Go Insurance For International Travel

International Travel can be one of life's most rewarding experiences. Whether you are travelling on a holiday to experience a new country, its culture and cuisine or just travelling on a business trip it is important these days to ensure that you travel with the appropriate travel insurance cover for your particular trip.

Go Insurance are at the forefront of innovation when it comes to travel insurance in the Australian marketplace. Their policies give Australian residents the opportunity to tailor their travel insurance policy to suit their planned trip by either adding or excluding cover that you may decide you do not need. The end result is that you end up purchasing a policy that covers you for your specific trip with the travel insurance cover that is important to you.

Three International Travel Insurance Options

Go Insurance flexible leisure policies are available in three levels of cover. Depending on the level of benefits that you decide upon you can choose from either

• Go Elite (Top cover)
• Go Plus ( Mid-tier cover )
• Go Basic ( Budget friendly cover ).

No matter which level of cover you decide upon the cancellation cover for your trip can be set from a total of $1,000 cancellation cover in increments all the way up to unlimited cancellation cover. The cancellation cover chosen should cover the total cost of the trip for all travellers on the policy.

With Go Insurance you also have the flexibility to choose the excess that you are willing to pay in the event of a claim. You can choose either a $100, $ 200, $ 300 or a nil excess which will vary your premium accordingly depending on which excess that you choose.

Who Can Purchase An International Leisure Policy.

If you are an Australian Resident you can purchase a policy if you are up to 74 years of age at the time of purchase. You must be travelling on a return basis ( departing from and returning to Australia and meet the following criteria. You must have a permanent residential address in Australia and retain Australian residency for the duration of your trip. You must be overseas for no more than 18 months from the date you first depart Australia and you must have unrestricted right of entry into Australia. You must have access to long term medical care in Australia ( excluding care under reciprocal health care agreements ) and you must return to Australia on the policy end date.

If You are a Non Permanent Resident Of Australia you can also purchase a policy if you are up to 74 years of age at the time of purchase. You must have lived in Australia for at least three months prior to purchasing the policy. You must hold a valid visa granting you entry to stay in Australia and you will be overseas for no more than 18 months from your original departure date.

Further details on the eligibility to purchase a policy appear in the Product Disclosure Statement ( PDS )

You Can Choose To Include Additional Cover

Go Insurance gives you the flexibility to add additional cover options depending on the type of trip you are planning. For example if you are going on a cruise you can add a cruise cover option which provides cover for medical expenses, pre paid excursions, missed shore visits, missed port connections, cabin confinement and formal attire. For full details and exclusions, please read the Product Disclosure Statement ( PDS ).

Below is a list of the additional cover options you can add to your policy ;

• Snow Sports Option
• Cruise Cover Option
• Golf Cover Option
• Water Sports Option
• Business Cover Option

For full details and exclusions related to the additional options listed above please read the Product Disclosure Statement ( PDS ). You will also be able to view a summary of these additional options and choose your preference as part of getting your quote.

You Can Choose to Exclude Certain Categories Of Cover

Go Insurance are one of the only travel insurers that allow you to exclude cover that you may not need. This means you are not charged for cover that you decide you may not require. For example if you are not hiring a car on your planned trip ( Go Elite and Go Plus policies only ) you can choose to remove the vehicle hire excess cover as part of the Legal Cover option.

The three cover options you can choose to remove are ;

• Property Cover Option which includes Personal Property, Emergency Purchase and Personal Money
• Disruption Cover which includes Delayed Flights and Missed Connections, Hijack, Special Events, Insolvency Of Travel Provider and Domestic Pets
• Legal Cover which includes Legal Expenses, Vehicle Hire Excess and Return Of Hire Vehicle.

Please note that if you choose to exclude one of the three Options above you will remove all the listed categories of cover included in that option.

Cover For Existing Medical Conditions

An important consideration when purchasing travel insurance is to ensure if possible that you get cover for existing medical condition/s you may have.

Pre Existing Medical Conditions fall into three categories :

1. Conditions that are automatically covered.
2. Conditions that must be declared ( either always or based on timing )
3. Conditions that cannot be covered under any circumstances

If you have a Pre-Existing Medical Condition, you must follow these steps before purchasing your policy :

1. Check the Automatically Covered Conditions list in the Product Disclosure Statement (PDS). If your condition is listed and you meet all the eligibility criteria, you do not need to declare it.
2. If you have a medical condition that is not automatically covered, you'll need to declare it and complete a quick medical screening before purchasing. Go Insurance will review your details and let you know if cover can be offered. If they're unable to provide cover for your condition, they'll let you know so that you can explore other options.

Go Insurance will assess your medical screening and confirm whether they are able to offer cover. If confirmed there may be an additional premium to pay.

For further details please carefully read the Existing Medical Conditions section of the Product Disclosure Statement ( PDS ).

Need further assistance with your travel insurance?

Travel Insurance Services look forward to assisting you with the range of Go Insurance products. You can get a quote by clicking either the orange Get An Instant Quote button above, or the blue Get A Quote Emailed button above.

If you have any additional queries you can always email us via our contact form, or call us on 1300 851 565.