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InsureandGo Australia

InsureandGo Australia

 Verified🏆 2026<span _componentName="SubtitleLink" {"to": " https://t.cfjump.com/33786/t/88580"}>www.insureandgo.com.au
InsureandGo Australia
4.3

7,375 reviews

Positive vs Negative
83%17%
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Claim Resolution Time
  • <10 minutes
  •  · 
  • <1 hour
  •  · 
  • <1 day
  •  · 
  • <1 week
  •  · 
  • 1-2 weeks
  •  · 
  • 3-4 weeks
  •  · 
  • 1-2 months
  •  · 
  • 3+ months
Claim ApprovedYes · No
Transparency ?
3.9
Customer Service
3.9
Value for Money
4.1

 AI reviews summary 

Pros
Application process: The online system is fast and straightforward, with clearly explained questions and an easy-to-navigate interface.
Medical condition coverage: Pre-existing medical conditions are easily declared and often covered with minimal or no additional premium fees.
Competitive pricing: The policies are frequently lower in price than major competitors and travel agent quotes, especially for seniors and families.
Product range: A wide selection of tiers and specific add-ons, such as cruise, natural disaster, and pregnancy cover, allows for tailored protection.
Cons
Claim disputes: Claims for travel delays or damaged valuables are sometimes denied based on specific policy exclusions or definitions of additional expenses.
Communication delays: The claims assessment process can involve long wait times for responses and repeated requests for documentation.
Cancellation fees: Cancelling a policy after the cooling-off period results in high service fees that significantly reduce the refunded amount.
Verdict

The service is highly regarded for its affordable premiums and an efficient, user-friendly purchase process that accommodates medical conditions well. While many report successful claims, others encounter difficulties with slow communication and specific policy exclusions during the assessment phase. It remains a popular choice for travellers seeking comprehensive coverage at a lower price point than traditional insurers.

Anthony
Anthony VIC
  Pinned  International Travel Insurance - Bare Essentials

Great service – I recently travelled overseas and had insurance from this team.i had health problems whilst overseas and the team was absolutely fantastic! They communicated with me every step of the way to make sure I was OK and the claim was quick and effortless.The process was easy and all the team was very polite and caring.i felt that they genuinely cared… Read more ·  1

and provided great customer service responding promptly to all my needs.I want to thank you all and would highly recommend anyone to take out insurance cover with you.great work!Thankyou team!

4  Jen b.  · Quick and easy forms to complete. Well worded questions and well explained cover.
5  Paul  · InsureandGo gave me exactly the policy that I was looking for. It is ideal for both my wife and I to cover our multiple trips for a year.
5  Flying Grims  · I e never had to make a claim and id rather jeep ot that way, but ive used insure and go 9 times now always cheap and easy to use website
5  Richard  · Very competitive rates on comparable products. easy and straightforward purchase
5  Scott D  · Easy application process and accepted with pre-existing medical conditions. This is my second policy and no claim was made on the first.
5  Karen  · After reviewing 5 options with other providers, we selected you as the best for for our needs, at the right price with good reviews
Sean
Sean NSW
   Verified  International Travel Insurance - Bare Essentials

Insure and Go were excellent. Understood my predicament and paid out fully on my claim. Claim process took a few weeks and relevant documents required. But all good in the end. Show details

Ask the reviewer

Reviews with attachments

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Lynda
Lynda 3 posts
   Fair Incentive  International Travel Insurance - Silver

I travel internationally for leisure at least twice a year. For at least the last eight or nine trips I have chosen to travel with Insure and Go. Whilst I have, fortunately, never had to make a claim, I have travelled with people who have needed to do this and I have been impressed with how efficiently the claims process was with by Insure and go.… Read more

Further to this, when I have had to make policy changes or ring about clarifications, I have been consistently impressed by the customer service on the phone and via email. I will continue to choose ensure and go because I feel confident being covered by them during my adventures.

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linda.godbee.5
linda.godbee.5 NSW 4 posts
   International Travel Insurance - Silver

I have always used Insureandgo for all my travels. They have always been the best value. When we travelled to Norway we had to cut our holiday short due to a family member passing away at home and we had no problems making our claim. It was very easy. Show details

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Karina S.
Karina S. VIC
   Verified  International Travel Insurance - Gold

InsureandGo's booking process was easy to understand, especially the inclusions and exclusions. I was recommended then via Canstar website and was impressed by their high ratings and awards. I was also impressed with the clear and concise language used (Plain English) which helps when choosing a policy. Show details

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Artemis
Artemis VIC
   Fair Incentive  Verified  International Travel Insurance - Silver

Best online service and also when I called the call centre, super informative! Best prices and great cover all round. I went with Insurance Go as it has top pregnancy low risk cover. Thank you, team. Show details

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sun
sun 2 posts
   Fair Incentive  International Travel Insurance - Silver

I've been using InsureandGo for many years now. For every international trip I do. I will not go with another after a freak accident I had in Hawaii where I fell off a 3m ledge and survived with only bruising, concussion, a large bump on the head and a sprained pinky finger. I was so lucky. The medical costs was outrageous. Without travel… Read more

insurance, i would have been up for just under $100K AUD! Thank god for travel insurance and insuranceandgo. They were great and so easy to deal with.

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Kat
Kat NSW 3 posts
   Verified  International Travel Insurance - Gold

Easy procees, helpful customer service and not too many options which gives clarity Show details

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Sue
Sue QLD 4 posts
   Fair Incentive  Verified  International Travel Insurance - Bare Essentials

Very easy to get a quote on line, with various options. Easy to pay and get your policy via email. I have used Insureand go a few times now and have recommended to friends and family who also now use Insureandgo Show details

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nicole
nicole QLD 9 posts
   Verified  International Travel Insurance - Gold

Easy to navigate the site. The pricing is very reasonable. I was referred by a business partner who runs motorcycle tours worldwide, luckily I have never had to use the policy, however they recommend to their patrons to use insureandgo due to having hassle-free claims and good coverage for previous clients. I have bought insureandgo for three trips now, and have recommended to a number of travel partners. Show details

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Pete D
Pete D NSW 2 posts
   Verified  International Travel Insurance - Gold

We purchased travel insurance with InsureandGo Australia for our family trip to Japan and found the policy easy to set up and well priced for the level of cover provided. The coverage was clear, comprehensive, and suited international travel, including medical expenses and travel disruptions, which gave us real peace of mind while overseas. The… Read more

policy documentation was straightforward and easy to understand, and we felt confident knowing we were well covered throughout our trip. Thankfully we didn’t need to make a claim, but based on the clarity of the policy and overall experience, we would happily use InsureandGo again for future travel.

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Cass
Cass NSW
   International Travel Insurance - Silver

I have used InsureandGo for all of my previous 3 international trips. Great communication and competitive pricing for good service. Show details

Find out how InsureandGo Australia compares to other Travel Insurance

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Latest follow-ups

Paula A.
Paula A. NSW 3 posts
   Fair Incentive  Verified  Domestic Travel Insurance - Gold

Senior with medical issues – I bought the policy online. The medical declaration was somewhat cumbersome, but at least they cover me for all my complex medical issues Show details ·  2

 Follow-up  · I have claimed twice on the annual policy. The first time was for illness on a cruise and all my costs were covered. The second claim was form lost glasses when in transit in Indonesia. They covered the amount I paid for the glasses but with not refund the amount paid by my health fund, which was disappointing, but in line with the PDS. I will… Read more

Nechan
Nechan 5 posts
   International Travel Insurance - Gold

Awful experience; I cannot recommend this service at all. Acquiring the insurance is straightforward, yet the claims process is exceedingly hard. The approval timeline is painfully slow, particularly when individuals are badly injured and require… Read more

support the most. They tend to over-promise during phone conversations, yet fail to deliver in a timely manner. They assure you that "they can support you and you are their top priority, so do not worry; they simply need the medical certificate." However, until you provide the medical certificate, their communication is incessant—calling and emailing you every few hours. Once you submit the certificate, their correspondence abruptly ceases. We reached out to them, and they assured us, "we will call you back in 1-2 hours," yet no such call made. Shortly thereafter, we received an email stating they could not contact us due to an incorrect phone number. How is it possible that they were able to call us consistently prior to receiving the certificate, yet now they cannot? We needed to upgrade our flights upon the surgeon's recommendation, but we refrained from doing so because this insurance company failed to provide us with guidance until we returned to Australia. While en route, they inquired, "are you still overseas or in Australia? You need to upgrade your flights. If you do, please send us the new itinerary." They seem to revel in paperwork! There was no support or direction. It was utterly absurd! My husband faced considerable difficulty returning without an upgrade. This insurance company exacerbated our situation, creating more stress than we could have possibly anticipated. I sincerely hope that no one else falls into this trap.

 Follow-up  · What was the final claim amount?--they didn't pay any for travel arrangements. The medical bills were paid by the country government, not this insurance. Did you get a refund?--none How did you manage without upgrade?--we paid for ourselves. stress and discomfort on traveling back to Australia

InsureandGo Australia
InsureandGo Australia    

Hi there, I am sorry to hear about your… Read more (+1 reply)

Anonymous
Anonymous NSW 2 posts
   Fair Incentive  Verified  International Travel Insurance - Bare Essentials

I found the policy to be very clear and easy to understand, with the benefits explained well. It was simple to compare the Gold, Silver and Base Essentials plans because they were displayed side by side, making it easy to choose the cover that best… Read more ·  1

suited my needs. Even the Base Essentials plan offers excellent value for money and provides a good level of cover. The online process was straightforward and easy to complete. This is not the first time I have taken out travel insurance with InsureandGo, and I have been happy to return because of the competitive pricing, clear information and ease of arranging cover. I would recommend them to anyone looking for reliable travel insurance.

 Follow-up  · Very smooth no issues. Very happy with clarity and understanding.

In-depth reviews

Neale McKinley
Neale McKinley NSW
   International Travel Insurance - Bare Essentials

Hi, I recently traveled to Japan and experienced an unfortunate passport mixup on the day of my return flight causing me to miss my flight. Not thinking it could be a viable claim due to my lack of attention to detail i paid for my return flight & returned back to Australia. I contacted Insure&Go a couple of days later & it was suggested that i… Read more ·  1

put a claim in. I went online and completed the application where possible as I could only provide the details of the missed & rebooked flight together with a bank transfer receipt of additional flight payment - this was not all the required documentation as i simply didn't have it. To my surprise and absolute joy i was contacted by Shahila Jaafar from Insure&Go and with a couple of back & forth emails over 2 days my claim was approved and the funds were transferred into my account the next day. I've never experienced dealing with such a prompt, professional company such as Insure&Go. Their service was of the highest level and the fact that they waived there required documentation following my explanation was so unexpected but truly appreciated. i'll not travel again either domestically or internationally without taking out one of there great value policies.

Meg D.
Meg D. VIC
   Domestic Travel Insurance - Gold

Queensland. I've found that when hiring a car, it's often much more cost-effective to purchase domestic travel insurance than to pay the rental company's expensive daily excess reduction fees. Unfortunately, during this trip we were unlucky enough to get a small chip in the front windscreen. The rental company charged almost $700 for the repair. … Read more ·  1

When we returned home, I lodged my claim through the InsureandGo online portal. The process was straightforward and easy to use. I received confirmation that my claim was being assessed and was advised that I would receive an outcome within 10 business days. My claim was approved within that timeframe, and the payment was processed virtually straight away.

This was the first time I've ever had to make a travel insurance claim, and InsureandGo made the entire experience simple, quick, and hassle-free. The damage to the windscreen caused a lot of stress and anxiety during our holiday, but InsureandGo Australia handled everything professionally and efficiently.

I would highly recommend InsureandGo Australia and will definitely use them again for future trips. Thank you so much for the excellent service!

Chris M.
Chris M. QLD 4 posts
   Verified  International Travel Insurance - Gold

Went to Thailand. Declared a pre existing condition being atrial flutter which was accepted. Unfortunately, on arrival in Koh Samui I had a flare up and had to go to hospital via ambulance. When assessing my claim, the company stated I had not… Read more

declared heart failure (which it was not - its just one of my prescriptions is also for that in other people). I DO NOT HAVE HEART FAILURE! Then they said I did not declare a pacemaker (I tried to declare this but you could not on their site as it is a part of the original condition declared) I was not appreciative of basically being told I was a liar. They then said they wanted a release of my medical records in Australia which I had to do by phone typing in the hospital bed. While all this was going on the hospital would not treat me without me paying $5000 as the insurance would not clear me at this point. I had no alternative but to pay. Shortly after and many calls from Thailand to them in Australia they agreed to cover my declared condition. They did not even ask for my medical records to be released. Meanwhile the hospital said the $5000 paid would take about 20 days for a refund. I then had a further follow up appointment in Samui and then in Bangkok later. On both occasions I could not leave the hospital until the company approved the expense even though they had stated they had given pre approval. I waited over 2 hours on each occasion and in Bangkok had my driver waiting with me at a further cost. After many emails I asked that my treatment be considered a complaint. Nothing happened even after they said I would be contacted within 2 days. They went to close my file and I asked about my complaint and their response was - sorry we will get them now to contact you. I gave up at that point just glad that I was home and vowing to never use them again for travel insurance.

 Follow-up  · Follow up - I received an apology from the company, no refund and no compensation from them. They did pay out the medical bills eventually. The Bangkok hospital was wonderful as was my medical treatment in Thailand. The pacemaker was covered as Insure and go admitted that their system would not let me declare it. Would I use them again? No.

InsureandGo Australia
InsureandGo Australia    

Hi Chris, I’m sorry to hear about your… Read more (+2 replies)

Positive reviews

Gazza
Gazza SA 2 posts
   Fair Incentive  International Travel Insurance - Bare Essentials

Great easy to work out what is covered and pricing. Hopefully won’t have to use it on my cruise but it’s comforting to know I will be covered if anything happens Show details ·  1

Bboys
Bboys NSW
   Fair Incentive  Domestic Travel Insurance - Silver

The quote and application process was super easy. I also loved the NSW Seniors Discount! Thankfully, I didn't need to make a claim but, because we were hiring a car, I wanted to have the excess cover rather than pay exorbitant fees to the hire car company. I've booked my 2027 European holiday with InsureandGo as well. Show details ·  1

Rob J.
Rob J. NSW
   International Travel Insurance - Gold

I chose Insure & Go after researching comparable travel insurances by competitors. Main reason I chose it is because it offered everything everyone else does (with same or higher insurance limits in all cases) PLUS it was the only insurer who didn’t have an age limit on covering an healthy elderly close relative in the event of their sudden death cancelling my travel plans. Show details ·  1

Find out how InsureandGo Australia compares to other Travel Insurance

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Negative reviews

MURRAY
MURRAY
   International

Wouldn’t use them again that’s for sure , put in 2 claims that we thought were both going to be paid ,one was for missed accommodation due to a cancelled flight, no sorry we won’t pay that & the second was for a medical issue due to medication getting frozen in a faulty fridge sorry we won’t pay that, did finally pay the second after a massive fight with them . Never again Show details

InsureandGo Australia
InsureandGo Australia    

Hi Murray, I’m sorry to hear about your… Read more

iqrazr
iqrazr
   International Travel Insurance - Bare Essentials

I must say the price was competitive hence i bought it but i didn't realise when it comes to claims there is a lack of communication. i submitted my claim and only get reply’s after a week for more documentation and then another week or 2 before the next communication for more documentation. from claim to approval took about 6 weeks. i will not recommend them if you want to have your money back in a reasonable time frame. Show details

Peter R
Peter R NSW 3 posts
   International Travel Insurance - Gold

I was shocked & annoyed to have a reimbursement claim denied when I was forced to forfeit a prepaid hotel booking that I was unable to use due to a flight delay that met the Insurer's required minimum delay. Apparently it is an 'unused expense' and… Read more

not an 'additional' expense. To me, the PDS is at best opaque on this exclusion, and at worst deceitful. Buyer beware!

 Follow-up  · After 1 month, I have had no contact about my 'terrible' product review apart from an initial undertaking to "look into it". I have also lodged a complaint with AFCA. Stunningly, before my product review their internal complaint process confirmed denial of 3 parts of my claim and on the 4th, they actually reduced a previously advised… Read more

InsureandGo Australia
InsureandGo Australia    

Hi Peter, I’m sorry to hear about your… Read more (+1 reply)

Recent reviews

EMMA
EMMA Victoria
   International Travel Insurance - Silver Cruise

Easy to apply and get good value cover, as my husband has lifelong health conditions so some insurers won't cover, or make the application difficult and then the premium very expensive. Insure and Go are always well priced and offer good cover for us. Show details

HCTaylor
HCTaylor 2 posts
   International Travel Insurance - Gold

I used this company last year when we went to Europe. They were straight forward and great with communication (reliable) so naturally we are using them again for our 2027 trip to Japan. They also offered the best defence discount! Show details

John
John QLD 4 posts
   Fair Incentive  International Travel Insurance - Gold Cruise

I booked a cruise with a travel agent and asked for travel insurance for that cruise and was shocked at the exorbitant rate they quoted. I declined and searched online and thankfully found your website. On enquiring with the agent for a reference they were positive and gave a good review. I was very pleased to see that the type and level of cover… Read more ·  2

matched or exceeded the cover they offered, at a much more acceptable price. For over 20 years I used travel insurance cover provided by the Platinum Rewards credit card from my bank but as they are withdrawing that from December this year I was forced to search elsewhere. I thank you and will be using you again for future planned travel. John

Mick
Mick VIC
   International Travel Insurance - Silver

I compared about 40 single-trip policies on Compare the Market, plus RACV and Tick, for a 3-week family trip to Malaysia and Singapore (two adults and a 13-year-old). I read the PDSs, not just the headline prices, and bought Single Trip Silver at $220.79 for all three of us. What won me over: Per-person limits for every traveller, including our… Read more ·  1

son, rather than limits shared between the adults. That’s $15,000 cancellation and $7,500 luggage each. Unlimited overseas medical, including emergency evacuation back to Australia when medically necessary. Extras the cheaper policies left out: travel delay, delayed baggage, passport replacement, rental car excess cover, hospital cash and loss of income.

I haven’t made a claim yet, so this reflects the purchase and the policy terms, not claims service. I’ll update this review after the trip.

BCC
BCC 2 posts
   Fair Incentive  International Travel Insurance - Silver

Michelle was my sales consultant he was great very helpful rang back when he said he was . He was also very funny and relatable during our calls . Will definitely go back to him . Show details ·  1

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