{ "generated_at": "2026-11-06T03:28:46Z", "brand_slug": "insureandgo", "brand": "Insure&Go", "site": "https://www.insureandgo.com.au/", "product": "Single Trip", "page": "https://deepalmanac.com/au/insurance/travel/brands/insureandgo/", "insurer": { "name": "Mitsui Sumitomo Insurance Company Limited", "legal_name": "Mitsui Sumitomo Insurance Company Limited", "abn": "49000525637", "afs_licence_number": "240816", "footing": "company", "register": { "outcome": "apra_authorised", "apra_status": "authorised", "matched_on": "afs_licence_number", "asic_licensee": "MITSUI SUMITOMO INSURANCE COMPANY, LIMITED", "note": null }, "quote": "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…", "citation": { "quote": "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", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=18", "page": 18, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05" } }, "sold_by": { "name": "Europ Assistance Australia Pty Ltd", "basis": "binding_authority" }, "documents": { "pds": { "kind": "pds", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf", "label": "Insure&Go Single-Trip Travel Insurance PDS, 20 January 2026", "status": "ok", "http_status": 200, "words": 26558, "content_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5", "bytes_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "retrieved_at": "2026-11-04T23:17:21Z" }, "tmd": { "kind": "tmd", "url": "https://insureandgo.com.au/sites/default/files/2026-07/2026_07_IGO_ST_TMD.pdf", "label": "Insure&Go Single-Trip Target Market Determination, July 2026", "status": "ok", "http_status": 200, "words": 2848, "content_sha256": "1ccd834396d5bb6d34d128b7b78c4f91a62955792b360a33823016352a064cd0", "bytes_sha256": "ee4d58deb7dcd4337ad46fbd44d078fb648ddd16a35222232d94ef3b2748f7f0", "retrieved_at": "2026-11-04T23:17:22Z" } }, "application": { "cooling_off_days": 21, "cooling_off_quote": "to us within 21 days of purchasing it, provided that you have not made a claim or exercised any other rights under the policy and your trip has not commenced", "maximum_age": null, "maximum_age_check": "not_stated", "maximum_age_note": "No maximum age is stated in prose in this brand's PDS. Where a policy has one it is usually in an eligibility table, which is not read yet, so this is unknown rather than absent.", "who_it_is_designed_for": "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", "always_ask_the_traveller": [ "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." ] }, "plans": [ { "brand_slug": "insureandgo", "plan_slug": "bare-essentials", "brand": "Insure&Go", "site": "https://www.insureandgo.com.au/", "insurer": "Mitsui Sumitomo Insurance Company Limited", "insurer_footing": "company", "product": "International Single Trip", "plan": "Bare Essentials", "varies_by": "plan", "benefits_read": 21, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "luggage_total": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "E1 Personal belongings", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$5,000", "$7,500", "$15,000", "Yes" ] } }, "rental_vehicle_excess": { "kind": "no_cover", "amount_aud": 0, "stated": "Nil", "citation": { "quote": "K Rental car excess waiver", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$4,000", "$8,000", "No" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 1500000, "stated": "$1,500,000", "citation": { "quote": "G Personal liability", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$1,500,000", "$2,500,000", "$5,000,000", "Yes" ] } }, "accidental_death": { "kind": "no_cover", "amount_aud": 0, "stated": "Nil", "citation": { "quote": "F Accidental death and", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$37,500", "$50,000", "No" ] } }, "cash": { "kind": "no_cover", "amount_aud": 0, "stated": "Nil", "citation": { "quote": "E5 Money", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$250", "$500", "Yes" ] } } }, "implausible": null, "excess_applies": { "luggage_total": true, "rental_vehicle_excess": false, "personal_liability": true, "accidental_death": false, "cash": true }, "document": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf", "labels": [ "single-trip", "overseas", "cruise-not-covered", "pre-existing-if-approved", "age-to-79" ], "conditions": { "lines": [ "Covers one trip overseas, up to the trip length you choose.", "It cannot be bought for the Worldwide Including plan, needed if you spend more than 48 hours in North or South America.", "Travel on a commercial cruise ship is not covered; Insure&Go sells a separate Cruise policy for that.", "You must be 79 or younger when you apply.", "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium." ], "written_on": "2026-10-15", "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5" }, "pre_existing_conditions": { "treatment": "if_approved", "in_words": "only if approved", "labels": [ "pre-existing-if-approved" ], "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5", "automatically_covered": null }, "page": "https://deepalmanac.com/au/insurance/travel/brands/insureandgo/bare-essentials/" }, { "brand_slug": "insureandgo", "plan_slug": "silver", "brand": "Insure&Go", "site": "https://www.insureandgo.com.au/", "insurer": "Mitsui Sumitomo Insurance Company Limited", "insurer_footing": "company", "product": "International Single Trip", "plan": "Silver", "varies_by": "plan", "benefits_read": 21, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "luggage_total": { "kind": "amount", "amount_aud": 7500, "stated": "$7,500", "citation": { "quote": "E1 Personal belongings", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$5,000", "$7,500", "$15,000", "Yes" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 4000, "stated": "$4,000", "citation": { "quote": "K Rental car excess waiver", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$4,000", "$8,000", "No" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 2500000, "stated": "$2,500,000", "citation": { "quote": "G Personal liability", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$1,500,000", "$2,500,000", "$5,000,000", "Yes" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 37500, "stated": "$37,500", "citation": { "quote": "F Accidental death and", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$37,500", "$50,000", "No" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "E5 Money", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$250", "$500", "Yes" ] } } }, "implausible": null, "excess_applies": { "luggage_total": true, "rental_vehicle_excess": false, "personal_liability": true, "accidental_death": false, "cash": true }, "document": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf", "labels": [ "single-trip", "overseas", "cruise-not-covered", "pre-existing-if-approved", "age-to-100" ], "conditions": { "lines": [ "Covers one trip overseas, up to the trip length you choose.", "Travel on a commercial cruise ship is not covered; 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Insure&Go sells a separate Cruise policy for that.", "You must be 100 or younger when you apply.", "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium." ], "written_on": "2026-10-15", "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5" }, "pre_existing_conditions": { "treatment": "if_approved", "in_words": "only if approved", "labels": [ "pre-existing-if-approved" ], "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5", "automatically_covered": null }, "page": "https://deepalmanac.com/au/insurance/travel/brands/insureandgo/gold/" }, { "brand_slug": "insureandgo", "plan_slug": "bare-essentials-2", "brand": "Insure&Go", "site": "https://www.insureandgo.com.au/", "insurer": "Mitsui Sumitomo Insurance Company Limited", "insurer_footing": "company", "product": "Domestic Single Trip", "plan": "Bare Essentials", "varies_by": "plan", "benefits_read": 27, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "no_cover", "amount_aud": 0, "stated": "Nil", "citation": { "quote": "B1 Medical and other expenses", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil", "Yes" ] } }, "cancellation": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "A Cancelling your trip", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$2,000", "$10,000", "$50,000", "Yes" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 2000, "stated": "$2,000", "citation": { "quote": "E1 Personal belongings", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$2,000", "$5,000", "$8,000", "Yes" ] } }, "rental_vehicle_excess": { "kind": "no_cover", "amount_aud": 0, "stated": "Nil", "citation": { "quote": "K Rental car excess waiver", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$4,000", "$7,500", "No" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 1500000, "stated": "$1,500,000", "citation": { "quote": "G Personal liability", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$1,500,000", "$1,500,000", "$1,500,000", "Yes" ] } }, "accidental_death": { "kind": "no_cover", "amount_aud": 0, "stated": "Nil", "citation": { "quote": "F Accidental death and", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$15,000", "$15,000", "No" ] } }, "cash": { "kind": "no_cover", "amount_aud": 0, "stated": "Nil", "citation": { "quote": "E5 Money", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$250", "$500", "Yes" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "luggage_total": true, "rental_vehicle_excess": false, "personal_liability": true, "accidental_death": false, "cash": true }, "document": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf", "labels": [ "single-trip", "domestic", "cruise-not-covered", "pre-existing-if-approved", "age-to-79" ], "conditions": { "lines": [ "Covers one trip within Australia, up to the trip length you choose.", "Travel on a commercial cruise ship is not covered; Insure&Go sells a separate Cruise policy for that.", "You must be 79 or younger when you apply.", "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium." ], "written_on": "2026-10-15", "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5" }, "pre_existing_conditions": { "treatment": "if_approved", "in_words": "only if approved", "labels": [ "pre-existing-if-approved" ], "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5", "automatically_covered": null }, "page": "https://deepalmanac.com/au/insurance/travel/brands/insureandgo/bare-essentials-2/" }, { "brand_slug": "insureandgo", "plan_slug": "silver-2", "brand": "Insure&Go", "site": "https://www.insureandgo.com.au/", "insurer": "Mitsui Sumitomo Insurance Company Limited", "insurer_footing": "company", "product": "Domestic Single Trip", "plan": "Silver", "varies_by": "plan", "benefits_read": 27, "plan_names_read_from_document": true, "benefit_names_unreliable": true, "cooling_off_days": 21, "limits": { "overseas_medical": { "kind": "no_cover", "amount_aud": 0, "stated": "Nil", "citation": { "quote": "B1 Medical and other expenses", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil", "Yes" ] } }, "cancellation": { "kind": "amount", "amount_aud": 10000, "stated": "$10,000", "citation": { "quote": "A Cancelling your trip", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$2,000", "$10,000", "$50,000", "Yes" ] } }, "luggage_total": { "kind": "amount", "amount_aud": 5000, "stated": "$5,000", "citation": { "quote": "E1 Personal belongings", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$2,000", "$5,000", "$8,000", "Yes" ] } }, "rental_vehicle_excess": { "kind": "amount", "amount_aud": 4000, "stated": "$4,000", "citation": { "quote": "K Rental car excess waiver", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$4,000", "$7,500", "No" ] } }, "personal_liability": { "kind": "amount", "amount_aud": 1500000, "stated": "$1,500,000", "citation": { "quote": "G Personal liability", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$1,500,000", "$1,500,000", "$1,500,000", "Yes" ] } }, "accidental_death": { "kind": "amount", "amount_aud": 15000, "stated": "$15,000", "citation": { "quote": "F Accidental death and", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$15,000", "$15,000", "No" ] } }, "cash": { "kind": "amount", "amount_aud": 250, "stated": "$250", "citation": { "quote": "E5 Money", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$250", "$500", "Yes" ] } } }, "implausible": null, "excess_applies": { "overseas_medical": true, "cancellation": true, "luggage_total": true, "rental_vehicle_excess": false, "personal_liability": true, "accidental_death": false, "cash": true }, "document": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf", "labels": [ "single-trip", "domestic", "cruise-not-covered", "pre-existing-if-approved", "age-to-100" ], "conditions": { "lines": [ "Covers one trip within Australia, up to the trip length you choose.", "Travel on a commercial cruise ship is not covered; 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Insure&Go sells a separate Cruise policy for that.", "You must be 100 or younger when you apply.", "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium." ], "written_on": "2026-10-15", "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5" }, "pre_existing_conditions": { "treatment": "if_approved", "in_words": "only if approved", "labels": [ "pre-existing-if-approved" ], "line": "Pre-existing medical conditions are not covered unless the insurer offers cover after a medical screening and you pay any extra premium.", "line_is": "written by hand from the PDS in plain words, not a quote of it; written_against_sha256 is the content_sha256 of the PDS it was written from", "written_against_sha256": "e2ea3848086c474f0c6ab267410a34523ed57644310da50ea8f5e59b81b067d5", "automatically_covered": null }, "page": "https://deepalmanac.com/au/insurance/travel/brands/insureandgo/gold-2/" } ], "benefit_tables": [ { "group": "International Single Trip", "label_quality": { "benefits": 21, "names_that_look_fragmentary": 2, "note": "A benefit's name can wrap across lines in these documents. Where the wrap is not separated cleanly a name arrives as a fragment of its own row joined to part of the next. The limits are still read from the right row; it is the name that is unreliable, so a high count here means this brand's benefit names should not be compared across brands yet." }, "plans_without_a_readable_name": null, "plan_name_mismatch": null, "plan_axis": "plan", "plans": [ { "plan": "Bare Essentials", "trip_type": null }, { "plan": "Silver", "trip_type": null }, { "plan": "Gold", "trip_type": null } ], "plan_names": [ "Bare Essentials", "Silver", "Gold" ], "coverage": { "benefits": 21, "cells": 63, "cells_possible": 63 }, "benefits": [ { "benefit": "C1 Additional emergency", "benefit_as_printed": "C1 Additional emergency", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Silver": { "stated": "$15,000", "kind": "amount", "amount_aud": 15000 }, "Gold": { "stated": "Unlimited", "kind": "unlimited", "amount_aud": null } }, "evidence": { "row": "C1 Additional emergency $5,000 $15,000 Unlimited Yes" }, "citation": { "quote": "C1 Additional emergency", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$5,000", "$15,000", "Unlimited", "Yes" ] }, "excess_applies": true }, { "benefit": "C2 Resumption of journey", "benefit_as_printed": "C2 Resumption of journey", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "$3,000", "kind": "amount", "amount_aud": 3000 } }, "evidence": { "row": "C2 Resumption of journey Nil Nil $3,000 Yes" }, "citation": { "quote": "C2 Resumption of journey", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "$3,000", "Yes" ] }, "excess_applies": true }, { "benefit": "luggage_total", "benefit_as_printed": "E1 Personal belongings", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Silver": { "stated": "$7,500", "kind": "amount", "amount_aud": 7500 }, "Gold": { "stated": "$15,000", "kind": "amount", "amount_aud": 15000 } }, "evidence": { "row": "E1 Personal belongings $5,000 $7,500 $15,000 Yes" }, "citation": { "quote": "E1 Personal belongings", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$5,000", "$7,500", "$15,000", "Yes" ] }, "excess_applies": true }, { "benefit": "and baggage personal electronics sub-limit", "benefit_as_printed": "and baggage personal electronics sub-limit", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Gold": { "stated": "$3,000", "kind": "amount", "amount_aud": 3000 } }, "evidence": { "row": "personal electronics sub-limit Nil $2,000 $3,000" }, "citation": { "quote": "personal electronics sub-limit", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$2,000", "$3,000" ] } }, { "benefit": "valuables", "benefit_as_printed": "valuables", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Gold": { "stated": "$750", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "valuables Nil $500 $750" }, "citation": { "quote": "valuables", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$500", "$750" ] } }, { "benefit": "single article limit/pair or set", "benefit_as_printed": "single article limit/pair or set", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Silver": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Gold": { "stated": "$750", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "single article limit/pair or set $500 $500 $750" }, "citation": { "quote": "single article limit/pair or set", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$500", "$500", "$750" ] } }, { "benefit": "luggage_delayed", "benefit_as_printed": "E3 Delayed baggage", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Gold": { "stated": "$750", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "E3 Delayed baggage Nil $500 $750 No" }, "citation": { "quote": "E3 Delayed baggage", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$500", "$750", "No" ] }, "excess_applies": false }, { "benefit": "Including sub-limit for delays", "benefit_as_printed": "Including sub-limit for delays", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Gold": { "stated": "$500", "kind": "amount", "amount_aud": 500 } }, "evidence": { "row": "Including sub-limit for delays Nil Nil $200" }, "citations": [ { "quote": "Including sub-limit for delays", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "$200" ] }, { "quote": "Including sub-limit for delays", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$500", "$500" ] } ] }, { "benefit": "E4 Passport and travel", "benefit_as_printed": "E4 Passport and travel", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$2,500", "kind": "amount", "amount_aud": 2500 }, "Gold": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 } }, "evidence": { "row": "E4 Passport and travel Nil $2,500 $5,000 No" }, "citation": { "quote": "E4 Passport and travel", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$2,500", "$5,000", "No" ] }, "excess_applies": false }, { "benefit": "cash", "benefit_as_printed": "E5 Money", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$250", "kind": "amount", "amount_aud": 250 }, "Gold": { "stated": "$500", "kind": "amount", "amount_aud": 500 } }, "evidence": { "row": "E5 Money Nil $250 $500 Yes" }, "citation": { "quote": "E5 Money", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$250", "$500", "Yes" ] }, "excess_applies": true }, { "benefit": "accidental_death", "benefit_as_printed": "F Accidental death and", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$37,500", "kind": "amount", "amount_aud": 37500 }, "Gold": { "stated": "$50,000", "kind": "amount", "amount_aud": 50000 } }, "evidence": { "row": "F Accidental death and Nil $37,500 $50,000 No" }, "citation": { "quote": "F Accidental death and", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$37,500", "$50,000", "No" ] }, "excess_applies": false }, { "benefit": "personal_liability", "benefit_as_printed": "G Personal liability", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "$1,500,000", "kind": "amount", "amount_aud": 1500000 }, "Silver": { "stated": "$2,500,000", "kind": "amount", "amount_aud": 2500000 }, "Gold": { "stated": "$5,000,000", "kind": "amount", "amount_aud": 5000000 } }, "evidence": { "row": "G Personal liability $1,500,000 $2,500,000 $5,000,000 Yes" }, "citation": { "quote": "G Personal liability", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$1,500,000", "$2,500,000", "$5,000,000", "Yes" ] }, "excess_applies": true }, { "benefit": "H Legal expenses", "benefit_as_printed": "H Legal expenses", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$10,000", "kind": "amount", "amount_aud": 10000 }, "Gold": { "stated": "$25,000", "kind": "amount", "amount_aud": 25000 } }, "evidence": { "row": "H Legal expenses Nil $10,000 $25,000 Yes" }, "citation": { "quote": "H Legal expenses", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$10,000", "$25,000", "Yes" ] }, "excess_applies": true }, { "benefit": "I Airline hijack", "benefit_as_printed": "I Airline hijack", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "$2,500", "kind": "amount", "amount_aud": 2500 } }, "evidence": { "row": "I Airline hijack Nil Nil $2,500 No" }, "citation": { "quote": "I Airline hijack", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "$2,500", "No" ] }, "excess_applies": false }, { "benefit": "J Pet care", "benefit_as_printed": "J Pet care", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "$600", "kind": "amount", "amount_aud": 600 } }, "evidence": { "row": "J Pet care Nil Nil $600 No" }, "citation": { "quote": "J Pet care", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "$600", "No" ] }, "excess_applies": false }, { "benefit": "rental_vehicle_excess", "benefit_as_printed": "K Rental car excess waiver", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$4,000", "kind": "amount", "amount_aud": 4000 }, "Gold": { "stated": "$8,000", "kind": "amount", "amount_aud": 8000 } }, "evidence": { "row": "K Rental car excess waiver Nil $4,000 $8,000 No" }, "citation": { "quote": "K Rental car excess waiver", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$4,000", "$8,000", "No" ] }, "excess_applies": false }, { "benefit": "L Loss of income", "benefit_as_printed": "L Loss of income", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$5,200", "kind": "amount", "amount_aud": 5200 }, "Gold": { "stated": "$10,400", "kind": "amount", "amount_aud": 10400 } }, "evidence": { "row": "L Loss of income Nil $5,200 $10,400 No" }, "citation": { "quote": "L Loss of income", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$5,200", "$10,400", "No" ] }, "excess_applies": false }, { "benefit": "M1 COVID-19 Expenses", "benefit_as_printed": "M1 COVID-19 Expenses", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$2,500", "kind": "amount", "amount_aud": 2500 }, "Gold": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 } }, "evidence": { "row": "M1 COVID-19 Expenses: Nil $2,500 $5,000 Yes" }, "citation": { "quote": "M1 COVID-19 Expenses:", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$2,500", "$5,000", "Yes" ] }, "excess_applies": true }, { "benefit": "M2 COVID-19 Expenses: Medical", "benefit_as_printed": "M2 COVID-19 Expenses: Medical", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Unlimited", "kind": "unlimited", "amount_aud": null }, "Gold": { "stated": "Unlimited", "kind": "unlimited", "amount_aud": null } }, "evidence": { "row": "M2 COVID-19 Expenses: Medical Nil Unlimited Unlimited Yes" }, "citation": { "quote": "M2 COVID-19 Expenses: Medical", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Unlimited", "Unlimited", "Yes" ] }, "excess_applies": true }, { "benefit": "Return of body or ashes", "benefit_as_printed": "Return of body or ashes", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$50,000", "kind": "amount", "amount_aud": 50000 }, "Gold": { "stated": "$50,000", "kind": "amount", "amount_aud": 50000 } }, "evidence": { "row": "Return of body or ashes Nil $50,000 $50,000" }, "citation": { "quote": "Return of body or ashes", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$50,000", "$50,000" ] } }, { "benefit": "Funeral or burial expenses", "benefit_as_printed": "Funeral or burial expenses", "page": "lines 146-186", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$10,000", "kind": "amount", "amount_aud": 10000 }, "Gold": { "stated": "$10,000", "kind": "amount", "amount_aud": 10000 } }, "evidence": { "row": "Funeral or burial expenses Nil $10,000 $10,000" }, "citation": { "quote": "Funeral or burial expenses", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=5", "page": 5, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$10,000", "$10,000" ] } } ] }, { "group": "Domestic Single Trip", "label_quality": { "benefits": 27, "names_that_look_fragmentary": 2, "note": "A benefit's name can wrap across lines in these documents. Where the wrap is not separated cleanly a name arrives as a fragment of its own row joined to part of the next. The limits are still read from the right row; it is the name that is unreliable, so a high count here means this brand's benefit names should not be compared across brands yet." }, "plans_without_a_readable_name": null, "plan_name_mismatch": null, "plan_axis": "plan", "plans": [ { "plan": "Bare Essentials", "trip_type": null }, { "plan": "Silver", "trip_type": null }, { "plan": "Gold", "trip_type": null } ], "plan_names": [ "Bare Essentials", "Silver", "Gold" ], "coverage": { "benefits": 27, "cells": 81, "cells_possible": 81 }, "benefits": [ { "benefit": "cancellation", "benefit_as_printed": "A Cancelling your trip", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Silver": { "stated": "$10,000", "kind": "amount", "amount_aud": 10000 }, "Gold": { "stated": "$50,000", "kind": "amount", "amount_aud": 50000 } }, "evidence": { "row": "A Cancelling your trip $2,000 $10,000 $50,000 Yes" }, "citation": { "quote": "A Cancelling your trip", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$2,000", "$10,000", "$50,000", "Yes" ] }, "excess_applies": true }, { "benefit": "overseas_medical", "benefit_as_printed": "B1 Medical and other expenses", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "B1 Medical and other expenses Nil Nil Nil Yes" }, "citation": { "quote": "B1 Medical and other expenses", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil", "Yes" ] }, "excess_applies": true }, { "benefit": "Emergency overseas", "benefit_as_printed": "Emergency overseas", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "Emergency overseas Nil Nil Nil" }, "citation": { "quote": "Emergency overseas", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil" ] } }, { "benefit": "overseas_dental_emergency", "benefit_as_printed": "Dental treatment", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "Dental treatment Nil Nil Nil" }, "citation": { "quote": "Dental treatment", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil" ] } }, { "benefit": "Return of body or ashes", "benefit_as_printed": "Return of body or ashes", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "Return of body or ashes Nil Nil Nil" }, "citation": { "quote": "Return of body or ashes", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil" ] } }, { "benefit": "Funeral or burial expenses", "benefit_as_printed": "Funeral or burial expenses", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "Funeral or burial expenses Nil Nil Nil" }, "citation": { "quote": "Funeral or burial expenses", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil" ] } }, { "benefit": "hospital_incidentals", "benefit_as_printed": "B2 Hospital cash allowance", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "B2 Hospital cash allowance Nil Nil Nil No" }, "citation": { "quote": "B2 Hospital cash allowance", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil", "No" ] }, "excess_applies": false }, { "benefit": "C1 Additional emergency", "benefit_as_printed": "C1 Additional emergency", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Gold": { "stated": "$25,000", "kind": "amount", "amount_aud": 25000 } }, "evidence": { "row": "C1 Additional emergency Nil $5,000 $25,000 Yes" }, "citation": { "quote": "C1 Additional emergency", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$5,000", "$25,000", "Yes" ] }, "excess_applies": true }, { "benefit": "C2 Resumption of journey", "benefit_as_printed": "C2 Resumption of journey", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "$3,000", "kind": "amount", "amount_aud": 3000 } }, "evidence": { "row": "C2 Resumption of journey Nil Nil $3,000 Yes" }, "citation": { "quote": "C2 Resumption of journey", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "$3,000", "Yes" ] }, "excess_applies": true }, { "benefit": "luggage_total", "benefit_as_printed": "E1 Personal belongings", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Silver": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 }, "Gold": { "stated": "$8,000", "kind": "amount", "amount_aud": 8000 } }, "evidence": { "row": "E1 Personal belongings $2,000 $5,000 $8,000 Yes" }, "citation": { "quote": "E1 Personal belongings", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$2,000", "$5,000", "$8,000", "Yes" ] }, "excess_applies": true }, { "benefit": "and baggage personal electronics sub-limit", "benefit_as_printed": "and baggage personal electronics sub-limit", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$2,000", "kind": "amount", "amount_aud": 2000 }, "Gold": { "stated": "$3,000", "kind": "amount", "amount_aud": 3000 } }, "evidence": { "row": "personal electronics sub-limit Nil $2,000 $3,000" }, "citation": { "quote": "personal electronics sub-limit", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$2,000", "$3,000" ] } }, { "benefit": "valuables", "benefit_as_printed": "valuables", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Gold": { "stated": "$750", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "valuables Nil $500 $750" }, "citation": { "quote": "valuables", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$500", "$750" ] } }, { "benefit": "single article limit/pair or set", "benefit_as_printed": "single article limit/pair or set", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Silver": { "stated": "$500", "kind": "amount", "amount_aud": 500 }, "Gold": { "stated": "$750", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "single article limit/pair or set $500 $500 $750" }, "citation": { "quote": "single article limit/pair or set", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$500", "$500", "$750" ] } }, { "benefit": "luggage_delayed", "benefit_as_printed": "E3 Delayed baggage", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$250", "kind": "amount", "amount_aud": 250 }, "Gold": { "stated": "$500", "kind": "amount", "amount_aud": 500 } }, "evidence": { "row": "E3 Delayed baggage Nil $250 $500 No" }, "citation": { "quote": "E3 Delayed baggage", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$250", "$500", "No" ] }, "excess_applies": false }, { "benefit": "Including sub-limit for delays", "benefit_as_printed": "Including sub-limit for delays", "page": "lines 205-236", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$250", "kind": "amount", "amount_aud": 250 }, "Gold": { "stated": "$300", "kind": "amount", "amount_aud": 300 } }, "evidence": { "row": "Including sub-limit for delays Nil Nil $200" }, "citations": [ { "quote": "Including sub-limit for delays", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "$200" ] }, { "quote": "Including sub-limit for delays", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=6", "page": 6, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$250", "$300" ] } ] }, { "benefit": "E4 Passport and travel", "benefit_as_printed": "E4 Passport and travel", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "E4 Passport and travel Nil Nil Nil No" }, "citation": { "quote": "E4 Passport and travel", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil", "No" ] }, "excess_applies": false }, { "benefit": "cash", "benefit_as_printed": "E5 Money", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$250", "kind": "amount", "amount_aud": 250 }, "Gold": { "stated": "$500", "kind": "amount", "amount_aud": 500 } }, "evidence": { "row": "E5 Money Nil $250 $500 Yes" }, "citation": { "quote": "E5 Money", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$250", "$500", "Yes" ] }, "excess_applies": true }, { "benefit": "accidental_death", "benefit_as_printed": "F Accidental death and", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$15,000", "kind": "amount", "amount_aud": 15000 }, "Gold": { "stated": "$15,000", "kind": "amount", "amount_aud": 15000 } }, "evidence": { "row": "F Accidental death and Nil $15,000 $15,000 No" }, "citation": { "quote": "F Accidental death and", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$15,000", "$15,000", "No" ] }, "excess_applies": false }, { "benefit": "personal_liability", "benefit_as_printed": "G Personal liability", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "$1,500,000", "kind": "amount", "amount_aud": 1500000 }, "Silver": { "stated": "$1,500,000", "kind": "amount", "amount_aud": 1500000 }, "Gold": { "stated": "$1,500,000", "kind": "amount", "amount_aud": 1500000 } }, "evidence": { "row": "G Personal liability $1,500,000 $1,500,000 $1,500,000 Yes" }, "citation": { "quote": "G Personal liability", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "$1,500,000", "$1,500,000", "$1,500,000", "Yes" ] }, "excess_applies": true }, { "benefit": "H Legal expenses", "benefit_as_printed": "H Legal expenses", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "$25,000", "kind": "amount", "amount_aud": 25000 } }, "evidence": { "row": "H Legal expenses Nil Nil $25,000 Yes" }, "citation": { "quote": "H Legal expenses", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "$25,000", "Yes" ] }, "excess_applies": true }, { "benefit": "I Airline hijack", "benefit_as_printed": "I Airline hijack", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "I Airline hijack Nil Nil Nil No" }, "citation": { "quote": "I Airline hijack", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil", "No" ] }, "excess_applies": false }, { "benefit": "J Pet care", "benefit_as_printed": "J Pet care", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "J Pet care Nil Nil Nil No" }, "citation": { "quote": "J Pet care", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil", "No" ] }, "excess_applies": false }, { "benefit": "rental_vehicle_excess", "benefit_as_printed": "K Rental car excess waiver", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$4,000", "kind": "amount", "amount_aud": 4000 }, "Gold": { "stated": "$7,500", "kind": "amount", "amount_aud": 7500 } }, "evidence": { "row": "K Rental car excess waiver Nil $4,000 $7,500 No" }, "citation": { "quote": "K Rental car excess waiver", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$4,000", "$7,500", "No" ] }, "excess_applies": false }, { "benefit": "Return of rental car", "benefit_as_printed": "Return of rental car", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "$750", "kind": "amount", "amount_aud": 750 } }, "evidence": { "row": "Return of rental car Nil Nil $750" }, "citation": { "quote": "Return of rental car", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "$750" ] } }, { "benefit": "L Loss of income", "benefit_as_printed": "L Loss of income", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "L Loss of income Nil Nil Nil No" }, "citation": { "quote": "L Loss of income", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil", "No" ] }, "excess_applies": false }, { "benefit": "M1 COVID-19 Expenses", "benefit_as_printed": "M1 COVID-19 Expenses", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "$2,500", "kind": "amount", "amount_aud": 2500 }, "Gold": { "stated": "$5,000", "kind": "amount", "amount_aud": 5000 } }, "evidence": { "row": "M1 COVID-19 Expenses: Nil $2,500 $5,000 Yes" }, "citation": { "quote": "M1 COVID-19 Expenses:", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "$2,500", "$5,000", "Yes" ] }, "excess_applies": true }, { "benefit": "M2 COVID-19 Expenses: Medical", "benefit_as_printed": "M2 COVID-19 Expenses: Medical", "page": "lines 255-269", "limits": { "Bare Essentials": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Silver": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 }, "Gold": { "stated": "Nil", "kind": "no_cover", "amount_aud": 0 } }, "evidence": { "row": "M2 COVID-19 Expenses: Medical Nil Nil Nil No" }, "citation": { "quote": "M2 COVID-19 Expenses: Medical", "url": "https://www.insureandgo.com.au/sites/default/files/2026-01/IGO_ST_PDS_20260120.pdf#page=7", "page": 7, "document_sha256": "97f12a9979c9a038c2072ac40547baf0a33f14b8ce4f650730a3a2a2200f798b", "confirmed": "2026-11-05", "cells": [ "Nil", "Nil", "Nil", "No" ] }, "excess_applies": false } ] } ], "rows_withheld_for_review": [ { "page": "lines 146-186", "proposed_benefit": "D Travel delay expenses", "line": " D Travel delay expenses Nil Up to $50 per Up to $150 per No", "problems": [ "too few of the plan columns carry a value" ] }, { "page": "lines 146-186", "proposed_benefit": "E2 Additional specified", "line": " E2 Additional specified Nil Upgrade Upgrade Yes", "problems": [ "too few of the plan columns carry a value" ] }, { "page": "lines 205-236", "proposed_benefit": "D Travel delay expenses", "line": " D Travel delay expenses Nil Up to $50 per Up to $50 per No", "problems": [ "too few of the plan columns carry a value" ] }, { "page": "lines 205-236", "proposed_benefit": "E2 Additional specified", "line": " E2 Additional specified Nil Upgrade Upgrade Yes", "problems": [ "too few of the plan columns carry a value" ] } ], "how_it_was_read": "The PDS rendered with its page columns preserved, then the grid reconstructed: a column has to carry values on several rows to count as a column, plan names come from the header words over each column, and every row keeps the line it was read from. A row that could not be read confidently is in `review`, not in `benefits`." }