Insure & Go Travel Insurance Review

My husband and I both have pre existing medical conditions and have never been refused coverage with Insure and Go for all our conditions. I had to claim due to Covid related cancellations and all my travel expenses were covered and I even had an option to put the insurance policy into credit to use at later date as we were able to put all our travel plans on hold until we could travel again. Very easy to deal with , great customer service. I always feel confident in my travel insurance when covered with insure and GO. Highly recommend.

It was relatively easy to navigate the site, but the technical difficulties on the Insurer's side lessened the overall experience. <br/>I was also unable to edit the medical conditions before making the payment, so had to start the quote virtually from the beginning. The policy otherwise is a really good value for money, compared to others.

Unfortunately, my husband developed serious medical issues during the last 3 years. Both are now under control.....but naturally the insurance premium will be high. However, INSURE & GO are one of the few companies who will insure despite these issues. I want to be truthful and NOT take any chances. The premium is high, but peace of mind & protection are more important :)))

Very simple with heaps of details.Best price and very easy to buy online. I have Already recommended this insurance to two friends

Hopeless customer service and very hard to deal with. I was using another insurance company before and they were brilliant to deal with. I made a mistake when decided to try Insure and go for my last trip due to low price. Stay away from them please! Better to pay more and get a proper service.

we have insured our next trip with insureandGo, using their specific time limited cover, which we have used once for europe early in 2022( no claim) and once in Australia (mid 2022), where we had a Covid interruption and claim. because the claims response was well handled, albeit limited under the policy, we have renewed for our next trip early next year.

They are so good in every way that I have stopped comparing them with other companies offering travel insurance and simply "GoandInsure" with them.

I have submitted two genuine claims this year and both have been denied for silly reasons. Despite my circumstances falling within the policy wording, my claim was denied. I contacted AFCA, who agreed that my claim is valid and within the policy wording however Mitsui Sumitomo (the underwriter) still denied my claim.<br/>I guess they need to make their money somehow, but my scamming customers and not paying genuine claims; it an appalling business practise.

Travelled from Dulles to Jacksonville.<br/>Backpack mandated by airline as checked baggage.<br/>Never saw it again.<br/>Spent weeks on the phone to airline (United), no luck.<br/>Spent months claiming with InsureAndGo. No luck<br/>GOLD policy.<br/>AFCA investigating, now 6 months. Keep away from them !!!!!!!

Took out a Gold policy under the family category for 4 of us. The excess said $200, I assumed this was for a claim made on behalf of my family. <br/><br/>We had all sorts go wrong on our trip, the usual crappy Jetstar cancelling and amending flights all over the place, paying hundreds of dollars on accomodation when we weren't even at our destination due to cancelled flights. Numerous extra airports to transit, numerous added expenses for meals, drinks, taxi's etc. <br/><br/>When I enquired into making a claim I was told that the $200 excess is charged for EACH PERSON for EACH and every INCIDENT. No where does it say this under the terms on the page when you are booking and selecting your excess selection. How convenient. <br/><br/>For us to claim for 4 seperate incidents throughout our New Zealand holiday, we would be up for $3200 in excess fees to cover around $800 in additional expenses/claims. I sent an email to them several weeks ago advising that they need to change their website to clearly show that the excess relates to each person and each claim. Nothing has changed of course, especially when it works in their favour when people change their mind about making a claim after discovering this con. Non transparent robbing scammers!

I have insured with Insure & Go several times. It's very easy to take out a policy and very cost competitive, BUT trying to get a claim paid is another matter. I took out a domestic policy specifically as it highlighted COVID cover. Unfortunately, my husband caught COVID on the way to Perth by train, so we were immediately locked in our hotel room for 7 days, unable to take any tours we had booked, thus missing our holiday entirely. I rang Insure & Go and was told we had a valid claim. I then commenced the arduous task of completing forms, uploading documents, speaking with many different staff. Because we had prepaid our accommodation, their argument was that we weren't out of pocket. Of course we were - being locked in a hotel room is not a holiday - we had to pay for another 7 nights accommodation elsewhere to get a holiday later. They also wouldn't pay airline charges for changing flight dates either, as Insure & Go doesn't cover losses if a travel company cancels a tour due to government policies - in our case, the COVID lockdown in Western Australia..... even though Insure & Go specifically advertised we were "covered for COVID". There are so many exclusions in their policies, I would definitely not recommend them. After 9 hours of work over a three month period, my claim was rejected. Also, a few years ago I insured with them for a trip to India - that time, again after many hours preparing my claim for $1,500, it was rejected due to a clause stating that a domestic flight has to be more than 24 hours late (!!) before the claim is valid. (Our domestic Indian flight was three hours late, thereby missing our connecting flight to join a tour, so in that case we were definitely out of pocket. I would think a 5 star rating should only be given if you have had a claim paid fairly, not just that the policy was easy to take out and the staff are friendly. With so many loopholes in the policy, I couldn't possibly recommend this to anyone.

Great value but does not cover much. Remember to read the fine print! Had to wait over 2 weeks when submitting a claim only to be declined! Made me look for receipts and stuff for a whole day and wasted my time. If I knew there were so many clauses... wouldn't get it! Also took time to write a dispute but same result.. what a joke!