InsureandGo Australia review

The excess runs from AUD 0, which is the amount you are liable for before the insurer pays. A starting excess of AUD 0 means a small medical bill abroad does not have to come out of your own pocket first. Check the excess shown on your quote, since it can differ by destination and by age band.

Overseas medical expenses are covered as Unlimited overseas medical expenses. That sits above the limit on a tighter budget policy, which matters if you would otherwise have to fund treatment privately. The exact figure for your trip appears in the quote for your destination, so read the wording there before you pay.

Policyholders can be within the Up to 100 years of age range, and the audience the brand targets is seniors. That is the point that separates it from policies with a lower age ceiling, where a senior traveller is turned away or referred elsewhere. Age bands usually change the price, so check the band you land in.

The brand holds an Australian Securities and Investments Commission financial services licence, AFSL 552106. The entity named on the policy is Europ Assistance Australia Pty Ltd, based in Australia, and it is an insurer, so it carries the risk on its own policy rather than passing it on.

Claims can be started through online claims portal, email and phone. The online claims portal suits a claim opened from a phone, while the phone line suits a traveller who needs to talk the situation through first. Keep the receipts and the policy number handy whichever route you use, and start the claim as soon as you can.

The range is travel. Nothing outside travel is listed, so a car, home or contents policy will have to come from another provider. If you want every line of cover under one insurer, look instead at a brand with a wider range across personal insurance.

It is an insurer, so the policy is underwritten by the brand rather than placed with a third party. The company behind it is Europ Assistance Australia Pty Ltd, trading since 2012. You deal with one company for the policy and for any claim, which keeps the claim route short.

Help runs on email, phone and help centre, which is phone, email and a help centre rather than live chat. The phone route is the quickest for a problem while you are abroad. Anything sent by email or through the help centre is better for a claim you want to put in writing.