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InsureandGo Gold Domestic review

InsureandGo Gold Domestic travel

CHOICE Expert Rating

47%
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Good Points

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Bad points

Bad Points

No bad points available.

Recommended products

Recommended
Not recommended

Scores

CHOICE Expert Rating (%)
47%
Cover score (%)
41%
Price score
56%
Cancellation cover score
33%
Additional expense cover score
50%
Baggage cover score
45%

Description

Policy type
One trip
Provider
Mitsui Sumitomo

Conditions

Policy age limit
100
Dependant age limit
15

Annual multi-trip

Annual travel duration
N/A

Pre-existing conditions

Pre-existing conditions covered without application
Pre-existing conditions covered on application
Time period for existing conditions
60 months

Pregnancy

Pregnancy
Pregnancy stage covered
30
Childbirth costs

Additional expenses

Additional travel expenses for injury or sickness
$25,000.00
Additional expenses for interrupted travel
$10,000.00
Travel insurance extension for a delayed trip
Additional expenses for a lost passport
Additional expenses for resumption of journey interrupted for a relative
$3,000.00

Cancellation

Cancellation covered
Cancellation expenses
$50,000.00
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
$1,500.00
Cancellation for insolvency of a travel services provider
Cancellation for insolvency of a travel agent
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Covered events

Transport incidents
  • Excludes cancellation expenses for mechanical breakdowns and transport accidents
  • Includes additional expenses for transport accidents and mechanical breakdowns
Strikes
Mental health
Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19
  • Excludes additional expenses for COVID-19
  • Cancellation expenses up to $5000 if the policy holder or a close relative contracts COVID-19
Pandemic
No (excludes claims for pandemics other than COVID-19)
Natural disaster
  • Optional cover for cancellation and additional expenses for natural disaster
Civil unrest
Terrorism

Special event

Additional expenses for a special event
$0.00
Additional expenses for pre-paid travel arrangements
$0.00

Travel delay

Limit for travel delay expenses
$1,500.00
Hours before travel delay covered
12
Limit per 24 hours for travel delay
$100.00

Baggage

Baggage cover
Baggage expenses
$7,500.00
Item limit
$750.00
Camera limit
$750.00
Laptop or tablet limit
$3,000.00
Smartphone limit
$3,000.00
Prescribed medications
$750.00
Specified items
$8,000.00
Baggage in a car during the day
$500.00
Baggage in a car overnight
$500.00
Valuables in a car
$750.00
Lost or stolen cash
$300.00
Baggage lost temporarily
$400.00
Hours before cover applies for baggage lost temporarily
12

Car rental

Rental car excess
Limit for rental car excess
$4,000.00

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