Insurancewith Travel Insurance Review

Insurancewith Travel Insurance Review

Reviewed by:

With worldwide pandemics an the increasing possibility , choosing the right Travel Insurance have never been more essential. The wrong choice now could have disastrous repercussions if you have to claim whilst abroad.

Comparing numerous policy terms and conditions can be daunting as well as time consuming. Our independent rating and review highlights the important points we think you should know about when choosing your next travel insurance policy.

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

Who are Insurancewith Travel Insurance

Insurancewith are currently unable to issue new policies

Insurancewith was founded in 2007 and is the trading name of Infinity Insurance Solutions Ltd which is authorised and regulated by the Financial Conduct Authority. Infinity Insurance Solutions Ltd is part of the Travel Insurance Facilities Group (TIFG), who are experts in travel insurance in their own right.

All policies are insured by URV, Branch Office of Union Reiseversicherung AG for the United Kingdom and the Republic of Ireland.Insurancewith was set up to provide affordable easily accessible holiday insurance for pre existing medical conditions. They have the benefit of being an in-house brand, meaning they share offices with their dedicated customer service, claims and emergency assistance teams, streamlining the customer experience.

How to Buy Travel Insurance from Insurancewith.com

Click on the website link to go directly to the insurance providers website. Visit Insurancewith.com's Website and Get a Quotation direct

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

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

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Insurancewith Travel Insurance. They are - Platinum - Diamond - Sapphire - Emerald. We have rated these as follows:-

Rating for Single Trip Platinum:

Rating for Single Trip Diamond:

Rating for Single Trip Sapphire:

Rating for Single Trip Emerald:

Insurancewith Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 1 Backpacker Policies from Insurancewith Travel Insurance. They are - Backpacker. We have rated these as follows:-

Rating for Backpacker Backpacker:

Insurancewith Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Insurancewith Travel Insurance. They are - Sapphire - Diamond - Platinum - Emerald. We have rated these as follows:-

Rating for Annual Sapphire:

Rating for Annual Diamond:

Rating for Annual Platinum:

Rating for Annual Emerald:

Insurancewith Annual Insurance Review

Longstay Policy Ratings Click to Expand

We have reviewed 1 Longstay Policies from Insurancewith Travel Insurance. They are - Longstay. We have rated these as follows:-

Rating for Longstay Longstay:

Insurancewith Longstay 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

Key Points you need to know about Insurancewith.com's policy wording

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

Children as classified as those being under the age of 18, living at home with you and in full time education.

2. What are the policy age limits?

No age limit on single trip policies

Annual trip policies up to the age of 85

Longstay policies up to the age of 55

 

3. What are the policy Trip Duration limits?

A single trip policy can be taken out for up to 12 months

A longstay policy can be taken out for up to 18 months

The annual multi-trip policy allows you to take an unlimited number of trips, provided each trip is no more than 31 days in length (Platinum policy allows up to 45 days per trip)

 

 

4. What are the options for Winter Sports cover?

Can be added to both single trip and annual trip policies annual policies up to 31 days).  The information is provided in a booklet, separate to the main policy wording.

Wintersports covers you for ice skating, skiing and snowboarding (both on and off-piste provided you are with a qualified ski guide.

Other wintersports can be include (see activity packs 1 - 7) but you will be required to pay a premium in addition to the wintersports one.

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

A policy may be purchased by one person, a couple, a family and up to 8 children or a group of up to ten individuals.

Note there is no premium discount awarded for more than one individual insuring themselves under the same policy.

 

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

You must carry an up to date European Health Insurance Card, when travelling to a member state country of the European Union (including Switzerland)

Any medical expenses excess will be waived if you have used the card and the bill is waived or reduced as a result.

If you are travelling to Australia you must enrol with MEDICARE on arrival. Registration is free

7. What is covered under Sports and Activities on the policy?

The policy provides nearly 100 activities which can be carried out at normal terms and without payment of any additional premium. Additional activities are mentioned on their site and split into a further 7 activity packs.

Snorkelling and swimming in a pool are covered as standard. If you wanted to surf, you would need to pay an additional premium and include activity pack 2. If you wanted to swim in open waters, you would need acitivty pack 3.

8. What are the policy Alcohol Exclusion terms?

The policy excludes claims in respect of alcohol (a blood alcohol level that exceeds 0.19% which is approximately four pints or four 175ml glasses of wine)

9. Does the policy cover Scheduled Airline Failure or Financial Failure?

The Diamond and Platinum policies include end supplier failure as standard

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

Pre existing medical conditions are excluded as standard, but the vast majority of conditions can be quoted for by using Insurancewith's bespoke medical screening service which provides quotations online.

11. What are the policy rules on travelling when pregnant?

If you are travelling and between 0 and 28 weeks pregnant, then the policy will provide full cover as normal. If you are between 29 and 40 weeks pregnant when you travel, the policy will only cover pregnancy complications. There is a list of defined complications in the policy wording.

The policy also states you must check with your airline to make sure they are happy for you to travel as Insurancewith do not cover denial of boarding. 

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 which involves you lifting goods in excess of 25 kg's, working at a level above 2 storeys, or any work under the ground is not covered.

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

You must provide proof of ownership or purchase, for any items you are claiming in excess of £50.

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

Both war and terrorism are excluded except in relation to claims for emergency medical expenses.

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

The diamond and platinum policy covers additional accommodation and travel costs within a 20 mile radius in the event of a natural disaster, provided your trip is not part of a tour operators package.

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

You must be resident in the United Kingdom and have not spent more than six months abroad in the year that you purchase a policy.

Insurancewith.com's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on insurancewith-com-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Insurancewith compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for Insurancewith Policies

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

  • Platinum is one of the higher rated three star policies
  • Children travel free on family policies
  • Bespoke online medical underwriting
  • No age limit on single trip policies
  • Up to £3,000 cover for lost, stolen or damaged mobility, disability or medical equipment

No Con's

What Cover do Insurancewith policies offer.

We've listed below cover levels for policies offered by offered by 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

    Emerald

    Annual

    Sapphire

    Annual

    Diamond

    Annual

    Platinum

    Annual

    Platinum

    Single Trip

    Diamond

    Single Trip

    Sapphire

    Single Trip

    Emerald

    Single Trip

    Backpacker

    Backpacker

    Longstay

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

    0

    0

    0

    0

    75

    75

    75

    75

  • 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

    10,000,000

    10,000,000

    1,000,000

    2,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    0

    3,000

    3,000

    5,000

    5,000

    3,000

    3,000

    0

    1,000

    3,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    10,000

    10,000

    15,000

    15,000

    10,000

    10,000

    10,000

    5,000

    7,500

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    3,000

    3,000

    2,000

    2,000

    2,000

    500

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    200

    200

    250

    250

    200

    200

    200

    150

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

    300

    300

    500

    500

    300

    300

    300

    0

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    250

    250

    350

    350

    250

    250

    250

    0

    300

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    25,000

    25,000

    50,000

    50,000

    25,000

    25,000

    25,000

    25,000

    50,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    10,000

    10,000

    15,000

    15,000

    10,000

    10,000

    10,000

    5,000

    7,500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    250

    250

    350

    350

    250

    250

    250

    0

    300

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    500

    500

    1,000

    1,000

    500

    500

    500

    0

    200

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    100

    100

    100

    100

    100

    100

    100

    100

    100

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    100

    100

    250

    250

    100

    100

    100

    0

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    100

    100

    300

    300

    100

    100

    100

    0

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    800

    800

    800

    1,000

    1,000

    800

    800

    800

    0

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    500

    500

    1,000

    1,000

    500

    500

    500

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    3,000

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    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

    0

  • Gadget Cover
    Gadget 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

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

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

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    500

    500

    500

    1,000

    1,000

    500

    500

    500

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    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

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    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

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

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

    N

    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

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

Sample Quotes from Insurancewith.com.

Listed below are some Sample Quotes offered by Insurancewith.com

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 60 - 64

Trip Days: 21

Insurancewith Travel Insurance Review
Product Rating

Experience Rating

Sapphire

75

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 800

Delayed Departure 100

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 25,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 7

Insurancewith Travel Insurance Review
Product Rating

Experience Rating

Sapphire

75

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 800

Delayed Departure 100

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 50 - 59

Trip Days: 365

Insurancewith Travel Insurance Review
Product Rating

Experience Rating

Sapphire

75

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 800

Delayed Departure 100

Baggage 2,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 18 - 29

Trip Days: 365

Insurancewith Travel Insurance Review
Product Rating

Experience Rating

Platinum

0

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 1,000

Delayed Departure 300

Baggage 3,000

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 50,000