Go Travel Insurance Review

Learn more about Go Insurance’s travel policies to find out about their coverage and fees and compare them with other insurers today. 

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, updated on June 26th, 2023       

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Go Insurance is a Brisbane-based company founded by a couple of Australian insurance specialists who wanted to give their customers more policy options. Its travel insurance policies are underwritten by Lloyd’s of London, one of the world’s largest providers of protection for holidaymakers.

If you’re doing some holiday homework and want to see how Go Insurance's travel policies stack up against the competition, comparing with Savvy can help you make the choice easier. You can find a policy which best suits your next getaway by considering your options with us.

Compare Go Insurance’s policies and other offers with Savvy today before buying your travel insurance.

*Please note that Savvy doesn’t represent Go Insurance for its travel products.

More about Go Insurance's travel policies

What travel policies does Go Insurance offer?

Go Insurance offers a few standalone travel insurance policies, including:

  • Go Basic: this is Go Insurance’s most base-level coverage and provides you with unlimited medical and hospital cover on your international holiday, as well as some limited protection for cancellation and your personal items. You’re also given 24/7 emergency support and some limited coverage for cancellation due to COVID-19.
  • Go Plus: this type of coverage falls between a basic and comprehensive policy. The claim limits are larger on this policy than the Go Basic option, and you’re covered for disruptions to your travel plans such as if your mode of transport is hijacked or your airline goes bankrupt.
  • Go Elite: Go Insurance’s top-tier policy, the Go Elite plan offers you the same coverage as the Go Plus policy however you’re able to claim more if something goes wrong on your holiday. For example, while the Go Plus policy offers $2. 5 million in personal liability cover, the Go Elite option offers double that amount.
  • Corporate travel: technically a business travel insurance plan, this option covers you and your employees for any loss, theft or damage to equipment or belongings while you’re on a corporate trip. It also covers the renting of any necessary equipment, theft of your company’s money and cover for important papers if they’re lost or stolen.
  • Already overseas: if you’ve already reached your international destination but forgot to take out travel insurance, Go provides the chance to purchase a policy. However, there is a cooling off period of 48 hours in which you won’t be able to make any claims and those over 75 aren’t eligible to take out this type of insurance.
Go Basic Go Plus Go Elite
Overseas medical expenses
Unlimited
Unlimited
Unlimited
Cancellation
$5,000
$15,000
$25,000
Travel delays
N/A
$1,000
$1,500
Luggage and personal items
$2,500
$7,500
$10,000
Muggings
N/A
$500
$1,000
Personal liability
$1 million
$2.5 million
$5 million
Rental vehicle excess
N/A
$2,500
$4,000
Domestic pet care
N/A
$250
$500
Legal expenses
N/A
$10,000
$20,000
Cancellation due to COVID-19
$5,000
$15,000
$25,000

Whether you’re heading to Antarctica's freezing temperatures or lapping up some sun in Ayers Rock, comparing your options with Savvy will help you find the best policy on the market for your needs.

What optional extras are available through Go Insurance?

Go Insurance offers a few optional extras that you can tack onto your standalone travel policy. These include:

  • Snow sports cover: if you’re going skiing or snowboarding on your holiday, Go Insurance offers winter sports cover as an optional extra. It offers protection against the loss or robbery of, or damage to, any hired or personal equipment, including winter sports gear. Additionally included are the costs of renting replacement equipment for the length of your trip as well as the replacement cost of lost or stolen ski tickets or lesson vouchers. Even if avalanches, lack of snow or piste closures prevent you from skiing, you will still get compensation.
  • Golf cover: this golf option covers your own or rented golf gear in case it’s lost, stolen, or broken. If you have to cancel or shorten your vacation, Go Insurance will also cover the rental cost of new equipment and you can be paid for unused green fees.
  • Cruise cover: if you’re taking a domestic or international trip on a cruise liner, this optional extra covers you if you miss out on pre-paid excursions, visits to shore, port connections or lose your formal attire. You’re also covered for cabin confinement, so long as the claim isn’t directly related to COVID-19.
  • Water sports cover: Go Insurance will pay you if you can't go on a pre-planned boat trip because of an accident, illness or bad weather. Equipment for water activities that are lost, stolen, damaged or have to be replaced can all be covered. Additionally, you'll be compensated for items such as water sports passes and tuition fees that you couldn't utilise because of things like cancellation, loss, theft or bad weather.

What exclusions should I be aware of when buying through Go Insurance?

In the case of Go Insurance, some of the exclusions are:

  • Any losses or incidents outside of your travel insurance period
  • Claims relating to loss or damage from war or rebellions
  • Losing your bags or personal items due to carelessness
  • Treatment for unapproved pre-existing medical conditions
  • Accidents caused by alcohol consumption or drug use
  • Intentionally injuring yourself
  • Travelling to partake in a competitive sport
  • Expenses you can’t provide sufficient evidence for

If you’ve found a travel insurance policy that draws your eye, make sure you review the Product Disclosure Statement (PDS) before you set your decision in stone.

What we think of Go Insurance's travel policies

What we like

Plenty of cover options

One of the main benefits of Go Insurance is that it offers a wide variety of policy options, ranging from business or leisure policies to optional extras such as water or snow sports. 

Internal claims handling

Go Insurance is one of the few providers who handle claims themselves without handballing them to their underwriter. This allows you to deal with the same person from the start of the process to the end.

Generous claim limits

Some of the claimable limits Go Insurance offer on their policies are hefty. For example, if you have cash stolen, you can claim up to $1, 000, whereas other insurers will only allow you $250 worth of cover.

What we don't like

Restricted seniors cover

While some insurers on the market allow senior travellers of any age to buy a policy, Go Insurance draws the line at those over 75 being able to purchase coverage.

Reduced coverage for pregnancies

Go Insurance offers considerably less coverage for pregnant travellers than some of their competitors, with coverage only up to the 20th week of gestation.

Limited car hire cover

Unlike some insurers who let you claim back up to $8, 000 if you need to pay the excess on your hire car, Go Insurance only lets you claim up to $4, 000.

Types of travel insurance

Why compare travel insurance with Savvy?

Frequently asked questions about Go Insurance's travel cover

Does Go Insurance cover COVID-19-related costs under their travel policies?

Yes – Go Insurance covers a slew of COVID-19-related expenses, such as:

  • Overseas medical costs: this includes hospital expenses, ambulances, doctors' fees and the cost of medication.
  • Trip cancellation: you’re covered if you or your travel partner need to cancel your holiday because one or both of you have tested positive for COVID-19.
  • Post-departure curtailment: if you or your travelling companion are suffering from COVID-19 and need to go into mandatory quarantine, the additional expenses can be covered by Go Insurance.
How do I make a claim through Go Insurance?

If you want to make a claim through Go Insurance, you can do it online. The claims process is handled internally and not by Lloyd’s of London, the company’s underwriter. To make an insurance claim, you’ll need to:

  • Start the process within 30 days of your return home
  • Complete the claim form with ample detail
  • Submit any relevant documentation, such as medical or police reports. You can also include photographs
  • Submit your form and await a response

 

Once you’ve lodged your claim, you’ll generally hear back from your insurance company within ten working days. Claims are paid out in Australian dollars and paid into your nominated bank account.

How much will my Go Insurance travel policy cost?

The cost of travel insurance varies from person to person, so there’s no such thing as an average cost when it comes to purchasing a policy. Some of the factors which determine what you’ll pay include:

  • Your age
  • Destination (for example, if you travel to Bermuda, where health cover can be expensive)
  • Level of coverage
  • Optional extras you choose
  • Pre-existing medical conditions
  • Chosen policy excess
  • Type of insurer and insurance policy you purchase
What’s the difference between single-trip, annual and one-way travel insurance policies?

Unlike annual multi-trip policies which cover you for multiple holidays, single-trip policies only cover you for taking one trip away. Annual policies, including those offered by Go Travel Insurance, allow you to take an unlimited number of holidays so long as they aren’t any longer than 45 days each. On the flip side, one-way travel insurance only covers you if you don’t have a return ticket home booked.

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Disclaimer:
We do not compare all travel insurance brands currently operating in the market. Any advice presented above or on other pages is general in nature and does not consider your personal or business objectives, needs or finances. It’s always important to consider whether advice is suitable for you before purchasing an insurance policy.

Savvy earns a commission from our partners each time a customer buys a travel insurance policy via our website. We don’t arrange for products to be purchased from these brands directly, as all purchases are conducted via their websites.

Before purchasing your policy, we recommend you refer to the provider’s PDS for any further information on the terms, inclusions and exclusions.