Alyssa Lane
InsureandGo is a leading provider of travel insurance, offering comprehensive coverage to over 2 million customers since 2000. The company provides three levels of insurance plans – Bare Essentials, Silver, and Gold – with optional add-ons for golf, winter sports, and natural disaster protection, among others. InsureandGo has received mixed reviews, with some praising its affordable prices, ease of application, and comprehensive coverage, while others have criticised its customer service, claims process, and handling of refunds during the COVID-19 pandemic.
| Characteristics | Values |
|---|---|
| Company Name | Insure & Go Insurance Services Limited |
| Type | Travel Insurance Company |
| Founded | 2000 |
| Founder | NSM Insurance Group |
| Operations | United Kingdom, Republic of Ireland, Australia |
| No. of Customers | 27M+ |
| Policies | Black, Gold, Silver, Budget |
| Underwriters | Zurich Insurance Plc, Mitsui Sumitomo Insurance Company |
| Rating | 81% |
| Age Limit | None |
| Pre-existing Medical Conditions Covered | Yes |
| Optional Upgrades | Family Travel Insurance, Extreme Sports Travel Insurance, Gadget and Valuable |
| Customer Reviews | Positive (Ease of Transaction, Value for Money, Professional Staff), Negative (Long Wait Times, Lack of Clarity in Policy Coverage) |
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What You'll Learn
InsureandGo is a British travel insurance company
InsureandGo (officially Insure & Go Insurance Services Limited) is a British travel insurance company. It was founded in 2000 in Braintree, Essex, and has been providing travel insurance for over 20 years. The company offers a range of comprehensive travel insurance options, including single trip and annual multi-trip insurance, with no upper age limit.
InsureandGo specialises in covering customers with pre-existing medical conditions, ranging from diabetic conditions to mental health issues, cancer, and blood circulatory conditions. It works with a medical screening company, Verisk, to evaluate customers' medical risks. The company also offers a variety of upgrades to tailor holiday cover, including family travel insurance, extreme sports travel insurance, and gadget and valuable cover.
In addition to the United Kingdom, InsureandGo also has operations in the Republic of Ireland and Australia. It has been owned by NSM Insurance Group since 2024, after previously being acquired by Spain's Mapfre in 2010 and then purchased by AllClear Travel Insurance in 2021. InsureandGo has received positive reviews for its competitive pricing, ease of application, and efficient claims handling.
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It covers pre-existing medical conditions
InsureandGo is a British travel insurance company that has been in operation since 2000. It offers a range of comprehensive travel insurance packages, including single trip and annual multi-trip insurance, with no upper age limit. One of the key features of InsureandGo's policies is their coverage of pre-existing medical conditions.
InsureandGo defines a pre-existing medical condition as any condition for which the insured person has received prescribed medication, medical treatment, or advice from a healthcare professional within the last two years (or five years, according to another source). This includes conditions such as asthma, cancer, diabetes, epilepsy, and heart conditions. The company provides a simple and quick process for declaring pre-existing conditions through its online medical screening system or via a short questionnaire over the phone. This typically takes around 5-10 minutes to complete.
It is important to note that InsureandGo will not provide cover for any claims directly or indirectly linked to declared and excluded pre-existing medical conditions where they cannot offer cover. However, the rest of the travel insurance cover will remain unaffected by this exclusion. InsureandGo also offers a range of optional upgrades, such as family travel insurance, extreme sports cover, and gadget and valuable cover, allowing customers to tailor their policies according to their specific needs.
InsureandGo has built a reputation for providing trusted travel insurance for over 20 years, serving more than 27 million travellers worldwide. The company has received positive reviews for its reasonable prices, simple and clear processes, and efficient emergency assistance. With its comprehensive coverage, including pre-existing medical conditions, InsureandGo offers customers peace of mind when travelling, ensuring they are protected in case of unexpected events or medical emergencies.
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It offers single and annual trip insurance
InsureandGo (officially Insure & Go Insurance Services Limited) is a British travel insurance company that offers single and annual trip insurance. The company was founded in 2000 in Braintree, Essex, and has since expanded its operations to the Republic of Ireland and Australia. InsureandGo caters to a wide range of customers, including those with pre-existing medical conditions, and offers various policy options such as family travel insurance, extreme sports travel insurance, and gadget and valuable coverage.
InsureandGo's single trip insurance provides coverage for customers who are travelling only once during the year. This type of insurance is ideal for those who do not anticipate taking multiple trips within a 12-month period. By contrast, InsureandGo's annual trip insurance, also known as multi-trip insurance, covers customers for multiple trips within a 12-month period. This option is perfect for frequent travellers who plan to take several trips throughout the year.
The company prides itself on making travel insurance accessible to as many people as possible. Notably, InsureandGo does not impose an upper age limit on its single or annual trip insurance policies. This means that travellers of all ages can obtain coverage, regardless of their age. Additionally, InsureandGo specialises in covering customers with pre-existing medical conditions. The company works with a medical screening company called Verisk to evaluate each customer's medical risk and ensure they receive the necessary coverage.
InsureandGo offers four main types of policies: Black, Gold, Silver, and Budget. The Black and Gold policies are particularly noteworthy, as they have been rated 5-star by Defaqto, an independent expert organisation. These policies offer some of the most comprehensive travel insurance cover available, ensuring peace of mind for travellers.
InsureandGo has received recognition for its competitive pricing, user-friendly application process, and comprehensive coverage. The company has been providing travel insurance for over 20 years and has established itself as a trusted choice for millions of travellers worldwide.
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InsureandGo has been in operation since 2000
InsureandGo (officially Insure & Go Insurance Services Limited) is a travel insurance company that has been in operation since 2000. It was founded in Braintree, Essex, in the United Kingdom, and has been providing travel insurance for over two decades. The company offers a range of comprehensive travel insurance options, including single trip and annual multi-trip insurance, with no upper age limit and coverage for pre-existing medical conditions.
InsureandGo has established itself as a trusted brand, with over 27 million travellers choosing its services. The company has a simple screening process for insuring pre-existing medical conditions, and it works with a medical screening company called Verisk to evaluate medical risk. Its policies are underwritten by reputable companies such as Zurich Insurance Plc and Mitsui Sumitomo Insurance Company, providing confidence and assurance to its customers.
The company has expanded its operations beyond the United Kingdom to the Republic of Ireland and Australia. In 2005, InsureandGo claimed to be one of the first companies to remove the terrorism exclusion clause from its policies, demonstrating its commitment to comprehensive coverage. Its range of insurance options includes specialised coverage for extreme sports, family travel, valuable items, and golf equipment.
Over the years, InsureandGo has been acquired by different companies, including Spain's Mapfre in 2010 and AllClear Travel Insurance in 2021. In 2024, the NSM Insurance Group completed the purchase of AllClear and InsureandGo, further solidifying its presence in the travel insurance market.
InsureandGo has received recognition and positive reviews for its competitive pricing, ease of application, and comprehensive coverage. It has been rated highly by customers for its efficient claim handling and responsive customer service. The company's Black and Gold policies have been rated 5-Star by Defaqto, an independent expert, offering some of the most comprehensive travel insurance available.
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It has operations in the UK, Ireland, and Australia
InsureandGo (officially Insure & Go Insurance Services Limited) is a British travel insurance company that has been in operation since 2000. It offers a range of travel insurance packages, including single trip, annual multi-trip, family, extreme sports, and gadget and valuable insurance. The company has no upper age limit and covers all medical conditions, including pre-existing conditions.
In addition to the United Kingdom, InsureandGo has expanded its operations to the Republic of Ireland and Australia. The company's Irish and Australian arms offer similar travel insurance services, with some variations in the specifics of their policies. InsureandGo Australia, for example, offers cruise insurance, but it only covers cruises departing from Australia. The company has received positive reviews from Australian customers, who have praised its competitive pricing, ease of application, and comprehensive coverage.
InsureandGo has a strong presence in the UK, Ireland, and Australia, providing travel insurance to residents of these countries. The company's policies are underwritten by reputable insurance providers, such as Zurich Insurance Plc and Mitsui Sumitomo Insurance Company, and it has built a reputation for being a trusted and reliable travel insurance provider in these markets.
The company's expansion into these countries has allowed it to reach a diverse range of customers and cater to their unique travel insurance needs. InsureandGo's focus on providing comprehensive coverage, including for pre-existing medical conditions, has likely contributed to its success and popularity in these markets. By establishing operations in these countries, InsureandGo has been able to tailor its products and services to meet the specific requirements and regulations of each market, ensuring that it remains competitive and responsive to customer needs.
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