Insuremore Travel Insurance Review

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

Who are Insuremore Travel Insurance

InsureMore is a leading travel insurance provider and is part of PKC Associates Ltd. They have been providing travel insurance to millions of customers since 1991 and pride themselves on their products and service.

All travel policies are underwritten by ETI  International Travel Protection, the United Kingdom branch of Europaische Reiseversicherung (ERV) A.G., an Ergo Group Company incorporated and regulated under the laws of Germany. ERV are subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.

Save up to 10% by buying online with Insuremore, prices starting from just 74p per day and three levels of cover to choose from.

Free Kids Cover   
Free Car Hire Excess Cover   
£10 Million Medical Cover   
Prices start from just £6.68 for a weeks cover in Europe    

How to Buy Travel Insurance from Insuremore Travel Insurance

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

How Insuremore 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 Insuremore Travel Insurance.

Single Trip Policy Ratings Click to Expand

We have reviewed 3 Single Trip Policies from Insuremore Travel Insurance. They are - Deluxe - Standard - Basic. We have rated these as follows:-

Rating for Single Trip Deluxe:

Rating for Single Trip Standard:

Rating for Single Trip Basic:

Insuremore Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Insuremore Backpacker Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 3 Annual Policies from Insuremore Travel Insurance. They are - Deluxe - Standard - Basic. We have rated these as follows:-

Rating for Annual Deluxe:

Rating for Annual Standard:

Rating for Annual Basic:

Insuremore Annual Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Insuremore 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 Insuremore Travel Insurance's policy wording

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

A child is dependent, blood related, adopted, or fostered (including grandchildren and up to two non family children (single trip), under the age of 18 at the time of departure, residing at the same address and in full time education.

2. What are the policy age limits?

A single trip is available to those up to the age of 65 (Basic and Standard cover) or up to 75 (deluxe cover).

An annual policy is available to those up to the age of 65 (Basic and Standard cover) or up to the age of 69 (deluxe cover).

3. What are the policy Trip Duration limits?

A single trip policy can be taken out for up to 60 days (Basic and standard policies) and up to a maximum of 365 days (Deluxe policy). Any person aged 66 and over is restricted to 60 days (all policies).

An annual policy allows for an unlimited number of trips but each trip is restricted to a maximum of 45 days leisure and 90 days in respect of business trips (restricted to 31 days if you are aged 66 and over).

4. What are the options for Winter Sports cover?

Winter sports can be included as an option on Deluxe policies only. In respect of single trips for the duration of the trip. In respect of annual trips, up to a maximum of 17 days.

The policy covers skiing and snowboarding as standard and eight further activities that attracts an increased medical excess and excludes personal accident and liability cover.

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

An Insuremore policy can be taken out by one person, a couple or family and their dependent children.

The policy will also cover a group of up to 200 individuals under the same policy, although there is no benefit on the premium for doing so.

 

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

If travelling to a European country you must use where possible, medical facilities that has reciprocal agrrements in place with the UK, such as the EHIC. If medical expenses are reduced as a result the excess will be waived.

If you visit Australia and require medical treatment, reciprocal agreements may exist under the Medicare system. You should present your passport at the time of treatment.

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

Cover for hazardous activities are only provided under the deluxe policy. The policy lists 40 activities it covers as standard (List A), although the medical excess increases to £150.

A further 24 activities (including scuba diving) can be included (list B), subject to payment of an additional premium, an increased £250 medical excess and exclusion of personal accident and liability cover.

 

8. What are the policy Alcohol Exclusion terms?

The policy excludes claims for you being under the influence and/or effects of intoxicating liquor or alcohol.

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

Not Covered

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

If you or any person upon whose health the trip may depend have any pre-existing medical conditions or are over the age of 70, must declare the details to the medical screening team.

The policy provides a list of minor acceptable ailments that do not need declaring. If medical conditions are not declared any claim in connection with that condition will not be covered.

There is no facility to underwrite medical conditions online at the point of sale.

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

Cover for emergency medical expenses in respect of pregnancy is excluded unless;

  • You were not aware that you were pregnant at the time your policy was issued and your trip was booked.
  • There are complications in your pregnancy
  • You are not more than 32 weeks pregnant

Note you must be certified by your GP as being fit to travel

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 excludes manual work of a physical nature, using tools or machinery, lifting heavy objects or working from heights in excess of 3.5 metres.

No other occupation is mentioned. If you intend to work whilst abroad, we recommend contacting the Insurer for clarification, making sure you receive any confirmation in writing.

 

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

The policy excludes any losses in respect of personal possessions exceeding the value of £75, where you cannot prove the purchase price (with a receipt or bank statement), subject to a maximum total of £300.

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

Acts of Terrorism cover applies to Cancellation, Medical and Other expenses and Personal Possessions, money and Travel Documents only

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

Not Covered

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

You must be legally resident in the UK for at least six months and be registered with a UK General Practitioner (GP)

Insuremore Travel Insurance's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on insure-more-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 Insuremore 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 Insuremore Policies

We've highlighted Pro's and Cons for Insuremore , 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 Insuremore Travel Insurance.

  • Children Insured free under the Comprehensive Family Policy
  • Free Car Hire Excess Cover, when you take out a Deluxe Policy
  • No cover for scheduled airline or end supplier failure

What Cover do Insuremore 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

    Basic

    Annual

    Standard

    Annual

    Deluxe

    Annual

    Deluxe

    Single Trip

    Standard

    Single Trip

    Basic

    Single Trip

Primary Cover toggle

  • Policy Excess
    Policy Excess

    60

    60

    50

    50

    60

    60

  • 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

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    0

    750

    5,000

    5,000

    750

    0

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    5,000

    5,000

    25,000

    25,000

    5,000

    5,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    0

    750

    2,000

    2,000

    750

    0

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    0

    150

    250

    250

    150

    0

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    0

    150

    250

    250

    150

    0

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    500

    500

    500

    500

    0

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    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

    0

    0

    25,000

    25,000

    0

    0

  • 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

    0

    0

    0

    0

    0

  • 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

    5,000

    25,000

    25,000

    5,000

    5,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    0

    500

    500

    500

    500

    0

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    200

    200

    1,000

    1,000

    200

    200

  • 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

    2,000

    2,000

    2,000

    2,000

    2,000

    2,000

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    0

    50

    100

    100

    50

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    60

    60

    100

    100

    60

    60

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    500

    500

    800

    800

    500

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    500

    500

    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

    500

    500

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    250

    250

    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

    0

    500

    500

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

  • 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

    Y

    Y

    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

    N

    N

    N

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    Y

    Y

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

  • 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

    N

    Y

    Y

    N

    N

Sample Quotes from Insuremore Travel Insurance.

Listed below are some Sample Quotes offered by Insuremore Travel Insurance

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Europe

Family

Age: 50 - 59

Trip Days: 14

Insuremore  Travel Insurance Review
Product Rating

Experience Rating

Basic

60

Medical Expenses 10,000,000

Cancellation 0

Missed Departure 500

Delayed Departure 60

Baggage 0

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 0

Single Trip

Worldwide (Excluding USA & Canada)

Family

Age: 30 - 39

Trip Days: 21

Insuremore  Travel Insurance Review
Product Rating

Experience Rating

Standard

60

Medical Expenses 10,000,000

Cancellation 750

Missed Departure 500

Delayed Departure 60

Baggage 750

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 0

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 18 - 29

Trip Days: 365

Insuremore  Travel Insurance Review
Product Rating

Experience Rating

Deluxe

50

Medical Expenses 10,000,000

Cancellation 5,000

Missed Departure 800

Delayed Departure 100

Baggage 2,000

Personal Accident 25,000

Personal Liability 2,000,000

Legal Expenses 25,000

Annual

Europe

Individual

Age: 30 - 39

Trip Days: 365

Insuremore  Travel Insurance Review
Product Rating

Experience Rating

Standard

60

Medical Expenses 10,000,000

Cancellation 750

Missed Departure 500

Delayed Departure 60

Baggage 750

Personal Accident 5,000

Personal Liability 1,000,000

Legal Expenses 0