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InsureandGo Gold Domestic review

One trip policy. Insurance provider: Mitsui Sumitomo

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CHOICE Expert Rating (%)
Members only
Cover score (%)
Members only
Price score
Members only
Cancellation cover score
Members only
Additional expense cover score
Members only
Baggage cover score
Members only

Description

Policy type
One trip
Provider
Mitsui Sumitomo

Conditions

Policy age limit
100
Dependant age limit
15

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
60 months

Pregnancy

Pregnancy
Pregnancy stage covered
30
Childbirth costs

Additional expenses

Additional travel expenses for injury or sickness
$25,000.00
Additional expenses for interrupted travel
$10,000.00
Travel insurance extension for a delayed trip
Additional expenses for a lost passport
Additional expenses for resumption of journey interrupted for a relative
$3,000.00

Cancellation

Cancellation covered
Cancellation expenses
$50,000.00
Cancellation for frequent flyer points
Cancellation expenses for travel agent fees
$1,500.00
Cancellation for insolvency of a travel services provider
Cancellation for insolvency of a travel agent
Cancellation expenses for redundancy
Cancellation expenses for defence and emergency workers
Cancellation expenses for cancellation of work leave

Baggage

Baggage cover
Baggage expenses
$7,500.00
Item limit
$750.00
Camera limit
$750.00
Laptop or tablet limit
$3,000.00
Smartphone limit
$3,000.00
Prescribed medications
$750.00
Specified items
$8,000.00
Baggage in a car during the day
$500.00
Baggage in a car overnight
$500.00
Valuables in a car
$750.00
Lost or stolen cash
$300.00
Baggage lost temporarily
$400.00
Hours before cover applies for baggage lost temporarily
12

Special event

Additional expenses for a special event
$0.00
Additional expenses for pre-paid travel arrangements
$0.00

Travel delay

Limit for travel delay expenses
$1,500.00
Hours before travel delay covered
12
Limit per 24 hours for travel delay
$100.00

Car rental

Rental car excess
Limit for rental car excess
$4,000.00

Activities

Mopeds and motorcycles
Not Covered
Snow sports
  • Optional cover for snow sports on-piste and off-piste
Scuba diving
Abseiling
Bungee jumping
Hang gliding
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
  • Excludes 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
  • Optional cover for cancellation and additional expenses for natural disaster
Civil unrest
Not covered
Terrorism
Not covered

Cover summary

Cancellation
Yes 50000
Baggage
Yes 7500

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Jodi Bird

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has over 30 years experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE's Australian Financial Services License.

Jodi Bird is the Managing Financial Content Editor at CHOICE. Previously at CHOICE, he worked as Travel project lead and as a Finance specialist. Jodi has over 30 years experience in financial services, having worked with major banks such as CBA, Westpac and Credit Suisse. He enjoys breaking down complex consumer decisions into easy to understand steps and holding companies to account for failing their customers. He is regularly called upon for expert commentary by major broadcasters such as the ABC, SBS, and Channels 7, 9, and 10. Jodi has a Bachelor of Commerce majoring in Economics from the University of Wollongong. He is RG146 compliance certified to provide general advice for General Insurance and is a Responsible Manager on CHOICE's Australian Financial Services License.