Insurancewith Travel Insurance Review

Ronny Lavie By

Key policy features

  • Specialist cover for pre-existing medical conditions

  • Medical expenses up to £10m

  • Discounts available and kids go free on family policies

Find out if Insurancewith made it into our list of the best travel insurance cover for medical conditions.

Insurancewith is one of Travel Insurance Facilities' (TIF) brands. In November 2018, The Times reported on a number of allegations made by customers against TIF.

TIF says that the allegations made by The Times are completely false. It has taken legal action and brought a defamation claim against the newspaper.

TIF states that it has long-campaigned for a better understanding of travel insurance, and will continue to do so. It refers to its educational campaigns at www.travelinsuranceexplained.co.uk as well as its dedicated philosophy and ethics information at www.tifgroup.co.uk/about/our-philosophies.

Read on to learn more about:

What types of insurance does Insurancewith offer?

Insurancewith is a specialist travel insurance provider, offering cover for people with pre-existing medical conditions, including cancer, cystic fibrosis and diabetes.

Insurancewith has four levels of travel insurance to choose from:

Emerald Cover

This policy includes: £10m medical cover, £500 for emergency replacement of prescribed medication, £800 for missed departure, £2,000 possessions cover, £2,000 for clothes and footwear, £150 for luggage, £300 for electrical items and photographic equipment, £3,000 for mobility equipment, £250 cash cover, £300 passport cover, £10,000 accidental death benefit, £10,000 for permanent loss of sight or limb, £10,000 for permanent total disablement and £25,000 for legal advice.

A £75 excess fee applies to some claims.

Sapphire Cover

This policy includes the same level of cover as the Emerald policy, plus £3,000 if you are unable to go on your trip, £1,000 if your scheduled airline stops trading, £3,000 if you choose to cancel after a 24-hour delay and £3,000 if you have to come home early.

A £75 excess fee applies to some claims.

Diamond Cover

This policy includes the same level of cover as the Sapphire policy, but no excess applies to any of the claims.

Platinum Cover

This policy includes: £10m medical cover, £750 for emergency replacement of prescribed medication, £5,000 if you are unable to go on your trip, £1,500 if your scheduled airline stops trading, £1,000 for missed departure, £5,000 if you have to come home early, £3,000 possessions cover, £3,000 for clothes and footwear, £300 for electrical items and photographic equipment, £3,000 for mobility equipment, £350 cash cover, £500 passport cover, £15,000 accidental death benefit, £15,000 for permanent loss of sight or limb, £15,000 for permanent total disablement and £50,000 for legal advice. No Excess applied to any of the claims.

Insurancewith offers separate policies for cruise, winter sports and long stay insurance.

See how Insurancewith compares to other providers in our list of the Best Travel Insurance Providers.

What optional extras are available from Insurancewith?

Insurancewith offers several extensions to all its policies, including: a golf extension, a fishing extension and a wedding extension.

How easy is it to get a quote from Insurancewith?

The screening process to get a quote online with Insurancewith is a little convoluted, but that is to be expected of a specialist insurer offering cover for pre-existing medical conditions.

Travellers who declare that they have a pre-existing condition must enter their height and weight for a BMI calculation and enter all the medication they take on a regular basis (if you are not taking any medication for your condition, you can skip this step).

The next step of the quote process is to declare your medical condition. You will then have to answer questions relating to that condition (such as whether it has caused you to be admitted to hospital in the last 12 months and how it affects your fitness levels). If you have more than one condition, you will have to add and answer questions about each condition separately.

Depending on how many medical conditions you have, the process will take a few minutes to complete online.

If your medical situation is complex, you might be advised you have to complete your quote process by calling Insurancewith’s specially trained medical screening team or by emailing your details to the team (someone will get back to you once you do).

You can also choose to contact the company by phone instead of obtaining a quote online if you prefer. Insurancewith can be reached on 0203 6427 581 and lines are open Mon-Fri 8am-8pm Sat 9am-5pm.

How much does cover from Insurancewith cost?

The cost of travel insurance varies widely depending on the personal details of the person travelling, the duration of the trip and the destination.

As Insurancewith specialises in offering cover for pre-existing medical conditions, providing a useful quote prediction is even harder, as each traveller’s specific conditions are likely to affect the cost of the premium.

Does Insurancewith cover over 65s, 70s and 80s?

Multi-trip insurance only covers people up to the age of 74. However, the company’s single trip insurance policies have no age limit.

Insurancewith long stay and backpacker cover is only available to people up to the age of 55.

Does Insurancewith cover terminal conditions?

Insurancewith judges each case on its own merits and tries to offer insurance to everyone who applies. The company does offer insurance to those with a terminal prognosis, though they may restrict the destinations for travel to ensure the safety of those travelling.

Are discounts available for insurance from Insurancewith?

Yes:

  • Discountonline.co.uk are offering a few different discounts for Insurancewith products, including 45% off site-wide, £25 off eligible orders and £45 off insurance
  • Insurancewith’s own website is offering 15% off to customers who purchase their policy online. The company also offers discounts for couples, single parents and families (exact amounts for this were not specified on the Insurancewith website), and kids under 18 go free on family policies.

Insurancewith customer reviews

On Trustpilot, Insurancewith received 5 out of 5 stars and a score of 9.5 out of 10, giving it a rating of Excellent (based on over 2,100 reviews).

Expert reviews of Insurancewith

Fairer Finance has given Insurancewith’s Emerald policy 1 out of 5 stars, and its Sapphire, Diamond and Platinum policies 4 out of 5 stars (for both single trip and annual multi-trip).

Independent financial researcher Defaqto rated Insurancewith’s Platinum and Diamond policies as 5 Star, its Sapphire policy as 4 Star and the company’s Emerald policy as 3 Star for single trips. For annual multi-trip, Defaqto rated Insurancewith’s Platinum policy as 5 Star, its Diamond policy as 4 Star and its Sapphire and Emerald polices as 3 Star.

A Star Rating indicates where a product or proposition sits in the market based on the quality and comprehensiveness of the features it offers.

A 5 Star rated policy has “an excellent product with a comprehensive range of features, a 4 Star rated policy “has a good level of features and benefits” and a 3 Star rated policy has “an average level of features and benefits”.

How to make a claim

To make a claim under the gadget and mobile phone policy, call Supercover Claims on +44 (0) 2037 949 297.

To make a claim under the trip disruption policy, contanct MGACS Claims on +44 (0) 203 540 4422 or email a member of the team on claims@affirmainsurance.com.

To make a claim under any other part of the policy, fill out the online claim form on the Insurancewith website. Insurancewith aims to process all claims within 5-10 working days of the receipt of the fully completed claims form.

You can also make a claim by calling Insurancewith’s Travel Claims Facilities on 02038 296 761 or by emailing claims@tif-plc.co.uk (someone from the claims team will get back to you within 48 hours).

A 24/7 emergency assistance line is also available on 0203 829 6745.

Other services available from Insurancewith

As well as specialist Travel Insurance, Insurancewith offers a range of other insurance products, including Gadget, Life, Pet and Leisure Insurance. The company also offers Holiday Extras, which includes airport hotels, parking and lounges, airport rail travel and port parking.
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