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InsureandGo Gold review

InsureandGo Gold travel

CHOICE Expert Rating

62%
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Bad Points

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Recommended products

Recommended
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Scores

CHOICE Expert Rating (%)
62%
Cover score (%)
65%
Price score
56%
Medical cover score
79%
Cancellation cover score
33%
Additional expense cover score
81%
Baggage cover score
57%

Description

Policy type
One trip
Provider
Mitsui Sumitomo

Conditions

Policy age limit
100
Dependant age limit
17

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
12 months

Pregnancy

Pregnancy
Pregnancy stage covered
30
Childbirth costs

Medical

Medical expenses
Unlimited
Expenses for a person to accompany a sick policyholder
Unlimited
Daily hospital cash allowance
$75.00
Hours of hospitalisation before you receive the daily hospital cash allowance
24
Dental expenses for accident or injury
$500.00
Dental expenses for acute pain
$500.00
Overseas funeral costs
$50,000.00

Additional expenses

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

Cancellation

Cancellation covered
Cancellation expenses
Unlimited
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
Unlimited
Cancellation for insolvency of a travel agent
Cancellation for insolvency of a travel services provider
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Baggage

Baggage cover
Baggage expenses
$15,000.00
Item limit
$750.00
Camera limit
$3,000.00
Laptop or tablet limit
$3,000.00
Smartphone limit
$3,000.00
Prescribed medications
$750.00
Baggage in a car during the day
$500.00
Baggage in a car overnight
$500.00
Valuables in a car
$0.00
Lost or stolen cash
$500.00
Baggage lost temporarily
$750.00
Hours before cover applies for baggage lost temporarily
8

Special event

Additional expenses for a special event
Unlimited
Additional expenses for pre-paid travel arrangements
Unlimited

Travel delay

Travel delay expenses
$3,000.00
Hours before travel delay covered
12
Limit per 24 hours for travel delay
$300.00

Car rental

Rental car excess
Limit for rental car excess
$8,000.00

Activities

Mopeds and motorcycles
1
Snow sports
  • Optional cover for snow sports on-piste and off-piste
Scuba diving
1
Abseiling
Bungee jumping
Hang gliding
High altitude hiking
Horse riding
Hot air ballooning
Kayaking
Paragliding
Tandem skydiving
White water rafting

Covered events

Transport incidents
  • Excludes cancellation expenses for mechanical breakdowns and transport accidents
  • Includes additional expenses for transport accidents and mechanical breakdowns
Mental health
Yes (includes claims for mental health conditions experienced for the first time on the trip)
COVID-19
  • Includes medical and 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
  • Includes medical expenses for natural disaster
  • Optional cover for cancellation and additional expenses for natural disaster
Civil unrest
  • Excludes cancellation expenses for civil unrest
  • Includes medical and additional expenses
Terrorism
  • Excludes cancellation and additional expenses for terrorism
  • Includes medical expenses
War

Cover summary

Medical expenses
Unlimited
Cancellation
Yes Unlimited
Baggage
Yes 15000
Cruises
Optional

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