InsureandGo Reviews: Trusted Travel Insurance Brand?

Every traveller knows the thrill of planning a trip the destinations, the adventures, the experiences waiting to unfold. But behind every great journey lies the need for safety and preparation. A cancelled flight, misplaced luggage, or medical emergency can turn excitement into stress in moments. That’s where travel insurance becomes more than a formality it becomes a lifeline.

Enter InsureandGo, a UK-based travel insurance company known for its simple policies, wide coverage, and “no age limit” inclusivity. Promising everything from single-trip protection to full-year coverage, InsureandGo positions itself as a dependable choice for travellers worldwide.

But does it truly live up to its reputation? In this detailed InsureandGo Reviews, we’ll break down InsureandGo’s plans, features, pros, cons, customer reviews, and overall reliability so you can decide if it’s the right protection for your next journey.

About InsureandGo

InsureandGo Insurance Services Limited was founded in 2000 in Essex, United Kingdom, with a simple mission: to make travel insurance accessible and affordable for everyone, regardless of age or health conditions. Over two decades later, the brand has grown into one of the UK’s most recognised travel insurance providers.

In 2024, InsureandGo became part of the NSM Insurance Group following its acquisition through the AllClear Group, expanding its global reach and financial strength. Today, the company operates in the UK, Ireland, and Australia, providing insurance to millions of travellers annually.

InsureandGo stands out for its customer-friendly approach:

• No upper age limits on most policies.
• Cover for pre-existing medical conditions.
• Over 100 sports and activities included.
• 24/7 worldwide emergency assistance.
• Defaqto 5-Star ratings on premium policies.

Over time, InsureandGo has built a strong reputation for simplicity, flexibility, and coverage diversity offering tailored plans that suit families, solo travellers, adventurers, and senior travellers alike.

🟢 Copy Hook:

“From city breaks to round-the-world adventures, InsureandGo promises to protect every journey without age or destination limits.”

Types of Travel Insurance Offered

InsureandGo offers a diverse range of travel insurance policies tailored to suit different types of travellers, trip durations, and budgets. Whether you’re planning a single holiday, a year of adventure, or family travel abroad, InsureandGo provides flexible plans that deliver peace of mind. Each policy type includes core coverage such as medical emergencies, trip cancellations, and lost baggage protection, with the option to customise based on travel needs.

1. Single Trip Insurance

Single Trip Insurance is ideal for one-off holidays, business trips, or weekend getaways. It provides comprehensive protection from the day you leave until you return home, covering trips up to 365 days in length.

Travellers are protected against medical emergencies, lost or delayed baggage, flight cancellations, and trip interruptions. Optional add-ons include coverage for winter sports, cruises, or adventure activities, allowing travellers to tailor the policy to their trip type.

This plan is best suited for individuals or families who travel occasionally but still want reliable coverage without committing to a full-year plan. It’s affordable, straightforward, and perfect for peace of mind on short-term trips.

2. Annual Multi-Trip Insurance

For those who travel frequently, Annual Multi-Trip Insurance offers exceptional value. Instead of buying a new policy for each trip, travellers get year-round protection covering unlimited trips within 12 months.

Each trip can last up to 31, 45, or 60 days, depending on the chosen policy. This is an excellent option for business professionals, digital nomads, and families who take several holidays per year.

The multi-trip plan includes the same core protections as the single-trip option medical cover, cancellation, baggage loss, and personal liability but adds convenience and cost savings. It also removes the hassle of purchasing multiple policies, making it one of InsureandGo’s most practical choices.

3. Backpacker Insurance

Backpacker Insurance caters to long-term travellers, gap-year students, and explorers on extended adventures. This plan covers travel for up to 18 months continuously, ensuring protection across multiple countries.

Coverage includes medical expenses, hospitalisation, personal belongings, and emergency repatriation. It’s particularly useful for those travelling through remote areas or multiple continents, as it offers extended coverage for medical evacuations and trip disruptions.

The backpacker plan also includes add-ons for adventure activities, such as trekking, scuba diving, or volunteering abroad. For students and digital nomads, this policy ensures they remain protected during long-term global travel.

4. Family Travel Insurance

Travelling with loved ones is easier under Family Travel Insurance, which groups all family members under one simple policy. In many cases, children are covered for free, making it one of the best-value family travel plans on the market.

The policy covers medical treatment, trip cancellations, lost luggage, and emergency assistance, ensuring everyone enjoys a worry-free trip. Family plans are available for both single and multi-trip options, with customisation for additional activities or destinations.

It simplifies documentation and payments, so families can focus on their holiday instead of paperwork.

5. Cruise Insurance

Cruise Insurance is a specialised plan designed for travellers embarking on ocean or river cruises. It offers coverage for missed ports, cabin confinement, onboard medical emergencies, itinerary changes, and evacuations at sea.

Unlike regular travel insurance, cruise insurance accounts for unique risks like lost port days, ship delays, or medical evacuations from vessels. Travellers are also covered if they need to cut their trip short due to illness or family emergencies.

This plan is essential for cruise enthusiasts, ensuring that every journey on water remains stress-free and protected from unforeseen events.

6. Winter Sports Insurance

For travellers heading to snow-covered destinations, Winter Sports Insurance is a must. It covers skiing, snowboarding, and cold-weather adventures, providing protection for piste closures, lost or damaged equipment, avalanche delays, and ski pass refunds.

Additionally, it includes emergency medical evacuation and rescue services in case of accidents on the slopes. This add-on is ideal for winter travellers seeking both excitement and security.

🟢 Copy Tip:

“From skiing in the Alps to sailing the Caribbean, InsureandGo has a tailored plan to suit your adventure.”

Key Features and Benefits

InsureandGo has built its reputation by combining affordability, flexibility, and comprehensive protection in one package. Designed to meet the needs of every kind of traveller from weekend explorers to world adventurers its features reflect a thoughtful balance between accessibility and reliability. Here are the standout benefits that make it one of the UK’s most trusted travel insurance providers.

1. No Upper Age Limit

One of InsureandGo’s most impressive advantages is its no age limit policy. Unlike many insurers that restrict coverage for travellers over 65 or 70, InsureandGo provides protection for all age groups, including senior citizens. This inclusivity makes it a top choice for retirees, grandparents, and older travellers who value security when travelling abroad. Every policy is designed to provide equal benefits regardless of age, ensuring that mature travellers can enjoy the same peace of mind as younger adventurers.

2. Coverage for Pre-Existing Medical Conditions

Health issues shouldn’t stop anyone from exploring the world, and InsureandGo makes this possible with its medical screening system. Travellers can easily declare their health conditions online and receive tailored coverage that includes treatment, medication, or hospitalisation abroad. Unlike basic policies from other insurers, InsureandGo goes the extra mile by accommodating a wide range of pre-existing medical conditions, helping travellers manage health concerns confidently while overseas.

3. Over 100 Sports and Activities Included

For the adventurous at heart, InsureandGo includes over 100 sports and activities in its standard policies at no extra cost. Whether you enjoy kayaking, snorkelling, hiking, or zip-lining, most recreational pursuits are covered automatically. For thrill-seekers engaging in high-risk or extreme sports, optional upgrades are available to ensure complete protection. This flexibility makes InsureandGo a favourite among active travellers and outdoor enthusiasts.

4. 24/7 Global Assistance

Emergencies can happen at any time, which is why InsureandGo provides 24/7 worldwide emergency medical assistance. Their international support team is trained to handle urgent medical cases, hospital admissions, and emergency evacuations. They can even arrange direct payments to overseas healthcare providers, saving travellers the stress of handling expenses upfront. The 24-hour helpline ensures that professional help is always just a phone call away no matter where you are in the world.

5. High Medical Coverage Limits

InsureandGo policies are known for their generous medical expense limits, particularly under their Gold and Black plans. While the entry-level policies provide millions in coverage, the top-tier plans offer unlimited medical expenses, giving travellers the highest level of security. This ensures that even in serious medical emergencies or long hospital stays abroad, travellers won’t face overwhelming out-of-pocket costs.

6. Add-ons for Customisation

InsureandGo allows travellers to customise their protection through a range of add-ons that enhance flexibility:

• Gadget insurance for devices like phones, tablets, and cameras.
• Business travel coverage for professionals on work trips.
• Natural disaster and terrorism protection for unpredictable events.

These add-ons give users full control over their coverage, ensuring each policy aligns perfectly with personal needs and travel plans.

In short, InsureandGo’s combination of broad coverage, flexibility, and 24-hour global support makes it a standout choice for travellers who value both protection and freedom.

🟢 Copy Line:

“InsureandGo isn’t just insurance it’s peace of mind, packaged for every traveller, every journey, and every age.”

Levels of Cover Explained

InsureandGo simplifies policy selection with four main tiers: Budget, Silver, Gold, and Black.

Policy Type	Medical Cover	Cancellation Cover	Baggage Cover	Highlights
Budget	£2 million	£1,000	£500	Great for short trips on a budget.
Silver	£5 million	£2,500	£1,000	Balanced cover for most travellers.
Gold	£10 million	£5,000	£2,500	Defaqto 5-star rating and strong value.
Black	Unlimited	£7,500	£3,000	Premium plan with full-scale protection.

Each tier allows for add-ons, ensuring travellers only pay for the protection they truly need.

🟢 Copy Hook:

“Whether you’re travelling light or going all-in, InsureandGo’s tiered coverage lets you choose protection that fits like a glove.”

InsureandGo is a leading UK-based travel insurance provider offering flexible and affordable coverage for travellers of all ages. With no upper age limit, it covers pre-existing medical conditions, lost baggage, cancellations, and emergencies abroad. Policies include over 100 adventure activities, ensuring protection for both leisure and adventure trips.

Supported by 24/7 global assistance and optional add-ons like gadget or business cover, InsureandGo provides dependable, customisable insurance for every traveller seeking peace of mind on their journey.

Book Now Official Website

Claims and Customer Service

When it comes to travel insurance, the true test of reliability lies in how efficiently claims are handled and InsureandGo understands this well. The company aims to make its claims process as simple, transparent, and stress-free as possible for travellers facing emergencies abroad or unexpected disruptions.

1. Simple Claim Process

Filing a claim with InsureandGo is straightforward. Travellers can submit their claims online through the dedicated claims portal, which allows users to upload documents, track progress, and communicate with the support team. All that’s required are supporting materials such as medical receipts, police reports, or airline confirmations depending on the type of claim.

Once submitted, claims are usually reviewed within 5–10 working days, with payments processed promptly after approval. While processing times can vary during busy travel seasons, most customers find the digital system efficient and easy to use.

2. Responsive Customer Support

InsureandGo provides 24/7 emergency medical assistance, ensuring travellers can reach help anytime, anywhere in the world. Whether it’s a hospital admission, lost passport, or delayed flight, the global assistance team is equipped to handle urgent situations.

For non-emergency inquiries, customer service is available through phone, email, and live chat, offering help with policy questions, coverage clarifications, and claim guidance.

3. Customer Feedback

Many travellers praise InsureandGo’s friendly and knowledgeable staff, especially during emergencies. However, a few reviews mention delays or additional document requests during claims, particularly during high-volume periods.

Despite occasional wait times, InsureandGo’s customer service reputation remains strong thanks to its professionalism, clear communication, and global support network.

In short, InsureandGo delivers a claims process that’s practical, transparent, and supported by real people ensuring that when the unexpected happens, help is always within reach.

🟢 Copy Line:

“When emergencies strike thousands of miles away, InsureandGo’s emergency assistance team is your lifeline day or night.”

Pricing and Value for Money

Pricing depends on age, destination, and trip duration, but InsureandGo remains one of the most cost-effective travel insurers in the UK.

Average Prices

• Single Trip (Europe): from £10–£15.
• Annual Multi-Trip: from £40–£60.
• Backpacker Plan: from £120–£200.
• Winter Sports Add-on: around £20.

These rates are competitive compared to larger insurers like AXA or Allianz.

Why It’s Great Value

• High coverage for affordable premiums.
• Free cover for children on family policies.
• Flexible add-ons instead of costly all-in packages.

🟢 Copy Hook:

“InsureandGo combines affordability with protection proving that great travel insurance doesn’t need a high price tag.”

Pros and Cons

Pros

✅ No age restrictions.
✅ Covers pre-existing conditions.
✅ 24/7 global emergency support.
✅ Flexible policy options.
✅ Defaqto 5-Star rated cover.
✅ Quick online purchasing and renewal.

Cons

❌ Claims can take time to process.
❌ Budget plans may feel limited for long trips.
❌ Optional extras can increase total cost.
❌ Some sports require paid upgrades.

🟢 Copy Line:

“InsureandGo excels in inclusivity and value, though its claims process may test your patience during peak travel seasons.”

Customer Reviews and Reputation

InsureandGo holds strong ratings across various independent platforms:

• Trustpilot: 4.6/5 (Excellent).
• Defaqto: 5-star rating for Gold and Black policies.
• Which? Recommended Provider: Praised for fair pricing and clear policy wording.

Positive Feedback

• “Great experience easy to buy, and they paid out fast when I needed them.”
• “Friendly customer service that actually listens.”
• “Affordable even with my medical condition.”

Negative Feedback

• “Claims took a little longer than expected.”
• “Some optional cover details could be clearer.”

🟢 Copy Hook:

“With thousands of satisfied customers and industry recognition, InsureandGo continues to prove its place among the UK’s most trusted travel insurers.”

Comparison with Competitors

Insurer	Strengths	Weaknesses	Best For
InsureandGo	No age limit, wide coverage	Occasional claim delays	Families & seniors
Staysure	Excellent medical coverage	Higher prices	Senior travellers
AXA Travel	Strong global network	High deductibles	Frequent flyers
Allianz Assistance	Reliable and global	Expensive annual plans	Business travellers

🟢 Copy Hook:

“When compared to major competitors, InsureandGo wins on inclusivity and affordability — making it a top pick for real-world travellers.”

Is InsureandGo Legit and Safe?

Absolutely. InsureandGo is a fully legitimate and regulated insurance provider.

• Regulated by the Financial Conduct Authority (FCA).
• Policies underwritten by MAPFRE Asistencia, a respected global insurer.
• Member of the Financial Services Compensation Scheme (FSCS), ensuring customer protection if the company ever ceased trading.

🟢 Copy Line:

“With over two decades of service and full UK regulation, InsureandGo is a name you can trust with confidence.”

Tips for Buying and Claiming Successfully

To get the most from your InsureandGo policy, follow these practical tips:

1. Always declare all pre-existing conditions honestly.
2. Read the exclusions before buying to avoid misunderstandings.
3. Keep receipts, reports, and correspondence they’re essential for smooth claims.
4. Save emergency contact numbers on your phone before travelling.
5. Upgrade your policy if planning high-risk activities or long trips.

🟢 Pro Tip:

“The smoother your documentation, the faster your claim honesty and preparation are your best travel partners.”

Final Verdict:

So, is InsureandGo truly a trusted travel insurance brand? The short answer: yea with a few caveats.

The company delivers on its promise of affordability, flexibility, and inclusivity. Its coverage options are among the most comprehensive in the UK market, and its no-age-limit approach makes it stand out for senior travellers.

While minor claim delays occur, the brand’s strong reputation, excellent ratings, and long-standing history make it a dependable choice for anyone seeking peace of mind before their journey.

🟢 Final Take:

“InsureandGo lives up to its name helping you insure your adventures and go further, safely and confidently.”

Must Read:

• MyTrip Reviews: Is It Safe to Book Flights?
• Avani Hotels & Resorts Reviews: Stylish Stays Worth It?
• Airpaz Reviews: Is It Safe to Book Flights?

FAQs: