Goodtogo Travel Insurance Review

Goodtogo Travel Insurance Review

Goodtogo 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 Goodtogoinsurance.com 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 Goodtogo and who underwrites their policies?

Goodtogoinsurance.com is a trading name of the Ancile Insurance Group Ltd. Ancile are specialist travel insurance intermediaries who operate several travel insurance brands such as OUL Direct, Insurewithease.com and Sun Selection.

All Goodtogoinsurance policies are underwritten by Travel Insurance Facilities and Insured by URV. Goodtogo provides travel insurance to customers of any age, whether you have a pre-existing medical condiion or not (even if you have a terminal prognosis).

We recommend reading the 28 page booklet carefully though to make sure you are satisfactorily covered and take advantage of our review and pro's and con's to help you make an informed decision.

Goodtogo Travel Insurance Policies are Underwritten By URV

How Goodtogo 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 Goodtogoinsurance.com.

Single Trip Policy Ratings Click to Expand

found no policies available for this section.

Single Trip Travel Insurance Guide here
Goodtogo Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Goodtogo Travel Insurance Review

Annual Policy Ratings Click to Expand

found no policies available for this section.

Annual Travel Insurance Guide here
Goodtogo Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Goodtogo 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 Goodtogoinsurance.com's travel policy wording

1

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

Children must be dependent on the Insured Adult, under the age of 18 living at home and in fully time education.

2

What are the policy age limits?

No age restriction on either the single trip or annual travel policies

3

What are the policy Trip Duration limits?

Single trip policies are restricted to 94 days.

Annual Travel allows for unlimited trips with each trip restricted to 31 consecutive days.

4

What are the options for Winter Sports cover?

Winter sports can be added to a single trip policy for the duration of the trip (maximum 94 days) or included under the annual travel policy for a maximum of 24 days in any one policy year.

Winter sports includes Skiing, Snowboarding, Ice Skating, Big foot skiing, cross country/Nordic skiing, dry slope skiing, sledging, snowmobiling, snow kiting and snow shoeing.

If you require cover for off-piste skiing/snowboarding you will need to purchase Category C activities in addition to winter sports cover.

5

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

Goodtogo travel insurance may be taken out by a single person, a couple, a single or two parent family and up to eight dependent children, or a group of up to ten individuals.

There are no premium discounts for more than one individual insuring under the same policy.

6

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

Carrying the EHIC when visiting European countries is strongly recommended. If medical costs are reduced as a result then the medical excess will be waived.

If you are travelling to Australia you must register with Medicare on arrival.

7

What is covered under Sports and Activities on the policy?

Approximately 80 acceptable activities included free of charge listed in Category A. Other riskier pursuits may be included subject to payment of an additional premium, these are listed in categories B & C.

Swimming in a pool and swimming off a boat (both with a lifeguard present) are covered under category A, as is snorkelling, but no mention of swimming in the Sea. Swimming in open water is listed under category C for which you would need to pay an additional premium.

If in any doubt we recommend contacting the Insurer direct for clarification.

8

What are the policy Alcohol Exclusion terms?

The policy excludes claims from you, your travelling companion,close relative or business associate being under the influence of:
alcohol (a blood alcohol level that exceeds 0.19%–approximately four pints or four 175ml glasses of wine).

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

All three levels of cover include scheduled airline and end supplier failure as standard

10

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

Most medical conditions catered for (even with a terminal prognosis) and quotations available online by use of the medical screening process.

If you do not declare conditions or only declare some, then your policy may be cancelled.

11

What are the policy rules on travelling when pregnant?

The policy includes emergency medical expenses cover for pregnancy from week zero to week twenty eight (for a single pregnancy) and week zero to week twenty four (for a multiple pregnancy)

From the start of week twenty nine to week forty (or twenty five to forty for a multiple pregnancy), there is no cover, unless a complication of pregnancy arises during that time.

You are required to make sure your GP or midwife know about your travel plans, there are no known potential complications and you are fit to take the planned trip.

12

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

Manual labour (lifting or carrying of heavy items in excess of 25 kilos, work at a higher level than two storeys, or any work underground) is not covered under the policy.

However non manual labour is covered (excluding animal sanctuary/refuge work). You can also include Manual/Farm Work (ground level only no machinery) and or Manual work (ground level only including the use of light hand held machinery) by paying the additional premium to include category B and C activities,  which these fall under.

13

What are the requirements, if I need to claim for lost, damaged or stolen baggage?

Any item that is valued at more than £50 must be supported by original proof of purchase/ownership. If items are not supported with adequate documentation, the payout will be restricted to £50 per item up to a maximum of £150.

14

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

No cover for war, or terrorism except in relation to a claim for emergency medical expenses.

15

Does the policy cover natural disaster or catastrophe before and during my holiday?

Cover for alternative accommodation and travel within a 20 mile radius as a result of a natural disaster or catastrophe is covered as standard.

16

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

You must be resident in the United Kingdom or Channel Islands and registered with a GP.

Goodtogo's 'User Friendly' Rating

That's Insurance have reviewed Goodtogo'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 Goodtogo 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 Goodtogo Travel Policies

We've highlighted Pro's anc Cons for Goodtogo, 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 Goodtogoinsurance.com.

  • No age limit on either single trip or annnual multi-trip policies
  • Most existing medical conditions catered for and underwritten online during the quotation process.
  • End supplier and scheduled airline failure covered as standard

No Con's

What Cover do Goodtogo policies offer.

We've listed below cover levels for policies offered by offered by Goodtogoinsurance.com 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

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    75

    100

    100

    75

    0

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    5,000

    2,000

    0

    0

    2,000

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    15,000

    0

    0

    15,000

    15,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,000

    0

    0

    2,000

    3,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    300

    250

    0

    0

    250

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

    250

    0

    0

    250

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    400

    0

    0

    400

    400

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    0

    0

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    0

    0

    25,000

    25,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Maximum Benefit Per Condition
    Maximum Benefit Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Lifetime Per Condition
    Lifetime Per Condition Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Lifetime Maximum Benefit
    Lifetime Maximum Benefit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • CT/MRI Scans
    CT/MRI Scans Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Euthanasia
    Euthanasia Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cremation
    Cremation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    15,000

    15,000

    0

    0

    15,000

    15,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    400

    400

    0

    0

    400

    400

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    1,000

    1,000

    1,000

    1,000

    1,000

    1,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    350

    350

    350

    350

    350

    350

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    300

    100

    0

    0

    100

    300

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    0

    0

    100

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    500

    0

    0

    500

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    500

    500

    500

    500

    500

    500

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    500

    0

    0

    500

    500

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    1,000

    0

    0

    1,000

    1,000

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Prescribed Food
    Prescribed Food Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Emergency Boarding Fees
    Emergency Boarding Fees Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Holiday Cancellation
    Holiday Cancellation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Emergency Repatriation
    Emergency Repatriation Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Quarantine Expenses
    Quarantine Expenses Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Emergency Vet Expenses
    Emergency Vet Expenses Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Loss of Pet Passport
    Loss of Pet Passport Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Accidental Damage to Property
    Accidental Damage to Property Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident (Pets)
    Personal Accident (Pets) Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Waiting Period Injury
    Waiting Period Injury Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

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

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

Sample Quotes from Goodtogoinsurance.com.

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

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Couple

Age: 76 +

Trip Days: 14

Goodtogo Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

0

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 100

Baggage 3,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Couple

Age: 60 - 64

Trip Days: 7

Goodtogo Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

75

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 100

Baggage 2,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Europe

Couple

Age: 30 - 39

Trip Days: 7

Goodtogo Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 0

Legal Expenses 0

Annual

Worldwide

Family

Age: 18 - 29

Trip Days: 365

Goodtogo Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 0

Legal Expenses 0

Annual

Europe

Couple

Age: 40 - 49

Trip Days: 365

Goodtogo Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 0

Personal Liability 0

Legal Expenses 0

Annual

Europe

Couple

Age: 71 - 75

Trip Days: 365

Goodtogo Travel Insurance Review
That's Insurance Rating

Customer Rating

Platinum

0

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 500

Delayed Departure 100

Baggage 3,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 25,000

How to Buy Travel Insurance from Goodtogoinsurance.com

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 Goodtogo - No Current Discount Codes

Visit Goodtogoinsurance.com's Website and Get a Quotation direct

Customer Reviews of Goodtogoinsurance.com

No Customer Reviews Found

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

Taking medication abroad in 2018

Taking medication abroad in 2018

If you are planning a foreign holiday this year and suffer from an illness or  medical condition, ...

Travel Insurance for the Russia World Cup 2018 What you need to know

Travel Insurance for the Russia World Cup 2018 What you need to know

Why choosing the right Travel Insurance policy is so important The FIFA would cup starts in Russia ...

2018 EU ruling you can claim compensation from airlines following wildcat strikes

2018 EU ruling you can claim compensation from airlines following wildcat strikes

2018 EU Court rules that Passenger flights which are delayed or cancelled due to strikes can claim ...

The European Health Insurance card how it works in 2018

The European Health Insurance card how it works in 2018

After what seems like the longest, wettest and coldest winter ever in the UK, summer is (fingers ...



Download the App

Download Thats Insurance App on Itunes Download Thats Insurance App on Google Play

Compare Travel Insurance

How to use this table: Search for the policy by price, rating or name from the table below. Click on the right hand column to get more information and quote.