Orlando Harmon
InsureandGo is a reputable travel insurance company that has been in business since 2000. The company offers a range of insurance packages, including comprehensive travel insurance, medical specialist insurance, and cruise cover add-ons. InsureandGo has received positive reviews from customers who commend the company for its competitive prices, user-friendly website, and efficient claims process. The company has also been praised for its comprehensive coverage, which includes emergency medical expenses, personal liability, and trip cancellation. While InsureandGo has generally received positive feedback, some customers have experienced delays in the claims process and issues with obtaining coverage for pre-existing medical conditions. Overall, InsureandGo is a well-regarded travel insurance provider that offers a range of comprehensive and affordable insurance packages to suit the needs of different travellers.
| Characteristics | Values |
|---|---|
| Customer reviews | Positive reviews praise the ease of use, quick and easy application process, competitive pricing, comprehensive coverage, and good customer service. Negative reviews mention delays in the claims process and lack of cover for certain situations. |
| Expert reviews | Which? gives InsureandGo a score of 81% for its travel insurance. Forbes Advisor Australia gives a score of 4.0 out of 6,243 reviews. |
| Features | InsureandGo offers different tiers of travel insurance (Bare Essentials, Silver, and Gold) with varying levels of coverage, including medical expenses, personal liability, emergency expenses, baggage cover, trip cancellation, travel delay expenses, and more. |
| Suitability | InsureandGo is suitable for older and younger travellers, with generous age limits and coverage for pre-existing medical conditions. It also offers pregnancy travel insurance and winter sports coverage. |
| Claims process | Customers can lodge a claim online or submit a claim form via email or post. The company aims to respond within 10 business days. |
| Reputation | InsureandGo is a leading provider of travel insurance, serving over 2 million customers. It is a subsidiary of Europ Assistance and is underwritten by Mitsui Sumitomo Insurance Company Limited. |
| Claim acceptance rate | According to the Financial Conduct Authority data for 2023, InsureandGo paid 85-90% of claims made on European annual policies, above the average of 82.20%. |
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What You'll Learn
Insure and Go is a reputable medical specialist insurer
One of the standout features of Insure and Go is its medical coverage. It offers generous age limits, comprehensive medical coverage, and a large number of positive reviews specifically mentioning their medical claims experience. The company provides $15,000 in cover for lost luggage on its Gold policy, which includes unlimited overseas medical expenses. This comprehensive coverage includes emergency surgery, ambulance costs, and repatriation. Insure and Go also covers medical expenses for pre-existing conditions, which is a significant advantage for travellers with ongoing health needs.
Insure and Go is listed as a medical specialist insurer, making it a good option for those who have difficulties obtaining cover at a reasonable price due to their medical history. The company works with a medical screening company called Verisk to evaluate customers' medical risks accurately. It's important to note that while Insure and Go is a specialist, its Budget policy does not cover pre-existing conditions, so customers seeking this type of coverage should choose one of the other policy options.
The company has received numerous positive reviews from customers who have utilised their medical coverage. One customer shared their experience of being bitten by a cat in Thailand and requiring rabies vaccinations. Insure and Go staff guided them through the claim process, and they found the staff to be very helpful and pleasant to deal with. Another customer praised Insure and Go for covering their hospital expenses in Thailand. These reviews highlight the company's expertise and commitment to supporting customers with their medical needs while travelling.
In addition to its medical coverage, Insure and Go offers a range of other benefits, such as personal liability cover, emergency expenses, baggage cover, trip cancellation, and travel delay expenses. The company also provides 24/7 emergency assistance and has a non-emergency phone number and email for general enquiries. Overall, Insure and Go's comprehensive coverage, competitive pricing, and positive customer reviews solidify its reputation as a reputable medical specialist insurer.
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It offers comprehensive travel insurance options
InsureandGo is a reputable travel insurance provider with a wide range of comprehensive insurance options. Established in 2000, it is a wholly-owned subsidiary of Europ Assistance and is underwritten by Mitsui Sumitomo Insurance Company Limited.
InsureandGo offers three main tiers of travel insurance: Bare Essentials, Silver, and Gold. The Bare Essentials plan includes essential coverage such as medical expenses, personal liability, emergency expenses, and baggage cover. The Silver plan offers additional benefits, such as trip cancellation and travel delay expenses. The Gold Policies provide the most comprehensive coverage, including higher cash value limits and cover for special events, hijacking, pet care, and journey resumption.
One of InsureandGo's standout features is its generous age limits, catering to travellers up to 100 years old, with children up to 18 years included if travelling with parents or grandparents. This makes it an attractive option for older and younger travellers alike. The company also offers comprehensive medical coverage, which includes emergency surgery, ambulance costs, and repatriation. InsureandGo is a listed medical specialist insurer, making it a good choice for those with pre-existing medical conditions.
In addition to its standard plans, InsureandGo provides a range of add-ons and upgrades to customise your policy. These include coverage for winter sports, adventure sports, golf, business equipment, and natural disasters. The company also offers competitive pricing, with many customers praising the value for money their policies provide.
InsureandGo has received numerous positive reviews from customers, with an overall score of 4.0 out of 5 on the consumer opinion site, ProductReview. Many customers highlight the ease of purchasing a policy, the competitiveness of their premiums, and the comprehensive nature of their coverage. The company's 24/7 emergency assistance, provided by Europ Assistance, is also a notable feature, ensuring travellers have access to support whenever they need it.
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It has positive reviews for its customer service
InsureandGo has received positive reviews for its customer service. On Trustpilot, one customer praised the company for its helpful and pleasant staff, who guided them through the claim process after they were bitten by a cat in Thailand and needed rabies vaccinations. Another customer on the same platform commended InsureandGo for its quick response to a difficult situation involving a friend.
InsureandGo's customer service has also been recognised by Forbes, which described the company as a "great option" for travellers of all ages, highlighting its generous age limits and comprehensive medical coverage. The company provides 24/7 emergency assistance through its parent company, Europ Assistance.
On ProductReview, InsureandGo has earned a score of 4.0 out of 5 from 6,243 reviews. Customers have praised the company's professional and knowledgeable staff, as well as its competitive pricing and comprehensive coverage. One reviewer noted that they always start their trip planning by checking InsureandGo's promotional codes and obtaining a quote from the company.
InsureandGo's website is user-friendly, making it easy for customers to navigate the different policy options and understand the features included. The company also offers a range of additional upgrades, such as coverage for winter sports, adventure sports, and natural disasters, ensuring that customers can customise their policies to meet their specific needs.
Overall, InsureandGo has received positive feedback for its customer service, with many reviewers highlighting the helpfulness and professionalism of its staff, the ease of navigating its website, and the competitiveness of its pricing and coverage.
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It provides good value for money
InsureandGo is a reputable company that offers good value for money with its comprehensive travel insurance options. The company has been providing travel insurance since 2000 and is a wholly-owned subsidiary of Europ Assistance. It offers different tiers of insurance plans, including Bare Essentials, Silver, and Gold, with varying levels of coverage and benefits.
One of the standout features of InsureandGo is its generous age limits, catering to travellers below 100 years old. Dependants of parents or grandparents also travel for free. This makes it an excellent option for families, as children up to 18 years old are included in the policy when travelling with their parents or grandparents.
The Bare Essentials plan covers essential travel insurance needs, such as medical expenses, personal liability, emergency expenses, and baggage cover. Upgrading to the Silver plan provides additional benefits, including trip cancellation cover, travel delay expenses, and more. The Gold policy is the most comprehensive, offering higher cash value coverage and including special events, hijacking, pet care, and journey resumption.
InsureandGo also offers a range of add-ons and upgrades to customise your policy further. These include coverage for winter sports, adventure sports, golf, business equipment, and natural disasters. Their pregnancy travel insurance is particularly notable, providing cover up to 30 weeks for a single pregnancy and 24 weeks for multiple pregnancies.
The company has received numerous positive reviews from customers, praising its competitive pricing, ease of purchase, and comprehensive coverage. Many have highlighted the value for money that InsureandGo provides, with its range of features and benefits at a reasonable cost. The company has also demonstrated its commitment to customer satisfaction by actively responding to reviews and offering promotional codes to make its policies even more accessible.
In conclusion, InsureandGo's travel insurance plans offer excellent value for money, providing comprehensive coverage, flexibility, and peace of mind for travellers, all at competitive prices. Its range of plans, add-ons, and upgrades ensure that travellers can find the right level of protection for their specific needs without breaking the bank.
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It has a range of coverage options, including for older travellers
InsureandGo is a reputable travel insurance company with a range of coverage options, including for older travellers. The company has been in business for over 20 years and is fully owned by Europ Assistance, a global assistance company with a presence in more than 200 countries. InsureandGo offers several types of insurance, including single-trip, annual multi-trip, and cruise travel insurance. They also provide extreme sports travel insurance, which covers hazardous activities such as skydiving and canyon swinging.
InsureandGo's senior travel insurance product is specifically designed to meet the needs of older travellers, covering individuals up to 100 years of age. The company has received awards for its senior travel insurance, including the Canstar 2023 award for Outstanding Value in Seniors Travel Insurance and the WeMoney 2024 Award for Best for Seniors Travel Insurance. InsureandGo's senior travel insurance includes unlimited overseas medical expenses and coverage for pre-existing medical conditions, subject to agreement.
In addition to their senior travel insurance, InsureandGo also offers family travel insurance, which covers children under 18 travelling with their parents or grandparents at no additional cost. This can be particularly useful for older travellers who are travelling with their grandchildren. InsureandGo's Gold Level Coverage option provides unlimited cancellation cover, which can be beneficial for older travellers who may need to cancel their trips due to unforeseen circumstances.
InsureandGo's website makes it easy for customers to obtain a quote and compare different policy options. The company has received positive reviews from customers, with many praising the competitiveness of their prices, the ease of navigating their website, and the helpfulness of their staff. Overall, InsureandGo's range of coverage options, including those tailored for older travellers, makes it a reputable choice for individuals seeking travel insurance.
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Frequently asked questions
Insure and Go is a reputable company that has been providing travel insurance since 2000. It is a wholly-owned subsidiary of Europ Assistance and is underwritten by Mitsui Sumitomo Insurance Company Limited. The company has received positive reviews from its customers for its comprehensive policies, affordability, and ease of use.
Insure and Go offers different tiers of travel insurance, including Bare Essentials, Silver, and Gold. They also offer domestic travel insurance with the same tiers. Additionally, they provide coverage for winter sports, adventure sports, golf, business equipment, and natural disasters.
Insure and Go's travel insurance policies offer a range of benefits, including medical expenses, personal liability, emergency expenses, baggage cover, trip cancellation, and travel delay expenses. They also provide 24/7 emergency assistance and comprehensive medical coverage, including unlimited overseas medical expenses.
You can lodge a claim with Insure and Go by submitting it via email or lodging a claim online. You can also download a claims form from their website and post it along with supporting documents such as receipts and police reports. Insure and Go aims to respond to claims within 10 business days.
Purchasing insurance from Insure and Go is a straightforward process. You can explore their website to navigate the different policy options and choose the one that suits your needs. The company often updates its promo codes on Facebook, so it is recommended to check for discounts before purchasing.
