Insure&Go

What Insure&Go does

Insure&Go (legally Europ Assistance Australia Pty Ltd) is an Australian travel insurance specialist founded in 2012 and headquartered in Sydney, operating as the consumer-facing brand of Europ Assistance Group. The company distributes travel insurance policies direct-to-consumer via a digital-first platform (online quote, purchase, and claims portal) supplemented by an inbound call centre, and sells modular products including Single-Trip, Annual Multi-Trip, Cruise, Domestic, Seniors, Family, Pregnancy, Student, and Non-Australian Resident cover across three tiers (Bare Essentials, Silver, Gold). Underwriting and a 24/7 global emergency assistance network of 750,000+ providers across 200+ countries are provided by parent Europ Assistance.

The platform is a quote-to-claim SaaS-style stack: customers obtain a quote online or by phone, select tier and add-ons (Winter Sports, Activities Plus, Natural Disasters, Covid-19, pre-existing medical conditions), and submit claims through an online portal or by email/post, with medical assessment handled via an online questionnaire rather than upfront certificates. Marketing is concentrated in organic search, review platforms (Trustpilot 4.7/5, ProductReview 4.3/5, Google 4.3/5), a travel content hub, and Facebook/Instagram social channels.

The business model is premium-based B2C insurance revenue, priced per trip or per annual multi-trip policy, with upsell from add-ons and adjustments via excess levels ($0/$100/$200). Customers are primarily Australian outbound leisure travellers spanning individuals, couples, families, seniors, students, and backpackers; coverage is available to non-Australian residents subject to geographic restrictions. Headcount is 101–250 employees, and the company has covered 2M+ Australians since inception with 1.6M travellers served per year.

Name

Insure&Go

Legal name

Europ Assistance Australia Pty Ltd

Website

https://insureandgo.com.au

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

101–250 employees

Short description

Insure&Go is an Australian travel insurance specialist (est. 2012) and subsidiary of Europ Assistance Group, offering single-trip, annual multi-trip, cruise, and demographic-specific policies direct-to-consumer online and via phone, backed by a 24/7 global emergency assistance network across 200+ countries.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Direct Property and Casualty Insurance Carriers (524126), Insurance Carriers and Related Activities (524)

SIC

Accident & Health Insurance (6321), Fire, Marine & Casualty Insurance (6331)

akta.pro primary industry

Travel & Accident (Non-Life) Insurance (FSAJAMAN)

akta.pro secondary industries

Travel Insurance & Protection Products (Cruise-Specific) (THAEAFAL), Travel Medical Insurance (Individual) (FSAIAEAI), Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL), International Student Health & Travel Insurance (EDAIAMAA)

Keywords

• Travel insurance
• International trip coverage
• Pre-existing medical cover
• Emergency assistance network
• Annual multi-trip insurance

Headquarters

HQ city

Sydney

HQ country

Australia

HQ region

Oceania

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Personnel, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Single-Trip Travel Insurance: One-time insurance policies covering individual trips with three levels of cover (Bare Essentials, Silver, Gold). Premiums vary based on destination, duration, traveller age, and optional add-ons.
2. Annual Multi-Trip Travel Insurance: 12-month policies covering unlimited trips with trip duration limits of 30, 45, or 60 days per trip. Provides ongoing revenue from frequent travellers.
3. Optional Policy Upgrades: Additional premium charges for optional add-ons including Winter Sports, Activities Plus, Business Cover, Natural Disasters, and additional specified items.
4. Pre-existing Medical Condition Coverage: Additional premium charges for travellers with pre-existing medical conditions that require coverage after medical assessment
5. Excess Options: Customers can choose excess levels ($0, $100, $200) which affects premium pricing

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels7 records

Core offering

Insure&Go sells Australian consumer travel insurance policies covering international and domestic trips. Its core offerings are Single-Trip, Annual Multi-Trip, Cruise, and Domestic Travel Insurance, available across three coverage tiers (Bare Essentials, Silver, Gold) and customised with add-ons such as Winter Sports, Activities Plus, Natural Disasters, Covid-19, Rental Car Excess, and Pre-existing Medical Conditions. Specialty products are marketed for seniors, families, pregnant travellers, students, and non-Australian residents, with all policies underwritten by Europ Assistance Australia and supported by 24/7 emergency assistance worldwide.

Product overview

InsureandGo Australia is a travel insurance specialist operating since 2012, offering a modular travel insurance platform with three coverage tiers (Bare Essentials, Silver, Gold) as the foundation. The core products include Single-Trip, Annual Multi-Trip, Cruise, and Domestic travel insurance policies. These can be customized with optional add-ons such as Winter Sports, Activities Plus, Natural Disaster, and Covid-19 coverage. The company also offers specialized products for specific demographics (Seniors, Students, Families, Pregnancy) and destination-specific policies for Fiji, Asia, Europe, USA, Bali, New Zealand, Thailand, and Singapore. All policies include access to a 24/7 global emergency assistance network backed by Europ Assistance, with coverage for 150+ sports and activities, pre-existing medical conditions assessment, and rental car excess waiver. The products are distributed online and through call centers, with claims processed through an online portal or email.

Differentiator

Problem solved

Functional benefit

Products and services

• Single-Trip Travel Insurance One-time travel insurance for individual one-way or return trips covering overseas medical expenses, trip cancellation, lost baggage, and travel delays, available across Bare Essentials, Silver, and Gold coverage tiers. Designed for Australian residents taking a single international or domestic trip.
• Annual Multi-Trip Travel Insurance 12-month travel insurance covering unlimited international trips with per-trip duration options of 30, 45, or 60 days, suited to frequent travellers. Available across Bare Essentials, Silver, and Gold tiers.
• Cruise Travel Insurance Specialised travel insurance for cruise holidays covering trip cancellations, missed departures, medical expenses, lost baggage, and cruise-specific disruptions including medical evacuation from sea. Available to travellers up to age 79.
• Domestic Travel Insurance Travel insurance for Australian domestic trips covering trip cancellation, rental vehicle excess, lost or stolen luggage, and disruptions caused by natural disasters.
• Seniors Travel Insurance Specialised travel insurance for Australian travellers aged 65-100, covering pre-existing medical conditions and offering cruise cover up to age 79. Awarded Best for Seniors Travel Insurance by WeMoney in 2025.
• Family Travel Insurance Travel insurance covering two adults in a partner relationship and their dependent children, with children under 18 travelling free when accompanied by a parent or guardian.
• Pregnancy Travel Insurance Travel insurance covering complications of pregnancy prior to the 31st week of pregnancy, with cancellation cover if travelling while more than 30 weeks pregnant (single baby) or 20 weeks (multiple babies).
• Student Travel Insurance Travel insurance designed for students including backpacker coverage up to 12 months, with up to $15,000 student loan cover, 150+ covered activities, and a 21-day cooling-off period.
• Non-Australian Resident Travel Insurance Travel insurance designed for non-Australian residents visiting or travelling from Australia to international destinations.

Quantifiable outcome

• 2+ million Australians covered since 2012
• +6 more outcomes

Named customers3 records

Segments6 records

Ideal customer profiles6 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• Europ AssistancecoreTechnology or IntegrationPrimary underwriter and strategic partner providing the insurance backing and global emergency assistance network. Europ Assistance Australia Pty Ltd (ACN 140 219 594, AFSL 552106) underwrites the insurance products and provides access to a network of 750,000+ assistance providers across 200+ countries. In 2019, Europ Assistance helped 1.2 million travellers worldwide.

Scale indicators6 records

Recent moves2 records

Expansion highlights5 records

Direct peers

• Cover-More Travel Insurance: Cover-More is one of Australia's largest dedicated travel insurance brands, selling single-trip, annual multi-trip, and specialty travel cover (cruise, domestic, seniors) direct to consumers. It competes head-to-head with Insure&Go on product breadth, brand awards, and digital D2C distribution in the Australian market.
• Fast Cover Travel Insurance: Fast Cover is an Australian direct online travel insurer focused on price-competitive single-trip and annual policies with tiered cover. It targets similar Australian outbound leisure travelers and competes primarily on price and digital convenience.
• World Nomads: World Nomads is a global travel insurance brand built for adventurous and long-stay travelers, with strong appeal to backpackers and students. It overlaps with Insure&Go's student/backpacker and adventure sports niches and competes in the same digital D2C channel.
• 1Cover Travel Insurance: 1Cover is an Australian travel insurance specialist operating a direct-to-consumer model with tiered cover and add-ons for pre-existing conditions, cruise, and adventure activities. It targets a similar Australian outbound traveler persona and competes on price, coverage breadth, and online convenience.
• Southern Cross Travel Insurance (SCTI): SCTI is a specialist Australasian travel insurer offering single-trip, annual multi-trip, and group cover to Australian and New Zealand residents. It is directly comparable in product structure and target customer, and competes in the same award and review-driven brand positioning.
• Travel Insurance Direct (TID): Travel Insurance Direct is an Australian online travel insurance provider owned by Auto & General, offering single-trip and annual multi-trip policies with tiered cover. It is a direct D2C competitor with similar product positioning and digital distribution.
• Budget Direct Travel Insurance: Budget Direct is an Australian direct insurer offering travel insurance as part of its broader personal lines portfolio, competing on price in the online channel. It addresses the same budget-conscious Australian outbound traveler segment as Insure&Go's Bare Essentials tier.

Emerging players

• Columbus Direct: Columbus Direct is a UK-origin online travel insurance specialist offering single-trip and annual policies direct to consumers. While not a major Australian player, it is directly comparable as a digital-first specialist in the broader travel insurance category.

Broad incumbents

• Allianz Travel Insurance (Australia): Allianz Travel is part of the global Allianz Group and offers travel insurance as part of a broader general insurance portfolio in Australia, including bundled offerings through airlines and travel agents. It competes with Insure&Go on brand, scale, and distribution partnerships, but as a multi-line carrier rather than a pure-play specialist.
• QBE Insurance Australia: QBE is one of Australia's largest general insurers, offering travel insurance as part of a broad personal lines portfolio alongside home, motor, and commercial cover. It competes in travel insurance through its own D2C channel and partner/bundled distribution, but as a multi-line incumbent rather than a dedicated specialist.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/InsureandGoAustralia
• Instagraminstagram.com/insureandgoau
• LinkedInlinkedin.com/company/insure-and-go-australia

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Insure&Go