Go Insurance Reviews 

Specialist travel insurance for New Zealand travellers.

Go Insurance does one thing. Not a bank, not an airline, not a general insurer with a travel product on the side. Travel cover is the whole business.

What we cover

Our leisure travel insurance comes in three cover levels - Go Basic, Go Plus and Go Elite - as single trip or annual multi-trip policies. Go Ultra sits above them for higher-value trips. We also write group travel insurance and corporate travel insurance, along with specialist cover for sailing, destination weddings and dental travel.

Every policy includes overseas medical expenses and repatriation, personal liability, COVID-19 overseas medical and travel expenses, and 24-hour emergency assistance.

Build the policy around your trip

Cancellation and curtailment, property, disruption and legal expenses are optional modules you can add or remove. Add only the extensions your trip needs - snow sports, golf, water sports, cruise or business. Take out what you do not need and the premium comes down. We call it bespokability.

Existing medical conditions and older travellers

Many existing medical conditions are assessed automatically during the quote, with a clear answer before you commit and no extra cost where eligible. Conditions outside those parameters go to our underwriting team for individual review, where an additional premium may apply. We consider travellers up to age 89 through automated quoting or in-house medical screening, and beyond that by individual referral. We have a medical specialist on staff.

Sports, activities and adventure travel

A long list of activities is automatically covered on an amateur or recreational basis - hiking, cycling, snorkelling, surfing, kayaking, bungy jumping, quad biking and more. Snow sports, scuba diving, golf and water sports are available as extensions rather than reasons to decline you. Snow sports cover includes equipment, lift passes and lessons, and piste closure or avalanche cover at your pre-booked resort.

Cancel For Your Reason (CFYR)

Available on Go Ultra, Cancel For Your Reason reimburses up to 75% of your non-refundable trip costs, to a maximum of $50,000, when you cancel for a personal reason standard cancellation cover does not include. It must be added when the policy is issued, within three days of your first trip payment, and at least seven days before departure. You need to cancel at least 48 hours before your scheduled departure. It does not cover cancellations caused by events outside your control such as government actions, travel bans or border closures.

Claims and emergency assistance

Go Insurance New Zealand is supported by our own team in Brisbane. Your claim is assessed by us, not handed to a third-party administrator or an outsourced call centre, and the people assessing it work alongside the people who wrote the policy. That is why we can give straight answers on complicated claims. Emergency assistance runs 24 hours a day on +64 918 2505. Full contact details are on our contact and emergency assistance page.

Buying a policy

Quote and buy online in a few minutes, or through a travel agent or broker using Oskar, our policy issuance platform. Cover is issued as soon as you pay, with your Certificate of Insurance and policy documents sent electronically. Group and corporate policies are quoted individually by our team rather than bought online.

Questions before you buy? Call us on 0800 082 647. Travelled with us already? We read every review here - the good ones and the difficult ones.

Go Insurance is a registered trading name of Go Unlimited Pty Ltd, coverholder at Lloyd's. Policies are underwritten by certain underwriters at Lloyd's. Lloyd's holds financial strength ratings of A+ (Superior) from A.M. Best, AA- (Very Strong) from S&P Global and AA- (Very Strong) from Fitch Ratings. Benefit limits, conditions and exclusions apply to every section referred to above. The information here is factual information only. It is not financial advice and does not take into account your objectives, financial situation or needs. Read the policy wording at goinsurance.co.nz/policy-wordings before deciding whether this insurance is right for you.

Cancel a Go Leisure policy within 21 days of issue and we will refund everything you paid.

Three things need to be true: your trip has not started, no claim has been made, and you cancel within the 21 days.

After that you can still cancel any time in writing. We refund the unused portion of your premium, less our administration costs and any taxes or charges we cannot recover.

Full terms are in the policy wording.