Insure and Go Travel Insurance Review

Insure and Go  Travel Insurance Review

Insure and Go Travel Insurance Review

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

Our review of Insure and Go will highlight:
  • Who are Insure and Go and who underwrites their policies
  • How their travel policies have been ranked using our unique star rating formula
  • Find out how Insure and Go rate on our "User Friendly" Gauge. NEW INTERACTIVE FEATURE
  • 16 key points you need to know about their travel policy wording.
  • Pro's and Con's you should consider.
  • What Cover do Insure and Go policies offer.
  • Sample Quotes (if you don't want to perform a full comparison).
  • Customer Reviews
...and what makes us unique?
  • You can take all this information and search and compare with the entire travel insurance market.

Who are Insure and Go and who underwrites their policies?

Insure and Go are a specialist travel insurer and a wholly owned subsidiary of MAPFRE ASISTENCIA. Both are regulated by the FCA Financial Conduct authority.

MAPFRE are a multinational Insurer based in Spain. Insure and Go also own sites like Travelinsurance.co.uk All policies are of course underwritten by MAPFRE themselves.

With four levels of cover to choose from and Gold and Black policies awarded our five star ratings, you can be sure Insure and Go have a policy to suit everyones pocket.

Insure and Go Travel Insurance Policies are Underwritten By MAPFRE Insurance

How Insure and Go have been ranked using our star rating formula. Insure and Go  Star Ratings

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 Insure and Go Travel Insurance.

Single Trip Policy Ratings Click to Expand

There are 4 Single Trip Policies, they are Black, Gold, Silver, Budget, we have rated these as follows:-

Thats Insurance Rating for Black:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Budget:

Single Trip Travel Insurance Guide here
Insure and Go Travel Insurance Review

Backpacker Policy Ratings Click to Expand

There are 4 Backpacker Policies, they are Black, Gold, Silver, Bronze, we have rated these as follows:-

Thats Insurance Rating for Black:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Bronze:

Backpacker Travel Insurance Guide here
Insure and Go Travel Insurance Review

Annual Policy Ratings Click to Expand

There are 4 Annual Policies, they are Budget, Silver, Gold, Black, we have rated these as follows:-

Thats Insurance Rating for Budget:

Thats Insurance Rating for Silver:

Thats Insurance Rating for Gold:

Thats Insurance Rating for Black:

Insure and Go Travel Insurance Review

Longstay Policy Ratings Click to Expand

There are no policies available for this section.

Insure and Go Travel Insurance Review

Insure and Go 's 'User Friendly' Rating

That's Insurance have reviewed '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 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

16 Key Points you need to know about Insure and Go Travel Insurance's travel policy wording

1

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

Your dependents who are under the age of 18 and in full time education or living at home.

2

What are the policy age limits?

At time of purchase:-

Single Trip Policies: no upper age limits, however, trip duration limits do apply.

Annual Multi-Trip policies: no upper age limits, however, trip duration limits do apply.

Backpacker Policies: up to age 65

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 365 days if you are aged 65 or under, beginning and ending in your home area. They will only cover you for up to 31 days for each trip if you are aged 66 or over. 

Annual Trip, Trip Duration allows you to travel as many times as you like during any one period of insurance, as long as no single trip lasts longer than 45 days (31 days if you are aged 66 or over). Under the Gold and Black cover option the maximum length of a single trip is increased to 90 days if you are aged under 66.

Backpacker Trip Duration is from 31 days up to 18 months.

4

What does the policy offer for Winter Sports cover?

Winter sports is available for up to 17 days during the term of your policy (or 24 days if you have arranged Gold or Black cover).   You can add Winter Sports for the entire duration of your Single Trip.

The policy covers over twenty different activities as standard including off-piste skiing or snowboarding (except in areas considered unsafe by the resort)

5

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

Individuals between one and ten people. (There are no group discounts available)

Family means A person and their husband, wife or partner and their dependent, adopted or fostered children who are aged under 18 and are either in full-time education or living with them.

6

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

EHIC mandatory, if travelling to the EU. You must enrol in Medicare if travelling to Australia and requiring treatment.

7

What is covered under Sports and Activities on the policy?

There are 90 activities covered as standard, some activities exclude cover for Personal Liability and Personal Accident are excluded.

You can add a further 50 activities by taking the Hazardous Activities option (an additional premium is required) 

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?

We do not expect you to avoid alcohol consumption on your trips or holidays but we will not cover any claims arising because you have drunk so much alcohol that your judgement is seriously affected and you need to make a claim as a result (e.g. any medical claim where in the opinion of the treating doctor, your excessive alcohol consumption has caused or actively contributed to your injury or illness, including but not exclusively having a blood alcohol reading of more than 150mg per 100ml).

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

Scheduled Airline Failure and End Supplier Insolvency included on Gold and Black policy as standard.

10

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

Pre-Existing Medical Conditions can be considered, however you will need to complete their online screening process. Any pre-existing medical condition that has not been declared and accepted in writing by the insurer will not be covered.

11

What are the policy rules on travelling when pregnant?

Policy States “We provide cover under this policy if something unexpected happens. In particular, we provide cover under section B Medical and other expenses for injuries to the body or illness that was not expected.  We do not consider pregnancy or childbirth to be an illness or injury. To be clear, we only provide cover under sections A, B and C of this policy, for claims that come from complications of pregnancy and childbirth. Please make sure you read the definition of ‘Complications of pregnancy and childbirth’ on page 12.

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 is work that is physical, including, but not limited to; construction, installation, assembly and building work. This does not include bar and restaurant staff, musicians and singers and fruit pickers (who do not use machinery).

They will provide cover for manual labour that is voluntary, for a charity registered under the Charity Commission in England and Wales, the Scottish Charity regulator or the Department for Social Development in Northern Ireland and where you will not earn any money. In these situations, you will not be covered for work that involves installing, putting together, maintaining, repairing or using heavy electrical, mechanical or hydraulic machinery. You will not be covered when you are working more than three meters above the ground, and cover for personal accident and personal liability is not included. If you injure yourself during voluntary work, the policy excess under section B Medical and other expenses will be £100 and an excess waiver will not delete this increased excess.

In the event of an injury occurring as a result of voluntary labour, the Policy Excess under the section Medical Emergency & Repatriation will be increased to £250 and application of Excess Waiver will not delete this increased excess. Cover excludes interaction with wild animals of any kind.

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?

Insurance Provider does not state that receipts are essential, however any claim for an item without a receipt may result in an additional 10% deduction on payments.

Therefore, we strongly recommend that it would be sensible to keep receipts of any new clothes/property purchased for your holiday; and additionally, any valuation for items that are of value, but you don’t have an original receipt. 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?

No section of this policy (apart from section B Medical and other expenses) shall apply in respect of any claim arising directly or indirectly from a natural disaster or civil unrest unless you chose and have paid the appropriate extra premium for the Travel disruption option which provides cover in this respect for Delayed departure or abandoning your trip, Missed departure and Accommodation cover.

15

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

Not covered as standard under this policy, aside from as mentioned above. Travel Disruption as a result of natural disaster or catastrophe can be included subject to payment of an additional premium.

16

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

You must have lived in the UK or Channel Islands for six of the last twelve months, prior to purchase of a policy

Pro's and Con's for Insure and Go

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 Insure and Go Travel Insurance.

  • Gold and Black policies awarded our five star rating
  • No age limit on single trip or annual trip policies
  • Gold and Black annual travel policies allow trips of up to 90 days as standard
  • Gold and Black policies cover Scheduled Airline and End Supplier Failure as standard
  • Pre existing medical conditions can be underwritten online during the quotation process
  • Child assist cover as standard

No Con's

What Cover do Insure and Go policies offer.

Click on the arrows on the left and right of the policy boxes below, to scroll through the policies offered by Insure and Go Travel Insurance and view cover.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Black

    Single Trip

    Gold

    Single Trip

    Silver

    Single Trip

    Budget

    Single Trip

    Budget

    Annual

    Silver

    Annual

    Gold

    Annual

    Black

    Annual

    Black

    Backpacker

    Gold

    Backpacker

    Silver

    Backpacker

    Bronze

    Backpacker

Primary Cover toggle

  • Policy Excess
    Policy Excess

    0

    50

    60

    100

    100

    60

    50

    0

    0

    50

    60

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    Unlimited

    15,000,000

    10,000,000

    5,000,000

    5,000,000

    10,000,000

    15,000,000

    Unlimited

    Unlimited

    15,000,000

    10,000,000

    5,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    10,000

    7,500

    5,000

    1,000

    1,000

    5,000

    7,500

    10,000

    7,500

    5,000

    3,000

    2,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    75,000

    50,000

    20,000

    10,000

    10,000

    20,000

    50,000

    75,000

    40,000

    25,000

    15,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    3,000

    2,500

    2,000

    1,000

    1,000

    2,000

    2,500

    3,000

    2,500

    2,000

    1,500

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    500

    300

    200

    100

    100

    200

    300

    500

    300

    200

    150

    100

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    600

    400

    200

    100

    100

    200

    400

    600

    600

    400

    300

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    750

    500

    500

    200

    200

    500

    500

    750

    400

    300

    200

    150

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    3,000,000

    2,000,000

    2,000,000

    1,000,000

    1,000,000

    2,000,000

    2,000,000

    3,000,000

    3,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    60,000

    50,000

    15,000

    10,000

    10,000

    15,000

    50,000

    60,000

    40,000

    25,000

    15,000

    10,000

  • Repatriation Cover
    Repatriation Cover 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

    10,000

    7,500

    5,000

    5,000

    5,000

    5,000

    7,500

    10,000

    0

    0

    0

    0

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    2,000

    1,500

    1,000

    100

    100

    1,000

    1,500

    2,000

    0

    0

    0

    0

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

    250

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    2,500

    5,000

    5,000

    5,000

    5,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    300

    200

    100

    50

    50

    100

    200

    300

    450

    300

    150

    75

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    650

    540

    450

    200

    200

    450

    540

    650

    650

    540

    450

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,500

    1,000

    500

    0

    0

    500

    1,000

    1,500

    1,500

    1,000

    500

    250

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    750

    500

    200

    0

    0

    200

    500

    750

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    1,000

    500

    500

    0

    0

    500

    500

    1,000

    600

    500

    400

    250

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    3,000

    1,500

    0

    0

    0

    0

    1,500

    3,000

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    1,500

    1,000

    750

    500

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    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

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    Y

    Y

    Y

    Y

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    N

    N

    Y

    Y

    Y

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    N

    N

    Y

    Y

    Y

    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

    N

    N

    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

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    Y

    Y

    Y

    Y

Sample Quotes from Insure and Go .

Listed below are some Sample Quotes offered by Insure and Go Travel Insurance (or click button to compare with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 60 - 64

Trip Days: 21

Insure and Go  Travel Insurance Review
That's Insurance Rating

Customer Rating

Budget

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 71 - 75

Trip Days: 21

Insure and Go  Travel Insurance Review
That's Insurance Rating

Customer Rating

Gold

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 7,500

Missed Departure 1,000

Delayed Departure 540

Baggage 2,500

Personal Accident 50,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide

Individual

Age: 18 - 29

Trip Days: 14

Insure and Go  Travel Insurance Review
That's Insurance Rating

Customer Rating

Budget

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Europe

Couple

Age: 71 - 75

Trip Days: 365

Insure and Go  Travel Insurance Review
That's Insurance Rating

Customer Rating

Black

0

Click Heart to Favourite

Compare Now

Medical Expenses Unlimited

Cancellation 10,000

Missed Departure 1,500

Delayed Departure 650

Baggage 3,000

Personal Accident 75,000

Personal Liability 3,000,000

Legal Expenses 60,000

Annual

Worldwide

Individual

Age: 40 - 49

Trip Days: 365

Insure and Go  Travel Insurance Review
That's Insurance Rating

Customer Rating

Budget

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Annual

Europe

Couple

Age: 65 - 70

Trip Days: 365

Insure and Go  Travel Insurance Review
That's Insurance Rating

Customer Rating

Budget

100

Click Heart to Favourite

Compare Now

Medical Expenses 5,000,000

Cancellation 1,000

Missed Departure 0

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 1,000,000

Legal Expenses 10,000

Backpacker

Worldwide (Excluding USA & Canada)

Individual

Age: 30 - 39

Trip Days: 365

Insure and Go  Travel Insurance Review
That's Insurance Rating

Customer Rating

Black

0

Click Heart to Favourite

Compare Now

Medical Expenses Unlimited

Cancellation 7,500

Missed Departure 1,500

Delayed Departure 650

Baggage 2,500

Personal Accident 40,000

Personal Liability 3,000,000

Legal Expenses 40,000

Backpacker

Worldwide

Individual

Age: 30 - 39

Trip Days: 30

Insure and Go  Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

60

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 500

Delayed Departure 450

Baggage 1,500

Personal Accident 15,000

Personal Liability 2,000,000

Legal Expenses 15,000

Backpacker

Worldwide

Individual

Age: 26 - 29

Trip Days: 90

Insure and Go  Travel Insurance Review
That's Insurance Rating

Customer Rating

Black

0

Click Heart to Favourite

Compare Now

Medical Expenses Unlimited

Cancellation 7,500

Missed Departure 1,500

Delayed Departure 650

Baggage 2,500

Personal Accident 40,000

Personal Liability 3,000,000

Legal Expenses 40,000

How to Buy Travel Insurance from Insure and Go Travel Insurance

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