InsureandGo Travel Insurance review

Ronny Lavie By Ronny Lavie

Key policy benefits:

  • Four levels of cover to choose from (three for single trip)
  • Winter sports cover included
  • Cover for medical conditions available
  • Kids go free on family policies

Summary

InsureandGo was founded in Essex in 2000 and is now based in Bristol. It is owned by Spanish insurance company Mapfre and has operations in Ireland, France, Australia and the US, as well as the UK.

See how InsureandGo compares with the providers in our list of the 10 best travel insurance companies.

An overview of the cover provided by InsureandGo Travel Insurance

InsureandGo offers a range of policies, including single and multi-trip cover, backpacker, cruise, winter sports and pre-existing medical condition travel insurance.

Most of these policies have four levels of cover to choose from – Budget, Silver, Gold and Black (the latter is only available for annual multi-trip policies).

There is no age limit on its policies, although there are restrictions on cover for those aged 66 and over, such as the length of time you can travel. InsureandGo does offer a separate policy for over 65s, although it is likely to have some restrictions.

Items like mobile phones are included in InsureandGo policies as 'valuable items', which means they can have separate cover limits. Valuables are not covered if they are taken from an unattended car unless they're in locked boot or luggage compartment, or if they're stored in the hold during a flight.

InsureandGo also deducts 10% of claims for individual items worth over £100.

Its policy documents also say cover for personal belongings, money and passports only applies if it is shown on your validation certificate, which you will receive once you have paid for your policy, so double check what is included before you leave.

Unlike many travel insurers, InsureandGo does not mention terrorism as an exclusion in its policy documents. There may be other clauses that apply to terrorism so it's worth checking with them to see if it is covered. Find out more with our guide to travel insurance with terrorism cover.

Check out our guide to the best travel insurance companies to see how InsureandGo compares to other providers.

Here are some of the limits for each level of cover:

Budget cover

  • £1,000 cover for baggage
  • £1,000 cancellation cover
  • £5,000,000 for medical expenses
  • £200 for delayed departure
  • £200 personal money cover
  • Winter sports cover for a maximum of 10 days in a 12 months term (for annual cover only. Optional extra for single trip)
  • Max days per trip: 31 days for annual cover and 365 for single trip (31 days per trip for those aged 66 or over)
  • A £100 excess applies

There is a single item and valuable item limit of £100 with the Budget policy. That means this policy will not cover individual items, like a mobile phone, worth more than £100. So although there's up to £1,000 cover for baggage, a claim that big would only be paid out if it was made up of lots of items under £100.

And then there is the relatively high excess of £100, which you'd have to pay on a claim for personal items.

The Budget policy might not be the best if you're worried about cover for expensive items like jewellery or tablets.

Silver cover

  • £2,000 cover for baggage
  • £5,000 cancellation cover
  • £10,000,000 for medical expenses
  • £500 for missed departure
  • £500 hijack cover
  • £200 personal money cover
  • Winter sports cover for a maximum of 17 days in a 12 months term (for annual cover only. Optional extra for single trip)
  • Max days per trip: 45 days for annual cover and 365 for single trip (31 days per trip for those aged 66 or over)
  • A £60 excess applies

The single and valuable item limit for the Silver policy is £200, which still may not cover newer phone models.

Gold cover

  • £2,500 cover for baggage
  • £7,500 cancellation cover
  • £15,000,000 for medical expenses
  • £540 for delayed departure
  • £1,000 for missed departure
  • £500 hijack cover
  • £500 personal money cover
  • Winter sports cover for a maximum of 24 days in a 12 months term (for annual cover only. Optional extra for single trip)
  • Max days per trip: 90 days for annual cover and 365 for single trip (31 days per trip for those aged 66 or over)
  • A £50 excess applies

The Gold policy has a single item limit of £300 and a valuable item limit of £400.

Black cover

  • £3,000 cover for baggage
  • £10,000 cancellation cover
  • Unlimited cover for medical expenses
  • £650 for delayed departure
  • £1,500 for missed departure
  • £1,000 hijack cover
  • £750 personal money cover
  • Winter sports cover for a maximum of 24 days in a 12 months term
  • Max days per trip: 90 days (31 days per trip for those aged 66 or over)
  • No excess applies to this policy

The single item limit for Black cover is £500 and the valuable item limit is £600, which compares well with other travel insurers.

Cover for business, cruise and golf is available as an optional extra for an added premium for the Silver, Gold and Black policies.

Does InsureandGo cover pre-existing medical conditions?

InsureandGo covers some pre-existing conditions, subject to a medical screening. These can only be declared and considered for cover with InsureandGo’s Silver, Gold and Black policy options (both for single trip and annual cover).

It won't offer cover if:

  • You’re receiving or waiting for medical tests or treatment for any medical condition or symptoms that have not been diagnosed
  • You’re travelling against the advice of a doctor or travelling to get medical treatment abroad
  • You have a terminal condition

How much does travel insurance cover from InsureandGo cost?

The cost of Travel Insurance is affected by many different factors, such as the age and existing medical conditions of the persons travelling, as well as the length of the trip, the destination and activities planned.

However, to give you an indication of cost, we have obtained the following sample quotes in September 2016 from InsureandGo's website:

  • Single trip, a woman in her 30s, travelling within Europe for a week: Budget - £11, Silver - £15, Gold - £22
  • Annual policy, couple in their 50s, worldwide (excluding the USA, Canada and the Caribbean): Budget - £79.98, Silver - £105.98, Gold - £145.98, Black - £189.98.

Kids are covered for free on family policies.

What do Insure and Go Travel Insurance reviews by customer say?

Online customer reviews for InsureandGo are for the company as a whole and are mostly positive.

On Feefo, InsureandGo is rated Excellent. Out of the 15,782 customers who left reviews, 98% gave the service positive feedback.

The company is also rated Excellent on Trustpilot, with a score of 9.1 out of 10 and 5 out of 5 stars based on 12,082 reviews.

The company does not rate as well on Reviewcentre.com, with 1.5 out of 5 stars, and just 14% of customers saying they would recommend the company based on 437 reviews.

What do InsureandGo Travel Insurance reviews from the experts say?

Independent financial researcher Defaqto has rated InsureandGo’s Gold and Black Travel Insurance policies as 5 Star, the company’s Silver policy as 4 Star and its Budget policy 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 “a comprehensive range of features and benefits”, 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”.

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