Specialist travel insurance for cruises, sport, events and work
Specialist travel insurance from Go Insurance adds cover a standard policy doesn’t include, from ocean cruises and ski trips to weddings overseas, sailing and business equipment.
Some options you add in your quote. Others, like sailing, destination weddings, group and corporate travel, we quote after you apply.
How specialist cover works
Read the PDS, which includes our Financial Services Guide.
Optional covers for activities and trip types
Select these when you get a quote, or call us to add one to an existing policy.
Cruise
Required for any ocean or sea cruise, including medical and ship-to-shore evacuation. Adds missed shore visits, cabin confinement and pre-paid excursions. Optional for river cruises.
Snow Sports
Needed for skiing and snowboarding, including overseas medical costs on the slopes. Covers your gear, unused lift passes and lessons, and resort closures.
Water Sports
Covers your own or hired surf, dive and snorkel gear, unused boat hire, and passes, lessons and excursions lost to bad weather.
Golf
Covers your own or hired clubs, replacement hire if they’re lost or delayed, and unused green fees.
Business
Covers a work laptop or other business equipment, business documents, business money and a replacement employee on a leisure trip.
Sports and leisure
Many recreational sports and activities are covered without an add-on. Check the full list and any conditions before you go.
Extra protection for your plans
Go Ultra with Cancel For Your Reason (CFYR)
An upgrade on Go Ultra that lets you cancel for a personal reason the standard policy doesn’t cover. It pays up to 75% of your non-refundable costs. It must be bought at the same time as your policy, and it isn’t cover for war, conflict or disasters.
War and Armed Conflict Disruption Cover
If a new and unexpected war or armed conflict starts while you’re travelling, Part A medical and personal accident cover applies automatically. Part B adds extra accommodation and travel costs. It doesn’t cover known or ongoing conflict, or Do Not Travel destinations.
Cover we assess and quote for you
These need an application or proposal. Our team assesses it and confirms the cover.
Sailing
For crewing, skippering, yacht charters and regattas. Covers sailing gear, your charter excess, a replacement crew member and liability while sailing. Racing and offshore sailing on request.
Destination Wedding
For getting married overseas. Covers wedding cancellation and rearrangement, attire and rings, photography, gifts, flowers, cake and transport.
Group Travel
One policy for 10 or more people on the same trip, such as school tours, sporting teams and conference groups.
Corporate Travel
One annual policy for a business whose employees travel for work, quoted by our underwriters.
Specialist travel insurance: frequently asked questions
What travellers most often ask about adding specialist cover.
What is specialist travel insurance?
It’s cover for things a standard travel policy leaves out or limits, such as ocean cruises, skiing and snowboarding, sporting equipment, business equipment, sailing and weddings overseas. With Go Insurance, most specialist covers are optional extras added to your policy.
Which specialist covers can I add in my quote?
Cruise, Snow Sports, Water Sports, Golf and Business can be selected when you get a quote, on any plan level. Cancel For Your Reason (CFYR) is an upgrade on Go Ultra. Part B of War and Armed Conflict Disruption Cover is also optional.
Which ones need an application?
Sailing and Destination Wedding cover need an application form. Group and corporate travel are quoted after you request a proposal. Our team assesses each one and confirms the cover.
Can I add specialist cover after I’ve bought my policy?
Most optional covers can be added later. Call us on 1300 819 888. CFYR is the exception: it must be bought at the same time as your Go Ultra policy. Any cover only applies once it’s on your Certificate of Insurance.
Do I need specialist cover to go skiing?
Yes. Snow sports are excluded unless you add Snow Sports cover, and that includes overseas medical costs for injuries on the slopes. Recreational ice skating, curling and tobogganing are the exceptions.
Do I need Cruise cover for a river cruise?
No. Cruise cover is required for ocean or sea cruises. It’s optional on a river cruise if you want its extra benefits, such as missed shore visits and cabin confinement.
Are sports covered without an add-on?
Many are. Recreational and amateur sports and activities are covered automatically, including school, club and college fixtures, subject to the conditions in the PDS. Add-ons cover your equipment and prepaid costs. Representative or higher-level competition needs to be declared to us first.
What if my activity or trip isn’t listed here?
Contact our team. Call 1300 819 888 or email sales@goinsurance.com.au and tell us what you’re planning. We’ll assess it and let you know whether we can cover it, and on what terms.