InsureandGo promo codes and coupon codes in November 2026

When two or more adults travel together on a Couple or Family policy, each adult gets 10% off the standard individual premium for their level of cover. The discount comes off before the group price is worked out, so it applies at every level from Bare Essentials to Gold.

It doesn't apply to a parent travelling alone with their kids, who are covered free instead. If you and your partner are taking the same trip, one shared policy beats two separate ones, since buying alone means missing the 10%.

Dependent children and grandchildren under 18 are covered at no extra cost when they travel with a parent or grandparent and are named on the policy. A child's pre-existing medical condition may add a charge, and kids under 16 need full adult supervision for the whole trip.

A Couple policy doesn't include children, so pick Family, or Single if you're the only adult. Babies born overseas during the trip aren't covered.

For a family of four on a Family policy, you pay for two adults, each at 10% off, and nothing for the two kids. That makes it one of the cheaper ways we've found to insure a family holiday.

An Annual Multi-Trip policy covers multiple overseas trips over 12 months, as long as each one starts and ends in Australia and stays within the maximum trip length you pick (30, 45 or 60 days, depending on your age and region). You don't need to tell them about each trip.

• It covers international travel only, so domestic trips need a separate policy.

• You must buy it while you're in Australia, up to 12 months before your first trip.

• A trip longer than your chosen limit isn't covered.

Based on our research, it starts paying off from about two overseas trips a year. Set the trip length to suit your longest planned trip, not your average one.

There are three levels of cover. Bare Essentials handles the basics, including overseas medical, cancellation and baggage. Silver adds a higher cancellation limit and travel delay cover, while Gold has the highest limits plus extras such as special events and pet care. Rental car excess cover only comes with Silver and Gold.

Based on our research, rental desks usually charge their excess reduction per day, so on a longer car hire Silver can work out cheaper than adding it at the counter. Gold earns its price mainly on expensive prepaid trips or when you're carrying high value luggage.

The default excess is $200 per person, per event, and you can lower it to $100 or $0 during your quote for a higher premium. If you rarely claim and mainly want protection from big medical or cancellation costs, keeping the $200 excess keeps your premium down. A lower excess makes more sense for families, as it applies to each person who claims.

You can have your quote emailed and buy it any time within 30 days, as long as no traveller's age changes before you pay. If you applied an InsureandGo promo code, it has to still be valid when you buy, or the price goes back to full. Buy before the code ends, and before any traveller's birthday if one falls inside that 30 days.

Cancellation cover starts the moment you buy your policy, not the day you leave. Buying early protects your prepaid flights, hotels and tours if you have to cancel for a covered reason, such as serious illness or injury. Leaving it until the week you fly leaves months of prepaid bookings unprotected.

More than 150 sports and leisure activities are covered automatically. Upgrades for winter sports, Activities Plus, business, natural disasters and extra specified items cost more, so add them only when your trip needs them. Natural disaster cover only applies if you buy that upgrade, which makes it worth having on trips to regions where bushfires, cyclones or eruptions can upend plans.