Good for Seniors
This is the first time I have used this company but it was recommended by a friend.
I haven't commenced my cruise holiday yet but it was a relief to obtain cover for pre-existing condition. The website was easy to use and the quote was acceptable.
I hope I don't have to make any claims but if the process is as easy as the website then it will be easy.
Good Cover at Reasonable Price
You do not have to be a computer wiz to set it up. Having recovered from a heart condition, I am still offered insurance at a reasonable cost, unlike competitors. Every time I travel overseas this is the only place I now go to get my travel insurance.
Policy is good value and was easy to set up. The cover appears good and service to date is efficient. Will use again if the experience continues to be positive.
Extremely poor claims experience
Second maybe third time insured with InsureandGo and this was first claim - for a theft at a market in Madrid. Obtained police report and provided reasonable proof of ownership, however, a long drawn out process that escalated to second level internal claims review before claim was properly paid. Call centre staff were always pleasant but not empowered to make any meaningful decisions and transfer to onshore claims staff often resulted in unavailability (' busy but will call you back') and no follow up. It felt like a process of attrition and if I had not persevered the claim would not have been fully paid. The amount of time spent by InsureandGo in delaying resolution was likely more than the cost of the claim.
Yes the policy was very good value and took no time to setup.
Yes lodged a claim and was approved of within a few weeks.
I have used this company once only.
Essential cover for travel with pre-existing medical condition
Steep premiums for a medical condition that has only manifested once and has not recurred in 20 years.
A small claim form loss of prescription sunglasses but took a lot of explanation to get co-operation and approval to have claim lodged and approved.
Have used InsureandGo 6 times.
Lost my bag and they were amazing
lost my bag, it was entirely my fault, they helped me locate it, paid for my essential items whilst overseas as well as the postage to get my bag back!
Easy Pezzy to get all the details in one quick user friendly look on the one page. Best prices around. Yay!
The policy was good value and easy to set up? I particularly liked the convenience of being able to see all 3 policies vertically and being able to compare each feature directly.
We should not rate Travel Insurance 4 or 5 stars on the purchase of travel insurance. This company regarding quoting and pricing thick all the boxes. Just make a claim and the stars will fall down very quickly. They say they cover lots of things, but in reality, they do not. I will not go through this company again. If you make a claim you will be very disappointed. Why bother with travel Insurance?
Have used single trip Insure and Go on several occasions. Excellent value. Modest claim last year for cancelled accommodation and airfare change due to illness. Claim resolved speedily, courteously, and without delay.
The following is a separate issue. While overseas we wished to add a short Mediterranean cruise to our itinerary. Although well ahead of the cruise date we were informed that it could not be covered as we had already left Australia. Furthermore we were told that if we attempted to take out a further policy to cover the cruis...e it would be rendered null and void. This is a preposterous situation and being fobbed off by talk about underwriter agreements doesn't wash at all. For example Insure and Go (UK) provides such facility to UK residents applying from outside the country. The situation means that travellers are prevented from availing themselves of opportunities that arise after they have left Australia. As pointed out out during communications it is hardly Rocket Science and does not sit well with someone who has spent the large part of a lifetime as a problem solver. Wake up Insure and Go (Australia). (This comment in no way reflects on satisfaction with the excellent experiences we have had over time with Insure and Go single trip insurance)
I found insure and go easy to deal with
The policy was a little higher cost than previous holidays.
I have lodged one claim in the past and it was dealt with promptly and it was easy to set up, except for the reason below.
One fault that could easily be rectified is the choices of cruise policies. Cruises to the South Pacific Islands from Australia could be made clearer. I had to ring up and ask the question. Please review the Domestic, South Pacific, New Zealand, choices when people are booking. The confusion could easily be made leading people to choose the wrong option.
The options below asking if ever a claim was made, should be in the past tense. i.e " Has your claim been approved" should read "Was your claim approved"
Great product always use silver for a cruise
Easy to use online. Have used insure and go many times on all my cruises. It is the best overall price of any insurance company. Would recommend to all my friends.
so far so good
cost of policy was very good, simplicity of web site so was also very good, can't comment on making a claim as haven't travelled yet, have used before fortunately without the need for a claim.
Cancellation of Insurance - impossible to get a refund outside the 1st 2 weeks after payment
Disregard the boxes requiring destination/making a claim as without completing these I would not be able to lodge this 'REVIEW'. I had paid $1635.79 for insurance in February 2019. Cancelled my trip with the airline and received not a cent refund for cancelling my insurance from this insurance company. Will never use this company agfain despite it having a so-called 2018 Choice recommendation
Upgrading from Basic which met all my needs for previous Asian based cruises
Now further away from Australian with Iberian and UK TRAVEL. Upgrade good value and easy to set up.
Third time for International cruise travel, from late Nov to early Jan. This time river cruise not sea voyages.
My wife and I are going overseas in June 2020 so I statred shopping for travel insurance. As I have pre existing medical conditions I shopped around and answered all questions ith all insurers honestly. .With the added costs for my conditions most came in around $600 - 700, which is fairly consistent with what I have paid in the past. I magine my dismay when Insure & Go came in at nearly $3500!!!!
Terrible claim service!
I have provided all documents requested and they are drawing out my claim for no reason. I was told it would be within 10 days, 6 weeks later still no answer after many phone calls. I am sick and unfortunately had to cancel my trip. I provided a doctor’s letter confirming that my symptoms started well after I took out the insurance and also that I am too unwell to travel. I also provided cancellation documents and receipts but apparently that’s not enough! They are now wanting to investigate my health history for the past 5 years! It’s stressfu...l enough that I had to cancel my holiday let alone be stressed about not getting my money back! I’ve had terrible service and would never go through this company again. I’m very disappointed that somehow they have a good rating with choice and Canstar. It’s probably because they are cheap and say that they cover lots of things but in reality when you actually need to claim, they make it very hard! Why bother even having insurance!
Easy to see what you get good value and reputable company used many times all over the world there is far too much info required here its all just so much b****
Policy value was okay, not able to be set up online due to existing conditions but staff member who helped was excellent.
I had to lodge a claim when I returned home and it was completely resolved in a month.
First time using InsureandGo and would not hesitate in using them again.
Easy to purchase and to make a claim
These were one of the few insurers I found that would insure us as a group rather than insisting on different policies for different families. Purchase process was quite straight forward.
A few weeks before travelling one person in our group required urgent surgery and was not able to fly while recovering. On return from our holiday we claimed for costs we couldn't get refunded from the vendors. There was a little bit of back and forward requesting further medical information, but nothing too onerous. Once they had all the information our claim was paid in about 10 days.
I'd certainly look at InsureAndGo for group or family travel again.
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|Category||Travel Insurance||Travel Insurance||Travel Insurance|
|Contact Number||1300 401 177||1300 401 177||1300 401 177|
|24-Hour Phone Contact||Yes||Yes||Yes|
|Online Live Chat||Yes||Yes||Yes|
|Underwriter||Mitsui Sumitomo||Mitsui Sumitomo||Mitsui Sumitomo|
|Maximum Age Covered||100 years old||64 years old||100 years old|
|Overseas Emergency Assistance||Unlimited||Unlimited||Unlimited|
|Accidental Death||$37,500||Not Included||$37,500|
|Pregnancy (max weeks)||32 weeks||32 weeks||32 weeks|
|Resumption of Journey||Not Included||Not Included||Not Included|
|Hospital Cash Allowance||Up to $75 per completed 24 hours up to $2,500||Up to $50 per completed 24 hours up to $500||Up to $75 per completed 24 hours up to $2,500|
|Overseas Emergency Medical & Hospital Expenses||Unlimited||Unlimited||Unlimited|
|Loss of Income||$5,200 (maximum $866.66 per month)||Not Included||$5,200 (maximum $866.66 per month)|
|Permanent Disability||$37,500||Not Included||$37,500|
|Luggage & Personal Effects|
|Theft of Cash||$250||$200||$250|
|Delayed Luggage||$500 after 24 hours||$100 after 24 hours||$500 after 24 hours|
|Credit Card Fraud||Not Included||Not Included||Not Included|
|Travel Documents / Passport||$2,500||$1,000||$2,500|
|Maximum Single Item Limit||$2,000 (electronic devices), $500 (single article/set of items)||$1,000 (electronic devices), $500 (single article/set of items), additional optional extra for electronic devices up to a total of $2,000||$2,000 (electronic devices), $500 (single article/set of items)|
|Luggage & Personal Effects||$6,000||$3,000||$6,000|
|Rental Vehicle Excess||$4,000||Not Included||$4,000|
|Motorbike / Moped Coverage||Not Included||Not Included||Not Included|
|Domestic Pet Care||Not Included||Not Included||Not Included|
|Special Activities Packages|
|Golf||Optional Extra||Not Included||Optional Extra|
|Cruise||Not Included||Not Included||Included|
|Snow / Ski||Optional Extra||Optional Extra||Optional Extra|
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