Bengo Travel Insurance Review

Bengo Travel Insurance Review

Bengo Travel Insurance Review

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Bengo plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Our review of Bengo will highlight:
  • Who are Bengo and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how Bengo rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do Bengo policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

Who are Bengo and who underwrites their policies?

Bengo Travel Insurance is a trading name of Bennett Gould & Partners. Bennett Gould are a UK Insurance Broker, who are part of the Trans Continental Investment Services Group. They operate numerous Insurance Schemes.

The Travel policies are underwritten by Union Reiseversicherung AG. Union Reiseversicherung AG (URV), part of Germany's largest banking group, Versicherungskammer Bayern Group (VKB Group) with 570 regional companies, 19,000 local agencies and a 38 percent share of the German Market. Union Reiseversicherung AG are authorised in Germany by BaFin and regulated in the United Kingdom by the Financial Conduct Authority.

Bengo Travel Insurance Policies are Underwritten By URV, Travel Insurance Facilities

How Bengo have been ranked using our star rating formula. Bengo Star Ratings

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Bengo.

Single Trip Policy Ratings Click to Expand

There are 3 Single Trip Policies, they are Optimum, Essential, Last Minute, we have rated these as follows:-

Thats Insurance Rating for Optimum:

Thats Insurance Rating for Essential:

Thats Insurance Rating for Last Minute:

Single Trip Travel Insurance Guide here
Bengo Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are 3 Backpacker Policies, they are Optimum, Essential, Last Minute, we have rated these as follows:-

Thats Insurance Rating for Optimum:

Thats Insurance Rating for Essential:

Thats Insurance Rating for Last Minute:

Backpacker Travel Insurance Guide here
Bengo Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 3 Annual Policies, they are Last Minute, Essential, Optimum, we have rated these as follows:-

Thats Insurance Rating for Last Minute:

Thats Insurance Rating for Essential:

Thats Insurance Rating for Optimum:

Bengo Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are 1 Longstay Policies, they are Longstay, we have rated these as follows:-

Thats Insurance Rating for Longstay:

Bengo Travel Insurance Review

Bengo's 'User Friendly' Rating

That's Insurance have reviewed 's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

16 Key Points you need to know about Bengo's travel policy wording

1

What is the age/classification of a child on the policy?

The Bengo policy allows for children under the age of 18, living at home and in full time education. They can be children, grand children, step-children, adopted or foster children.

2

What are the policy age limits?

The single trip policy has a maximum age limit of 99.

The annual travel policy has a maximum age limit of 79.

The backpacker and longstay policies state they have an age limit of 55. However their website will not quote for anyone over the age of 40 in respect of the backpacker policy and 46 in respect of the longstay policy.

 

3

What are the policy Trip Duration limits?

The Bengo single trip policy is restricted to a maximum trip of 17 days for those over the age of 85 who require worldwide cover and 21 days for all other destinations. Trips are restricted to a maximum of 24 days for adults between the age of 75 - 79, and a maximum of 31 days for those aged between 65 - 74. For all other travellers under the age of 65, the maximum trip duration is 185 days.

The annual travel policy allows unlimited trips throughout the year, as long as each trip is for no more than 31 days in total.  This can be extended to 45, 60 or 90 days with payment of the relevant additional premium.  (those aged 65 - 79 can only increase the trip limit to 45 or 60 days)

Both the backpacker and longstay policies can be taken out for up to 18 months at a time.

 

4

What does the policy offer for Winter Sports cover?

Wintersports can be included under the single trip or annual trip policy. (for the entire duration of the single trip, but restricted to 24 days per year in respect of the annual travel policy) However you can only include wintersports cover under the optimum policy.

The Optimum winter sports section covers ski equipment up to £500 (single article limit £500 or unreceipted items £150). Delayed ski equipment hire £50 per day up to a maximum of £300.

Loss Ski Pass £75 per day up to £450 maximum, Piste closure £50 per day up to £300 and Avalanche closure £30 per day up to £300.

Note that in respect of Piste Closure cover, you must be skiing North of the earths equator between 1st Jan - 30th April, or South of the earths equator between 1st June and 31st October and at a destination of higher than 1600 metres above sea level.

Cover is only provided where you are on piste skiing and snowboarding for leisure purposes only. If you wish to carry out any other wintersports pursuit, some are included in activity packs 2 - 8, for which you will be required to pay a further additional premium. Check the policies for

 

 

5

What is classed as a family and how many people can be quoted for?

A Bengo policy can be taken out by one individual, a couple (defined as married, common law or in a relationship of a long standing nature) A single or two parent family and up to ten children, or up to 12 individuals.

There is no group discount available where more than one individual is travelling together.

 

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

Bengo strongly recommend that you take out an EHIC (European Health Insurance Card), when travelling to either a European Union country or swizterland. If any claim is reduced as a result of the card, the excess in respect of medical expenses will be reduced to zero.

It is the same policy for trips to Australia, where you must register with MEDICARE.

7

What is covered under Sports and Activities on the policy?

Sports and Activities have been divided up into activity packs listed 1 - 8. Activity pack 1 lists over 90 sports and activities which are automatically covered under the policy, provided they are not the sole purpose of the trip.

Activity packs 2 - 8 can be included but require the payment of an additional premium (the additional costs are greater the more packs you wish to include)

Note that only swimming in a pool is covered under activity pack 1. If you wish to surf, you would need to pay an additional premium for activity pack 2 and if you wish to swim in open water defined as Swimming in outdoor bodies of water such as open oceans, lakes and rivers, outside of  marked swimming areas and with the absence of a lifeguard, you would need to include activity pack 3.

The policy does have a definition for beach swimming: Within 50 metres of the shore, in areas marked with safety buoys and under the supervision of a lifeguard. However there is no mention of beach swimming in any of the activity packs.

Our recommendation would be to check with Bengo before you travel.

8

What are the policy Alcohol Exclusion terms?

All policies exclude any claim  where you, your travelling companion, close relative or business associate are under the influence of drugs (except those prescribed by your registered doctor but not when prescribed for treatment of drug addiction)

alcohol (a blood alcohol level that exceeds 0.19%– approximately four pints or four 175ml glasses
of wine);

solvents or anything relating to you or your close relatives or business associate prior abuse of alcohol or solvents.

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Only the Optimum single trip or annual travel policy provides cover in the event your scheduled airline becomes insolvent and stops trading before your departure.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

Pre-existing medical conditions are excluded under the policy. They can however be included, but you need to phone the medical helpline direct. Unfortunately there is no online medical underwriting.  

The policy excludes any claim arising as a result of an existing medical condition of a non travelling close relative, the person you are intending to stay with, or a business associate or friend.

11

What are the policy rules on travelling when pregnant?

All Bengo policies include emergency medical expenses cover for pregnancy and childbirth from week 0 to week 28 inclusive whilst you are away. From the start of week 29 to week 40 of the pregnancy, there is no cover for claims relating to normal pregnancy and normal childbirth or cancellation, however, medical expenses and cancellation cover will be provided if  any of the pregnancy complications listed in the policy booklet arise.

Note Denial of boarding by your carrier is not covered, so you should check that you will be able to travel with the carrier/airline in advance.

It is also essential, if at the time of booking your trip you are aware that you are pregnant, that you ensure that you are able to have the required vaccinations for that trip.

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

All policies only exclude cover for manual labour, which is explained as work involving lifting or carrying of heavy items in excess of 25kg, work at a higher level than two storeys or any form of underground work.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

The policy requires you to provide proof of purchase for items over the value of £50. If you are unable to then any payout for un-receipted items is reduced to a total of £150.

Remember that wear, tear and depreciation will be deducted from any settlement.

14

What does the policy cover in the event of war, terrorism or cyber attack?

All policies exclude claims,  with the exception of medical expenses, in connection with war and terrorism.

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

Only the Optimum policy provides a small amount of cover for reasonable additional accommodation within a 20 mile radius, in the event of a natural disaster.

16

Do I have to be a UK resident to be covered under this policy?

You must have been resident in your home country for at least six months of the year, prior to taking out any policy.

Pro's and Con's for Bengo

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Bengo.

  • The Optimum policy has a mid range three star rating, with competitive premiums for the cover provided
  • No online medical underwriting available.

What Cover do Bengo policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Bengo and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Optimum

    Single Trip

    Essential

    Single Trip

    Last Minute

    Single Trip

    Last Minute

    Annual

    Essential

    Annual

    Optimum

    Annual

    Optimum

    Backpacker

    Essential

    Backpacker

    Last Minute

    Backpacker

    Longstay

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

    75

    75

    75

    75

    75

    75

    75

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    5,000,000

    5,000,000

    1,000,000

    1,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    3,000

    0

    0

    3,000

    5,000

    2,500

    1,000

    0

    2,500

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    10,000

    10,000

    10,000

    10,000

    20,000

    15,000

    5,000

    5,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,500

    0

    0

    0

    0

    2,500

    1,000

    0

    0

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    0

    0

    0

    0

    300

    150

    0

    0

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    400

    0

    0

    0

    0

    400

    300

    0

    0

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    0

    0

    0

    0

    500

    500

    0

    0

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    1,000,000

    1,000,000

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    5,000

    5,000

    5,000

    5,000

    25,000

    25,000

    0

    0

    25,000

  • Repatriation Cover
    Repatriation Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    100

    0

    0

    0

    0

    100

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    200

    200

    200

    200

    500

    200

    0

    0

    200

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

    100

    100

    100

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    1,000

    1,000

    1,000

    2,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    200

    0

    0

    0

    0

    200

    100

    0

    0

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    200

    100

    100

    100

    100

    200

    200

    0

    0

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    250

    250

    250

    250

    500

    1,000

    0

    0

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    100

    0

    0

    0

    0

    100

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    0

    0

    0

    0

    1,000

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    500

    0

    0

    0

    0

    500

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    500

    0

    0

    0

    0

    500

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    Y

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    Y

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    Y

    N

    N

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    Y

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    Y

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    Y

    N

    N

    N

    N

Sample Quotes from Bengo.

Listed below are some Sample Quotes offered by Bengo (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Couple

Age: 30 - 39

Trip Days: 7

Bengo Travel Insurance Review
That's Insurance Rating

Customer Rating

Optimum

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 200

Baggage 2,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide (Excluding USA & Canada)

Couple

Age: 40 - 49

Trip Days: 14

Bengo Travel Insurance Review
That's Insurance Rating

Customer Rating

Essential

75

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 3,000

Missed Departure 250

Delayed Departure 100

Baggage 0

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 5,000

Single Trip

Worldwide

Family

Age: 30 - 39

Trip Days: 14

Bengo Travel Insurance Review
That's Insurance Rating

Customer Rating

Last Minute

75

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 0

Missed Departure 250

Delayed Departure 100

Baggage 0

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 5,000

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 365

Bengo Travel Insurance Review
That's Insurance Rating

Customer Rating

Optimum

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 200

Baggage 2,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide

Family

Age: 40 - 49

Trip Days: 365

Bengo Travel Insurance Review
That's Insurance Rating

Customer Rating

Essential

75

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 3,000

Missed Departure 250

Delayed Departure 100

Baggage 0

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 5,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 40 - 49

Trip Days: 365

Bengo Travel Insurance Review
That's Insurance Rating

Customer Rating

Optimum

75

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 200

Baggage 2,500

Personal Accident 20,000

Personal Liability 2,000,000

Legal Expenses 25,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 270

Bengo Travel Insurance Review
That's Insurance Rating

Customer Rating

Last Minute

75

Click Heart to Favourite

Compare Now

Medical Expenses 1,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 0

Backpacker

Worldwide

Individual

Age: 26 - 29

Trip Days: 270

Bengo Travel Insurance Review
That's Insurance Rating

Customer Rating

Essential

75

Click Heart to Favourite

Compare Now

Medical Expenses 1,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 0

Backpacker

Europe

Individual

Age: 18 - 25

Trip Days: 270

Bengo Travel Insurance Review
That's Insurance Rating

Customer Rating

Last Minute

75

Click Heart to Favourite

Compare Now

Medical Expenses 1,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 0

How to Buy Travel Insurance from Bengo

Visit Bengo's Website and Get a Quotation direct

Current Discount Codes for Bengo - No Current Discount Codes

Customer Reviews of Bengo

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