Travel insurance can help protect you against unexpected events before and during your trip — including cancellation costs, overseas medical expenses, lost or stolen luggage, travel delays and other unforeseen disruptions.

The exact cover you have depends on the plan you choose, any cover modules you keep or remove, and any optional covers you add. Limits, conditions and exclusions apply, so it’s worth choosing cover that suits your travel plans.

Learn more: how Go Insurance works · the PDS.

Yes — Go Insurance is designed to be tailored to your trip and your budget.

When you get a quote you can remove whole modules of cover you don’t need — Cancellation & Curtailment, Property (luggage, belongings and money), Disruption (travel delays, missed connections, insolvency and more) and Legal (legal expenses and rental vehicle excess) — which lowers your premium. The key thing to know is that removing a module removes every benefit inside it, so only drop cover you’re confident you won’t need.

Overseas Medical Expenses, Personal Liability and COVID-19 cover are always included and can’t be removed.

Learn more: how Go Insurance works · the PDS.

The best time to buy travel insurance is as soon as you’ve booked and paid for any part of your trip.

Buying early may allow you to access cancellation benefits for certain unexpected events that occur before you depart. Waiting until just before you travel may reduce the protection available for your prepaid travel expenses.

Learn more: how Go Insurance works · the PDS.

Yes. Many travellers purchase travel insurance after they’ve booked flights, accommodation, cruises or tours.

However, purchasing earlier can provide greater protection if something unexpected happens before departure. If you’ve already booked your trip, it’s usually not too late to arrange cover.

Learn more: how Go Insurance works · the PDS.

Eligibility depends on the policy you choose and your individual circumstances.

Go Insurance is available to permanent Australian residents, and to people who have lived in Australia for at least the past three months. Cover is available online for travellers up to age 75 at the time of travel, and some travellers who are already overseas may also be eligible. We may still be able to cover you if you are over 75 — please contact our team, or your travel agent or insurance broker, to find out more.

Learn more: contact our team · the PDS.

Yes. Go Insurance offers cover for eligible travellers who are already overseas at the time they purchase a policy.

A waiting period and other eligibility requirements apply (and the cooling-off period may not apply), so it’s important to understand how cover works before purchasing. You’ll also need a confirmed return ticket to Australia. If you’re already travelling and need advice, our team can help explain your options.

Learn more: already-overseas travel insurance · the PDS.

Yes. Our Annual Multi-Trip (AMT) policy covers an unlimited number of trips over 12 months, so frequent travellers don’t need to buy a new policy each time they go away.

Each trip is automatically covered for up to 31 days, and you can extend the maximum trip length to 50 or 60 days when you buy. AMT also includes 30 days of snow sports cover, and the standard $200 excess applies. Domestic trips count when you travel at least 150 km from home and have at least one night of pre-booked accommodation.

Learn more: how Go Insurance works · the PDS.

In many cases, yes. If your travel plans change and your current policy has not expired, you may be able to apply for an extension.

Extensions are subject to eligibility requirements and approval. It’s important to contact us before your policy expires, as we generally cannot extend a policy that has already lapsed.

Learn more: contact our team · the PDS.

An excess is the amount you contribute towards an eligible claim. The standard excess is $200 per person and applies to most — but not all — policy sections.

On a single-trip policy you can adjust your excess when you buy, anywhere from $0 to $300 — reducing it increases your premium, while increasing it earns a discount. On Annual Multi-Trip policies the $200 excess is fixed and can’t be changed. Your chosen excess is shown on your Certificate of Insurance and applies once to each claim arising from a separate incident.

Learn more: the PDS.

In many cases, yes. Depending on your circumstances, you may be able to make changes such as updating your travel dates, destinations or cover options.

Some changes may require an additional premium, while others may not be available once your trip has started.

Learn more: contact our team · the PDS.

Yes. You can request cancellation of your policy at any time.

Whether a refund is available will depend on factors such as when you cancel, whether your trip has started and whether a claim has been made or could be made under the policy.

Learn more: contact our team · the PDS.

Yes — there’s a 21-day cooling-off period. If you decide the policy isn’t right for you, you can cancel within 21 days of buying it and receive a full refund, provided your trip hasn’t started and no claim has been made.

After the cooling-off period you can still cancel, but a refund isn’t guaranteed and an administration fee may apply. The full cooling-off terms are set out in the PDS.

Learn more: the PDS · contact our team.

It’s important to choose a cancellation benefit that reflects the total value of your trip.

This may include flights, accommodation, cruises, tours, event tickets, car hire and other prepaid travel expenses. If you’re travelling with others on the same policy, consider the total cost for everyone insured. Not sure how much you need? Get in touch and we’ll help point you in the right direction.

Learn more: how Go Insurance works · the PDS · contact our team.

If you need to cancel your trip due to an unexpected event covered by your policy, you may be able to claim for eligible non-refundable travel expenses.

Cover depends on the circumstances, the policy you’ve purchased and the reason for cancellation. It’s important to cancel any affected bookings as soon as possible to minimise your losses.

Learn more: how to make a claim · the PDS.

Cancel For Your Reason (CFYR) is an optional benefit available with eligible policies that gives you greater flexibility if you decide to cancel your trip for a reason that wouldn’t normally be covered under standard cancellation benefits.

CFYR can provide a partial reimbursement of eligible non-refundable travel expenses, subject to policy terms, conditions, limits and eligibility requirements. It’s designed for travellers who want extra flexibility and peace of mind when making travel plans.

Learn more: Go Ultra + CFYR · the PDS.

Standard travel insurance generally requires a covered event before cancellation benefits apply.

If you’ve purchased CFYR and meet the eligibility requirements, you may be able to claim a portion of your eligible non-refundable travel expenses if you decide not to travel for a personal reason that isn’t otherwise covered by the policy.

Learn more: Go Ultra + CFYR · the PDS.

CFYR may reimburse up to 75% of your eligible non-refundable travel costs, subject to the terms, conditions and maximum benefit limits of the policy.

The amount payable depends on factors such as the value of your trip, any refunds available from travel suppliers and the cancellation benefit selected when purchasing your policy.

Learn more: Go Ultra + CFYR · the PDS.

No. CFYR must be selected when your policy is first issued and cannot be added later.

Eligibility requirements also apply, including timeframes relating to when you booked your trip and when you purchased your policy. If you’re unsure whether CFYR is available for your trip, contact our team before purchasing your policy.

Learn more: Go Ultra + CFYR · contact our team · the PDS.

CFYR provides greater flexibility than standard cancellation cover, but it doesn’t cover every situation.

Eligibility requirements, waiting periods, policy conditions and exclusions apply. It’s important to read the Product Disclosure Statement and the CFYR information carefully to understand when the benefit applies and any limitations that may affect a claim.

Learn more: Go Ultra + CFYR · the PDS.

No. A cancellation claim can only be paid once.

If your cancellation is covered under the standard cancellation section of your policy, it will be assessed under that section. If it isn’t covered under the standard policy and you’ve purchased CFYR, it may then be considered under the CFYR benefit, subject to the policy terms and conditions.

Learn more: Go Ultra + CFYR · the PDS.

A pre-existing medical condition is generally a medical condition, illness, injury or symptom that existed before you purchased your policy.

Some medical conditions may be automatically covered, while others may need to be declared and assessed before cover can be provided. It’s important to answer all medical questions accurately when applying for cover.

Learn more: medical conditions · the PDS.

Many pre-existing medical conditions can be covered by Go Insurance, depending on the condition, the policy selected and the outcome of any required medical assessment.

Some conditions may be automatically covered, while others may require medical screening or additional underwriting.

Learn more: medical conditions · the PDS.

Go Insurance automatically covers a range of medical conditions, provided specific criteria are met.

The list of automatically covered conditions and any applicable requirements are outlined in the Product Disclosure Statement. If your condition isn’t listed, you may still be able to apply for cover through a medical assessment.

Learn more: medical conditions · the PDS.

If your medical condition isn’t automatically covered, you may be able to apply for cover through our medical screening process.

The assessment considers factors such as your condition, treatment history, medications and overall health. If cover can be offered, any applicable terms will be outlined before you purchase your policy.

Learn more: medical conditions · contact our team · the PDS.

If your health changes after purchasing your policy, it’s important to contact us as soon as possible.

Depending on the circumstances, your policy may need to be reviewed and additional information may be required. Notifying us early can help ensure you understand how your cover may be affected.

Learn more: contact our team · the PDS.

Many travellers can still obtain travel insurance while pregnant, provided they meet the eligibility requirements of the policy.

Cover is generally available up to the end of the 24th week of pregnancy, for both single and multiple pregnancies, provided there have been no complications with your current or any previous pregnancy. The policy doesn’t cover the routine costs of childbirth or care for the newborn. It’s important to read the PDS carefully and seek advice if you’re unsure.

Learn more: medical conditions · contact our team · the PDS.

Medicare doesn’t cover you once you leave Australia.

Australia does have Reciprocal Health Care Agreements with some countries (such as the United Kingdom and New Zealand) that give access to limited, medically necessary public care — but these don’t cover everything, including private treatment, emergency evacuation or getting you home, which is where travel insurance comes in. Where a reciprocal agreement or public health system applies, you should use it; your policy is designed to cover the gaps, not to replace publicly funded care that’s available to you.

The policy doesn’t cover medical treatment back in Australia.

Learn more: the PDS · claims support.

If you’re admitted to hospital overseas, contact our emergency assistance team as soon as possible, or ask a travelling companion, family member or hospital staff to contact them on your behalf.

Early notification allows the assistance team to provide support, liaise with medical providers and help coordinate your care where appropriate.

Need emergency assistance? Call +61 7 3481 9880 or email sos@goinsurance.com.au (details are also on your Certificate of Insurance). Learn more: claims support · the PDS.

For minor expenses such as a GP visit, you can usually pay upfront and claim the cost back when you get home. For hospital admission or any large or ongoing expense, it’s important to contact our emergency assistance team as soon as possible — they can liaise with the provider and arrange or guarantee payment directly where possible.

In some situations, arrangements may be made directly with the hospital or medical facility. In others, you may need to pay expenses upfront and submit a claim for reimbursement, subject to the terms and conditions of your policy.

Learn more: claims support · the PDS.

If medically necessary, your policy may provide cover for emergency evacuation or repatriation, subject to the policy terms and conditions.

Medical evacuations are coordinated by the emergency assistance team in consultation with treating doctors and other medical professionals. Every situation is assessed individually to ensure appropriate care and transport arrangements.

Learn more: claims support · the PDS.

Routine or repeat prescriptions for a condition you already had are not covered — the policy doesn’t pay for continuing medication you were already taking before you left. Medication you need because of an eligible illness or injury that happens overseas may be covered as part of your medical expenses, subject to the policy terms.

If you’re travelling with prescription medication, it’s important to carry sufficient supplies for your trip, keep medications in their original packaging and comply with any destination-specific requirements.

Learn more: contact our team · the PDS.

Go Insurance policies may provide cover for certain COVID-19 related events, subject to the policy selected and the terms, conditions and exclusions that apply.

Cover can vary depending on the circumstances, so it’s important to read the Product Disclosure Statement carefully to understand what benefits may be available.

Learn more: the PDS · contact our team.

A cruise comes with some unique risks that may not apply to other types of travel, including onboard medical treatment, itinerary changes, missed ports and emergency evacuations.

Travel insurance can help protect you against unexpected events before and during your cruise, subject to the terms, conditions and limits of your policy. If you’re planning a cruise, it’s worth making sure you have the right cover in place before you depart.

Learn more: cruise travel insurance · the PDS.

No. Medicare does not cover medical treatment provided onboard a cruise ship, even if the cruise remains entirely within Australian waters.

Cruise ship medical centres operate privately, which means consultations, treatment, medications and other medical services are generally your responsibility unless you have appropriate travel insurance. If you become seriously ill or injured, emergency evacuation from a cruise ship can also be extremely expensive and is not covered by Medicare.

That’s why many travellers choose travel insurance for cruises, even when they never leave Australia.

Learn more: cruise travel insurance · the PDS.

If you become sick or injured during your cruise, seek medical attention as soon as possible and contact the emergency assistance team if your condition is serious or you require hospital treatment.

Depending on the circumstances and the cover you’ve selected, your policy may help with eligible medical expenses, emergency medical assistance and other related costs.

Learn more: claims support · cruise travel insurance · the PDS.

Cruise itineraries can change at short notice due to weather, water levels, operational issues, port restrictions or safety concerns, and ports are sometimes cancelled or substituted.

Whether any benefit applies depends on the reason for the change, the cover you’ve selected and your policy terms — not every itinerary change is covered. If your plans change, keep any documentation the cruise operator gives you about the disruption.

Learn more: cruise travel insurance · the PDS.

If you need to cancel your cruise due to an unexpected event covered by your policy, you may be able to claim for eligible non-refundable cruise expenses.

If you’ve purchased Cancel For Your Reason (CFYR), additional flexibility may be available if you decide not to travel for a reason that wouldn’t normally be covered under standard cancellation benefits.

Learn more: cruise travel insurance · Go Ultra + CFYR · the PDS.

Government travel advisories can change at any time due to security concerns, civil unrest, natural disasters, health events or other emerging risks.

A travel warning doesn’t automatically mean you’re covered or not covered. The impact on your policy depends on factors such as when the warning was issued, your destination, your travel dates and the cover you’ve selected — and there’s generally no cover for travel to a destination under a “Do Not Travel” warning. Before travelling, check the latest Smartraveller advice for your destination.

Learn more: Smartraveller warnings · the PDS.

War and armed conflict are excluded under standard travel insurance, including ours.

However, you can add optional War & Armed Conflict Disruption Cover, which provides limited benefits if a new and unexpected war or armed conflict erupts after your trip has started and disrupts your travel. It won’t cover conflict that was already underway, or that you could reasonably have foreseen, when you booked or bought your policy.

Learn more: War & Armed Conflict Disruption Cover · the PDS.

It’s designed to help with disruption costs if a new conflict event after departure forces you to change your plans — things like additional accommodation and travel expenses, including getting you home early where appropriate.

It’s a limited disruption benefit with set limits, not open-ended cover for everything war-related, and what’s payable depends on the circumstances and the policy terms. Contact the emergency assistance team as soon as possible if your trip is affected.

Learn more: War & Armed Conflict Disruption Cover · claims support · the PDS.

The impact of a terrorism-related event on your cover will depend on the circumstances, your destination and the policy you’ve purchased.

As with war and armed conflict, it’s important to understand that not every event will be covered and policy terms, conditions and exclusions apply. If an event affects your travel plans, contact us or the emergency assistance team as soon as possible so we can help explain your options.

Learn more: contact our team · the PDS.

Go Insurance covers a wide range of sports and leisure activities, subject to the terms, conditions and limits of your policy.

Some activities are automatically covered, while others may require an optional cover or may not be covered at all. It’s important to check whether your planned activities are included before you travel.

Learn more: sports & leisure cover · the PDS.

Snow sports are not automatically included under standard travel insurance policies.

If you’re planning to ski, snowboard or participate in other snow sports, you’ll generally need to select Snow Sports Cover when purchasing your policy.

Learn more: Snow Sports cover · the PDS.

If you’re planning to ski, snowboard or take part in other snow sports during your trip, Snow Sports Cover is worth considering.

Snow sports can involve additional risks and expenses, including medical treatment, piste closures, lost lift passes and equipment-related claims. Snow Sports Cover is designed to provide benefits specifically for these situations, subject to policy terms and conditions.

Learn more: Snow Sports cover · the PDS.

Yes, provided you meet the policy requirements.

If you’re riding a motorcycle, moped or scooter overseas, cover may be available if you wear a helmet at all times (regardless of local law); wear enclosed footwear and clothing that provides reasonable skin coverage; hold the appropriate Australian licence for the vehicle; hold a valid licence for the country where you’re riding; the engine capacity doesn’t exceed 250cc for motorcycles or 200cc for scooters and mopeds; and, if electric, the vehicle is limited to 25km/h or less. If you’re a passenger, the driver must also meet these requirements.

Before hiring a motorcycle or scooter overseas, make sure you’re legally licensed to ride that class of vehicle both in Australia and in the destination you’re visiting.

Learn more: the PDS · contact our team.

Many recreational water sports are covered under Go Insurance policies, subject to the terms, conditions and limits of the policy.

Some activities may be automatically covered, while others may require additional cover or have specific conditions that apply. If you’re planning to spend time on or in the water, it’s worth checking your cover before you travel.

Learn more: Water Sports cover · the PDS.

If you’re planning a sailing holiday, it’s important to make sure your travel insurance covers the activities you intend to take part in.

Depending on the type of sailing and your level of involvement, different conditions and limitations may apply. Travel insurance can also help protect you against unexpected events such as medical emergencies, cancellations and travel disruptions.

Learn more: sailing cover · the PDS.

Yes, on higher levels of cover. Rental vehicle excess is part of the Legal cover module, so it isn’t included on the most basic level.

If a hire car you’ve rented from a licensed rental company is damaged or stolen while in your care, we cover the rental company’s insurance excess — or the cost of repair if that’s lower — up to the limit shown for your level of cover, and we can help with the cost of returning the vehicle if you’re medically unable to. Because it sits in the Legal module, this cover only applies if you’ve kept that module. It covers standard rental cars and campervans up to 4.5 tonnes, and doesn’t extend to hired motorbikes, scooters or watercraft.

Learn more: the PDS.

Yes. Whether you’re attending a destination wedding or travelling overseas for your own wedding, travel insurance can help protect you against unexpected disruptions before and during your trip.

Cover depends on the policy selected and the circumstances of any claim. If you’re planning a destination wedding, it’s worth understanding what cover is available before you travel.

Learn more: Destination Wedding insurance · the PDS.

Yes. Go Insurance offers cover options for eligible business travellers.

Whether you’re attending meetings, conferences, trade shows or other work-related travel, it’s important to ensure you have the right cover for your trip and any business equipment you’re taking with you.

Learn more: business travel cover · the PDS.

Yes. Recreational golf is covered as a sport and leisure activity under eligible Go Insurance policies, subject to the policy terms and conditions.

However, if you’re travelling with golf equipment or have prepaid golf-related expenses, you may wish to consider Golf Optional Cover for additional golf-specific benefits.

Learn more: Golf cover · the PDS.

Golf Optional Cover is designed for travellers who want additional protection for golf-related expenses.

Depending on the cover selected, benefits may be available for things such as golf equipment, golf equipment hire and prepaid green fees, subject to policy terms, conditions and limits. If golf is a key part of your trip, Golf Optional Cover is worth considering.

Learn more: Golf cover · the PDS.

If your luggage is lost or stolen, report it as soon as possible to the relevant airline, transport provider, accommodation provider or local authorities.

Be sure to obtain written confirmation of the loss, theft or delay, as this may be required when making a claim. Keep copies of any receipts for essential replacement items you purchase.

Learn more: claims support · the PDS.

If your luggage is delayed, report the delay to the airline or transport provider before leaving the airport or terminal and obtain written confirmation.

If you need to purchase essential items while waiting for your luggage, keep all receipts as they may be required if you make a claim.

Learn more: claims support · the PDS.

Yes. As well as an overall luggage limit, per-item sub-limits apply, and they vary by your level of cover.

For most belongings there’s a maximum we’ll pay per item, pair or set, with higher limits for electronics like cameras and laptops, plus a combined cap on all valuables and electronics together. Keep your receipts — without proof of purchase, claims are limited to $100 per item (up to $500 in total), and for any electronic item or valuable worth over $100 you’ll need a police report within 24 hours and proof of ownership. High-value items checked into the luggage hold aren’t covered.

These limits apply under the Property cover module; if you remove Property cover when you buy, there’s no cover for lost, stolen or damaged belongings.

Learn more: the PDS.

Your belongings are “unattended” if you leave them with someone you didn’t know before your trip, put them somewhere they could be taken without you noticing, or move far enough away that you couldn’t stop someone taking them — for example, leaving a bag on the beach while you swim, or in a café while you step outside.

Items left unattended in a public place (or in an unattended vehicle or tent) are covered only up to a limited amount, so it pays to keep valuables on you or locked away in a safe or locked room.

Learn more: the PDS.

If your passport is lost or stolen, report it to the local authorities as soon as possible and contact the nearest Australian embassy, consulate or passport office.

You should also retain any reports, receipts and supporting documentation relating to replacement costs and travel arrangements.

Learn more: claims support · contact our team · the PDS.

Making a claim is simple. You can lodge your claim online and provide any supporting documents needed to help us assess it.

The information required will depend on the type of claim, but providing complete documentation can help avoid delays.

Learn more: how to make a claim · the PDS.

The documents required will depend on the type of claim you’re making.

Examples may include receipts, invoices, booking confirmations, medical reports, police reports, airline correspondence or other evidence relating to the loss or event. Providing supporting documents as early as possible can help us assess your claim more efficiently.

Learn more: how to make a claim · the PDS.

Once you lodge a claim, we’ll confirm we’ve received it and give you a claim number within 3 business days. After we have all the information we need and have completed our enquiries, we’ll decide whether to accept or decline your claim and tell you within 10 business days.

We aim to reach a final decision within 4 months of receiving your claim (up to 12 months in exceptional or complex cases), and we’ll keep you updated as it progresses. The more complete your documentation, the quicker this tends to go. These timeframes follow the General Insurance Code of Practice.

Learn more: claims support · contact our team.

If your claim is approved, payment is generally made directly to you, into the Australian bank account you nominate during the claims process.

The way a claim is settled may vary depending on the nature of the claim and the circumstances involved, and where costs are in a foreign currency they’re converted to Australian dollars at the rate that applied on the date of the loss or expense.

Learn more: claims support.

If you’ve lost a receipt, you should provide any alternative documentation that helps demonstrate ownership, value or proof of purchase.

Examples may include bank statements, invoices, booking confirmations, photographs or warranty information. The more information you can provide, the easier it will be for the claims team to assess your claim — though for some items, without proof of purchase a lower limit may apply.

Learn more: claims support · contact our team.

You should tell us as soon as reasonably possible, and within 30 days of returning to Australia (or your policy end date, whichever comes first). For a medical emergency or hospital admission overseas, contact the emergency assistance team straight away rather than waiting.

Prompt notification can help ensure important information is preserved and may assist with the assessment of your claim.

Learn more: claims support.

Yes. If you’ve already lodged a claim and would like an update, you can contact the claims team.

Having your claim reference number available will help us assist you more quickly.

Learn more: contact our team · claims support.

If you’re unhappy with a claims decision, you can ask for the decision to be reviewed.

Go Insurance has an Internal Dispute Resolution process designed to ensure concerns are considered fairly and transparently. If you’re still dissatisfied after the review, external dispute resolution through the Australian Financial Complaints Authority (AFCA) may also be available to you.

Learn more: contact our team · the PDS.

If you experience a serious illness or injury while travelling, seek medical attention immediately.

If you’re admitted to hospital or require significant medical treatment, contact the emergency assistance team as soon as possible, or ask someone to contact them on your behalf. Early notification helps ensure appropriate support and assistance can be provided.

Learn more: claims support · the PDS.

Our emergency assistance team is available 24 hours a day, 7 days a week. You can reach the team on +61 7 3481 9880 or at sos@goinsurance.com.au, and the emergency contact details are also on your Certificate of Insurance.

Contact them as soon as possible for a serious medical situation, hospital admission, medical evacuation or another travel emergency — and before you make arrangements yourself where practical.

Learn more: claims support · contact our team.

If you need to return home early due to an unexpected event, your policy may provide benefits depending on the circumstances and the cover you’ve selected.

If your travel plans are disrupted, contact us or the emergency assistance team as soon as possible — and before making alternative arrangements where practical — as early return generally needs to be agreed with us to be covered.

Learn more: claims support · the PDS.

Natural disasters such as bushfires, earthquakes, floods, cyclones or volcanic eruptions can disrupt travel plans with little warning.

Depending on the circumstances, your policy may provide benefits for certain cancellation, delay, additional travel or accommodation expenses. Cover will depend on the nature of the event, when it occurred and the terms and conditions of your policy. If your trip is affected, contact us as soon as possible for guidance.

Learn more: claims support · contact our team · the PDS.