Covered2go Travel Insurance Review

Covered2go Travel Insurance Review

Covered2go Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Covered2go 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.

Who are Covered2go and who underwrites their policies?

Covered2go.co.uk is a trading style of Rush Insurance Services Limited whose owners and directors have over 100 years of combined insurance experience. Their products are clearly presented and ensure that customers are extremely well informed at the time of purchase. This avoids any unnecessary discrepancies or nasty surprises at the time of a claim. As well as covered2go, Rush are responsible for several top rated brands, Bluebear Travel Insurance and First Travel Insurance. 

Covered2go's, policies are provided and underwritten by Travel Insurance Facilities Group.

TIF is the UK branch office of URV and manages its UK and Ireland operations. URV is part of Germany's largest banking group, Versicherungskammer Bayern Group which has over 570 regional companies, 19,000 local agencies and a 38% share of the German market. Travel Insurance Facilities Plc. is authorized and regulated in the United Kingdom by the Financial Conduct Authority.

Covered2go have been awarded a Which magazine best rate policy since 2011 and have an excellent 9.1 trust score from customers via trust pilot. With no upper age limit on single trip policies, four levels of cover to choose from and a five star rating on their Platinum policies.

The policy booklet is 27 pages long and contains all the relevant information you need to make an informed decision, so its important that you read it carefully. We have highlighted important areas of the policy booklet, we think you need to know about. Combine this with our ratings and price comparisons to help you choose the right policy for you.

Covered2go Travel Insurance Policies are Underwritten By URV

How Covered2go Travel Insurance's Policies have been ranked using our star rating formula?

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 Covered2go.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Covered2go Travel Insurance, they are Platinum, Gold, Silver, Bronze, we have rated these as follows:-

Rating for Single Trip Platinum:

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Rating for Single Trip Bronze:

Single Trip Travel Insurance Guide here
Covered2go Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Covered2go Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Covered2go Travel Insurance, they are Bronze, Silver, Gold, Platinum, we have rated these as follows:-

Rating for Annual Bronze:

Rating for Annual Silver:

Rating for Annual Gold:

Rating for Annual Platinum:

Annual Travel Insurance Guide here
Covered2go Travel Insurance Review

Longstay Policy Ratings Click to Expand

We have reviewed 1 Longstay Policies from Covered2go Travel Insurance, they are Longstay, we have rated these as follows:-

Rating for Longstay Longstay:

Covered2go Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about Covered2go's travel policy wording

1

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

Children are aged under 18 on this policy.

2

What are the policy age limits?

At time of purchase:-

Aged 79 or under for Annual Multi Trip

No age limit for Single Trip

Aged 65 or under for a Longstay Policy

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 365 days, there is no age limit on this.

Annual Trip, Trip Duration of 31 days on any one trip (unless the appropriate premium has been paid to increase the duration to 45 or 60 days and this is confirmed in writing).  

Longstay a trip can be for up to 18 months.

4

What does the policy offer for Winter Sports cover?

Wintersports can be included in single or annual travel policies (annual travel for up to 17 days)

By paying the additional premium sports and activity packs 1 - 3 (which include wintersports activities are automatically included). See the policy wording for a list of acceptable pursuits

5

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

A policy can be taken out by a single person, a couple, a family or a group of up to 7 Travellers

A family is classed as 1 or 2 Adults, with one or more children.  (This policy also allows for Extended Family, this is defined as including grandparents, parents, sons and daughters (including foster), aunties, uncles and cousins.

There is no group discount for insuring more than one individual under the same policy

6

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

EHIC not Mandatory, but strongly advised. If travelling to Australia you must enrol in Medicare on arrival.

7

What is covered under Sports and Activities on the policy?

Check the policy schedule, up to 100 activities listed in Activity Pack 1 are included as standard. Activity Packs 2 to 8 are chargeable and you should check to ensure the activities you plan are included.

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8

What are the policy Alcohol Exclusion terms?

Policy states “You, your travelling companion, close relative or business associate being 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?

Not Covered under Bronze or Silver, Covered under Gold, Platinum and Longstay.  You are covered under Last Minute for Scheduled Airline Failure after departure.

10

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

Pre Existing medical conditions can be covered, but you will need to visit www.covered2go.protectif.co.uk.  You will need to make sure you have all of your medical details to hand  Check to find out whether you will be accepted and at what terms. There is no option to underwrite conditions at the point of sale.

Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

You are not covered in the event of a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure.

11

What are the policy rules on travelling when pregnant?

Our 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 following complications arise:

Toxaemia, Gestational diabetes, Gestational hypertension, Ectopic pregnancy, Post-partum haemorrhage, Pre-eclampsia, Molar pregnancy or hydatidiform mole, Retained placenta membrane, Placental abruption, Hyperemesis gravidarum, Placenta praevia, Stillbirth, Miscarriage, Emergency Caesarean, A termination needed for medical reasons, Premature birth more than 12 weeks (or 16 weeks if you know you are having more than one baby) before the expected delivery date.”

12

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

Listed under activities - Manual Labour is excluded except for those listed in Activity Pack 1 e.g Bar Work, Animal Sanctuary (non big game). If your plan is for specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

Manual work is described as work involving the lifting or carrying of heavy items in excess of 25 kilos, work at a higher level than two storeys or any work underground.

We would recommend that anyone planning to work obtains written permission from their Insurance Provider that it is covered under their policy.

13

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

Proof of value and ownership of property and money is required for any item with a value exceeding £50. This should be in the form of an original receipt. Lack of this may mean you are still eligible to claim but will be subject to a maximum of £50 and will be considered part of “unreceipted items” in respect of the claim and included in the maximum offered by that policy.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14

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

You are not covered in respect of all sections other than emergency medical expenses - war, terrorism, biological or chemical warfare, invasion, act of foreign enemy, hostilities (whether war has been declared or not), civil  war, rebellion, revolution, insurrection or military or usurped power.

15

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

Not Covered under Bronze or Silver, but automtically covered under Gold, Platinum’ Last Minute and Longstay.

Airspace closure due to volcanic eruption can be added as an optional extra

16

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

You and all other insured persons must be a resident of the United Kingdom, Channel Islands or British Forces Posted Overseas and have not spent more than six months abroad in the year before buying this policy.

Covered2go's 'User Friendly' Rating

That's Insurance have reviewed Covered2go'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 Covered2go 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

Pro's and Con's for Covered2go Travel Policies

We've highlighted Pro's anc Cons for Covered2go, click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Covered2go.

  • Platinum policy awarded five star rating
  • Platinum policy automatically includes gadget cover & unauthorised calls on your mobile
  • Single trips of up to 365 days
  • Longstay trips of up to 18 months
  • Medical conditions can be included but cannot be underwritten online, requiring a phone call

What Cover do Covered2go policies offer.

We've listed below cover levels for policies offered by offered by Covered2go To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Platinum

    Single Trip

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

    Longstay

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

    75

    100

    100

    75

    50

    50

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    5,000,000

    2,000,000

    2,000,000

    5,000,000

    10,000,000

    10,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    7,500

    5,000

    1,500

    500

    500

    1,500

    5,000

    7,500

    3,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    25,000

    25,000

    15,000

    10,000

    10,000

    15,000

    25,000

    25,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,500

    2,000

    1,500

    0

    0

    1,500

    2,000

    3,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    200

    150

    0

    0

    150

    200

    300

    150

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    750

    300

    300

    0

    0

    300

    300

    750

    150

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    1,000

    500

    300

    0

    0

    300

    500

    1,000

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    15,000

    10,000

    10,000

    15,000

    25,000

    25,000

    25,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    0

    0

    0

    0

    1,500

    1,500

    1,000

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,500

    1,500

    1,000

    500

    500

    1,000

    1,500

    1,500

    200

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    750

    500

    300

    200

    200

    300

    500

    750

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    3,500

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,500

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    500

    150

    100

    75

    75

    100

    150

    500

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    500

    210

    150

    100

    100

    150

    210

    500

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    1,000

    600

    300

    300

    600

    1,000

    1,500

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,500

    1,000

    0

    0

    0

    0

    1,000

    1,500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,500

    1,000

    1,500

    0

    0

    1,500

    1,000

    1,500

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    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

  • Mugging
    Mugging Explanation
    Cover Type Icon

    1,500

    1,000

    0

    0

    0

    0

    1,000

    1,500

    500

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    N

    N

    Y

    Y

    Y

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    N

    N

    N

    N

    N

    N

    Y

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    N

    N

    Y

    Y

    Y

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    N

    N

    Y

    Y

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

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

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    N

    N

    Y

    Y

    Y

Sample Quotes from Covered2go.

Listed below are some Sample Quotes offered by Covered2go (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 40 - 49

Trip Days: 7

Covered2go Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 500

Missed Departure 300

Delayed Departure 100

Baggage 0

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 76 +

Trip Days: 14

Covered2go Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 210

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide

Individual

Age: 76 +

Trip Days: 21

Covered2go Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 210

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 40 - 49

Trip Days: 365

Covered2go Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 2,000,000

Cancellation 500

Missed Departure 300

Delayed Departure 100

Baggage 0

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Europe

Individual

Age: 40 - 49

Trip Days: 365

Covered2go Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 1,500

Delayed Departure 500

Baggage 3,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Couple

Age: 65 - 70

Trip Days: 365

Covered2go Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

50

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 1,500

Delayed Departure 500

Baggage 3,500

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Covered2go

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for Covered2go - No Current Discount Codes

Visit Covered2go's Website and Get a Quotation direct

Customer Reviews of Covered2go

No Customer Reviews Found

We hope that you have found this Covered2go Travel Insurance Review helpful. If you have experience of Covered2go, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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