Insureandgo reviews would reveal a lot of things you need to know about Insureandgo insurance companies. This review would also reveal how to save on Insure And Go Promo code which are always available to help clients get the best deals on their insurance coverage. When selecting the right insurance coverage, it’s essential to do your research. Insureandgo reviews are a great way to understand better the services and products this leading insurance provider provides. In this expert guide, we’ll give an in-depth look at Insureandgo reviews, so you can make an informed decision about which coverage is best for you.3
What Is Insureandgo Travel Insurance?
Insureandgo is a leading travel insurance provider that offers a wide range of insurance products designed to cater to the diverse needs of travelers. Founded in the UK in 2000, Insureandgo has quickly become one of the world’s most popular travel insurance providers, operating in over 12 countries, including Australia.
Insureandgo’s travel insurance policies cover medical expenses, trip cancellations, personal accidents, baggage loss, etc. The company prides itself on flexibility, offering customizable policies to meet each traveler’s needs.
Whether you’re a solo backpacker or a family on a luxury vacation, Insureandgo has a travel insurance policy that suits your needs. From single-trip to annual multi-trip insurance, Insureandgo provides comprehensive coverage options to ensure you can travel with peace of mind.
What Does Insureandgo Insurance Cover?
Insureandgo offers a range of travel insurance options, and each policy provides different levels of coverage. Some of the things that Insureandgo insurance covers include:
If you get sick or injured while traveling, Insureandgo insurance can help cover the cost of medical treatment. Depending on your chosen policy, this coverage can include emergency medical treatment, hospitalization, and repatriation back to your home country.
Here are the general areas Insureandgo cover:
1. Trip cancellations and interruptions
Insureandgo insurance can help you recoup some or all of your travel costs if your trip is canceled or interrupted for a covered reason. Covered reasons include illness, injury, or a family emergency. It covers up to 10,000 euros in cancellation cover.
2. Lost or stolen luggage
If your luggage is lost or stolen while traveling, Insureandgo insurance can help reimburse you for replacing your belongings. This coverage can include things like clothes, electronics, and other personal items. It offers up to 3,000 euros for personal belongings and baggage cover.
3. Travel delays and abandonment
Suppose your travel is delayed for a covered reason, such as bad weather or mechanical issues with your transportation. In that case, Insureandgo insurance can help cover the additional expenses you incur.
4. Sports and activities cover
Insureandgo covers over ten sports and activities. For additional games, you have to buy an optional add-on.
5. Legal expense cover
Suppose you accidentally cause damage or harm to another person while traveling. In that case, Insureandgo insurance can help cover the cost of any legal fees or compensation you might need to pay. It covers up to 60,000 euros in legal expense cover.
It’s essential to read the fine print of any travel insurance policy before you buy it to ensure you’re comfortable with the level of coverage provided. Additionally, Insureandgo offers optional extras to add to your policy to customize your coverage, such as coverage for winter sports or pre-existing medical conditions. However, the silver, Black, and Gold policies cover pre-existing medical conditions.
What Does Insureandgo Exclude?
Like any other travel insurance provider, Insureandgo also has specific exclusions you must know before making a claim. Some of the general exclusions include:
- Pre-existing medical conditions: the Budget policy doesn’t cover pre-existing medical conditions; only the Black, Gold, and Silver package do.
- Alcohol and drug-related incidents: If your claim is related to any drug or alcohol abuse, it will not be covered under the policy.
- Adventure sports and activities: If you plan to participate in adventure sports like bungee jumping, skydiving, or skiing, you may need to take out an additional policy to cover these activities.
- Acts of terrorism: If your trip is canceled or delayed due to an act of terrorism, it will not be covered under the policy.
- Travel to high-risk countries: If you travel to a country deemed high-risk by the Australian government, you may not be covered under the policy.
It is essential to carefully read the policy’s exclusions section before purchasing it to understand what is covered and what is not. If you are unsure about any exclusions, it is best to contact the Insureandgo customer service team to get clarification.
The Pros and Cons of Insureandgo
Here are the main advantages and disadvantages of Insureandgo travel insurance Australia:
Pros
- Comprehensive coverage: Insureandgo offers a wide range of coverages, including emergency medical and dental expenses, trip cancellations and interruptions, luggage and personal effects, rental car excess, and more.
- Affordable pricing: nsureandgo’s premiums are often cheaper than some competitors, especially for budget-conscious travelers. It offers value for its price.
- No age limit: Unlike many travel insurance providers, Insureandgo has no policy age limit. This means seniors can still get coverage without worrying about being turned down due to age. However, some cover options may not be available for people of all ages, such as winter sports cover, whose age limit is 65 years. Children under 18 can be covered as long as an adult’s name is on the policy
- 24/7 customer service: Insureandgo’s team is available around the clock to assist with any queries or claims. They offer a 24/7 emergency medical helpline.
Cons
- Limited coverage for pre-existing conditions: Insureandgo only covers certain pre-existing medical conditions, and travelers must declare them during application. Any conditions not disclosed may result in a claim being denied.
- Limited sports and activities coverage: If you plan on participating in extreme sports or activities, such as bungee jumping or snowboarding, you may not be fully covered under an Insureandgo policy. Be sure to check the exclusions and restrictions before purchasing.
- Limited coverage for specific destinations: Insureandgo may not cover travel to countries or regions deemed high-risk by the Australian government, such as parts of Africa and the Middle East.
Why Choose Insureandgo For Your Next Travel Insurance?
There are many reasons why you should choose Insureandgo travel insurance. One of the reasons is that the InsureandGo policy covers you regardless of age. Both the single-trip and annual multi-trip policy covers individuals between 18 and 118. This makes this policy very suitable for older people.
Also, InsureandGo covers over 100 adventure activities and sports. This allows you to enjoy yourself more during your holiday, knowing that any injury or illness you get from participating in any sport or adventure activity is covered. However, if you want to go for more extreme sports like rock climbing and quad biking, you must get an extreme sport policy add-on.
Additionally, InsureandGo considers all diagnosed pre-existing medical conditions and helps you get a policy that meets your needs. However, this does not mean that it covers all pre-existing medical conditions.
Other reasons include:
- 24/7 emergency medical assistance
- Unlimited medical emergency expenses
- Up to £10K cancellation cover
What Are The Optional Extras You Can Add To Your Insureandgo Policy?
You can add free optional extras to your policy to suit your need during your trip. These optional extras attract an additional premium. These optional extras include a natural disaster cover, business cover, winter sports cover, and golf cover.
If you are buying an extra-on, go through the PDS to get details about the limits on cover amounts and general exclusions.
How To Make A Claim At Insureandgo Travel Insurance?
To claim InsureandGo, register it within 30 days of returning home. Ensure to submit all relevant documentation that supports your claims, such as invoices from hospitals and doctors and receipts for valuables. Your claims must be appropriately made in the English language.
Contact InsureandGo at 02 9333 3901, email them at info@insureandgo.com.au, or go to their InsureandGo’s online claims portal to access the claims forms or have any inquiries about the claim process.
Is It Possible To Cancel My Insureandgo Travel Insurance Policy?
Yes, it is possible to cancel your Insureandgo travel insurance policy, and you must do within 14 days of purchasing it, and your trip hasn’t yet commenced. After canceling your policy, InsureandGo will refund you the full premium you paid. Contact InsureandGo at 02 9333 3902 or info@insureandgo.com.au to cancel the policy.
What Do I Do If There’s An Emergency During My Trip?
If you encounter an emergency during your overseas trip, you can immediately call InsureandGo on their 24/7 emergency assistance line at +61 2 9333 3999. InsureandGo’s support team can help you with emergencies such as evacuation and finding medical facilities.
What are the Features of the InsureandGo Travel Insurance Policy
- Offers international and domestic travel options
- Offers unlimited overseas medical expenses coverage while on holiday;
- Offers numerous excess options to help customize your policy;
- It provides three levels of cover to choose from.
- It considers all pre-existing medical conditions but does not mean it covers them all.
Insureandgo Promo Codes
Insureandgo offers 10% off your travel insurance cost. To redeem it, enter the code “Offer10” when buying online. Also, you can call it over the phone when booking a policy with a service team.
To get the code, follow insureandgo on Facebook to get updated with travel tips and trends.
Conclusion
Overall, Insureandgo offers comprehensive coverage at an affordable price. However, it’s essential to carefully review the policy limitations and exclusions to ensure it’s the right fit for your specific travel needs.