Insure and Away Travel Insurance Review

Insure and Away 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 Insure and Away and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Insure and Away Travel Insurance

**** PLEASE NOTE IT IS NOT CURRENTLY POSSIBLE TO PURCHASE INSURE AND AWAY POLICIES ONLINE ****

**** CLICK HERE TO COMPARE ALTERNATIVE TRAVEL INSURANCE POLICIES ****

Holiday and Travel Insure and Away Ltd trading as Insure and Away is an appointed representative of Fogg Travel Insurance Services Ltd who are authorised and regulated by the Financial Conduct Authority.

Insure and away provide cover for over 220 pre-existing medical conditions and children go free on every policy. With four levels of cover to choose from, Insure and away have tried to provide a policy to suit everyones needs.

Insure and away's travel insurance is underwritten by International Travel Protection, the UK branch of ERV and Ergo Group Company based in Germany.

How to Buy Travel Insurance from Insure and Away

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

How Insure and Away 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 Insure and Away.

Single Trip Policy Ratings Click to Expand

We have reviewed 4 Single Trip Policies from Insure and Away Travel Insurance. They are - Premier Plus - Premier - Standard - Essential. We have rated these as follows:-

Rating for Single Trip Premier Plus:

Rating for Single Trip Premier:

Rating for Single Trip Standard:

Rating for Single Trip Essential:

Insure and Away Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 4 Backpacker Policies from Insure and Away Travel Insurance. They are - Premier Plus - Premier - Standard - Essential. We have rated these as follows:-

Rating for Backpacker Premier Plus:

Rating for Backpacker Premier:

Rating for Backpacker Standard:

Rating for Backpacker Essential:

Insure and Away Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 4 Annual Policies from Insure and Away Travel Insurance. They are - Premier Plus - Premier - Standard - Essential. We have rated these as follows:-

Rating for Annual Premier Plus:

Rating for Annual Premier:

Rating for Annual Standard:

Rating for Annual Essential:

Insure and Away Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Insure and Away 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 Insure and Away's policy wording

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

Unmarried, dependent children up to the age of 18, living in the same house as the insured (up to the age of 22 if in full time education)

2. What are the policy age limits?

Single trips up to the age of 84.

Annual trips up to the age of 78.

3. What are the policy Trip Duration limits?

Single trips maximum duration is 92 days

Annual travel, unlimited number of trips, each trip restricted to 31 days.

4. What are the options for Winter Sports cover?

Winter sports cover is available on either the single trip or annual travel policies. However cover is only applicable between the 1st December and 30th April.

The policy covers you for Skiing/snowboarding, biathlon, bigfoot skiing, glacier skiing within marked areas, cross country skiing, mono skiing, and snowblading.

The policy specifically excludes Off-piste skliing/snowboarding, however according to the website these can be added by purchasing activity pack B. We would recommend contacting the Insurer direct for clarification.

 

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

An Insure and away policy can be taken out by a single person, a couple, or a family and an unlimited number of their children. A policy can also be taken out by an unlimited number of individuals, although there is no premium discount for doing so. 

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

You are strongly advised to take an EHI Card if you are travelling to a European Union country. This will entitle you to benefit from reciprocal health agreements.

If you require treatment in Australasia, you are reminded that reciprocal arrangements may also apply.

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

The policy lists 64 sporting and leisure pursuits which are covered as standard and states for any other activity you must contact the Travel Helpline direct.

However the website lists only 45 activities covered as standard, with the option to include  activities by purchasing additional packs A, B & C.

We would recommend contacting the Insurer direct for clarification.

8. What are the policy Alcohol Exclusion terms?

Self Injury due to the influence of intoxicating liquor is excluded under the policy.

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

No cover provided

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

The policy has a list of accepted minor conditions. If your condition is listed there is no need to declare them. For any other medical condition you need to declare them to the medical screening helpline.

The policy states you can declare them online, but there is currently no facility to do this, you need to phone the medical screening helpline. Any medical condition not declared will be excluded under the policy.

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

Any claim in respect of costs relating to pregnancy is excluded, unless the claim is certified by a medical practitioner as necessary due to complications of pregnancy.

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

The policy specifically excludes any manual work.

Non manual work (including professional, administractive or clerical duties only) can be included under acitivty Pack A

Manual Work (bar and restaurant, waitress, waiter, chalet, maids, au pair, nanny's, occasional light manual work including retail work and fruit picking but excluding the use of power tools and machinery) can be included under Pack C (although there is no mention of this in the policy)

 

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

Original purchase receipts will be required for items of luggage, clothing or other personal effects when they are less than one year old.

Any claims will be subject to a deduction for wear, tear or depreciation.

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

Terrorism is excluded, where the incident is covered by government compensation, or if the attack is nuclear, chemical or biological, or in an area regarded by the Insurer as a war risk/civil hazard.

Cyber-terrorism is excluded under the policy.

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

The Premier and Premier Plus provide cover against catastrophe.

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

Policies are only available to residents of the United Kingdom

Insure and Away's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on insure-and-away-travel-insurance-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 Insure and Away 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 Insure and Away Policies

We've highlighted Pro's and Cons for Insure and Away, 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 Insure and Away.

  • Children go free on all policies
  • Premier and Premier plus policies provide cover against catastrophe
  • No cover for end supplier or scheduled airline insolvency
  • Medical conditions cannot be underwritten online, you will need to phone the medical screening helpline

What Cover do Insure and Away 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

    Essential

    Annual

    Standard

    Annual

    Premier

    Annual

    Premier Plus

    Annual

    Premier Plus

    Single Trip

    Premier

    Single Trip

    Standard

    Single Trip

    Essential

    Single Trip

    Premier Plus

    Backpacker

    Premier

    Backpacker

    Standard

    Backpacker

    Essential

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    150

    100

    100

    50

    50

    100

    100

    150

    50

    100

    100

    150

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    5,000,000

    10,000,000

    10,000,000

    10,000,000

    10,000,000

    5,000,000

    5,000,000

    10,000,000

    10,000,000

    5,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    0

    1,000

    5,000

    7,500

    7,500

    5,000

    1,000

    0

    7,500

    5,000

    1,000

    0

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    10,000

    25,000

    30,000

    30,000

    25,000

    10,000

    5,000

    30,000

    25,000

    10,000

    5,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    0

    1,000

    2,000

    2,500

    2,500

    2,000

    1,000

    0

    2,500

    2,000

    1,000

    0

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    0

    150

    200

    200

    200

    200

    150

    0

    200

    200

    150

    0

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    0

    150

    200

    200

    200

    200

    150

    0

    200

    200

    150

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    350

    400

    400

    400

    400

    350

    0

    400

    400

    350

    0

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    1,000,000

    1,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    15,000

    15,000

    50,000

    50,000

    50,000

    50,000

    15,000

    15,000

    50,000

    50,000

    15,000

    15,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    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

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    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

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    10,000

    25,000

    30,000

    30,000

    25,000

    10,000

    5,000

    30,000

    25,000

    10,000

    5,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    350

    400

    400

    400

    400

    350

    0

    400

    400

    350

    0

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    0

    100

    100

    100

    100

    100

    100

    0

    100

    100

    100

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    350

    500

    500

    500

    500

    350

    200

    500

    500

    350

    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

    99,999

    99,999

    99,999

    99,999

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    0

    150

    200

    200

    150

    0

    0

    200

    150

    0

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    0

    150

    300

    400

    400

    300

    150

    0

    400

    300

    150

    0

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    0

    150

    1,000

    1,000

    1,000

    1,000

    150

    0

    1,000

    1,000

    150

    0

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    500

    500

    500

    500

    0

    0

    500

    500

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    1,500

    1,500

    1,500

    1,500

    0

    0

    1,500

    1,500

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    500

    750

    750

    750

    750

    500

    0

    750

    750

    500

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    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

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    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

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    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

    0

    0

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

    0

    0

    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

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    500

    500

    500

    500

    0

    0

    500

    500

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    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

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    N

    N

    Y

    Y

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    Y

    Y

    Y

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    Y

    Y

    Y

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    Y

    Y

    Y

    Y

    N

    Y

    Y

    Y

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    N

    N

    N

    N

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

    N

    N

    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

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    Y

    Y

    N

    N

    Y

    Y

    N

    N

Sample Quotes from Insure and Away.

Listed below are some Sample Quotes offered by Insure and Away

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Couple

Age: 18 - 29

Trip Days: 21

Insure and Away Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

50

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 1,000

Delayed Departure 400

Baggage 2,500

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide

Individual

Age: 18 - 29

Trip Days: 7

Insure and Away Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

50

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 1,000

Delayed Departure 400

Baggage 2,500

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Family

Age: 30 - 39

Trip Days: 365

Insure and Away Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

50

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 1,000

Delayed Departure 400

Baggage 2,500

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Worldwide (Excluding USA & Canada)

Family

Age: 50 - 59

Trip Days: 365

Insure and Away Travel Insurance Review
Product Rating

Experience Rating

Premier Plus

50

Medical Expenses 10,000,000

Cancellation 7,500

Missed Departure 1,000

Delayed Departure 400

Baggage 2,500

Personal Accident 30,000

Personal Liability 2,000,000

Legal Expenses 50,000

Backpacker

Europe

Individual

Age: 30 - 39

Trip Days: 365

Insure and Away Travel Insurance Review
Product Rating

Experience Rating

Essential

150

Medical Expenses 5,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 15,000

Backpacker

Europe

Individual

Age: 40 - 45

Trip Days: 30

Insure and Away Travel Insurance Review
Product Rating

Experience Rating

Essential

150

Medical Expenses 5,000,000

Cancellation 0

Missed Departure 0

Delayed Departure 0

Baggage 0

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 15,000