InsureandGo Australia
Verified🏆 2026<span _componentName="SubtitleLink" {"to": " https://t.cfjump.com/33786/t/88580"}>www.insureandgo.com.au7,207 reviews
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- 3+ months
AI reviews summary
Overall sentiment for InsureandGo Australia is highly positive, with users frequently highlighting the brand's competitive pricing and user-friendly online application process. It is a popular choice for seniors and travellers with pre-existing medical conditions, as the medical screening is often described as straightforward and fair. While many users have not yet made a claim, those who have generally report efficient and supportive service, though a minority of reviewers encountered significant difficulties with claim denials and communication during emergencies.
Pros
- Competitive Pricing: Consistently praised for offering some of the lowest rates in the market, often beating major competitors by significant margins.
- Simple Application Process: The website and online quote system are described as intuitive, fast, and easy to navigate, even for complex itineraries.
- Medical Condition Coverage: Highly rated for its transparent and affordable medical screening process, which often includes pre-existing conditions at no extra cost.
- Efficient Claims Handling: Numerous users reported rapid claim approvals and payouts, sometimes within days, with helpful support from medical and repatriation teams.
Cons
- Claim Denials on Technicalities: Multiple users reported claims being rejected based on "fine print" clauses, particularly regarding flight cancellations by airlines or specific baggage exclusions.
- Communication Delays: Some reviewers experienced long wait times on phone lines or slow email responses when attempting to follow up on active claims or seek emergency assistance.
- Complex Excess Structures: Recurring complaints regarding "per person, per section" excesses, which can lead to unexpectedly high out-of-pocket costs when multiple family members or items are involved.
- Offshore Support Issues: A segment of users expressed frustration with offshore call centres, citing language barriers and a lack of empathy or urgency during medical emergencies.
Verdict
InsureandGo Australia is an excellent option for travellers seeking affordable, easy-to-obtain cover, particularly seniors and those with manageable pre-existing conditions. While the upfront experience is seamless, potential customers should carefully review PDS exclusions and excess structures to ensure the policy meets their specific needs in the event of a claim.
Great service – I recently travelled overseas and had insurance from this team.i had health problems whilst overseas and the team was absolutely fantastic! They communicated with me every step of the way to make sure I was OK and the claim was quick and effortless.The process was easy and all the team was very polite and caring.i felt that they genuinely cared… Read more · 1
and provided great customer service responding promptly to all my needs.I want to thank you all and would highly recommend anyone to take out insurance cover with you.great work!Thankyou team!
Simple, cost efficient, user friendly website makes purchasing a comprehensive travel insurance plan easy. The coverage of the insurance greatly exceeds that of any credit card included policy. I am so relieved to finally have a travel insurance plan that covers all my travel requirements. Show details
Very clear information and easy to select the best option that suited us, and well priced also Easy to understand and use the online system We’ve used them in the past, and will continue using them for our future holidays Show details
Selecting and purchasing my cruise insurance with InsureandGo is easy, with clear information throughout. I particularly like the Gold Cruise coverage, which included coverage that matters to me like unlimited medical and Covid cancellation, missing cruise departure, travel delay expenses, missing belonging & luggage, hospital cash allowance and… Read more
emergency expenses. It is priced competitively compared to other major travel insurers. Furthermore, it provided you with an international emergency number and claiming (which I did once) was relatively easy with prompt reimbursement. This is the 5th time I insured my cruise with InsureandGo.
Reviews with attachments
I have always used Insureandgo for all my travels. They have always been the best value. When we travelled to Norway we had to cut our holiday short due to a family member passing away at home and we had no problems making our claim. It was very easy. Show details
InsureandGo's booking process was easy to understand, especially the inclusions and exclusions. I was recommended then via Canstar website and was impressed by their high ratings and awards. I was also impressed with the clear and concise language used (Plain English) which helps when choosing a policy. Show details
Best online service and also when I called the call centre, super informative! Best prices and great cover all round. I went with Insurance Go as it has top pregnancy low risk cover. Thank you, team. Show details
I've been using InsureandGo for many years now. For every international trip I do. I will not go with another after a freak accident I had in Hawaii where I fell off a 3m ledge and survived with only bruising, concussion, a large bump on the head and a sprained pinky finger. I was so lucky. The medical costs was outrageous. Without travel… Read more
insurance, i would have been up for just under $100K AUD! Thank god for travel insurance and insuranceandgo. They were great and so easy to deal with.
Easy procees, helpful customer service and not too many options which gives clarity Show details
- +1
Very easy to get a quote on line, with various options. Easy to pay and get your policy via email. I have used Insureand go a few times now and have recommended to friends and family who also now use Insureandgo Show details
Easy to navigate the site. The pricing is very reasonable. I was referred by a business partner who runs motorcycle tours worldwide, luckily I have never had to use the policy, however they recommend to their patrons to use insureandgo due to having hassle-free claims and good coverage for previous clients. I have bought insureandgo for three trips now, and have recommended to a number of travel partners. Show details
We purchased travel insurance with InsureandGo Australia for our family trip to Japan and found the policy easy to set up and well priced for the level of cover provided. The coverage was clear, comprehensive, and suited international travel, including medical expenses and travel disruptions, which gave us real peace of mind while overseas. The… Read more
policy documentation was straightforward and easy to understand, and we felt confident knowing we were well covered throughout our trip. Thankfully we didn’t need to make a claim, but based on the clarity of the policy and overall experience, we would happily use InsureandGo again for future travel.
Find out how InsureandGo Australia compares to other Travel Insurance
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I have used InsureandGo for all of my previous 3 international trips. Great communication and competitive pricing for good service. Show details
Whenever I have travelled overseas I use InsureandGo....the reason I use them is a work colleague (im a medic) who took out travel protection recommended them. He was travelling overseas and ended up having a cardiac event where he actually died 2 to 3 times and then had to be eventually flown home..all completely unexpected. This company took… Read more
care of EVERYTHING. It is SO important to take out travel/medical insurance...dont think it will never happen to you or your precious family! I was travelling for work while in Bali and both my friend and I became incredibly unwell. We ended up both on IVs. The doctor and nurse actually came to our hotel. They were amazing..the care was second to none! The insurance company I had intially taken out a policy with was not helpful and declined our claim! Which in hindsight was a godsend as I then found Insurengo and never looked back! On my last trip to the US and found Insurengo at least $200 cheaper than the other company's out there. I have also recommended this amazing company to others who have found feeling safe and kmowing its an Australian owned and operated group! Let's support these wonderful company's who work hard for us..bringing us the best cover and ease of sign up! Thanks again InGo Team!
Latest follow-ups
The cover I wanted at a reasonable price. Thank you very much Show details
Follow-up · It covers my trip to Melbourne early next year. Yes it was easy to buy and covers me for everything I need.
Yet again, such an easy process to review and select the base policy we wanted to run with based on our trip needs. Super easy to customise add-on cover options, and (no additional cost)pre-existing conditions medical cover. Show details
Follow-up · Well we keep coming back to the same travel insurance provider so you’re obviously doing it right still.. super easy to get quotes, review cover, add in extras, go through pre-existing medical conditions (at no cost) and make payment. Thank you !
Went to Thailand. Declared a pre existing condition being atrial flutter which was accepted. Unfortunately, on arrival in Koh Samui I had a flare up and had to go to hospital via ambulance. When assessing my claim, the company stated I had not… Read more
declared heart failure (which it was not - its just one of my prescriptions is also for that in other people). I DO NOT HAVE HEART FAILURE! Then they said I did not declare a pacemaker (I tried to declare this but you could not on their site as it is a part of the original condition declared) I was not appreciative of basically being told I was a liar. They then said they wanted a release of my medical records in Australia which I had to do by phone typing in the hospital bed. While all this was going on the hospital would not treat me without me paying $5000 as the insurance would not clear me at this point. I had no alternative but to pay. Shortly after and many calls from Thailand to them in Australia they agreed to cover my declared condition. They did not even ask for my medical records to be released. Meanwhile the hospital said the $5000 paid would take about 20 days for a refund. I then had a further follow up appointment in Samui and then in Bangkok later. On both occasions I could not leave the hospital until the company approved the expense even though they had stated they had given pre approval. I waited over 2 hours on each occasion and in Bangkok had my driver waiting with me at a further cost. After many emails I asked that my treatment be considered a complaint. Nothing happened even after they said I would be contacted within 2 days. They went to close my file and I asked about my complaint and their response was - sorry we will get them now to contact you. I gave up at that point just glad that I was home and vowing to never use them again for travel insurance.
Follow-up · Follow up - I received an apology from the company, no refund and no compensation from them. They did pay out the medical bills eventually. The Bangkok hospital was wonderful as was my medical treatment in Thailand. The pacemaker was covered as Insure and go admitted that their system would not let me declare it. Would I use them again? No.
Positive reviews
I have been using Insure and go for years, I have never had a bad experience with them. They are professional and I never have to second guess choosing them for all my International travel. If you have to make a Claim they are straightforward and easy to deal with. And you can talk to real people for all your travel insurance needs. Highly recommended Insure and go Show details
The set up of our policy was straightforward, with the expected medical questions reasonable and not "over the top". The fee charged was acceptable. Naturally we hope not to have to draw on the policy when our WA trip soon becomes a reality, but so far so good with it. Show details
Easy to navigate and was one of the fastest insurance processes I’ve ever been through.We were covered in a matter of no time and I have heard nothing but positive reviews and feedback so I knew I had made the right decision. Show details
Negative reviews
BEWARE Insure&Go for VERY HIGH Travel Insurance Policy Cancellation Fees. I recently Paid $386.36 for an International Travel Insurance Policy with Insure&Go for my Wife & I. I answered all their Questions honestly and truthfully. However, subsequent to my Application, an unexpected Health event occurred which impacted my Wife. This event was… Read more
clearly a NON pre-existing Health issue. However, I decided to contact Insure&Go to check with them re this unexpected event. This to confirm if my Wife was still FULLY covered by this Policy.
Insure&Go dutifully trotted out their definition of a Pre-Existing Health issue. After their response, I still had lingering doubts as to whether Insure&Go would honour the "small print" in their TI Policy.
So... later and after the Cooling Off Period had expired, I decided to lodge a query about a Cancellation Refund.
For Travel Insurance Cancellations after the Cooling Off Period has expired - the Insure&Go Website states...
QUOTE ... a Pro Rata Refund will be issued LESS Government Charges and Taxes. UNQUOTE
THERE IS NO MENTION OF A/ANY ADDITIONAL SERVICE FEE.
Insure&Go (only) offered me a $187.27 Pro Rata Refund.
This is LESS than half of my original Purchase price of $386.36 !!!
In Victoria, Stamp Duty and GST are both nominally 10% each. So... Fees & Charges were approx $75.
That clearly indicates Insure&Go have retained a HUGE Service Fee of approx $125 for this Cancellation request.
When I queried the LOW magnitude of this Refund, Insure&Go replied with this...
QUOTE ... refunds are calculated follows the process set by AFCA (The Australian Financial Complaints Authority). UNQUOTE
With no apparent recourse available... all I can say is this...
BEWARE Insure&Go for VERY HIGH Policy Cancellation Fees.
Since I have proof that my Wife's unexpected Health issue was only "actioned" AFTER the Date I paid for this Travel Insurance Policy, I have decided NOT to follow thru with a Cancellation Request.
However, I will NEVER again use Insure&Go for my future Travel Insurance needs.
Again I close with this...
BEWARE Insure&Go for VERY HIGH Policy Cancellation Fees.
Hi Nellie, I’m very sorry to hear about… Read more
Find out how InsureandGo Australia compares to other Travel Insurance
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Due to travel being cancelled they would not even refund our unused policy prior to travel, communication is terrible and would not trust them if I had a real claim. Go elsewhere if you want cover Show details
Hi Kelly, I am sorry to hear about your… Read more
My family and I recently completed an overseas trip, we had purchased a travel insurance policy with added Natural Disaster coverage from InsureandGo a few weeks before departure. Our trip was impacted by a natural disaster, so we claimed for the… Read more
accommodation expenses incurred due to this event, our claim was denied as we were "not covered for a travel delay".
This company will use whatever means available to deny your claim. Why provide coverage for a natural disaster at all if you then deny claims attributed to a natural disaster.
When an event occurs and you need support, don't count on InsureandGo to be there for you.
Update: InsureandGo contacted me via phone to discuss my review. They stuck to the narrative that Natural Disaster coverage is only applicable to your level of cover.....weasal words. If that's the case, clearly define on the "add-on" page what is covered and not covered with each option, as the current wording does not sufficiently broadcast the limitations. As things stand, the Natural Disaster add-on coverage seems to be nothing more than a way to extract extra money from people.
Our claim was for a minor amount of money ($400 minus excess), I am just thankful that our claim was not for a substantial amount.
Follow-up · Excess was $100 (this isn't paid unless the claim is successful). The natural disaster was a typhoon which shut down all transportation leaving Cebu. Left us stranded with short time to find accommodation.
Hi Jason, I’m sorry to hear about your… Read more (+1 reply)
Recent reviews
The premiums were a tad more than I expected but the coverage of claimable items were extensive. I spoke to a human and he answered all my concerns and queries. The entire process was seamless. Proof of the pudding will be should I have to make a claim that is the essence of a good travel insurance company. Here's hoping!!! Show details
I found the InsureandGo Australia website easy to use and as we have some "existing health issues" the website was "user friendly" to negotiate through. The insurance cost was extremely competitive as well Show details
The website was very user friendly. I had a query and rang the support phone number; the support person clearly answered my queries to clarify the issues. Well done, thanks Show details
The online application was easy to navigate. The product description was clear. I had no problems entering my medical information. Cost was reasonable. Very happy with the experience Show details
Very easy to see what is and isn’t included in the cover. Priced well. My partner previously used insure and go for a domestic trip and made a claim, the process for the pay out was very easy and made a stressful incident while away much more simpler. Show details
I recently had an incident when I needed to cancel an InsureandGo travel policy. It was relatively easy to get through on the phone and once the situation was explained, I&G agreed to provide a full refund. Show details
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Hi Chris, I’m sorry to hear about your… Read more (+2 replies)