Before You Select

Some destinations are not eligible for cover

Go Insurance does not provide cover for travel to Belarus, Cuba, Iran, North Korea, Russia or Ukraine — regardless of the current advisory level, and regardless of which region you select. This is set out in the General Exclusions in the PDS.

Go Insurance also does not cover travel to any destination the Australian Government rates Level 4 “Do not travel”. 21 destinations are currently in that category. Selecting an “all of” region does not extend cover to a Level 4 destination inside that region.

Advisory levels are sourced from the Australian Government Department of Foreign Affairs and Trade (Smartraveller). Levels change at any time — check current Smartraveller warnings before you travel.

Name the countries, not the region, where you can.

Selecting the individual countries you are travelling to gives you a quote tailored to your itinerary. A region of travel is a quicker shortcut, but it covers every destination in that region — including places you are not visiting — so it may be priced more broadly.

Type a country to see which region it sits in and whether it is eligible for cover.

Australia & Australian Territory

Travelling within Australia?

Australia is not a region of travel — it is selected on its own. Which option you choose depends on where you are going and how you are getting there.

Select Australia

Travel anywhere in Australia, including Christmas Island, the Cocos (Keeling) Islands, Norfolk Island, and Heard Island and McDonald Islands. These are Australian territory, so they are not overseas destinations even though they sit a long way offshore.

Select Domestic Cruising (Australia)

Cruises that stay in Australian waters and call only at Australian ports. If the itinerary stops anywhere overseas — New Zealand, the Pacific islands, Papua New Guinea — it is not a domestic cruise. Choose the cruise option that covers every port on the itinerary, including any you only step ashore at briefly.

Select Worldwide

The Australian Antarctic Territory and Macquarie Island are Australian territory, but they are selected under Worldwide rather than Australia. So is Antarctica (Sight seeing flight) — a flight that departs Australia, overflies Antarctica and returns without landing.

Select Antarctica (Cruising)

Voyages that land in Antarctica or the subantarctic islands. This is a separate selection from the sightseeing flight, and from the Arctic Cruising option at the other end of the world.

Not sure which applies to your trip? Talk to our team before you buy — the region you select affects both your premium and where you are covered.

Region of Travel

South Pacific

Island nations across the Pacific, plus New Zealand and Papua New Guinea.

Every destination in this region is currently eligible for cover. This can change at any time.

View destinations in this region (13)
American Samoa–Cook Islands–Fiji–French Polynesia–New Caledonia–New Zealand–Niue–Papua New Guinea–Samoa–Solomon Islands–Tokelau–Tonga–Vanuatu–

Popular destinations: New Zealand Travel Insurance

Region of Travel

All of Asia (Southeast Asia)

Mainland and maritime South East Asia, including Bali and the wider Indonesian archipelago.

1 destination in this region is not currently eligible for cover, even if you select this region. They are marked below.

View destinations in this region (12)
Bali–Brunei Darussalam–Cambodia–Indonesia–Laos (Lao People's Democratic Republic)–Malaysia–MyanmarNot coveredPhilippines–Singapore–Thailand–Timor-Leste–Vietnam–

Popular destinations: Bali Travel Insurance, Thailand Travel Insurance

Region of Travel

All of Asia

The whole of Asia, including the Middle East, the Indian subcontinent and East Asia. Also includes everything in All of Asia (Southeast Asia).

11 destinations in this region are not currently eligible for cover, even if you select this region. They are marked below.

View destinations in this region (52)
AfghanistanNot coveredArmenia–Azerbaijan–BahrainNot coveredBali–Bangladesh–Bhutan–Brunei Darussalam–Cambodia–China–Cyprus–Georgia–Hong Kong–India–Indonesia–Iran (Islamic Republic of)Not coveredIraqNot coveredIsrael–Japan–Jordan–Kazakhstan–KuwaitNot coveredKyrgyzstan–Laos (Lao People's Democratic Republic)–LebanonNot coveredMacao (Macau)–Malaysia–Maldives–Mongolia–MyanmarNot coveredNepal–North KoreaNot coveredOman–Pakistan–Palestine, State ofNot coveredPhilippines–Qatar–Saudi Arabia–Singapore–South Korea–Sri Lanka–Syria (Syrian Arab Republic)Not coveredTaiwan, Province of China–Tajikistan–Thailand–Timor-Leste–Turkey–Turkmenistan–United Arab Emirates–Uzbekistan–Vietnam–YemenNot covered
Region of Travel

All of Africa

Every country on the African continent, plus the surrounding Indian Ocean and Atlantic islands.

11 destinations in this region are not currently eligible for cover, even if you select this region. They are marked below.

View destinations in this region (57)
Algeria–Angola–Benin–Botswana–Burkina FasoNot coveredBurundi–Cabo Verde–Cameroon–Central African RepublicNot coveredChadNot coveredComoros–CongoNot coveredCongo (Democratic Republic of the)Not coveredCôte d'Ivoire–Djibouti–Egypt–Equatorial Guinea–Eritrea–Eswatini–Ethiopia–Gabon–Gambia–Ghana–Guinea–Guinea-Bissau–Kenya–Lesotho–Liberia–LibyaNot coveredMadagascar–Malawi–MaliNot coveredMauritania–Mauritius–Mayotte–Morocco–Mozambique–Namibia–NigerNot coveredNigeria–Rwanda–Réunion–Sao Tome and Principe–Senegal–Seychelles–Sierra Leone–SomaliaNot coveredSouth Africa–South SudanNot coveredSudanNot coveredTanzania, United Republic of–Togo–Tunisia–Uganda–Western Sahara–Zambia–Zimbabwe–
Region of Travel

Europe

The European continent, including the UK, Ireland and the European microstates.

3 destinations in this region are not currently eligible for cover, even if you select this region. They are marked below.

View destinations in this region (57)
Albania–Andorra–Austria–BelarusNot coveredBelgium–Bosnia and Herzegovina–Bulgaria–Croatia–Czechia (Czech Republic)–Denmark–Estonia–Faroe Islands–Finland–France–Germany–Gibraltar–Greece–Guernsey–Holy See–Hungary–Iceland–Ireland–Isle of Man–Italy–Jersey–Kosovo (Republic of)–Latvia–Liechtenstein–Lithuania–Luxembourg–Malta–Moldova (Republic of)–Monaco–Montenegro–Netherlands–Netherlands Antilles–Northern Ireland–North Macedonia–Norway–Poland–Portugal–Romania–Russian FederationNot coveredSan Marino–Scotland–Serbia–Slovakia–Slovenia–Spain–Svalbard and Jan Mayen–Sweden–Switzerland–Turkey–UkraineNot coveredUnited Kingdom–Wales–Åland Islands–

Popular destinations: Europe Travel Insurance, UK Travel Insurance

Region of Travel

Worldwide (anywhere in the world)

Every country, wherever you are going. Choose this if your trip spans more than one region.

27 destinations worldwide are not currently eligible for cover, even if you select this region. They are marked below.

View destinations in this region (77)
Anguilla–Antarctica (Cruising)–Antarctica (Sight seeing flight)–Antigua and Barbuda–Argentina–Aruba–Australian Antarctic Territory–Bahamas–Barbados–Belize–Bermuda–Bolivia (Plurinational State of)–Bonaire, Sint Eustatius and Saba–Bouvet Island–Brazil–British Indian Ocean Territory–Canada–Canary Islands–Cayman Islands–Chile–Colombia–Costa Rica–CubaNot coveredCuraçao–Dominica–Dominican Republic–Ecuador–El Salvador–Falkland Islands (Malvinas)–French Guiana–French Southern Territories–Greenland–Grenada–Guadeloupe–Guam–Guatemala–Guyana–HaitiNot coveredHonduras–Jamaica–Kiribati–Macquarie Island–Marshall Islands–Martinique–Mexico–Micronesia (Federated States of)–Montserrat–Nauru–Nicaragua–Northern Mariana Islands–Palau–Panama–Paraguay–Peru–Pitcairn–Puerto Rico–Saint Barthélemy–Saint Helena, Ascension and Tristan da Cunha–Saint Kitts and Nevis–Saint Lucia–Saint Martin (French part)–Saint Pierre and Miquelon–Saint Vincent and the Grenadines–Sint Maarten (Dutch part)–South Georgia and the South Sandwich Islands–Suriname–Trinidad and Tobago–Turks and Caicos Islands–Tuvalu–United States Minor Outlying Islands–Uruguay–USA (Disneyland)–USA (United States of America)–Venezuela (Bolivarian Republic of)Not coveredVirgin Islands (British)–Virgin Islands (U.S.)–Wallis and Futuna–

Popular destinations: USA Travel Insurance

Cruising?

Cruises are selected as their own region of travel rather than by country. Choose the option that covers the full itinerary — including any port you will step ashore at.

Domestic Cruising (Australia) Domestic Cruising (New Zealand) South Pacific Cruising South East Asia Cruising Asia Cruising Alaskan Cruising All North Pacific Cruising All Pacific Cruising Arctic Cruising Europe Ocean Cruising Europe River Cruising Worldwide Cruising

More detail on cruise travel insurance.

Advisory levels shown are the Australian Government’s overall level for each destination. A dash means no separate advisory is published. Territories show the advisory for their parent country. See all Smartraveller warnings, or read the PDS — which includes our Financial Services Guide.

Common Questions

Choosing your region of travel

Which region do I select for Bali?

Select All of Asia (Southeast Asia). Bali is part of Indonesia, so it also falls within All of Asia and Worldwide (anywhere in the world) if your trip takes in more than Southeast Asia. Choose the narrowest region that covers every destination on your itinerary. More detail on our Bali travel insurance page.

Should I select Europe or Worldwide for a trip to the UK?

Select Europe if the United Kingdom, Scotland, Wales, Northern Ireland or Ireland is the furthest you are travelling. Choose Worldwide only if the same trip also takes in somewhere outside Europe — a stopover in Dubai or Singapore on the way, for example, counts. See our UK travel insurance and Europe travel insurance pages.

What do I select if I am going on a cruise?

Cruises are selected as their own region of travel rather than by country. Choose the cruise option that covers the full itinerary, including any port you only step ashore at briefly. If the ship stays in Australian waters and calls only at Australian ports, select Domestic Cruising (Australia); if it visits New Zealand, the Pacific islands or Papua New Guinea, it is not a domestic cruise. Our cruise travel insurance page has more.

Does the region I select affect my premium?

Yes. Your travel locations are one of the factors used to calculate your premium, so a Worldwide policy generally costs more than one limited to a single region. Selecting a wider region than you need means paying for cover you will not use — but selecting too narrow a region can leave you without cover where you are actually going. The PDS sets out how premiums are calculated, and includes our Financial Services Guide.

My trip covers more than one region. What do I select?

Select the single region that includes every destination on your itinerary. If your trip spans two regions that do not sit inside one another — Europe and South America, for instance — select Worldwide (anywhere in the world). Note that All of Asia already includes everything in All of Asia (Southeast Asia), and that Turkey sits in both All of Asia and Europe.

Am I covered if my destination has a Do Not Travel warning?

No. Go Insurance does not cover travel to any destination the Australian Government rates Level 4 “Do not travel” on Smartraveller, and selecting an “all of” region does not extend cover to a Level 4 destination inside that region. Separately, we do not cover travel to Belarus, Cuba, Iran, North Korea, Russia or Ukraine regardless of the advisory level. Advisory levels change at any time — check the current Smartraveller warnings and the PDS before you book.

Is Australia a region of travel?

No — Australia is selected on its own rather than as a region. That includes Christmas Island, the Cocos (Keeling) Islands, Norfolk Island, and Heard Island and McDonald Islands, which are Australian territory rather than overseas destinations. The Australian Antarctic Territory and Macquarie Island are the exception: they are Australian territory but are selected under Worldwide.

My destination is not on the list. What should I do?

Try searching the country name rather than a city, island or region — Bali appears under Indonesia, and Hawaii under the United States of America. Territories are usually listed under their own name rather than the country that administers them. If you still cannot find it, contact our team before you buy rather than selecting the closest match.