InsureandGo Travel Insurance

InsureandGo Australia is an Australian travel insurance direct-to-consumer brand, part of the global MAPFRE Group. It offers single-trip, annual multi-trip, cruise, backpacker, and specialist policies for Australian residents, with cover options for overseas medical, cancellations, luggage, personal liability, and adventure activities. Policies are issued in Australia by Mapfre Insurance Services Australia. Buy via insureandgo.com.au and activate ShopBack via the InsureandGo merchant page on ShopBack Australia to earn cashback on eligible policies at the current published rate. Always read the Product Disclosure Statement (PDS) before purchasing.

InsureandGo Australia typically offers Bare Essentials (basic medical + repatriation), Silver (medical + limited cancellation + luggage), Gold (comprehensive with higher cancellation and luggage limits), Black (top-tier with the highest cover limits), Annual Multi-Trip (unlimited trips up to a duration cap per trip, usually 15 to 45 days per trip depending on tier), Cruise cover (with cruise-specific inclusions like missed port and cabin confinement), and Under 30s Backpacker policies. Adventure activities require add-on cover; check the activity list in the PDS. Pre-existing conditions require medical assessment during purchase.

InsureandGo runs regular promo code windows across the year including EOFY (June), pre-Christmas booking windows (October to December), Black Friday on 2026-11-27, Cyber Monday on 2026-11-30, and Boxing Day on 2026-12-26. Discount codes typically offer a percentage off the base premium (verify current code and terms on insureandgo.com.au). Annual Multi-Trip policies often price sharper when purchased mid-year (June to August) ahead of peak December holidays. Verify current sale windows and any exclusions on insureandgo.com.au and stack ShopBack cashback via the ShopBack InsureandGo merchant page.

The InsureandGo Product Disclosure Statement (PDS) sets out the policy sections, cover limits, sub-limits, excesses, exclusions, and claims procedures. Standard sections typically include overseas medical and hospital expenses, medical evacuation and repatriation, cancellation and amendment costs, luggage and personal effects, personal liability, and travel delay. Cover limits, excesses, and sub-limits vary by tier (Bare Essentials through Black). Pre-existing medical conditions are excluded unless declared and accepted during purchase. Read the full PDS on insureandgo.com.au/policy-documents before buying; the summary page is not a substitute for the PDS.

Southern Cross Travel Insurance is an NZ-headquartered insurer with strong AU presence, known for competitive pricing and clear PDS language. InsureandGo is UK-origin, part of MAPFRE, with broad tier structure and cruise-specific product depth. For a comprehensive family holiday with cruise legs, InsureandGo's Cruise cover often has cleaner inclusions. For value single-trip family policies to popular AU-outbound destinations (Bali, Fiji, NZ), Southern Cross often prices tighter. Cross-check the same trip dates, destination, and traveller ages on both sites, and always read each PDS before deciding. Both are cashback-eligible via ShopBack on their respective merchant pages.

Cover-More is a large AU-based travel insurer owned by Zurich, widely distributed through Flight Centre and other retail travel agents plus direct. InsureandGo is direct-to-consumer with a MAPFRE backing. For a trip already being booked through a Flight Centre store, Cover-More is often bundled at the counter. For a direct online purchase with tier flexibility (especially Cruise and Backpacker), InsureandGo is often competitive. Cross-check quotes on the same trip and read each PDS carefully, since sub-limits (like electronics and luggage per-item) vary meaningfully. Both are cashback-eligible via ShopBack on their respective merchant pages.

InsureandGo Cruise cover is a specialist policy for guests taking an ocean or river cruise. It typically layers cruise-specific benefits on top of standard travel insurance: cover for missed port arrival, cabin confinement due to illness, ship-based medical evacuation costs, and formal-night dress cover. Cover levels vary by tier (Bare Essentials, Silver, Gold, Black). AU-departure cruises (from Sydney, Brisbane, Melbourne) still typically require cruise cover even for domestic Australia coastal itineraries. Read the PDS Cruise section carefully for sub-limits, excesses, and exclusions before buying and confirm the specific vessel and itinerary are covered.

InsureandGo Annual Multi-Trip typically breaks even at three or more overseas trips per year (or fewer if trips are long-haul to Europe or North America where single-trip premiums run higher). The policy covers unlimited trips within the year up to a per-trip duration cap (often 15, 31, or 45 days depending on tier). Domestic AU trips are usually excluded from Annual Multi-Trip unless specifically included in the plan tier. For frequent AU-outbound travellers with 3+ overseas trips per year, Annual often prices sharper. Verify the per-trip duration cap and destination exclusions in the PDS before buying.

Empty any pending InsureandGo quote or cart, then click through fresh from the ShopBack InsureandGo merchant page to insureandgo.com.au. Complete the quote and purchase in the same browser session, and confirm the policy schedule email. Avoid pasting unofficial third-party promo codes at checkout since they can break cashback tracking. Cashback typically tracks on the paid premium (excluding government charges); check the merchant page for current eligibility. Rates and eligible policy types vary; see the current published rate on the ShopBack InsureandGo merchant page.

Yes. Any cancelled or refunded portion of your InsureandGo policy is voided from the ShopBack cashback total. InsureandGo typically offers a cooling-off period (usually 14 days from policy issue, provided no claim has been made and travel has not commenced) during which the policy can be cancelled for a refund. If you cancel within the cooling-off window, the pending cashback will not confirm. Verify current cooling-off terms in the PDS.