Jane Dotson
InsureandGo is a travel insurance company founded in 2000. It offers a range of policies, including Single and Annual Trip, Backpackers, Cruise, Over 65's, Winter Sports, and Pre-Existing Medical Conditions. InsureandGo is known for its simple screening process and comprehensive coverage, including over 100 sports and activities and a large legal expense. The company has received many positive reviews, with an Excellent rating of 4.8/5 on Trustpilot, and praise for its efficient and quick claim response. However, there are also negative reviews, with some customers expressing dissatisfaction with the claims process and feeling that the company did not provide adequate support. With over 27 million customers, InsureandGo is a popular choice for travellers, but it is important to carefully consider the terms and conditions of any insurance policy before purchasing.
| Characteristics | Values |
|---|---|
| Trustpilot Rating | 4.8/5 |
| Number of Reviews | 100,395 |
| Number of Stars | 5 |
| Listed Medical Specialist Insurer | Yes |
| Covers Pre-existing Medical Conditions | Yes |
| Number of Policies | 4 (Black, Gold, Silver, Budget) |
| Percentage of Claims Paid (European Annual Policies, 2023) | 85-90% |
| Percentage of Claims Accepted (Annual Worldwide and Single Trip Policies) | 80-85% |
| Age Limit on Policies | No |
| Number of Customers | 27 million+ |
| Covers Over 100 Sports and Activities | Yes |
| Provides Cover for Business Travel | Yes |
| Provides Cover for Current Health Issues | Yes |
| Provides Cover for Cancellation by Airline | No |
| Provides Cover for Countries or Areas the FCO has Advised Against Travelling To | No |
| Time Limit for Dealing with Claims | No |
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What You'll Learn
InsureandGo has a rating of 4.8/5 on Trustpilot
InsureandGo is a travel insurance company that was founded in 2000. It is a medical specialist insurer, meaning it is a good option for those who have pre-existing medical conditions and are having difficulties obtaining cover for a reasonable price. InsureandGo considers covering any pre-existing medical conditions through their simple screening process, which is conducted in collaboration with the medical screening company Verisk. It is important to note that InsureandGo's Budget policy does not cover pre-existing medical conditions, so customers seeking coverage for their conditions should choose a different policy.
The company offers a range of travel insurance policies, including Single and Annual Trip, Backpackers, Cruise, Over 65's, Winter Sports, and Pre-Existing Medical Conditions. Their Black, Gold, and Go Elite levels of cover are rated 5 stars by Defaqto, and they cover up to 50 sports and activities as standard. Children are insured for free on annual policies, and customers have access to a 24/7 emergency medical helpline.
InsureandGo's Gold travel insurance has twice been endorsed as a Which? Best Buy. Their policies have no upper age limit, and they have covered over 27 million travellers. The company provides a 24/7 emergency medical helpline and covers medical expenses, cancellations, travel delays, and more.
While the majority of reviews for InsureandGo UK are positive, there are a few negative reviews on Trustpilot. One customer shared their experience of a delayed flight and subsequent issues with their claim, which was initially turned down. However, InsureandGo responded to this review, apologising for the customer's experience and stating that a member of their team was investigating the matter.
InsureandGo Australia also has an "Excellent" rating of 4.6/5 on Trustpilot, with customers praising the company's easy and quick online process, excellent phone service, and low-cost insurance options.
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The company has been covering travellers for over 20 years
InsureandGo is a travel insurance company that was founded in 2000 and has been covering travellers for over 20 years. The company boasts more than 27 million customers throughout its history and has a focus on making insurance accessible to as many people as possible. InsureandGo has no age limits on its policies and considers all pre-existing medical conditions. This sets the company apart from its competitors, as it is listed as a specialist in covering customers with pre-existing medical conditions.
The company offers an expansive standard cover, including cover for over 100 sports and activities, as well as a large legal expense. It has four main policies: Black, Gold, Silver, and Budget. The Gold policy, for example, includes cover for cancelled flights, medical emergencies, and cruise trips. The company also offers a range of other policies, including Single and Annual Trip, Backpackers, Over 65's, Winter Sports, and Pre-Existing Medical Conditions.
InsureandGo has received generally positive reviews from its customers, with an overall rating of 4.8 out of 5 on Trustpilot. Many customers have praised the company's service, with some mentioning the helpfulness and professionalism of its employees. The company's simple screening process and efficient claims handling have also been highlighted as strengths.
However, there have been some negative reviews, with some customers expressing frustration with the claims process and feeling that the company did not provide adequate support. There are also complaints about the company's refusal to cover certain expenses, such as airline cancellations, despite what customers believed was included in their policies.
Overall, InsureandGo has been a trusted provider of travel insurance for over two decades, offering comprehensive and accessible policies to a wide range of customers. While the company has received some negative feedback, its high customer ratings and long history in the industry suggest that it is a legitimate and reliable option for travellers seeking peace of mind on their journeys.
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InsureandGo is a listed medical specialist insurer
InsureandGo (officially Insure & Go Insurance Services Limited) is a British travel insurance company that has been in operation since 2000. It is a listed medical specialist insurer, specialising in covering customers with pre-existing medical conditions. InsureandGo works with a medical screening company, Verisk, to evaluate customers' medical risks.
The company offers four policies: Black, Gold, Silver, and Budget. The Budget policy does not cover pre-existing medical conditions, so customers requiring cover for their conditions should opt for one of the other policies. InsureandGo's Black and Gold policies are rated 5-star by Defaqto, indicating that they offer some of the most comprehensive travel insurance cover available.
InsureandGo's Gold policy includes unlimited emergency medical expenses. The company also offers a range of upgrades, including family travel insurance, extreme sports travel insurance, and gadget and valuable insurance.
InsureandGo has received positive reviews from customers on Trustpilot, with an overall rating of 4.8/5 stars. Customers have praised the company's helpful service and professional staff. However, there are also reviews from customers who have had their claims rejected, despite providing proof of the reasons for their claims.
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It offers a simple screening process for pre-existing medical conditions
InsureandGo is a travel insurance company that was founded in 2000 and is listed as a specialist in covering customers with pre-existing medical conditions. It works with a medical screening company called Verisk to evaluate customers' medical risks. InsureandGo considers all pre-existing medical conditions in all of its travel insurance products, except for its Domestic Travel Insurance.
The process of declaring pre-existing medical conditions is simple and straightforward. It involves filling out a medical questionnaire, which can be done online or over the phone. Customers are asked simple questions about their condition, such as treatments received, age when the condition began, medications taken, and recent episodes of the condition. Answering these questions carefully and honestly helps determine if their condition can be covered.
It is important to note that pre-existing conditions are not automatically covered unless they are declared and accepted by InsureandGo. Customers need to disclose all conditions for which they have sought advice, treatments, or medications in the last five years.
The cost to cover pre-existing medical conditions can vary depending on factors such as the duration of the condition and how it is managed. InsureandGo aims to provide cover for medical conditions wherever possible, and its consultants are available to help customers with the screening process if needed.
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However, there are mixed reviews of the company's claims process
InsureandGo is a travel insurance company that was founded in 2000. The company has a rating of 4.8/5 on Trustpilot, with over 100,000 reviews. While many customers have praised InsureandGo for its easy booking process and comprehensive policies, there are mixed reviews regarding the company's claims process.
Some customers have expressed dissatisfaction with their experience of claiming on their InsureandGo policy. One customer reported that their claim was turned down, despite providing proof of the reason for their delay. Another customer described the claims process as "appalling", claiming that it took 14 weeks to receive payment after numerous phone calls. Additionally, some customers have reported issues with InsureandGo's policy regarding pre-existing medical conditions. One reviewer stated that their claim was denied due to a pre-existing condition that was not declared at the time of purchasing the policy, while another mentioned that the Budget policy does not cover pre-existing conditions at all.
On the other hand, some customers have had positive experiences with the claims process. One reviewer mentioned that their claim was dealt with efficiently and quickly, with a response received within 1-2 days. Another customer praised the company for its simple screening process for pre-existing medical conditions. It is worth noting that the latest published data from the Financial Conduct Authority (current to 2023) shows that InsureandGo paid 85-90% of claims made on European annual policies, which was above the average of 82.20%. The company also accepted 80-85% of claims made on annual worldwide and single trip policies.
While InsureandGo does not provide a time limit for dealing with claims, it is important for customers to carefully read the terms and conditions to ensure they are fully aware of what is covered and what may result in a denied claim. Overall, while there are mixed reviews of the claims process, InsureandGo has a generally positive rating on Trustpilot, indicating that many customers have had satisfactory experiences with the company.
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Frequently asked questions
Insure and Go is a legitimate travel insurance company that was founded in 2000. It has been covering travellers for over 20 years and has served more than 27 million customers. It is rated "Excellent" on Trustpilot with a rating of 4.8/5 from over 100,000 reviews.
Insure and Go is a listed medical specialist insurer, meaning it may be a good option for those who have pre-existing medical conditions and are facing difficulties obtaining cover for a reasonable price. Insure and Go has no age limits on its policies and considers all pre-existing medical conditions.
While some customers have praised Insure and Go's claims process for being efficient and quick, others have criticised it for being difficult to deal with. Some reviews mention that the company will try to reduce or refuse claims, and that the initial response time can be as long as 9 weeks.
