InsureandGo Australia Questions & Answers (page 4 of 14)

Hi John,

Good question. The best place to get the correct information about every aspect of our policy is the PDS. You can see our PDS documents here: https://www.insureandgo.com.au/policy-wordings.jsp

There are multiple sections of cover that apply to airfares. For example, you would be reimbursed for airfares if you need to cancel your trip before departing (due to illness, injury, or other circumstances, see PDS), unless the airline is the one responsible for the cancellation. This is just one example, so I would definitely recommend you read the PDS relevant to your travels.

I hope this helps.

Thanks, Anna

Hi there, thanks for reaching out. Unfortunately, I don't know why there would be a price difference in this case. The only situation I know of that would cause this is if, when getting a quote for 3 weeks, you had a discount coupon applied, but when getting a quote for 2 weeks, the discount code wasn't applied. I hope this helps. Thanks, Anna

Hi there, good question.

If the country you are travelling to doesn't require a license in order to ride a bike/scooter that's under 50cc, then you are correct - you would be covered for riding a bike/scooter up to 50cc only without needing a driving license. I would advise that you double check, to ensure that this is definitely the situation in Vietnam, for your peace of mind.

You're also right about the necessity of a helmet - to be covered, you must wear a helmet regardless of local laws and irrespective of whether you're driving, or you're the passenger.

I hope this helped. Thanks, Anna

Hi Vik, good question, thanks for getting in touch.

The cover provided by your Winter Sports add-on can be found in the below PDS:
https://www.insureandgo.com.au/images/ig-ms-pw-ot_tcm1005-157834.pdf

Specifically, you will find winter sports information on Section O (Page 37-40) and Page 46.

Generally speaking, the above pages detail the following sections of the add-on cover: winter sports equipment, winter sports equipment hire, lift pass, ski pack, piste closure, avalanche cover.

Medically, the add-on provides unlimited overseas medical expenses for a range of skiing and snowboarding activities, including normal recreational skiing and snowboarding, cross-country skiing, glacier skiing, recreational ice hockey, ice skating, snowmobiling, and tobogganing. So if you are injured doing any of the above, you are covered.

I hope this helps.

Thanks, Anna

Hi Diana, thanks for getting in touch.

Firstly, I would advise you to take our a cruise policy if you will be travelling on a commercial cruise, and want cruise specific benefits such as missed port cover, cabin confinement, reimbursements for shore excursions that are cancelled/interrupted by the cruise liner, and others. You can still opt for an annual multi trip policy, but this policy type doesn't include these cruise specific benefits.

Regarding getting a quote, unfortunately, there are too many other variables for me to be able to give you a price, and I'm not qualified to give you an accurate quote. However, you can quickly and easily get a quote online by going to https://www.insureandgo.com.au/ Alternatively, you can call our Sydney team on 1300 401 177 for a quote.

I hope this helps. Thanks, Anna

Hi Maureen, we consider all pre-existing medical conditions, but there are some conditions which we will not be able to provide cover for. You can quickly and easily find out if your conditions are covered by getting a quote online or over the phone. If you go to www.insureandgo.com.au you have an opportunity near the end of the journey to declare your medical conditions using a simple search, and you will instantly see if we can provide coverage. Alternatively, you can call our Sydney call centre on 1300 401 177, and our staff would be happy to help. Thanks, Anna

Hi Kumala, great question. I would definitely recommend adding the age as "0" years. Let me know if I can help with anything else. Thanks, Anna

Hi Mary-Anne, thanks for reaching out.

We offer a cruise specific policy that has coverage more specific to cruise needs (missed port, cabin confinement and more). You can learn more at: https://www.insureandgo.com.au/travel-insurance/cruise-travel-insurance.jsp

Our annual multi trip policy, however, doesn't provide cover for commercial cruises. We define a commercial cruise as: any travel on sea, ocean or river by any commercially operated ship, boat or other sea vessel with scheduled journey time longer than 2 hours.

I hope this helps.

Thanks, Anna

Hi Gail, thanks for reaching out.

I can confirm that proof of purchase, in the form of a receipt, should be provided as part of any claim to establish ownership of the items your claiming for. In some extenuating circumstances, our claims team may consider proof of purchase in the form of credit/debit card statements to show purchases, but this cannot be guaranteed.

Thanks, Anna

Hi Peter, good question. I hope the below helps.

We cover all motorcycles, but if you're planning to ride a motorcycle as part of your travel, the excess you pay in the event of a claim changes depending on the engine displacement/capacity (the cc). If you are riding a motorbike that is under 125cc, you will pay an excess of $250, and if the motorcycle is over 125cc, you will pay an excess of $500.

Please also note that in order to be covered, you must wear a crash helmet, irrespective of the law in the country you are in, and whether you are the rider or the passenger. And if you are the rider, you must hold a driving licence appropriate for the country you are in. Further, if you are riding a motorcycle rated 125cc or higher, you must hold a current and valid license required for riding an equivalent rated motorcycle in Australia.

Thanks, Anna

My pleasure Peter, enjoy your travels! Thanks, Anna

Hi Victor, I apologise for the confusion, but I can confirm that you are in fact covered for any condition that has been declared and accepted, regardless of the exclusion your mentioned. This caveat can be seen in the point directly above the passage you quoted: "This is unless you have told InsureandGo Travel Insurance about your condition and we have accepted it."

Therefore, in your situation, as long as you declared your heart related issue from 2016, and it was accepted by the system, (which it sounds like it was, as you didn't receive a warning message when trying to declare it, and your premium increased to cover it) the exclusion you quoted does not apply. You would be covered for this particular condition.

The exclusion you quoted applies only to people who don't declare their medical conditions or those that have medical conditions that cannot be covered. So it does not apply to you, since you declared your condition and it was accepted, so you're covered.

I hope this helps. Thanks, Anna.

No worries Victor, I'm glad I could help.

Enjoy your travels!

Thanks, Anna

Hi Ken, good question. The answer depends on when you booked your trip.

Unfortunately, we don't provide cover for strikes or industrial action of any type, except for those which were not a known event (i.e. they weren't public knowledge) when you booked your trip. As far as we are concerned, the Jetstar strikes became a known event on 8:00pm on 6th December - see our travel alert on the subject by going here: https://www.insureandgo.com.au/travel-alerts/jetstar-strike.jsp . So if you booked your trip after this time, you will not be covered for the Jetstar strikes.

I hope this helps.

Thanks, Anna

Hi George, thanks for getting in touch. Unfortunately, we don't provide cover for strikes or industrial action of any type, except for those which were not public knowledge when you booked your trip. I hope this helps. Thanks, Anna

Hi Steven, thank you for your enquiry. I think it's best to give us a call on 1300 401 177 to be able to assist with your policy and any questions you might have.

Regards,

Anna

Hi there, thanks for reaching out.

Regarding cover for a reconsider your need to travel destination: we would still cover you for travel to Bolivia under the current status reconsider your need to travel, but please monitor the situation closely. Only if the warning escalates to do not travel then you will be covered to cancel your trip. However you will not be covered if you still decide to travel after the status changes.

Thanks, Anna

Hi Penny, thank you for getting in touch and raising this.

We recently made a change to the website, which went live yesterday, and what you are seeing there is an error. I can confirm that if you're travelling internationally, our rental car excess waiver cover on Gold policy is $8,000. If you're travelling domestically, our Gold policy offers $7,500 coverage for the vehicle rental excess. I hope this clarifies things, and we will endeavor to get the website fixed up as soon as possible.

Thanks, Anna

Hi DonnyDo, thanks for reaching out.

Yes, we do sometimes run campaigns where we will provide a discount, although the offer will vary, and discount campaigns run at different times and across different channels.

Regarding cancellation cover: it is available on Silver and Gold policies only, so purchasing a Bare Essentials would mean you are not covered for cancellation. Furthermore, as with any insurance product, there are also conditions that apply to the cover. For example, you will not be covered for cancellation due to: changing your mind, if you could not travel due to failure to obtain a passport or visa, or if you failed to check in according to your itinerary. This list is by no means exhaustive - there are other conditions and exclusions you should definitely be aware of. I strongly advise you to familiarise yourself with any and all situations where cancellation cover does not apply: please see Section A (page 19-20) of the PDS, which you can review here: https://www.insureandgo.com.au/images/ig-ms-pw-ot_tcm1005-157834.pdf. I hope this helps.

Thanks, Anna

Hi Cheryl, good question.

You are able to buy your policy now and I recommend that you purchase your policy soon, so that you can take advantage of trip cancellation coverage. This provides you with cover if you need to cancel your trip between the time you buy a policy with us, and the day you depart (please note cancellation coverage only applies on Silver and Gold Cruise policies not to Bare Essentials). I hope this helps.

Thanks, Anna

Hi Nea, great question.

If you are renting a car, the cover we provide is an excess waiver. This means that if you have purchased a policy that provides this cover, and you have an accident in your hire car, the hire car company will charge you an excess.

They may charge you an excess if the car is damaged, and I cannot comment on what they would charge if it is stolen.

The cover provided as part of our policies is to pay towards this excess payment. On Silver and Gold policies, this means that if your car rental company charges you an excess, we will pay up to $4,000 of that excess.

I hope this helps. Thanks, Anna