Review: InsureFor Travel insurance
By
David Woodfield
Summary
InsureFor travel insurance provides a range of travel insurance products, including single trip, annual, family holiday, winter sports, cruise, golf and over 65s cover. The company also offers protection for gadgets while abroad.
InsureFor is part of the Rock Insurance group and have been trading for over 10 years, serving more than one million customers to date. The company won Travel Service Provider of the Year 2010 at the Travel Trade Gazette Awards.
You can get a quote from their site.
Overview of cover provided by InsureFor travel insurance
InsureFor’s general travel insurance is available in three tiers of cover: Economy, Standard and Premier. All levels provide cover for medical expenses, cancellation and curtailment, luggage, personal liability, personal accident and legal protection, while the upper levels offer more benefits, such as travel delay cover, luggage delay cover, passport protection, catastrophe cover and hijacking. The top level of cover offers the greatest per-claim amounts and the lowest excesses. All policy levels offer £10m for medical emergencies and repatriation and £2m for personal liability.
InsureFor also offers additional policies specifically tailored for golfing holidays, cruises and winter sports, plus gadget cover which is available at three levels. The lowest level covers three gadgets, the top level covers seven, with single article limits set at £1,000 and excess at £50 regardless of policy.
In addition to family holiday policies, which make it easy to insure multiple travellers on the same trip, InsureFor travel insurance will insure children for free. The company also offers a medical cover option, which will cover travellers with existing medical conditions, who may struggle to find insurance elsewhere.
Right for you? Get a quote from insurefor.com travel insurance.
What about pre-existing medical conditions?
InsureFor travel insurance will cover travellers with pre-existing medical conditions, subject to a screening procedure that determines if they will cover you and for what premium. To help streamline this process, InsureFor have a list of waived conditions in their policy wording – if a traveller only has that condition (and no others), isn’t awaiting surgery and has been fully discharged from any treatment or follow-up, then they don’t need the screening process to be covered. This has the advantage of including that particular condition on the policy at no extra cost.
How much does travel insurance from InsureFor cost?
The cost of travel insurance with InsureFor will depend on a number of factors, such as the type of cover you require, the duration of your trip, any pre-existing medical conditions, and so on. However, such is the ‘design your own’ nature of its policies that customers can adjust the cover to that they need without unnecessarily paying for cover that they don’t.
To give you a general idea of cost, we obtained the following example quotes from insurefor.com travel insurance:
Individual visiting Europe for one week:
Economy: £9.35 (annual cover: £33.44)
Standard: £11.68 (annual cover: £41.80)
Premier: £14.39 (annual cover: £54.49)
Couple visiting USA for one week:
Economy: £63.92 (annual cover: £51.31)
Standard: £79.87 (annual cover: £64.15)
Premier: £98.40 (annual cover: £83.65)
As evidenced by the above quotes, it may work out cheaper to purchase an annual policy than a single-trip policy, depending on the number of travellers and your destination.
What do InsureFor travel insurance reviews from customers say?
Based on more than 100 reviews on reviewcentre.com, InsureFor scores 3.7/5, with 76% of users saying they’d recommend the company to family or friends. Meanwhile, the company is marked as ‘good’ on money.co.uk, based on consumer reviews that score it 3.5/5. Over on feefo.com, InsureFor has a 95% customer service satisfaction rating.
What do InsureFor travel insurance reviews from the experts say?
The company won Travel Service Provider of the Year 2010 at the Travel Trade Gazette Awards, and according to Defaqto – the independent reviewer of financial products – its Premier level travel insurance has four stars out of a possible five, making it “a product with a good level of features and benefits”. Its other policy levels, however, have two stars each, making them products “typically offering a below average range of features and benefits”.
