Insurefortravel Travel Insurance Review

Insurefortravel Travel Insurance Review

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

Who are Insurefortravel Travel Insurance

Insure For Travel is a specialist travel insurance company. Insure for Travel also operates under the trading style Insure for You and Elect Travel Insurance.

Choose from single or annual travel policies and from three levels of cover, Emerald, Diamond and Diamond Plus. 

How to Buy Travel Insurance from Insurefortravel.co.uk

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

How Insurefortravel 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 Insurefortravel.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Insurefortravel Travel Insurance. They are - Diamond - Diamond Plus - Emerald. We have rated these as follows:-

Rating for Single Trip Diamond:

Rating for Single Trip Diamond Plus:

Rating for Single Trip Emerald:

Insurefortravel Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Insurefortravel Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Insurefortravel Travel Insurance. They are - Diamond - Diamond Plus - Emerald. We have rated these as follows:-

Rating for Annual Diamond:

Rating for Annual Diamond Plus:

Rating for Annual Emerald:

Insurefortravel Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Insurefortravel 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 Insurefortravel.co.uk's 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

2. What are the policy age limits?

At time of purchase:-

74 or under for Single Trip.

74 or under for Multi Trip. Aged 65 (Max Trip Days 45) and 66-74 (Max Trip Days 31).

66 or under for Long Stay.

3. What are the policy Trip Duration limits?

Trip Duration limits for Single Trips are 180 days for those aged 65 and under, or a maximum of 31 days for insured's aged 66-74 at the time of purchase.  For Annual Trips, Trip Duration is limited to 45 days per trip for those aged 65 and under, or a maximum of 31 days for insured's aged 66-74 at the time of purchase.

4. What are the options for Winter Sports cover?

Winter Sports can be added to your Annual Policy for 17 days per policy year.

The winter sports policy includes 25 different activities as standard, including off-piste skiing and snowboarding (as long as it is in areas designated safe by the resort management.

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

Group up to 7 individuals.

Family means up to two adults aged up to 60 years plus up to 4 of their children, step children or foster children aged under 18 years in full time education at date of issue of the policy. The children are only insured when traveling with one or both of the insured adults, but under annual multi trip cover either adult are insured to travel on their own.

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

EHIC mandatory if travelling to the EU. Should you require medical treatment in Australia or New Zealand, you should enrol with MEDICARE. It is not necessary to enrol on arrival. You can simply do this at the first occasion on which you receive treatment.

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

There are 116 grade 1 activities included as standard, like surfing, shark cage diving and qualified scuba diving down to 30 metres.  There are an additional 45 riskier pursuits, that are split into grades 2, 3 & 4.

If you wish to include one of these activities, you will need to choose the relevant grade and pay the additional premium required. Some of these activities exclude liability cover and have reduced personal accident cover with increased medical expenses excess, so you should 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?

Policy states the Insurer shall not be responsible claims where “you being under the influence of or in connection with the use of alcohol or drugs, unless as prescribed by a treating doctor. “

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

Scheduled airline failure available as an option.

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

Pre-existing medical conditions may be quoted for provided that you go through their online medical screening process.  You will be asked a few questions at the initial stage and if you answer yes to any of those will be re-directed to the medical screening questions.

You are not covered in the event of a failure to obtain any recommended vaccines, inoculations or medications prior to your trip departure.

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

As is consistent with the treatment of all pre-existing medical conditions under the Policy, the Policy does not intend to cover the normal costs or losses otherwise associated with pregnancy (including multiple pregnancy) or childbirth. This includes, but is not limited to, delivery by caesarean section or any other medically or surgically assisted delivery which does not cause medical complications. The Policy does, however, cover you should complications arise with your pregnancy due to accidental bodily injury or unexpected illness which occurs while on your 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 Work of any kind is specifically excluded under the policy.  The policy states the Insurer shall not be responsible claims where “directly or indirectly from you being engaged in any manual employment after the commencement of the trip.

The Insurefortravel policy does cover administrative office based positions, working on a cruise ship, teaching positions, bar/restaurant work and fruit picking as long as it does not ivolve the use of machinery.

You are also able to include manual labour which is covered under grade 2 activities, but the work must be at ground level only and involve no machinery.

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

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

Insurefortravel, may refuse to reimburse you for any property, for which you cannot provide proof of ownership, such as an original receipt, valuation, user manual or bank or credit card statement.

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?

You are not covered in respect of any act of terrorism; this exclusion will not apply to losses under the Emergency Medical Expenses and Repatriation Section, nor the Hospital Benefit Section nor the Personal Accident Section unless such losses are caused by nuclear, chemical or biological attack or planned attack, or the disturbances were already taking place at the beginning of any trip in which case the exclusion will apply.

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

Not covered or available under any of the policies.

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

This policy is only available to you if you are permanently resident in the United Kingdom and have registered with a Medical Practitioner in the United Kingdom.

Insurefortravel.co.uk's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on insure-for-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 Insurefortravel 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 Insurefortravel Policies

We've highlighted Pro's and Cons for Insurefortravel, 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 Insurefortravel.co.uk.

  • Pre-existing medical conditions can be underwritten online at the point of sale
  • Wintersports option includes cover for 25 different activities as standard.

No Con's

What Cover do Insurefortravel 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

    Single Trip

    Diamond

    Single Trip

    Diamond Plus

    Single Trip

    Emerald

    Annual

    Diamond

    Annual

    Diamond Plus

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    150

    125

    100

    150

    125

    100

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    7,500,000

    10,000,000

    12,500,000

    7,500,000

    10,000,000

    12,500,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    1,250

    2,500

    5,000

    1,250

    2,500

    5,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    10,000

    20,000

    5,000

    10,000

    20,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    500

    1,000

    2,000

    500

    1,000

    2,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    150

    200

    300

    150

    200

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    200

    300

    300

    200

    300

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    175

    250

    500

    175

    250

    500

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    1,000,000

    2,000,000

    4,000,000

    1,000,000

    2,000,000

    4,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    5,000

    10,000

    20,000

    5,000

    10,000

    20,000

  • 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

    0

    3,000

    5,000

    0

    3,000

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    10,000

    20,000

    5,000

    10,000

    20,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    175

    250

    500

    175

    250

    500

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    150

    250

    500

    150

    250

    500

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

    200

    200

    200

    200

  • 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

    50

    100

    200

    50

    100

    200

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    200

    400

    100

    200

    400

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    250

    500

    1,000

    250

    500

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • 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

    250

    1,500

    0

    250

    1,500

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    3,000

    5,000

    0

    3,000

    5,000

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    Y

    Y

    N

    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

    Y

    Y

    N

    Y

    Y

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