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InsureandGo Australia International Travel Insurance - Gold Cruise

InsureandGo Australia International Travel Insurance - Gold Cruise (page 3 of 7)

3.6 from 138 reviews · View Statistics


  • Value for Money
    3.7 (103)
  • Transparency
    3.5 (93)
  • Customer Service
    3.5 (97)
  • Claim Resolution Time2-4 weeks (9), 1-2 weeks (4), 1-2 months (3), 3+ months (2) and <1 week (1)
  • Claim ApprovedYes (17) · No (6)

Easy to use


Second time user , find it very easy to use and getting quick response back , did some checking and they appear to be very competitive with a good price , haven't had to call yet for any reason I can only hope that the transition of a claim is as quick and easy should a claim be made in the future .

Wouldn’t be without it


Trouble free set up first time user with insure and go
Mostly very good reviews
I did my research and this insurance had much better reviews than my regular insurer so decided to give them a go.


KarenSydney, NSW

Great value travel insurance


We have been using Insureand Go for several years now. The main reason is because the 1st time we used them we had to cancel our trip due to an accident and the response and quick managing of our claim was very much appreciated. We were paid back in a respectable time frame. Their prices are always competitive with other companies and we wouldn't use anyone else now.

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Mary-AnneHunter Region, NSW

  • 2 reviews
  • 1 like

Excellent value and good coverage while travelling - Great Value.


This our first use of Travel Insurance, we are pleased with the outcome, value for many and excellent item coverage to meet our needs. Our trip later in year and service from the web site was very good, clear and concise information to assistance in obtaining a quotation.


MichelleGoulburn Valley, VIC

Easy to do


Very easy to obtain. First time using Insure and Go and hopefully won't have to claim. Expensive for existing medical conditions such as cancer (remission) and lupus but must have it for peace of mind while travelling.


ElizabethIllawarra, NSW

Good value


First time user of this company. Was happy with the coverage and ease to set up on line. When I needed to ring with a question the staff were very pleasant and helpful. The policy is for a future trip. I hope things are as easy if I ever need help overseas or to make a claim.


KateCentral West, NSW

A travel necessity.


Good value for money, competitive pricing, easy to set up. Helpful with my inquiry, explained details in an easy to follow manner. First time using Insureand Go, with no claims so far.

Peace of mind while on overseas travel


I have used Insure and Go for over 10 trips abroad. It is value for money specially for seniors like me and my wife. On line application for cover is very convenient.

Fair and Reasonable

Fair and ReasonableSouth East Queensland, QLD

Good value for money


Have insured with them for an upcoming cruise - land - cruise Europe to North America in May 2020. Have used them before. When we returned from our 4 week trip in 2017 Ins & Go sent us a message noting that we have returned and reminded us to make any claim in a timely manner. We had none to make, but appreciated their attitude. We carefully looked at inclusions and exclusions, and they were - and still are - just as competitive in these areas. Fact is they are a lot cheaper than other big suppliers.

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ClaireMetropolitan Adelaide, SA

Peace of mind


Very good value and very easy to set up. I asked for assistance at one stage and the response was very swift. I’ve only used this travel insurance once but I will again with no hesitation.



Great can't go without it


Didn't have a problem with it at all. Good value and very easy to setup.
No didn't need to put in claim.
This is my first time using InsureandGo.
Thank you Debra Hellwig


JohnGreater Melbourne (Metropolitan), VIC

Competitive travel insurance


Good value, second time client, claims was easy to submit online although claims process took a long time to be approved, two to three weeks. Easy to contact consultant when following up my claims.

Geoff Shaw00

Geoff Shaw00Perth, WA

  • 2 reviews

Great process,value - but one negative to watch when a Senior!


Extremely easy to obtain on-line quote, then proceed with purchase. Great recommendations, very user friendly process, and value by comparison with others. One negative aspect though, as applies to me, seniors above age 75 cannot take out travel insurance until 4 MONTHS out from departure date. But booking deposits, air fares, hotels etc. must usually be paid at time of confirmation - which, in the case of far-off cruise availability, can be many months in advance. This leaves me uninsured against these outlays for this period! Fail to understand, given that NO KNOWN pre-existing conditions exist, have healthy constitution, mobility, etc.
Have used once previously, but when under 75 yo.

lily may

lily mayHunter Region, NSW

Easy to deal with


Have used this company a few times and keep going back to them. One year my husband was ill and admitted to hospital for 6 days in Europe. When we arrived home notified the company, had all receipts and it was all finalised in about 2 weeks. You cannot get better service than that and we are using them again this year and have recommended then to family and friends


CruiserHobart, TAS

Good value for money


easy to set up, I did make a claim - It took a little longer than my traveling companions who used other insurance companies which was a little frustrating but all in all will use again and claim was easy to do, just took a little while to process.

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Rhonda Pompeuse

Rhonda PompeuseMetropolitan Adelaide, SA

Great value


Everything was easy about purchasing the policy ,, have not had to claim so cannot comment on that , it was great to find somebody to cover my husband who had a past illness without any hassles


BenMetropolitan Adelaide, SA

  • 4 reviews
  • 1 like

Holiday covered


The policy was well priced and the medical screening required easy to undertake and covered our conditions. The resultant prices increase was well within expectations and fair considering our issues during travel.

Off cruising again


I think this is the third time we have used Insure and Go, couldn’t fault the whole process of applying for, doing our health check and receiving insurance - now looking forward to our cruise.

Julie Fayers

Julie FayersSydney, NSW

  • 2 reviews

Slow but can still go!


Travelling with an elder can be a challenge but knowing that we have full comprehensive insurance eases some concern. The first experience was in 2015, travelling to Egypt, Jordan, Gallipoli then back to Venice. Next heading to Russia.
I now use and recommend InsureandGo for all travel even without an over 90!



  • 8 reviews

Good Product, lets hope I don't need it!


Easy to use web site and great value compare to other sites I looked at.
I have used this company before and hopefully will use them again.
Hopefully never have to claim from them!

Page 3 of 7
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Questions & Answers



International Travel Insurance - Gold Cruise

Would we be covered by our insurance for a refund fee of $900 per person ($1800)for overseas flights? Policy taken out 15/1/2020. We do not wish for a credit on these flights as we will not be able to travel in the prescribed time given by the airline

2 answers

grannyma , Ring 1300136374 and ask to speak to Nathan . He will tell you .

InsureandGo Australia
Anna J.InsureandGo Australia

Hi Grannyma, thanks for reaching out. It's impossible for me to tell without knowing all the details of your claim, but based on your purchase date, you are eligible to claim assuming your level of cover was Silver or Gold.

Please see the below link which includes a list of the documents you will need to submit along with your claim, and the contact details you will need to submit your claim by email or post.

I hope this helps. If you need anything else, just reach out.

Thanks, Anna

Barrie C.

Barrie C.asked

International Travel Insurance - Gold Cruise

We took out insurance cover for our Cruise (GOLD Cruise policy) This was back in 2019, way before COVID-19 was announced or made a pandemic. Our cruise has been cancelled due to the government advising against the travel on non-essential organised gatherings of 500 or more. The cruise would of had over 3,000 people on board. Will your policy cover us or do we have to go to arbitration along the legal road.

3 answers
Barrie C.
Barrie C.

I guess the question was way too hard!

Melissa R.
Melissa R.

I am in the same boat so to speak! Lol hope we can recover funds if not travelling at all good luck Barrie C.

InsureandGo Australia
Anna J.InsureandGo Australia

Hi Barrie and Melissa, thanks for reaching out. Our cover for coronavirus hinges on when your policy was purchased. All policies bought after 4:00pm on 31st January 2020 have an exclusion for coronavirus related claims. Barrie, it sounds like you purchased your policy long before this cut off, so your policy has no exclusion for coronavirus related claims. Having said this, we do not cover claims based on change of mind, or fear of travel, and in order to make a claim relating to cancellation on medical grounds, there would need to be a medically valid reason and evidence for this. We published a travel alert that details our position on the coronavirus outbreak, so please read the following as it may be helpful for you: https://www.insureandgo.com.au/travel-alerts/latest_update-global-coronavirus-outbreak.jsp Thanks, Anna



International Travel Insurance - Gold Cruise

I have read there are various discounts offered when taking out a policy. The cover is for my 86 year old mum. I have also read in the reviews that on occasion claiming for cancelling of a trip is not covered, can you advise why this would be?

1 answer
InsureandGo Australia
Anna J.InsureandGo Australia

Hi DonnyDo, thanks for reaching out.

Yes, we do sometimes run campaigns where we will provide a discount, although the offer will vary, and discount campaigns run at different times and across different channels.

Regarding cancellation cover: it is available on Silver and Gold policies only, so purchasing a Bare Essentials would mean you are not covered for cancellation. Furthermore, as with any insurance product, there are also conditions that apply to the cover. For example, you will not be covered for cancellation due to: changing your mind, if you could not travel due to failure to obtain a passport or visa, or if you failed to check in according to your itinerary. This list is by no means exhaustive - there are other conditions and exclusions you should definitely be aware of. I strongly advise you to familiarise yourself with any and all situations where cancellation cover does not apply: please see Section A (page 19-20) of the PDS, which you can review here: https://www.insureandgo.com.au/images/ig-ms-pw-ot_tcm1005-157834.pdf. I hope this helps.

Thanks, Anna

Get an answer from our members and InsureandGo Australia representatives


Compare all 12 InsureandGo Australia
CategoryTravel Insurance
UnderwriterMitsui Sumitomo
Maximum Age Covered 100 years old
Medical Coverage
Overseas Emergency Assistance Unlimited
Accidental Death$50,000
Emergency Dental$500
Pregnancy (max weeks) 32 weeks
Resumption of Journey $3,000
Hospital Cash AllowanceUp to $75 per completed 24 hours up to $5,000
Overseas Emergency Medical & Hospital ExpensesUnlimited
Loss of Income$10,400 (maximum $1,733.33 per month)
Permanent Disability$50,000
Luggage & Personal Effects
Theft of Cash $500
Delayed Luggage $750 after 24 hours
Credit Card FraudNot Included
Travel Documents / Passport $5,000
Maximum Single Item Limit $3,000 (electronic devices), $750 (single article/set of items)
Luggage & Personal Effects $8,000
Personal Liability A$5,000,000
Rental Vehicle Excess $4,000
Motorbike / Moped Coverage Not Included
Domestic Pet Care Not Included
Special Activities Packages
GolfOptional Extra
Adventure Included
Snow / SkiOptional Extra
ManualDownload manual
Compare all 12 InsureandGo Australia

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