InsureandGo Australia International Travel Insurance - Gold

Went with this cover as I will be 29 weeks pregnant and going on a “baby moon” with my hubby and 2 year old before baby arrives. I had a few questions regarding the cover and the team responded straight away providing all the information I could need. Feeling very at ease that all our needs will be meet if anything happens whilst on our holiday Show details

We found it an easy process to apply for the insurance and there were discount codes available for seniors as well. It is important to declare medical history from the last 2 years as written in their T's and C's, and yes it adds a bit more to the initial quote, but it's piece of mind! The "cruise gold" I found to be quite comprehensive in… Read more

their amounts covered, as I did multiple comparisons. This is the 2nd time we have used Insure and Go.

We have not made a claim, so cannot comment on this aspect.

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.

InsureandGHOST – What can I say, except for Insureandgost is not a company you can rely on. At this point, it's not even about what they covered, it's about the fact they just simply ignore correspondence and choose not to reply. I went to the hospital with a… Read more

problem and being valid it was approved on 17 April. I was asked to supply my bank details and on 18 April I did, to their staff member BK In the same email, I provided bank details i mentioned I had medical concerns and did not know what I should do or what I was covered for and that I would appreciate some help, some direction. At this point, I had back pain for 5 or 6 weeks and I wasn't having the holiday I intended as I was restricted physically, I was spending a lot of time on my back on my bed. I didn't know how to approach further medical pathways or whether returning to Australia till I was better was possible or feasible, I didn't know much about the procedures and technicalities of it all. So I mentioned this in the same email with my bank account details. I got no response at all and on 26 April I emailed again asking if they received my bank details and questions about my other medical concerns. On 29 April I got a response from BK saying yes they received my bank details, but they did not mention the part of my email where i asked for their help. I heard nothing. On May 8th I put in a complaint via the website Complaints form, and have heard nothing, Really, it's pretty disgraceful.i have 9 days left and out of about the last 8 weeks i have spent about 6 weeks of them in my room lying down. The hospital offered to look at my problems further but obviously, I need communication from Insureandghost to move forward there as the cost could go over their automatic submission level.

How could i recommend this company to anyone? The nicest most helpful person i dealt with in the company was the sales lady i spoke to when i ordered the insurance before my journey commenced. No one is accountable in this company, beware.

I was getting completely overwhelmed by who to choose for travel insurance, but when i saw the reviews and feedback for insure and go, as well as my parents decision to also go with them it made it so easy to make my final choice. Their value for money including great coverage and history of easy claiming made it the only choice really Show details

This was our 8th family trip overseas. Policy was reasonably priced. Tried calling the toll free number from overseas regarding hospital costs (reimbursement) multiple times and call would not connect. Emailed several times regarding same query and no response even after a week. Finally got a response and was told to call toll free number again… Read more

which didn’t work. Claim process was an absolute nightmare. Took around 3 months to resolve and different customer service reps provided different advice. Initially our claim was refused in its entirety. Some appeared to lack basic training in the claims process. One of our bags was lost while transiting. Bag had items from 3 different family members. Claim required we needed to pay 6 excesses for the one bag. One excess paid x 3 times due to items from 3 different people and a different excess x 3 again. From memory needed to pay about $800 in excesses. Claims portal was extremely clunky as it wouldn’t save our progress or allow us to submit. Our claim was finally accepted after dozens of calls and emails. Needed another holiday to reset from the extremely lengthy and frustrating claims experience. First and last time will use Insure & Go. I hope others have a more positive experience when claiming.

As always these kinds of insurance are "easy to buy", but as I'm 52 and have had some medical issues there were extra costs to get the right cover. The Mrs has also had sugeries that needed recording. Due to this, the cover wasn't cheap, but as… Read more

we were going through 5 countries we thought it best we had it covered. We're pretty careful so avoided places in Italy where pickpockets are rife (like the metros), and had a great trip with no need to claim. I know claims are always the hard part and that I cannot comment on that process, hence "full five stars", the main reason for this is I felt we had the cover we needed and when we got back they sent us an email in case we needed to raise a claim. I appreciated that email, and felt like they weren't just playing "we've got your money, now get lost" like many insurers. Now we've used them, I'd use them again, they were a little expensive but I guess they have to cover risks with people with pre-existing medical conditions and at least I felt having told them and having these accepted was peace of mind.

FINALLY FINAL EDIT ... 1 Nov 2026: Full amount paid on 31 Oct, so up to 4 stars now. Why not 5? Because this process was excruciating in that emails from me to the nominated Insure&Go contact addresses were either not answered, or they were answered such that the question(s) I was asking were not addressed at all. Plus I was clearly informed… Read more ·  5

on 8 Oct that the payment would be made in 5-10 business days and it wasn't, with the result that I had to draw some additional pension to pay the Mastercard bill of just over $AUD10,000 otherwise I would have been hit with their interest charges. If they had simply said something like "we do our payment runs at the end of each month" I could have planned around that. I am of course grateful (immensely) that the costs were eventually covered. BUT ... I feel that Insure&Go is running a risk of turning into another Cbus, based on their anything-but-transparent offshoring and/or AI-ifying of all customer service. I don't blame the individual workers, they can only do what they have been told to do with the tools they have been given. Will I insure with Insure&Go again? Yes, because they eventually came good. But in a case like mine, where I had thought I was actually going to die, the additional stress of the claims process was not what was needed. ORIGINAL INTERIM REVIEW 6 DAYS AFTER LODGING CLAIM (on 27 September): This is an interim rating for my Annual Multi-trip Gold policy. I'll update it again when something more (or anything really) happens at their end. I had a major incident during our last night on-board ship in the Mediterranean, I was immediately transferred to their on-board ICU for a night with suspected heart attack. The care provided by the ship's medical team was exceptional, albeit very, very expensive (that's another story which I will relate elsewhere). I called I & G from the ship the next day - disembarkation day. The ICU treatment/monitoring, several ECG's, bloods, intravenous drip, being hooked up to the machine that goes ping etc etc went from about 8pm that night to 3am that next day - disembarkation day - so in my sleep-deprived state I wasn't really in a condition to think about or call anyone about anything until later that morning - disembarkation day - and I & G (a nice man in India?) advised me to lodge a claim online. So once I'd returned to Australia, I attempted do exactly that (on 27 September), except their oneline system refused to acknowledge my policy number. So another phone call to another nice man (in India?) who sent me a link to the editable pdf they needed filled out, plus a statement of all the other documentation needed. I duly did all this, sent it off (all 40 pages of it including the detailed medical reports etc. requested) and still 3 days later no acknowledgement that they had received it. So another phone call with a nice lady (from India?) who said they would get on to it asap, but yes, they had received the claim. Meantime I have to cover a $AUD10,000 medical bill from the ship (as with most ships, they automatically debit your credit card with every possible expense they deem you have incurred during the voyage). I had also, within two days of returning to Australia, visited my GP who said he would have expected that I would have been asked to obtain a "no prior conditions" statement/certification from him. That hadn't been asked for by I & G, even though I emailed them and asked them to let me know what they need in this regard. As I said, I'll update this review when something more happens their end. UPDATE (8 October): They've emailed me to say the claim will be paid in full, less the $200 excess. It's been a bit tortuous to get here but as soon as the money hits my account my rating will go to 4 from 3. BACK DOWN TO 2 STARS: Their email confirming that payment would happen said they needed 5-10 business days (why, I have no idea). It's now the end of the 10th business day (22 October). Nothing in my account. So I sent a very polite email querying when it was going to happen, given I need to pay my Mastercard bill by the end of the month (October). I got an automated reply saying, inter alia, that "A member of our team will be assigned to assess your claim and they will contact you as soon as possible." But I'm not making another claim, I'm just following up on the existing one, for which their assessment has already occurred. It's now nearly 4 weeks since I submitted the claim. UPDATE 28 October. I have now (yesterday) sent another email asking for urgent follow up, with absolutely no response received to that email. If I treated my own customers this way then I wouldn't have any.

I was visiting family in the US when I contracted a severe case of Influenza A. It was severe enough that I rang Insure and Go and told them I was going to go to the Emergency Dept. I saw a Dr. and had a chest X-Ray. Insure and Go were outstanding! Clear instructions and an extremely fast reimbursement. I have been using Insure and Go for several… Read more

years, and am about to go on another trip with Gold level Insure and Go coverage. I wouldn’t go with any other company.

The policy I feel is good value. Yes it is very simple to set up. I have used insurengo now my 3 rd time. I will continue to use it as long it stays good value for me. Show details

It was a very easy process to access the website and fill out the details to get a quote and then book. The true test will be if I have to make a claim and how well the company performs then. I have changed insurers to InsureandGo from my last company as I was stuck in the artic circle and was supposed to be covered for delays, even when caused… Read more

by natural events (with a different insurance company), but when it came to the claim, I got no help or any compensation for the event (from the other Insurer). I hope that if I need them, Insureandgo will be there to help. So far, so good...

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

Recently purchased a Single Trip Gold Travel policy long international trip ,very disappointing experience with Insure&Go, After my baggage was delayed and mishandled by the airline, I submitted a claim for resulting losses and damage. The claims process has been frustrating, with large parts of my claim rejected and aspects of the claim… Read more

incorrectly characterised during the assessment. Insure&Go subsequently acknowledged shortcomings in its original assessment.

Despite going through their internal complaints process, the matter remains unresolved. I am now referring the dispute to AFCA for independent review.

There is little value in having travel insurance if, when something actually goes wrong, you advised that exclusions significantly limit the cover you believed you had purchased.

Based on my experience, I would recommend carefully reviewing the exclusions and claims conditions and asking questions before purchasing an Insure&Go policy.

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.

Every time we travel overseas, we always take out travel insurance with InsureandGo. The quote process is quick, the application is easy, and there are plenty of options to choose from. Thankfully, we’ve never had to make a claim before, but knowing we have travel insurance with us always gives us peace of mind. It’s something we wouldn’t travel… Read more

overseas without.

We’re planning another overseas trip this year, and as always, we’re getting everything ready with InsureandGo. Feeling prepared and reassured before we go! ✈️

Highly recommend getting a price from Insure&Go for your travel insurance. I have used them for about 5 years now for single, cruise and annual multi trip insurance. Easy to get a quote, super easy to put in prior medical information, most of which did not incur an additional fee. Show details

My go-to travel insurance I have used InsureandGo travel insurance many times and have always found the process easy to understand and straightforward to arrange. On one occasion, I needed to cancel a policy after taking it out, and InsureandGo dealt with the refund quickly and without any issues. That experience gave me even more confidence in… Read more

the company.

Overall, I’ve been very happy with the service and ease of dealing with InsureandGo. Having used them many times, they are now my go-to travel insurance provider. I would happily recommend them to others.

Amazing Company & service. I usually book my travel Insurance a year in advance & my 10yo son was diagnosed with T1D within that year & nothing was of issues to add this to our existing policy. Couldn't recommend them more. I have again booked the policy this week for next year :) Show details

It was easy from the start, and when we did have to claim there were no hassles at all. All the staff we engaged with across the entire process were nice and respectful. I'd absolutely use InsureandGo again for our next big family trip. Show details

i've used Insure and Go for years and i trust them a lot! Back in 2024 i went to Bali and unfortunately got Typhoid. Once informed, they were super quick to help and cover the costs too! Would definitely recommend :) Show details

I have taken out a travel policy for an upcoming overseas trip. Was an easy, stress free experience! The policy was good value compared with other companies. Happy with my decision. Show details

Very happy so far with insureandgo so far. Quote was very easy to do and pricing seemed quiet good. Have heard good things about them so decided to give them a try. Show details

Stumbled onto Insure and Go whilst trying to find Travel Insurance for a 19 night cruise from Honolulu to Sydney. Was a little concerned about the few days we were land based in Honolulu prior to boarding. so decided to phone Insure and Go for clarification, the Lady i spoke with was absolutely fantastic, so helpful, got off the phone and purchased the Gold policy. Show details

Purchased travel insurance for upcoming trip, have previously used Insure and Go on the advice of friends. Like all insurance is something we hope we never have to use, but need for peace of mind. process of purchase was seamless Show details ·  1