. It proactively provides unlimited cancellation coverage, yet does not encompass missed connecting flights.
Lost luggage
With InsureandGo’s Gold policy, travelers actively receive $15,000 in coverage for lost luggage, with sub-limits of $3,000 for items like laptops, cameras, tablets, and mobile phones. Additionally, customers can actively increase coverage limits for specific items as needed.
Medical Cover
InsureandGo travel insurance proactively includes unlimited overseas medical expenses, encompassing emergency surgery, ambulance costs, and repatriation. The InsureandGo website explicitly states that “most conditions” are actively covered by the policy; however, a medical assessment is required to actively determine whether coverage will be provided.
Is Dental Cover Included in Medical?
While InsureandGo’s unlimited medical cover does not include dental, it actively offers coverage for emergency dental treatment up to $500.
Does it Cover Me for Covid?
Indeed, InsureandGo actively covers overseas medical expenses related to Covid-19, as well as cancellations or trip interruptions due to Covid, for the policyholder and their traveling companions, with coverage extending up to $5,000.
What about Pregnancy?
InsureandGo’s unlimited medical cover encompasses pregnancy and complications of pregnancy and childbirth, but only up to week 30 of pregnancy for single babies and week 20 for multiple pregnancies.
What about Sports and Activities?
InsureandGo provides automatic cover for 90 different sports and activities, which are laid out within its product disclosure statement. There are additional activities that may be covered, but only if certain criteria are met. However, it is important to read your policy carefully to understand the exclusions and limitations that apply.
For example, InsureandGo will not cover you for professionally hazardous sports or activities, or for activities that exceed your limits of experience or certification.
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Customer Service
InsureandGo provides 24/7 emergency assistance to its customers, giving travellers peace of mind while abroad.
For general inquiries, InsureandGo has a non-emergency phone number and email address, which are monitored Monday through Friday from 9am to 5pm.
At the time of this writing, the company states that it is upgrading its claims website. Therefore, customers should submit claims via email until the upgrade is complete.
Does InsureandGo offer domestic travel insurance?
Yes, InsureandGo offers domestic travel insurance in Australia. It has three levels of coverage: Bare Essential, Silver, and Gold. All three levels cover medical expenses, trip cancellation and interruption, baggage and personal belongings, and personal liability. The Silver and Gold levels also cover for rental car excess.
Here is a table that summarises the key differences between the three levels of coverage:
| Level | Medical expenses | Trip cancellation and interruption | Baggage and personal belongings | Personal liability | Rental car excess |
| Bare Essential | Yes | Yes | Yes | $5 million | None |
| Silver | Yes | Yes | Yes | $5 million | Up to $8,000 |
| Gold | Yes | Yes | Yes | $5 million | Up to $8,000 |
InsureandGo’s domestic travel insurance is available to all Australian residents, regardless of their age. It is also available to non-Australian residents who are visiting Australia and have a valid visa.
How do I cancel my InsureandGo policy?
To cancel your InsureandGo policy, you can contact InsureandGo by phone, email, or live chat. You will need to provide your policy number and the date you would like to cancel your policy.
If you are cancelling your policy within the cooling-off period (14 days from the date of purchase), you will receive a full refund, minus any government charges and taxes that InsureandGo is unable to recover. If you are cancelling your policy after the cooling-off period, you will receive a partial refund, minus any cancellation fees and government charges and taxes that InsureandGo is unable to recover.
The cancellation fee is calculated based on the number of days remaining in your policy term. You can find more information about InsureandGo’s cancellation policy on their website.
Frequently Asked Questions (FAQs)
InsureandGo’s claims process typically takes 10-14 business days, but this may vary depending on the complexity of the claim.
Yes, InsureandGo offers cruise insurance. It has two levels of coverage: Silver and Gold. Both levels cover medical expenses, trip cancellation and interruption, baggage and personal belongings, personal liability, and cruise-specific benefits such as missed departure cover and cabin confinement cover. The Gold level also covers pre-existing medical conditions and has higher coverage limits for all benefits.
