Insure & Go Travel Insurance Review

After being a loyal customer for 4 years, countless trips and not a single claim - I finally needed to make a claim. I had always purchased the Gold plan, so felt comfortable with my claim because it includes lost items. <br/><br/>On a flight back from the US, and in my tired state, I left my laptop in the seatback pocket. Of course, the airline couldn't find it, so I had no choice but to make a claim as I need the laptop to run my own business.<br/><br/>I completed the online claim form to start the process but the claim process isn't simple. Firstly, I had to submit a 'Repair report' before I submitted my claim, which was a challenge because I couldn't send my lost laptop to be repaired.... because it was lost!<br/><br/>After my claim was submitted I had to wait 10 business days. During that time, I received no update. After I emailed to ask for an update I was told the claim would be processed within 5 days (that's 13 business days not 10). I thought great! <br/><br/>5 days later I received an emailing saying my claim had been.... rejected. The response went into great detail about why it wasn't approved. So, the claims team had spent 13 business days scouring through the conditions of the policy to see where I couldn't be covered. All for a claim that was under $2,000.<br/><br/>The lesson? It would have been better to save the money I had spent on travel insurance to pay for a replacement laptop. I shudder to think of what would happen if I had an emergency or a high dollar-value claim. Good luck with that!<br/><br/>I could have lodged an appeal but the reality is they wouldn't have changed their decision and it would only have been a further waste of my time. <br/><br/>If I do get a response from InsureAndGo, they will likely send a standard response about how they go to great lengths to explain the conditions of the insurance (Note: Not sure about the 'great lengths' part as they simply sent me a link to their PDS). The reality is the things they say you're covered for... probably aren't covered, or they will go to great lengths to find reasons for why your claim won't be paid. <br/><br/>I'll be looking for a different travel insurance provider as InsureAndGo has made me 'InsureAndStop'. I'd encourage you to do the same!

My partner and I have used InsureandGo for 3 overseas trips so far and have had nil issues. I was able to make 1 claim after cracking my brand-new phone while hiking in Sri Lanka. The claims process and support was superb!

I have gotten travel insurance quotes from other insurers which have been much higher and not really competitive. I particularly like the health screening section which asks highly relevant questions and sends a message that if a condition has been properly treated, you are not necessarily going to be penalised for it.

It is a great travel insurance, really value of money, so easy to claim, and nice customer service all the time during the claim!

InsureandGo were the only insurer who would give me the cover enabling me to travel in my retirement. I have preexisting conditions but i am healthy and probably less of a risk than most people my age but no other insurer would even look at me. It was costly in comparison but they are taking a risk but they are giving me a go...I give them 100% rating as a company that is honest and understanding. Thankyou.

Unable to go back and check details on the website once you get an emailed quote. Makes it hard if not everything is done in one go ~ quotes are valid for 30 days but who can remember exact details and I wanted to double check but could not do so.

My query about cruise insurance was answered in a polite, professional and friendly manner by the operator and I fully understood what he told me.

Thankfully we have not had to put in a claim for insurance. We have always used Insurandgo for our cruise insurance for value for money. We like the fact we can either increase our excess to reduce the premimum or remove the excess if we see fit.

On line application is simple, quick and all fine print information is available to read through first<br/><br/>There are 3 levels of cover to choose from and exclusions are clear

I will definitely use this insurance again, it was quick to access and easy to follow the instructions.<br/>The price and value for money was excellent <br/>Thank you

So pleased to find an insurer that is up to date with the 21st century reality of HIV, that does not impose a financial penalty on people with HIV who have achieved an undetectable viral load.

Organizing a new policy was quick and easy and while I hope we never have the need to put in a claim, it was reassuring to read good reviews from people who had.