Covered2go Travel Insurance Review

Covered2go Travel Insurance Review

Covered2go Travel Insurance Review

Covered2go Travel Insurance Review, Who are Covered2go? Who underwrites their policies? What Policies do Covered2go offer and what Important Information should you know when thinking of buying a policy? Read on to find out.

About Covered2go

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.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 Travel Insurance Policies are Underwritten By URV

Travel Policies offered by Covered2go

Click on the blue bars on the right side of the Policy Type Bar to expand and view all policies offered by Covered2go. Find That's Insurance Star Ratings plus key information relative to those policies; for example age limits, trip durations and winter sports options.

If you would like more detailed information in relation to Policy Terms and Conditions, please refer to the Important Notes section below, where we have extracted key information from what is normally a very long policy wording document.

Single Trip Insurance Policy Click to Expand

  • This policy is also available to the same customers, but unlike the annual policy there is no age limit. There also appears to be no limit on the length of stay, as I managed to get a quote for two and a half years.
  • The same policies are available for the single trip, bronze, silver, gold and platinum.
Read the Full Policy Type Guide Here

Thats Insurance Rating for Platinum:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Bronze:

Backpacker Insurance Policy Click to Expand

  • Ratings are listed below, if available

Annual Insurance Policy Click to Expand

  • The annual trave policy allows for unlimited travel throughout the year, providing each trip lasts no more than 31 days (this can be extended to 45 or 60 by paying an additional premium). The policy is open to individuals, couples, families and groups up to 8 in number. The maxmim age is 79. There are four policies, rated bronze, silver, gold and platinum. Winter sports can be included as an optional extra, as can golf and business cover.

Thats Insurance Rating for Bronze:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Platinum:

Longstay Insurance Policy Click to Expand

  • The Long Stay policy only has one level of cover available. This is not as high as some of the other levels available under the single and annual policies. It is available to singles, families, couples and groups up to 8. The maximum trip length is 18 months and the age limit is 64.

Thats Insurance Rating for Longstay:

Important Information on Covered2go's Policy Wording

What is age/classification of Child?

Children are aged under 18 on this policy.

Age Limits?

At time of purchase:-

Aged 79 or under for Annual Multi Trip

Aged 115 or under for Single Trip

Aged 65 or under for a Longstay Policy

Maximum stay of 31 days on any one trip when purchasing an annual multi-trip policy, (unless the appropriate premium has been paid to increase the duration to 45 or 60 days and this is confirmed in writing).  

No of persons covered, family/ group?

Group - up to  8 Travellers

Family - 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.

Reciprocal Health Agreements?

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

Sporting Activities, what’s included?

Check the policy schedule, 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.

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.

Scheduled Airline Failure/End Supplier Failure cover?

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

Medical Conditions, Exclusions, Vaccinations?

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.

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.

Travelling while 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.”

Working while away?

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.

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

Possessions, Proof of Ownership?

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.

Cyber Attack, Terrorism

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.

Natural Disaster/Catastrophe

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

Residency/Doctor/NI?

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.

 

How to Buy Travel Insurance from Covered2go

Click Here to get an online quotation from Covered2go

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