Based on looking at the website, InsureandGo.com.au appears to be a reputable and award-winning online travel insurance provider in Australia, offering a range of policies tailored to different travel needs.
Their site highlights a commitment to comprehensive coverage, competitive pricing, and a robust 24/7 global emergency assistance network, backed by their full ownership by Europ Assistance.
They clearly articulate their product offerings—Bare Essentials, Silver, and Gold—allowing customers to compare and select the most suitable option, emphasizing transparency and customer choice.
The website provides ample information on the importance of travel insurance, detailing what their policies generally cover, such as overseas emergency medical assistance, lost luggage, travel delays, and trip cancellations.
Furthermore, they address key considerations for purchasing a policy, including declaring pre-existing medical conditions, understanding excesses, and the crucial role of the Product Disclosure Statement PDS. This level of detail suggests a focus on educating consumers and ensuring they make informed decisions before committing to a policy.
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Understanding InsureandGo.com.au’s Core Offerings
InsureandGo.com.au positions itself as a specialist in online travel insurance for the Australian market.
They are under the umbrella of Europ Assistance, a global entity, which lends significant credibility to their emergency support capabilities.
The core of their offering revolves around three distinct levels of cover: Bare Essentials, Silver, and Gold, designed to cater to a spectrum of traveler needs and budgets.
Policy Levels and What They Entail
InsureandGo simplifies the selection process by categorizing their policies into three clear tiers.
This tiered approach is a smart move, recognizing that a backpacker’s needs differ significantly from a family on a luxury cruise. Amzdudes.com Reviews
- Bare Essentials: This is their most basic offering. It covers the absolute essentials like overseas medical expenses, personal liability, emergency expenses, and basic baggage cover. Think of it as your safety net for critical, unexpected events. It’s suitable for those on a tighter budget who still want fundamental protection.
- Silver: Stepping up from Bare Essentials, the Silver policy adds crucial coverage like trip cancellation, travel delay expenses, and potentially more robust baggage limits. This tier is designed for travelers who want a bit more peace of mind regarding unforeseen disruptions that could impact their prepaid travel costs.
- Gold: This is their premium offering, encompassing everything in the Bare Essentials and Silver policies, but with higher coverage limits. Additionally, Gold policies often include perks like cover for special events, hijacking, pet care, and journey resumption. For frequent travelers or those undertaking significant trips, the Gold policy offers the most comprehensive protection.
Types of Trip Coverage Available
Beyond the tiered policy levels, InsureandGo.com.au segments its offerings based on trip type, ensuring that the insurance aligns with the nature of your travel.
- One-Trip Travel Insurance: Ideal for single journeys, whether you’re a solo adventurer, a couple, or a family. This policy covers a specific trip duration, making it straightforward for those who don’t travel frequently.
- Annual Multi-Trip Travel Insurance: For the frequent flyers and globetrotters, this policy provides cover for unlimited international trips over a 12-month period. This can be a significant cost-saver and convenience booster if you undertake multiple international excursions within a year, often including unlimited overseas medical expenses and cancellation cover.
- Cruise Travel Insurance: Cruising comes with its own unique set of risks and needs, from onboard medical emergencies to missed departures. InsureandGo offers policies specifically tailored for cruises, available across their Bare Essentials, Silver, and Gold levels, addressing these specific concerns.
- Domestic Travel Insurance: It’s a common misconception that you don’t need insurance for domestic travel. While Medicare handles medical emergencies within Australia, domestic travel insurance is crucial for covering trip cancellations, lost luggage, rental vehicle excess, and disruptions due to natural disasters.
Key Benefits and Features Highlighted
InsureandGo.com.au does a decent job of showcasing the tangible benefits of their policies, moving beyond just listing features to explaining how they protect the traveler.
They emphasize their global reach and commitment to supporting customers when things go south.
24-hour Global Emergency Assistance Network
This is a cornerstone of any reliable travel insurance provider, and InsureandGo.com.au leverages its ownership by Europ Assistance to bolster this claim. Europ Assistance boasts a presence in over 200 countries and a network of more than 750,000 assistance providers, having helped 1.2 million travelers worldwide in 2019 alone. This expansive network is critical for travelers facing emergencies overseas, ensuring access to medical care, emergency evacuations, and other crucial support services regardless of location. The peace of mind this provides is arguably one of the most valuable aspects of their offering.
Comprehensive Pre-existing Medical Condition Consideration
Unlike some insurers who outright exclude pre-existing conditions, InsureandGo.com.au takes a more nuanced approach. They state that all pre-existing conditions are considered through a medical questionnaire during the purchase process. This is a significant advantage for many travelers, particularly older Australians or those with ongoing health issues. While approval isn’t guaranteed and may involve additional costs, the fact that they are willing to assess and potentially cover these conditions makes their policies more accessible. Bosslaser.com Reviews
COVID-19 Coverage
Flexibility and Accessibility for Seniors
Recognizing the significant demographic of Australian seniors who love to travel, InsureandGo.com.au offers coverage for travelers up to 100 years of age on their One-Trip Bare Essentials and Gold policies. For Cruise and Annual Multi-Trip policies, cover extends up to 79 years of age. This broad age limit is a distinct competitive advantage, as many insurers impose much stricter age cut-offs, making travel insurance a challenge for older travelers. They even received the WeMoney 2024 Award for “Best for Seniors Travel Insurance”, reinforcing their commitment to this market segment.
Pregnancy Cover
For expectant mothers, travel insurance can be a tricky area. InsureandGo.com.au offers pregnancy cover for up to 30 weeks for single pregnancies, covering complications up to and including the 30th week. While there are clear limitations e.g., no cover for claims resulting from pregnancy or childbirth after the 30th week, and no cover for children born overseas, their transparent approach and explicit inclusion of this coverage is a positive. It’s crucial to read the PDS for the precise details, especially if you are expecting twins or more, as the coverage period may differ e.g., up to 24 weeks for multiple babies.
Navigating the Purchase and Claims Process
A smooth user experience, from getting a quote to filing a claim, is paramount for online services.
InsureandGo.com.au seems to prioritize a streamlined digital process, although the true test is always in execution.
Quick and Easy Online Claims Process
The website touts a “new online claims platform” designed to make lodging a claim easier. They also offer chat and email support throughout the claims journey. In an age where digital efficiency is key, a user-friendly claims portal can significantly reduce stress during an already challenging time. The promise of an “endeavor to give you a response within 10 business days” provides a reasonable expectation for resolution times. Recharge.com Reviews
Understanding Excess Options
InsureandGo.com.au clearly explains the concept of excess deductible, which is the amount deducted from any claim payment. Their standard excess is $100, but they offer flexibility, allowing customers to remove or double this amount during the purchase process. This is a good feature as it empowers customers to tailor their premium. Opting for a higher excess can reduce the premium, while waiving it will increase the premium but ensure 100% of an approved claim payment. Understanding this trade-off is vital for managing costs and potential payouts.
The Importance of the Product Disclosure Statement PDS
Throughout the website, InsureandGo.com.au heavily emphasizes the importance of reading the Product Disclosure Statement PDS. This is a critical legal document that outlines the full terms, conditions, exclusions, sub-limits, and limits of the policy. Their repeated directive to “Read the PDS” and “consider the relevant PDS before making a decision” is a testament to their commitment to transparency and compliance. Any savvy traveler knows that the PDS is where the true details of coverage reside, and it’s essential reading to avoid unpleasant surprises.
Awards and Endorsements: A Mark of Trust
InsureandGo.com.au prominently displays its numerous awards and recommendations, which serve as external validation of their service and product quality.
This is a powerful trust signal for potential customers.
Recognition from Industry Leaders
They boast over 20 awards and recommendations from comparison services and consumer advocacy groups in the last 10 years. Specifically, they highlight: Occupationaltherapy.com Reviews
- Canstar Awards: Recognized in 2013, 2014, 2015, 2019, 2022, 2023, and 2024. Recent accolades include the Canstar Award for “Outstanding Value – International Travel Insurance” for the 2nd consecutive year and “Outstanding Value – Seniors Travel Insurance” for the 3rd consecutive year. These consistent awards from a respected financial comparison site like Canstar indicate consistent value and performance.
- Finder 2024 Award for “Trusted Brand – Travel Insurance”: This award speaks directly to consumer confidence and reliability, a crucial factor in the insurance industry.
- WeMoney 2024 Award for “Best for Seniors Travel Insurance”: This further reinforces their strength in catering to the senior travel market.
These awards suggest that InsureandGo.com.au is consistently evaluated highly by independent bodies, lending significant weight to their claims of offering comprehensive and valuable travel insurance.
What Travel Insurance Typically Covers with InsureandGo.com.au
While specific coverage varies by policy level Bare Essentials, Silver, Gold and the PDS is the final authority, InsureandGo.com.au outlines common benefits.
Overseas Emergency Medical Assistance
This is arguably the most critical component of international travel insurance. InsureandGo.com.au covers financial assistance if you’re injured or fall sick while traveling overseas. This includes:
- Emergency medical evacuations
- Surgical and hospital treatments
- Ambulance costs
- Medically necessary return to Australia
They also mention that all pre-existing medical conditions are considered, which, as discussed, is a significant advantage. This coverage is essential because the Australian Government or Medicare will not cover overseas medical expenses, which can quickly run into hundreds of thousands of dollars.
Loss or Theft of Luggage and Personal Belongings
It’s a common travel nightmare: your bags go missing or are stolen. InsureandGo.com.au states they will pay for the value of your property at the time it was lost, stolen, or damaged. Key conditions apply: Tendoloan.co.uk Reviews
- Items must be reported to the appropriate authority e.g., police, airline within 24 hours.
- You will need to provide proof of ownership.
This covers essential items like clothing, toiletries, and other personal effects that are part of your luggage.
Loss of Cash or Travel Documents
Losing a passport, visa, or cash can quickly derail a trip. InsureandGo.com.au’s policies can pay for the cost of replacing your cash or important documents if they are lost, stolen, or damaged. This includes:
- Passports
- Traveler’s cheques
- Visas
It’s important to note that you may not be covered if documents or cash were left unattended, emphasizing the need for personal responsibility in safeguarding valuables. Proof of ownership for lost money is also typically required.
Travel Delay Expenses
Flight delays and cancellations are an unfortunate reality of modern travel. InsureandGo.com.au’s cover for travel delay expenses means they will reimburse the cost of necessary additional meals and accommodation expenses if you are financially affected by a delay of more than 12 hours. Limits apply, and the reimbursement is up to the amount shown on your policy schedule. This can be a huge relief when you’re stranded unexpectedly.
Rental Vehicle Excess
For travelers who plan to hire a car, this is a valuable inclusion. If a rental car is damaged, stolen, or involved in an accident while in your custody, InsureandGo.com.au will reimburse the rental car insurance excess. This cover is typically available on Silver and Gold level policies, up to a specified amount. This can save you from a significant out-of-pocket expense, as rental car excesses can be substantial. Goaptive.com Reviews
Cancelling or Rescheduling Travel Plans
Life happens, and sometimes trips need to be cancelled or rescheduled. InsureandGo.com.au’s cancellation cover means you can be reimbursed for the cost of flights, accommodation, visas, and prepaid excursions/activities if you need to cancel due to covered reasons. These reasons often include injury, unforeseen illness, or other situations outlined in the PDS. They also cover the cost of rescheduling prior to departure if the cost doesn’t exceed the cancellation cost. Common covered reasons include:
- Employment redundancy
- Natural disaster
- Pregnancy-related situations within policy limits
- Injury, illness, serious damage to your Australian home, or death of someone in your travelling party or an Australian relative.
Important Considerations Before Purchasing
The website outlines several crucial steps potential customers should take to ensure they select the right policy and avoid issues.
Check Smartraveller Advice
InsureandGo.com.au explicitly advises travelers to “Check Smartraveller to make sure your destination is safe to visit.” This is paramount, as traveling against official government advice often voids insurance coverage. The Australian Government’s Smartraveller website provides up-to-date travel advisories and warnings for destinations worldwide.
Residency and Medicare Requirements
They emphasize that all people named on the policy must be residents of Australia. For those on working holiday, sponsorship, or student visas, it’s crucial to have valid Medicare cover or private health insurance for the length of the trip, as this impacts how medical claims are handled within Australia if a domestic policy is in force.
Purchase Policy Before Departure
A non-negotiable rule: “Make sure you buy your policy before you start your trip. If you buy it after you’ve left it will be invalid.” This is standard across the industry. Travel insurance is designed to cover unforeseen events, not pre-existing ones once the journey has begun. Goliathautotransport.com Reviews
Honesty About Pre-existing Medical Conditions
InsureandGo.com.au stresses the importance of being “open and honest about this because if you don’t declare all pre-existing medical conditions, they may not be covered.” As mentioned, they have a process for assessing and potentially covering these conditions, but non-disclosure can lead to claims being denied.
Customer Testimonials and External Reviews
While the website provides some customer testimonials, it also points to external review sites for unbiased feedback.
Product Review and Feefo
InsureandGo.com.au encourages potential customers to “check out external review sites like Product Review and Feefo for unbiased customer feedback.” This transparency is a positive sign, as it invites scrutiny beyond curated testimonials. Looking at a variety of independent review platforms can provide a more comprehensive picture of customer satisfaction regarding their claims process, customer service, and overall experience. Generally, a strong positive presence on these sites, despite the occasional negative review which is normal for any business, indicates a reliable service.
Conclusion
InsureandGo.com.au appears to be a robust and transparent option for Australian travelers seeking insurance.
Their clear tiered policies, explicit coverage details, commitment to pre-existing condition assessment, and strong emphasis on the PDS contribute to a sense of reliability. Bluenotary.us Reviews
The strong backing of Europ Assistance for global emergency services and their consistent industry awards further solidify their standing.
For those planning a trip, their platform offers a straightforward way to get a quote and explore coverage options, with the added benefit of flexible excess choices.
As always, the key is to dive into the Product Disclosure Statement to match the policy’s fine print with your specific travel needs and circumstances.
Frequently Asked Questions
What is InsureandGo.com.au?
InsureandGo.com.au is an Australian online travel insurance specialist, offering various travel insurance policies for domestic and international trips.
They are fully owned by Europ Assistance, a global assistance company. Bisecthosting.com Reviews
What types of travel insurance does InsureandGo.com.au offer?
InsureandGo.com.au offers One-Trip Travel Insurance, Annual Multi-Trip Travel Insurance, Cruise Travel Insurance, and Domestic Travel Insurance.
What are the different levels of cover available from InsureandGo.com.au?
InsureandGo.com.au offers three levels of cover: Bare Essentials basic, Silver mid-range, and Gold comprehensive.
Does InsureandGo.com.au cover pre-existing medical conditions?
Yes, InsureandGo.com.au considers all pre-existing medical conditions for cover through a medical questionnaire completed during the purchase process.
Is COVID-19 covered by InsureandGo.com.au policies?
Yes, COVID-19 coverage is available in their Silver and Gold policies.
Specific terms and conditions apply, which should be reviewed in the Product Disclosure Statement PDS. Justbeehoney.co.uk Reviews
How old can I be to get travel insurance with InsureandGo.com.au?
InsureandGo.com.au offers coverage for travelers up to 100 years of age on One-Trip Bare Essentials and Gold policies.
For Cruise and Annual Multi-Trip policies, cover extends up to 79 years of age.
What is the emergency assistance like with InsureandGo.com.au?
InsureandGo.com.au provides a 24-hour global emergency assistance network, leveraging Europ Assistance’s presence in over 200 countries and a network of over 750,000 assistance providers.
How do I make a claim with InsureandGo.com.au?
You can lodge a claim online via their new online claims platform or download a claims form from their website and post it with supporting documents. They aim to respond within 10 business days.
What does “excess” mean in InsureandGo.com.au’s policies?
The excess is the amount of money you agree to pay per person, per event, per applicable section, should you need to make a claim. Liberty.com.au Reviews
InsureandGo.com.au’s standard excess is $100, but you can choose to remove or double it.
Why is it important to read the Product Disclosure Statement PDS?
The PDS is a legal document containing all key benefits, features, terms, conditions, exclusions, sub-limits, and your rights and obligations related to your policy.
Reading it ensures you fully understand your cover.
Does InsureandGo.com.au offer cover for pregnancy?
Yes, they automatically cover unlimited medical, hospital, and surgical complications of pregnancy up to and including the 30th week for a single baby.
Specific conditions and exclusions apply, particularly after the 30th week or for multiple pregnancies. Aus.oltinternational.net Reviews
What is “cancellation cover” with InsureandGo.com.au?
Cancellation cover reimburses you for prepaid travel costs flights, accommodation, tours, etc. if your trip needs to be cancelled due to necessary and unavoidable reasons outlined in the PDS, such as injury, unforeseen illness, or natural disaster.
When should I buy travel insurance?
InsureandGo.com.au advises purchasing your policy as soon as you book your trip, especially if it includes cancellation cover.
This allows you to take advantage of cancellation benefits should you need to cancel for covered reasons before you depart.
Does InsureandGo.com.au cover children?
Yes, dependent children or grandchildren under 18 years of age who are financially dependent and named on the policy schedule can often travel for free when accompanying parents or grandparents. Children aged 18 or above are charged as adults.
What is covered under “Overseas Emergency Medical Assistance”?
This covers financial assistance for emergency medical evacuations, surgical and hospital treatments, ambulance costs, and medically necessary return to Australia if you fall sick or are injured overseas. Tickinsurance.com.au Reviews
Does InsureandGo.com.au cover lost or stolen luggage?
Yes, they cover the value of your property if it’s lost, stolen, or damaged, provided it’s reported to the appropriate authority e.g., police, airline within 24 hours and you can provide proof of ownership.
Are travel delays covered by InsureandGo.com.au?
Yes, if you are financially affected by a travel delay of more than 12 hours, they will reimburse necessary additional meals and accommodation expenses, up to the amount shown on your policy.
Does InsureandGo.com.au offer rental vehicle excess cover?
Yes, rental vehicle excess cover is available on Silver and Gold policies, reimbursing the excess if a rented car is damaged, stolen, or involved in an accident while in your custody.
What awards has InsureandGo.com.au won?
InsureandGo.com.au has won over 20 awards and recommendations, including multiple Canstar Awards for “Outstanding Value – International Travel Insurance” and “Outstanding Value – Seniors Travel Insurance,” and the Finder 2024 Award for “Trusted Brand – Travel Insurance.”
Where can I find unbiased customer feedback for InsureandGo.com.au?
InsureandGo.com.au suggests checking external review sites like Product Review and Feefo for unbiased customer feedback. Medvi.org Reviews
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