Go Elsewhere - Thumbs Down Insure and Go

It’s now July, while on a domestic holiday to Melbourne with my husband I had a fall, 28th March 2019. This resulted in a 3 week hospital admission. We were on the 2nd day of a 6 night holiday. After making a claim followed by me requesting a review, regarding their decision – then another, their process escapes any logic. I’m still waiting for their answer of the 2nd request to try to understand their decision. I was assured it would be addressed last week. I have sent emails and made phone calls and simply been “put off” time and time again. Yet when I was in hospital for 3 weeks we were harassed daily for updates by email and phone calls. We have paid a total excess of $400. Insure and Go decide what event category your claim fits under. Our excess was $100 per person, per event. For example, my Husbands claim of $124.90 apparently covered 2 events – (1 event for $17.50 the other $107.40) incurring a $200 excess.Stay with me on this –our claim was for $124.90 - deemed to encompass 2 events resulting in a $200 excess.It’s now cost us $324.90. So he’s in the red to Insure and Go by $75.10 this they recovered by deducting from my proportion of the claim – really! Result we paid our receipted expenditure of $124.90 plus $75.1. Our claim was for a total of $3023.08. Medical expenses were covered by Medicare. We paid a premium of $145.89. A deduction was made from our claim: by Insure and Go for their “acknowledged” expenses was an excess of $400. The actual reimbursement we received (after 2 attempts) totaled $360.99. All receipts and documentation, as requested, was submitted supporting our claim. Seriously who in their right mind would take out Travel Insurance with Insure and Go. They promote Easy claims – they say they cover unexpected – unbudgeted expenses. Sorry this is not our experience. We are extremely disappointed and would definitely not recommend Insure and Go.

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