Insurepink Travel Insurance Review

Insurepink 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 Insurepink.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 Insurepink Travel Insurance

**** PLEASE NOTE INSURE PINK NO LONGER OFFER TRAVEL INSURANCE ONLINE ****

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

InsurePink and insurePink.co.uk are trading names of Hastings Insurance Services Limited, which is authorised and regulated by the Financial Conduct Authority.

Insurepink will donate £1 for every travel insurance policy to the Pink Ribbon Foundation. The Pink Ribbon Foundation is a grant making charity with a mission to fund projects and provide financial support to breast cancer charities.

Insurepink have teamed up with Travel Insurance Facilities to bring you Travel Insurance, choose either single trip, backpacker or longstay travel insurance.

How to Buy Travel Insurance from Insurepink.co.uk

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

How Insurepink 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 Insurepink.co.uk.

Single Trip Policy Ratings Click to Expand

We have reviewed 1 Single Trip Policies from Insurepink Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Single Trip Standard:

Insurepink Single Trip Insurance Review

Backpacker Policy Ratings Click to Expand

We have reviewed 1 Backpacker Policies from Insurepink Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Backpacker Standard:

Insurepink Backpacker Insurance Review

Annual Policy Ratings Click to Expand

found no policies available for this section.

Insurepink Annual Insurance Review

Longstay Policy Ratings Click to Expand

We have reviewed 1 Longstay Policies from Insurepink Travel Insurance. They are - Standard. We have rated these as follows:-

Rating for Longstay Standard:

Insurepink 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 Insurepink.co.uk's policy wording

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

Dependents are under the age of 18, living at home with the insured adults and in full time education. Insurepink also consider grandchildren, step-children, adopted and foster children, dependents.

2. What are the policy age limits?

The single trip policy has a maximum age limit of 85

The backpacker policy has an age limit of 40 and the Longstay policy 55.

3. What are the policy Trip Duration limits?

The Insurepink single trip policy can be taken out for a maximum of 94 days (three months), unless you are over the age of 65, when the limit is reduced to a maximum of 31 days.

Both the backpacker and longstay policies can be taken out for a minimum of a month and a maximum of 12 months.

4. What are the options for Winter Sports cover?

Winter sports cover can only be added to the single trip policy (It covers the duration of the trip). The policy covers ski equipment, loss of ski pack, piste and avalanche closure.

The winter sports section includes 29 different activities as standard (included under activity pack 3, included upon payment of the winter sports premium) Pursuits like snow mobiles/Ski Doo's  and off piste skiing or snowboarding with a guide.

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

An Insurepink policy can be taken out by ten individuals, a couple or a family, of one or two adults and up to eight children.

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

Insurepink, strongly recommend you apply for and carry the European Health Insurance Card, when travelling to European destinations (this includes Switzerland), so that you are able to take advantage of reciprocal health agreements at reduced rates.  If you have to make a medical expenses claim and this is reduced as a result of the card any medical expense excess will be waived by the Insurer.

If you are travelling to Australia, the policy states you must enrol with Medicare on arrival.

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

The single trip policy covers 100 different sporting and leisure activities (included in activity pack 1 as standard and without charge).  A further 274 activities are split into activity packs 2 - 8. The more extreme the activity the higher the pack and the higher the additional premium required to cover them.  For example activity pack 2 covers you for surfing and activity pack 8 covers you for mountain biking up to 6,000 metres.

The longstay and backpacker policies cover 113 activities (included in activity pack 1 as standard). There are a further 212 ventures which are split into activity packs 2 - 4 and require payment of an additional premium.  

We strongly recommend that you think carefully about which ventures you plan on doing whilst abroad and make sure that you have paid for the correct activity pack.

8. What are the policy Alcohol Exclusion terms?

The Insurepink policy excludes claims caused by you being under the influence of alcohol (a blood alcohol level that exceeds 0.19% equivalent to four pints or four 175ml glasses of wine).

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?

There is no cover under Insure Pink policies for medical conditions that you know about. However these can be declared and underwritten online at the point of sale, allowing you to travel fully covered.

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

The Insurepink policy includes cover for emergency medical expenses whilst you are pregnant from weeks zero to twenty eight, whilst you are abroad. From week twenty nine to week forty, there is no cover unless there is a "complication of pregnancy" 

The policy does provide a description of complications that it will cover.

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

Insurepink will not cover manual labour, which the policy describes as work involving the heavy lifting or carrying of items in excess of twenty five kilos, work at a level greater than two storeys or any work underground.

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

Any item with a purchase price in excess of £50 must be supported by original proof of ownership/purchase. Any items not supported by such proof of ownership/purchase will be paid at the maximum of £50 subject to an overall limit for all such items of £150.

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

In respect of all sections apart from emergency medical expenses, war and terrorism are excluded under the policy.

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?

The Insure Pink policy is for residents of the United Kingdom and Channel Islands only.

Insurepink.co.uk's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on insure-pink-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 Insurepink 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 Insurepink Policies

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

  • Pre existing medical conditions, can be included and underwritten online by declaring them during the quotation process.
  • No cover for Scheduled Airline Failure

What Cover do Insurepink 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

    Standard

    Single Trip

    Standard

    Backpacker

    Standard

    Longstay

Primary Cover toggle

  • Policy Excess
    Policy Excess

    75

    75

    75

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    5,000,000

    1,000,000

    2,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    1,000

    3,000

  • Curtailment
    Curtailment Explanation
    Cover Type Icon

    0

    0

    0

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    0

    5,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    1,250

    500

    1,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    250

    100

    200

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    250

    0

    200

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    0

    300

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    1,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    10,000

    50,000

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

  • Golf
    Golf Explanation
    Cover Type Icon

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

Secondary Cover toggle

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    10,000

    0

    5,000

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    500

    0

    300

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    500

    0

    200

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    150

    100

    100

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    2,000

    2,500

    2,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    150

    0

    0

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    100

    0

    100

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    800

    0

    500

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    0

    0

    0

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    0

    0

    0

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    0

    0

    0

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    0

    0

    0

  • Business
    Business Explanation
    Cover Type Icon

    0

    0

    0

  • Cruise
    Cruise Explanation
    Cover Type Icon

    0

    0

    0

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

    0

    0

    0

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

  • Cash Limit
    Cash Limit Explanation
    Cover Type Icon

    0

    0

    0

Optional Cover toggle

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    N

    N

    N

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    N

    N

    N

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    N

    N

    N

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    N

    N

    N

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    N

    N

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    N

    N

  • Business
    Business Explanation
    Cover Type Icon

    N

    N

    N

  • Wedding
    Wedding Explanation
    Cover Type Icon

    Y

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    Y

    N

    N

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

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

Sample Quotes from Insurepink.co.uk.

Listed below are some Sample Quotes offered by Insurepink.co.uk

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