InsureandGo Australia International Travel Insurance - Bare Essentials (Single Trip)

Having booked my international flights, the next "must do", was of course, Travel Insurance. Now I'm an avid traveller, regularly purchasing yearly multitrip policies until Covid disrupted everything. Yearly multitrip policies were no longer offered, until recently, and still can be value if holidaying more than 12 weeks, over a number of… Read more ·  1

trips.....but for this trip, I was travelling to China only for 4 weeks or so. Comparison sites quoted $270 up to $420 for a "Bare Essentials" policy...I was about to pull the trigger until a Promo appear on my FB feed.......Insureand Go with a 13% discount.....Same coverage as the others, and saving me $80 for a couple (of Seniors)..... I'm not worried about delayed/lost luggage, nor cancellations nor any of the other stuff. .... I now travel with well established Airlines where I've never experienced any issues before. (Unlike some....Malaysian Airlines, Philippine Air, Latam, Viet, China Eastern to name a few.....). Insureand Go was easy to navigate, and offered all the regular options, like snow sports, cruising, etc. The Bare Essentials covers me and my wife for medical and repatriation and of course indemnity....that's all I need....Over the decades I've bought full comprehensive, and never claimed a cent....I wasted enough on extra insurance to go on multiple overseas holidays......If I lose a phone.....I'll buy a new one. If I break my camera, I'll buy a newer one.....Should my luggage disappear, I buy some t shirts and shorts...basically I don't need those extras.....I'm only interested in real emergency coverage, and the Bare Essentials with a 13% discount is a sure winner. Thank you, Insure and GO!

Avoid Insure and Go at all costs! – I got the basic cover for a trip to Europe - with the understanding (based on their product disclosure statement) that this would be suitable in the event of any major medical issues, loss or theft of personal items, or baggage issues. Unfortunately, a few personal items (including my phone) were stolen from a locker, and so I lodged my claim with… Read more

Insure and Go the moment I returned from my trip, making sure to upload all the necessary documents.

I was initially told that it could take up to 10 days to receive notice of an outcome. After 10 days passed, I received another email that said that it could be up to another 10 days before receiving an outcome. I waited the full 20 business days, plus another few days, before reaching out to follow up. This was about 3 months ago. Since then, I've reached out via both phone and email around 15 times. Emailing was mostly useless, and talking on the phone got me nowhere. I was told that the first person allocated to work on my claim no longer works at Insure and Go. A few months went by, and my second claims officer also no longer works at the company. I'm now on my third claims officer.

After spending many hours calling and emailing over the last few months, I finally received word from my latest claims officer. I was told that the outcome of my claim is still not determined and is still being processed. To add insult to injury, I was also notified that I’m not entitled to claim for my mobile phone under the banner of 'personal belongings'. This would mean that the vast majority of my claim will not be paid out, and that the last 4 months of waiting and calling and emailing have been for effectively nothing.

I've looked at the product disclosure statement (PDS) as my claims officer has pointed me to (and as I had done prior to purchasing the insurance) to find only one reference to mobile phones. It's mentioned in relation to being a personal belonging - for which I am supposedly covered. Insure and Go seem adamant that I'm not entitled to claim, which feels pretty humiliating after being strung along the claims process for the last 4 months. If mobile phones aren't covered, then this should be said explicitly in the terms.

This insurance company robbed me of both my time and money.

TLDR; DO NOT purchase insurance with Insure and Go. Took over 4 months to get a reasonable update on my claim, only to be declined anyway!

Bespoke Service – I took out a new international policy on the weekend and then found that I had to change the start date of the policy. I spoke to Tom at your service center, and he talked me through the change, cancelling the original policy, taking out a new policy and taking payment over the 'phone on my credit card. After a recent horrific experience with… Read more ·  1

Qantas call centers -- an hour wait where the center failed to call back as promised... An hour wait that terminated in a telephone survey, yet another hour call that failed to action before an operator in South Africa finally got it right four days later.... I can only provide feedback on a very positive experience and a big thankyou to Tom for talking me through the process and also the new electronic process for credit card payment where I typed in the card details remotely. Smooth as....

The policy cost slightly less than the original which was a bonus and included your promotional 15% discount. Well done guys... Thank you.

I have used insure and go before. Both times it had met my needs at a very good price. Luckily I did not need to make a claim on first time and hope won't need to make a claim on my next holiday. Very easy to buy online. Show details

I havent had to lodge a claim yet but have used the company a couple of times and find their rates to seem fair and for a good price. i would continue to use them for sure. Show details

This is the second time I have used "Insure and Go" and for a single older bloke like me this basic policy is sufficient for my needs and easy to use. Too many policies with other organisations add things I will never need and yet we have to pay for them. I like the simplicity of Insure and Go. Show details

Do not use this company! I had a legitimate claim regarding a trip that was cut short and they did not honour the agreement citing a fine print technicality to avoid paying. Disgusting. Show details

Needing to change the dates of travel insurance for a pending trip, I logged in and was advised I was required to contact by phone. Telephoned 45 minutes ago and am still on hold-despite being advised expected wait time was 15 minutes. No callback option, no other options just wait …. waiting….. waiting. Am not filled with confidence with this company- endless loops - now 48 mins no answer! Show details

Look elsewhere – Better options are out there and I will not use these guys again. Paid out $26.00 on a $260.00 claim and started the email with “great news !”. No thanks never again. Show details

On-line policy application was simple, logical and easy to follow One of the few insurers who will cover over 80's This is our first time with this Company, but so far service has been excellent and the price was very competitive. John Hannan, Williamtown NSW Show details

I recently used Insure and Go travel insurance and was very happy with the service. The whole process was quick, simple, and easy to use. Setting up the policy was straightforward, and everything was clearly explained. It gave me peace of mind while travelling, and I would definitely recommend them to anyone looking for reliable travel insurance. Show details

Amazing response and customer service. I went on a trip to Phuket and had an unfortunate accident where I ruptured my Achilles tendon. They were super easy to deal with and the process was extremely fast and efficient. My claim was approved in full. Show details

My wife have used insureandgo for a number of years. I still check every trip to see which is the best insurance option. Insureandgo wins hands down every time. Luckily I have never had the need to make a claim, I am sure that their customer service would help with any issue we may have. Show details

Have used the online portal to book travel insurance several times. It is quick and easy to understand. Premiums are competitive with a reputable insurance company (Mitsui). Show details

I had to book a same day trip overseas for a medical repatriation for a family member. InsureandGo was simple and easy to book online enroute to the airport. Always well priced with great coverage. Show details

Really easy to use website and clearly laid out options with prices instantly adjusting on the same page when adding more cover or adjusting excess rather than waiting till the end. Straight forward process when inputting any required pre-existig medical conditions. Show details

I found Insure and Go very easy to use and exactly what I needed for my holiday. The price was also very competitive. I have used Insure and Go previously and I was very happy with them Show details

Been my insurance provider as a Senior. Just happy with the pricing although I haven't have to claim which is very good but the peace of mind of being insured with a reputable insurance company is priceless. Show details

I have used InsureandGo several times now - Basic, Silver and Cruise. I like their Pre-existing online assessment which is easy to use I go straight to InsureandGo as I know they provide what I need and are value for money. When asked I always recommend them. Show details

First time using this company. Customer Service person was so helpful. Policy was great value. It was easy to set up with help but the medical info section was a bit confusing online. Show details

Great! I’m extremely happy with this insurance. It was easy to purchase and covers everything I need for my trip. It’s also easy to navigate documents and make claims Show details

The online quote for the product we selected, including snow sports cover, was well below several quotes from other popular Insurers that we have used before, with apparently similar cover. Time will tell if we made the correct choice- we are not travelling for a couple of months yet. I'll hold my rating at 4-star for now. Show details

We have used InsureandGo on many occasion for our international travel and we find them to be highly competively priced with excellent cover across each level. The process to take out cover online is very simple and the descriptions of coverage are easy to understand and to match our needs for each trip. We carefully compare coverage across… Read more

many insurers and find InsureandGo is most often the best value available and recognising the importance of travel insurance we would highly recommend InsureandGo!

I had travel insurance through using my credit card to purchase my airline tickets, but it doesn't include cover for pre-existing medical conditions. Ideally I wanted a policy that only covered those conditions to supplement the credit card cover, but could not find any such policy. InsureandGo's Bare Essentials was the best fit for my needs as… Read more

it didn't charge an enormous premium for cover that I already had, but did allow medical screening and the addition of cover for the pre-existing conditions.