Insure For You Travel Insurance Review

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

Who are Insure For You Travel Insurance

Insure for you no longer offer travel insurance

Click Here for Alternative Travel Insurance quotes

Insure For You is a specialist insurance provider of various products including Wedding Insurance, Insolvency Insurance (also known as Holiday Protection Insurance) and Travel Insurance which now includes a Medical Screening service. Insure for You is a trading style of Insure For Travel Limited who is authorised and regulated by the Financial Conduct Authority, licence number 458950. Insure for Travel also own Elect Travel Insurance.

All Travel Insurance policies are underwritten by MAPRFRE ASSISTENCIA.

How to Buy Travel Insurance from Insure For You

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

How Insure For You 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 For You.

Single Trip Policy Ratings Click to Expand

We have reviewed 2 Single Trip Policies from Insure For You Travel Insurance. They are - Platinum - Gold. We have rated these as follows:-

Rating for Single Trip Platinum:

Rating for Single Trip Gold:

Insure For You Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Insure For You Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 2 Annual Policies from Insure For You Travel Insurance. They are - Gold - Platinum. We have rated these as follows:-

Rating for Annual Gold:

Rating for Annual Platinum:

Insure For You Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Insure For You 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 For You's policy wording

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

Your dependents who are under the age of 18, living at home with you 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.

3. What are the policy Trip Duration limits?

Trip Duration - Single Trip
A single trip, is subject to a maximum limit of 180 days for Insured's aged 65 or under at the time of purchase of the policy or a maximum limit of 31 days for Insured's aged 66-74 at the time of purchase of the policy.

Trip Duration - Annual Multi Trip
Any number of return trips as defined subject to a maximum duration on any one trip of 45 days for any person aged 65 or under at the time of purchasing the policy, or 31 days for any person aged 66-74 at the time of purchasing the policy.

4. What are the options for Winter Sports cover?

Winter Sports can be added to your Annual Policy for 17 days per policy year and for the entire duration of your single trip.

The policy covers 24 different winter sports pursuits including off piste skiing and snowboard (only those areas deemed safe by the resort)

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

Up to 7 individuals and or a family may insure themselves under the same policy. (Although there is not group discount available)

Family means “Two (2) adults and up to 4 dependant children under the age of 18 in full time education.”

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?

Sports and Activities are split into Grades  1 - 4.  There are in excess of 50 activities, classed as Grade 1 and covered as standard. Grades 2 - 4 require additional premiums.  Please note that a General Exclusion of cover exists under your policy with us for claims arising directly or indirectly from your “self exposure to needless peril”. This means that we will not pay your claim if you do not meet this policy condition.

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?

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?

Not Covered under this policy.

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

Pre-existing medical conditions are excluded under this policy.

However medical conditions can be included provided they are declared online using the medical screening process.

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.

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?

The maximum payment for any single item for which an original receipt, proof of purchase or insurance valuation (obtained prior to the loss) is not supplied is £60 subject to a maximum of £300 for all such items. The maximum payment for tobacco, alcohol or fragrances (perfumes, aftershaves etc) is £50.

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 under this policy.

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

All insured persons must be a resident of the United Kingdom, Channel Islands and British Forces Posted Overseas only.

Insure For You's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on insure-for-you-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 For You 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 For You Policies

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

  • Pre existing medical conditions can be pre screened and quoted for online
  • No cover for end supplier or scheduled airline failure
  • No cover against natural disaster or catastrophe

What Cover do Insure For You 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

    Gold

    Annual

    Platinum

    Annual

    Platinum

    Single Trip

    Gold

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    125

    100

    100

    125

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    7,500,000

    10,000,000

    10,000,000

    7,500,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    2,000

    3,000

    3,000

    2,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    20,000

    20,000

    10,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,000

    2,000

    2,000

    1,000

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    300

    300

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

    300

    300

    300

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    500

    250

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    4,000,000

    4,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    10,000

    20,000

    20,000

    10,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    20,000

    20,000

    10,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    250

    500

    500

    250

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    250

    500

    500

    250

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    200

    200

    200

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    100

    200

    200

    100

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    200

    400

    400

    200

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    1,000

    1,000

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

    0

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

    0

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    250

    1,500

    1,500

    250

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

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

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

Sample Quotes from Insure For You.

Listed below are some Sample Quotes offered by Insure For You

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide (Excluding USA & Canada)

Individual

Age: 40 - 49

Trip Days: 21

Insure For You Travel Insurance Review
Product Rating

Experience Rating

Platinum

100

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 1,000

Delayed Departure 400

Baggage 2,000

Personal Accident 20,000

Personal Liability 4,000,000

Legal Expenses 20,000

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 50 - 59

Trip Days: 7

Insure For You Travel Insurance Review
Product Rating

Experience Rating

Platinum

100

Medical Expenses 10,000,000

Cancellation 3,000

Missed Departure 1,000

Delayed Departure 400

Baggage 2,000

Personal Accident 20,000

Personal Liability 4,000,000

Legal Expenses 20,000

Annual

Europe

Couple

Age: 40 - 49

Trip Days: 365

Insure For You Travel Insurance Review
Product Rating

Experience Rating

Gold

125

Medical Expenses 7,500,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000

Annual

Europe

Individual

Age: 50 - 59

Trip Days: 365

Insure For You Travel Insurance Review
Product Rating

Experience Rating

Gold

125

Medical Expenses 7,500,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 200

Baggage 1,000

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 10,000