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

InsureandGo Australia International Travel Insurance - Gold (Annual Multi-Trip) (page 4 of 7)

3.7 from 121 reviews

Reviews

3.7

121 reviews
5
(58)
4
(28)
3
(3)
2
(3)
1
(29)
  • Value for Money
    3.5 (59)
  • Transparency
    3.4 (54)
  • Customer Service
    3.3 (54)
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So far so good

published

The policy seems like very good value and easy to purchase through their website. This is the first time I have used this insurance company and haven’t yet departed on this trip.

Peter G

Peter GSydney, NSW

A policy I'll be recommending to friends

published

I liked this travel insurance policy because the PDS was comprehensive but easy to follow; the increases for pre-existing conditions were reasonable; & it was good value compared with other policies.

1 comment
InsureandGo Australia
Anna J.InsureandGo Australia

Disappointing for its lack of flexibility

published

The policy was very expensive because it was either all in or all out for preexisting conditions and did not provide flexibility in being able to select which preexisting conditions one can choose to include in the insurance cover and which one can choose not to include in the insurance cover. This raised the cost of the insurance very greatly

7 comments
InsureandGo Australia
Anna J.InsureandGo Australia
Reluctant User
Reluctant User
InsureandGo Australia
Anna J.InsureandGo Australia
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Intrepid traveller

Intrepid travellerSouth East Queensland, QLD

Waiting to see how things go with my claim

published

Policy was easy to set up and good price. I have used Insure and Go only once. I have had to lodge a claim recently and I am still waiting to see how that goes. If it goes as well as the rest of the process, this will be a really good company to deal with.

Mark

MarkMurray Region, NSW

Clear and easy to comprehend

published

I found the site easy to navigate, clear and it was easy to understand the cover. I also found the PDS sensible and not hard to find specific information that I needed.
I have used this company years ago when living in the UK and then found them fantastic. Their Choice awards helped.

CJ

CJSydney, NSW

  • 5 reviews

Be careful with your laptop in luggage

published

I am so pleased I took a policy out - my company couldn't clarify what our insurance did and didn't cover so I bought my own. The only small issue I had is when taking it I asked if it covers technology and they said yes however it only covers laptops if they are with you not in luggage, fair enough, only wish they had told me that at the point of taking the policy.

Chris B

Chris BPerth, WA

Thank you

published

Easy to use and price competitive.
Website was well laid out and simple to navigate.
Hopefully if the need to make a claim is required it will be just as simple to navigate

Mike J

Mike JRichmond-Tweed, NSW

Easy to apply. Fortunately I haven't had cause to put a claim in yet

published

So far it feels good value. We have not had to use the claim line yet. This is the third year we've used this company. Easy to apply for a policy on line.

kym

kymQueensland

  • 2 reviews
  • 1 like

Easy effective Travel Cover

published

This is my second time using InsuranceGo Australia , I Hope that i will be covered in case of a Natural Disaster that i purchased as an extra with the travel insurance

My current Medical problem was disclosed and a premium was payed to gain the cover which gives me peace of mind

I am a great believer that you pay for what you get , so Yes this Policy is good value considering all the benefits and levels of cover

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all a go with InsuranceGo

published

Good value and easy to setup. We have not had the need to make any claim ( Good).

Four times when we travelled oversea and as stated above we have not had to make a claim as we have been fortunate.

Best cover, best price !

published

Both on-line and phone assistance were clear and helpful. Cover was clearly displayed. Cost was the best in the market place for my individual travel needs and pre-existing medical condition.

RobRos

RobRosNew South Wales

  • 4 reviews

Well laid out. Good competitive pricing.

published

Well laid out. Clearly indicates the variables involved in insurance, especially health. Feedback from databank speedy and clear. Confirmation of details and payment prompt. Suggest that at some stage soon indicate on the website the percentage of claims met, the average time taken, which will be indicators of reliability. Good competitive pricing.

Pauly G

Pauly GSouth East Queensland, QLD

Denied Claim Without Proper Medical Explanation

published

I was denied a claim even with reasonable explanation of a medical condition that was not the cause of the actual incident.

Insurance claim madeYes
1 comment
InsureandGo Australia
Anna J.InsureandGo Australia

Review collected in partnership with InsureandGo Australia

Policy with clear language and good cover

published

This is our first time with InsurandGo but they are willing to offer insurance to over 65 year old's with reasonable premiums. The plain wording of the policy, means you can understand what is covered. Appreciate realistic cover for rental car excess.

Insurance claim madeNo
2 comments
InsureandGo Australia
Anna J.InsureandGo Australia
John Roberson
John Roberson

Hi yes i meant to give 4 stars

Review collected in partnership with InsureandGo Australia

Peter Hui

Peter HuiMelbourne

Lucky I have insured!

published

My iPhone was water damaged in heavy downpour. Despite having an umbrella, it still got wet inside my pocket. InsureandGo replaced it with no hassles!

Insurance claim madeYes

Review collected in partnership with InsureandGo Australia

Travel Insurance

Find out how InsureandGo Australia International Travel Insurance - Gold (Annual Multi-Trip) compares to other Travel Insurance

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Brian Williamson

Brian WilliamsonSouth East Queensland, QLD

  • 9 reviews

Easy to arrange at an affordable price.

published

This is the second time we have used Insureandgo in our holiday. Comprehensive policy at an affordable price. Easy to set up the policy and enter existing conditions. Received an email before we left wishing us a happy holiday and when we returned they sent us an email advising us what to do if we had a claim. Will definitely use them again on our next holiday.

Insurance claim madeNo
Ruth Breen

Ruth BreenMelbourne

Staff failed to provide correct advice twice

published
Insurance claim madeYes
3 comments
InsureandGo Australia
Anna J.InsureandGo Australia
Ruth Breen
Ruth Breen
InsureandGo Australia
Anna J.InsureandGo Australia
Jenny.M.

Jenny.M.Melbourne

  • 3 reviews

England Trip

published

I have used Insure and Go twice now and both times very easy to understand the benefits and easy to select coverage required.

Insurance claim madeNo

Review collected in partnership with InsureandGo Australia

Colin Short

Colin ShortMoama, NSW

Easy as Pie

published

First time user. Great phone support for “difficult” questions. Online chat was extremely helpful. Hopefully I will not find out about claiming

Insurance claim madeNo

Review collected in partnership with InsureandGo Australia

Bec

BecGreater Melbourne (Outer), VIC

  • 18 reviews

Really helpful, I planned to buy this every year now

published

My trip was cancelled last minute because i was deemed not fit to travel by my doctor with pregnancy complications. InsureandGo asked for documentation needed and my plane ticket was subsequently refunded to me minus the excess fees. I highly recommend them!

Insurance claim madeYes
Page 4 of 7
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Questions & Answers

Peter E.

Peter E.asked

International Travel Insurance - Gold (Annual Multi-Trip)

I purchased a medical cover on the 30 January 2020 to cover me for my trip to USA. The details of the cover have a start date of 06 June 2020 and an end date of 18 June 2020.
As I cannot travel because of government restrictions relating to COVID 19 I have had to cancel my trip. Tickets were provided at no cost so I did not seek travel insurance for them but as I am cancelling the trip prior to departure I am seeking a refund of my medical insurance. Advice I received is that if you haven’t yet started your trip, you may be covered for the Cancellation Costs under our policies sold before 4pm on 31 January 2020 (AEDT). However one of your sales reps advised that I failed to meet the 14 day cooling off period and so not eligible. I find this strange as there is a specific start and end date for the cover and as I cannot travel because of government restrictions after an epidemic then I should be able to get my full payment back.

7 answers
InsureandGo Australia
Anna J.InsureandGo Australia

Hi Peter, I think there has been some confusion here. If you want to cancel your policy and get a full refund of the premium you paid, this will not be possible outside of the 14 day cooling off period. As a gesture of goodwill, we have recently began to offer partial credits on policies. Please let me know if you want more information on this. However, if you want to make a claim on your policy for costs associated with cancelling your trip before departure, (which, from your comments, it doesn't sound like you want to) it sounds like you are eligible, presuming the policy you purchased features this type of cover. Does this clarify things? Thanks, Anna

Peter E.
Peter E.

Hello Anna J.
This is a contract for the cover of medical expenses that might occur between 06/06/2020 and 18/06/2020 (dates are still in the future). How are you able to enforce the contract when certain circumstances beyond their control arise, making performance inadvisable, commercially impracticable, illegal, or impossible. (Would not force majeure conditions apply? The 14 day cooling off period would not apply in this case as an unforeseen subsequent event outside the control of the parties has made the contract impossible to perform, or has transformed performance of the obligations under the contract into something so radically different from that which the parties intended that it would be unfair to hold the parties to their obligations. This was a one off contract for that period only and was not covered by any travel insurance.
There are still 12 days to go before the policy would even come into effect so your 14 day cooling off period regarding when the payment was made is irrelevent to this contract. Again as I cannot travel because of government restrictions after an epidemic then I should be able to get my full payment back.

InsureandGo Australia
Anna J.InsureandGo Australia

Hi Peter, I understand your position, but unfortunately, we cannot offer full refunds on policies, I'm sorry. From the moment your policy was purchased, it provided cover, and therefore was being used up before the travel dates on your policy. An example of this is the cancellation before departure cover, whereby if you had needed to cancel your trip due to unforeseen injury or illness, you would have been eligible to claim the costs associated with cancellation. This is part of the reason we are unable to provide refunds or 100% credits. If you would be at all open to it, I would like to follow up via private message with some more information about our credits system. Thanks, Anna

david paton

david patonasked

International Travel Insurance - Gold (Annual Multi-Trip)

what does AMT 60 days mean? I can only travel 60 days? can only stay in one country 60 days? Malaysia has 90 day visa , Georgia up to 1 year visa

1 answer
InsureandGo Australia
Anna J.InsureandGo Australia

Hi David, good question.

Our annual multi trip policies provide cover for multiple trips taken within a 12 month period, but the maximum length of each individual trip is 60 days on the Gold AMT 60 days policy you mentioned. This means, visa permitting, you can stay in Malaysia for up to 60 days, then travel to Georgia for up to 60 days, and travel to other countries within the 12 month period for which you buy the policy, but each individual trip cannot exceed 60 days. I hope this clarifies things.

Thanks, Anna

Mary-Anne L.

Mary-Anne L.asked

International Travel Insurance - Gold (Annual Multi-Trip)

Does this annual Multi -trip automatically cover cruises

2 answers
soups
soups

check with the company

InsureandGo Australia
Anna J.InsureandGo Australia

Hi Mary-Anne, thanks for reaching out.

We offer a cruise specific policy that has coverage more specific to cruise needs (missed port, cabin confinement and more). You can learn more at: https://www.insureandgo.com.au/travel-insurance/cruise-travel-insurance.jsp

Our annual multi trip policy, however, doesn't provide cover for commercial cruises. We define a commercial cruise as: any travel on sea, ocean or river by any commercially operated ship, boat or other sea vessel with scheduled journey time longer than 2 hours.

I hope this helps.

Thanks, Anna

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