InsureandGo Australia International Travel Insurance - Gold (Annual Multi-Trip)

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.

Hi, I recently purchased a single trip ticket insurance package and had to call your customer service team because of an issue with the portal. I was so lucky to speak to a lovely lady that assisted me with my purchase. On completing my purchase I happened to mention that I had two trips planned for 2026 both overseas and I had paid deposits. She… Read more ·  1

very kindly asked me if I would like her to quote for both which I did. Long story short I purchased a multi insurance policy from April 26/27. I was thrilled with the outcome. I’d previously purchased several Tick travel insurance policies and have been very satisfied with the cover but I’d always completed the process on line. I think being able to speak to this lovely lady, (1) the process felt very personal which I appreciated especially completing the health questionnaire. And, (2) we saved money by preceding with a multi trip package. Which I would have never considered if I’d have purchased online myself. So a big congratulations to this staff member. Regards from a very happy Tick Insurance & InsureandGo customer .

Scamandgo – I have used Insureandgo a few times but never had to claim from them in the past. I used Insureandgo for a fourth time recently and they failed miserably. An airline cancelled my flight on one of the legs during my holiday and I had to seek alternative travel to get to my destination that same day. Unfortunately, the cost of the flight was… Read more

overly inflated but I had to take that flight.

I tried to claim a refund with the airline who cancelled the flight, but it was made impossible to contact them. I then tried to contact the website, whom I booked the flight, but their service was completely non existent and I am still waiting for a response.

I finally tried to request a claim with Insureandgo for the refund, but they couldn't be any quicker declining my request without a suitable reason. They claimed that the airline still offered a replacement flight to the destination even when it was two days afterward. The flight was a connecting flight to another location for two days, which would mean I would still have to pay for accommodation for that location, and they wouldn't even cover that cost if I had.

This company are a bunch of Scammers! Whatever you do, please do not use them.

Easy to deal with. Good value for money. We chose InsureAndGo because we could get a good rate, we liked the breadth of their coverage and I was able to sort out a couple of issues I had with the customer rep very easily. Also we have used them in the past and even had to go through the claims process at one stage. Show details

We went with Insure and Go due to the service we received from Fletcher. He was outstanding with his customer service, and nothing was too much for him to explain things, sometimes more than once to us. He was very knowledgeable and he provided us with the information and policy we needed for our upcoming trips. Thank you Fletcher. Show details

Have used I&G several years and recently decided on the annual international coverage at Gold level which is super convenient and I don't have to think about insurance each time I travel and it gives me flexibility on how many OS trips and when I return. Show details

I cannot rate my experience yet as I have only just purchased the policy but I have chosen you for your excellent service provided to my daughter when she became unwell on a holiday to the USA- I am 64 have travelled all my life and never needed to use my insurance but I feel reassured that if I need to with your company it will be OK because of her experience Show details ·  1

Amazing customer service provided by Insure&Go team member who was able to guide me in the right direction to suit my travel needs. Policy coverage was exceptional and met and exceeded all my requirements. Highly recommended Show details ·  1

Easy, quick and affordable – I choose InsuranceGo Australia as very effective to obtain via online and I used this company last year going to Vietnam - I am also a senior and received the discount which helps immensely thank you so kindly Show details ·  1

Peace of mind when travelling – Easy to set up on the website. We had a need to claim on our policy and found that the process was clearly described and our claim was very quickly processed. Thank you. We have now taken out another policy for our overseas Christmas holiday after such a good experience. Show details ·  1

Happy knowing I have top insurance – I have used insure and go on my last 6, over seas trips, for the past 7 years, and just find it so easy to buy. I've never needed to make a claim, but I feel good knowing that I have insurance. I always buy the top cover, (gold), and I think it's great value. I don't bother shopping around any more. Show details ·  1

Necessary component of travel – I found that the policy for me was very easy to fill the form and good value. I have not used this company before. I have not made a claim as I have yet to go on my trip overseas. Show details ·  1

Insurance cover that was tailored made – Insurance and Go was very helpful with my travel insurance. The insurance cover which is their Gold (Annual Trip) was not the best for my needs but the cost of cover was excellent. My wife and I did not need to provide any medical certificates for our cover. I would high recommend Insurance and Go for travel insurance Show details

We go to Bali every year and always shop around but come back to InsureandGo – We have used InsureandGo for the past 6 years and would not go anywhere else. When we had a claim it was handled immediately can thoroughly recommend them. Show details

International travel with Covid cover – Easy to understand all insurance options, good value, have used this insurance company previously, good to see you offer seniors package. Show details

Covers everything I require – I always insure with Insure and Go when travelling overseas. Their website is easy to use, they cover everything I am looking for( particularly Covid cover and Natural Disasters. I also find there prices are reasonable. Show details ·  1

Dont be fooled, THERE CHEAP AND NASTY – Will take your money, and do not give a damn, in their customer service. I was screwed by this company. Look carefully how they handled covid. Check reviews 2 years ago. You will see what thieves they are. MINUS 5star.Absolutely, this company is a fraud. Its now the end of 2024, this company, offers cheap travel insurance. All the positive comments, are people that actually havent made a claim. Go elsewhere, DO NOT USE THIS TRAVEL INSURER. Show details

Best of luck making a claim – We were traveling from Dulles to Jacksonville in mid April '22. Back pack consigned by United Airlines to checked went missing. After a great deal of effort to find this item from the airline, gave up. Filed a claim with the airline...no success. Filed a claim against our GOLD policy with Insure and Go, less success. AFCA hopefully will get our… Read more

claim granted for lost proerty, Insure and Go certainly won't honour their commitments. They are a scam !!!

Good Travel Insurance – First time we have used InsureandGo and was easy to purchase the policy on line. My wife travelled to Canada and caught Covid and had to self isolate for 10 days. We lodged a claim as the accommodation for self isolation was covered. The claim took 20days to be approved due to an overwhelming amount of claims (which we received an e-mail… Read more ·  1

explaining the situation). We are travelling to Canada for Xmas and have already purchased our travel insurance through InsureandGo.

qantas change my flight need update with insure to go have not been able to phone big issue firs – first time using insure to go no have to update travel dates due to qantas changing my booking have been unable to contact by phone so now have some concerns about agency Show details ·  1

Easy to use – I found the policy very easy to use, very economical to others out there. We do not go until November so can not answer the other questions. Will definitely use again. Show details

All good so far – The policy is excellent value for money, and is clear and easy to understand. It was very easy to purchase online. It also covers Covid-19. We have not yet travelled and have not had to change any travel plans so far. Show details

Takes away worry of something going wrong, assurance of knowing help is provided – The policy is better value than offered by travel agent. Never had to claim. Have pre-existing health problems, easy to identify and purchase on line. Some cover for COVID is assuring. Used at least 5 times could be more. Show details

Hawaii – yes good value and easy to do online I have had several policies with and never made a claim I have used you several times over the years for trips to US and Fiji Show details

A Must Have !!! – Have used Insure and go for all trips for the last 10 years. To obtain a quote and purchase is simple and easy online, best value for money. Took a policy for daughter and partner when they travelled my daughter was injured whilst away I contacted Insure & Go they took my daughters contact and managed everything including including medical required when she returned home. Couldn’t recommend more highly. Show details

Very Patient – Unfortunately I needed to make a claim which was a bit complex. They were very patient and tolerant as it was a very lengthy process for me to obtain all the required documentation for my claim. The claim was eventually finalised with no problems - they did not hassle me or give me a hard time due to the delays. Sadly they are not offering… Read more

annual multi trip insurance this year, but if they were, I would buy from them again. It is very easy to purchase the policy and pay online.

Because of age, this insurance is what we require – Yes this policy was vey good value and was easy to set up via online. This is our first time using this insurance company but we will use it again when travelling and would recommend it to our friends. Show details