Insure&Go
The terms
- Insure&Go Single-Trip Travel Insurance PDS, 20 January 2026
- Insure&Go Single-Trip Target Market Determination, July 2026 effective 29 July 2026
A travel premium is priced from the trip, so for a price ask Insure&Go — through insureandgo.com.au, by phone, or through whoever sells it.
Plans
International Single Trip
Every limit for one plan: Bare Essentials · Silver · Gold
2 of these benefit names read as fragments: this document wraps a benefit’s name across lines in a way the extraction does not separate. The limits are read from the right row; it is the names that are unreliable.
| Benefit | Bare Essentials | Silver | Gold | Excess |
|---|---|---|---|---|
| C1 Additional emergency | $5,000 | $15,000 | Unlimited | yes |
| C2 Resumption of journey | Nil | Nil | $3,000 | yes |
| E1 Personal belongings | $5,000 | $7,500 | $15,000 | yes |
| and baggage personal electronics sub-limit | Nil | $2,000 | $3,000 | |
| valuables | Nil | $500 | $750 | |
| single article limit/pair or set | $500 | $500 | $750 | |
| E3 Delayed baggage | Nil | $500 | $750 | no |
| Including sub-limit for delays | Nil | $500 | $500 | |
| E4 Passport and travel | Nil | $2,500 | $5,000 | no |
| E5 Money | Nil | $250 | $500 | yes |
| F Accidental death and | Nil | $37,500 | $50,000 | no |
| G Personal liability | $1,500,000 | $2,500,000 | $5,000,000 | yes |
| H Legal expenses | Nil | $10,000 | $25,000 | yes |
| I Airline hijack | Nil | Nil | $2,500 | no |
| J Pet care | Nil | Nil | $600 | no |
| K Rental car excess waiver | Nil | $4,000 | $8,000 | no |
| L Loss of income | Nil | $5,200 | $10,400 | no |
| M1 COVID-19 Expenses | Nil | $2,500 | $5,000 | yes |
| M2 COVID-19 Expenses: Medical | Nil | Unlimited | Unlimited | yes |
| Return of body or ashes | Nil | $50,000 | $50,000 | |
| Funeral or burial expenses | Nil | $10,000 | $10,000 |
Domestic Single Trip
Every limit for one plan: Bare Essentials · Silver · Gold
2 of these benefit names read as fragments: this document wraps a benefit’s name across lines in a way the extraction does not separate. The limits are read from the right row; it is the names that are unreliable.
| Benefit | Bare Essentials | Silver | Gold | Excess |
|---|---|---|---|---|
| A Cancelling your trip | $2,000 | $10,000 | $50,000 | yes |
| B1 Medical and other expenses | Nil | Nil | Nil | yes |
| Emergency overseas | Nil | Nil | Nil | |
| Dental treatment | Nil | Nil | Nil | |
| Return of body or ashes | Nil | Nil | Nil | |
| Funeral or burial expenses | Nil | Nil | Nil | |
| B2 Hospital cash allowance | Nil | Nil | Nil | no |
| C1 Additional emergency | Nil | $5,000 | $25,000 | yes |
| C2 Resumption of journey | Nil | Nil | $3,000 | yes |
| E1 Personal belongings | $2,000 | $5,000 | $8,000 | yes |
| and baggage personal electronics sub-limit | Nil | $2,000 | $3,000 | |
| valuables | Nil | $500 | $750 | |
| single article limit/pair or set | $500 | $500 | $750 | |
| E3 Delayed baggage | Nil | $250 | $500 | no |
| Including sub-limit for delays | Nil | $250 | $300 | |
| E4 Passport and travel | Nil | Nil | Nil | no |
| E5 Money | Nil | $250 | $500 | yes |
| F Accidental death and | Nil | $15,000 | $15,000 | no |
| G Personal liability | $1,500,000 | $1,500,000 | $1,500,000 | yes |
| H Legal expenses | Nil | Nil | $25,000 | yes |
| I Airline hijack | Nil | Nil | Nil | no |
| J Pet care | Nil | Nil | Nil | no |
| K Rental car excess waiver | Nil | $4,000 | $7,500 | no |
| Return of rental car | Nil | Nil | $750 | |
| L Loss of income | Nil | Nil | Nil | no |
| M1 COVID-19 Expenses | Nil | $2,500 | $5,000 | yes |
| M2 COVID-19 Expenses: Medical | Nil | Nil | Nil | no |
Getting a quote
- The age of every traveller to be covered, not just the eldest.
- Destination, and whether the trip includes a cruise or snow sports, which are often priced or excluded separately.
- Departure and return dates, and for an annual policy the longest single trip.
- The trip cost already paid and non-refundable, which is what a cancellation limit has to cover.
- Any pre-existing medical condition, which is assessed inside the quote and can change the price or the cover.
- Whether they already hold travel cover through a credit card or health fund.
Who this product is designed for, in the insurer’s own words:
This product is designed for travellers who are citizens or permanent residents of Australia or non-permanent residents who have a valid Medicare, Private Health Fund or Overseas Student Travel Insurance in Australia
Who stands behind it
Who carries the risk decides who pays a claim and nothing else: it does not set the price and it does not change what the plans above cover. It is here because a brand’s own site mostly does not say it, and because several of these brands turn out to share one insurer.
| Insurer | Mitsui Sumitomo Insurance Company Limited
ABN 49 000 525 637, AFSL 240816 |
| Register | on APRA’s register and authorised to write new business |
| Sold by | Europ Assistance Australia Pty Ltd
binding authority |
| Cooling off | 21 days |
The insurer of this insurance is: Mitsui Sumitomo Insurance Company Limited (“MSI”) ABN 49 000 525 637 AFSL Number 240816 Level 26, 135 King St, Sydney, NSW 2000, Australia Please refer to the FSG section of this document for information on the services provided and the remuneration received, or to be received, by Europ Assistance as the distributor and…
Data
insureandgo.json: this page as data.- Every brand and who underwrites it, and every insurer and plan.
Deep Almanac is a secondary source and this page is provided for general information and reference. It is not financial, investment, legal, valuation, educational or other professional advice, and it is not a substitute for checking the original source. This dataset holds no travel insurance premiums, because no price list is published for them: it reports what travellers pay in premiums and what comes back as claims across the whole class of business, what each policy covers, and who is authorised to underwrite it. It cannot tell you what a trip would cost to insure, and a class-wide ratio says nothing about any one insurer or trip. You are responsible for any decision you or your software makes in reliance on this page. See our terms of use.