InsureandGo travel insurance overview
In September 2021 InsureandGo was acquired by the AllClear Group. At the time of writing, the InsureandGo policies rated in this review aren't on sale to new customers - who are referred to AllClear's website.
You can see our review of AllClear's policies here.
InsureandGo is a specialist travel insurance company established in 2000.
All InsureandGo policies are provided and underwritten by Mapfre Asistencia.
- Find out more: the best and worst travel insurance
How good is InsureandGo travel insurance?
| Policy name | Policy type | Max trip length | Max age | Policy score | Covid rating
(What's this?) How well a policy covers you for typical coronavirus-related disruption. Ratings run from basic (worst) to low, superior and complete (best). |
|---|---|---|---|---|---|
| InsureandGo Budget | Annual and single trip | 31 days (annual) / 365 days (single) | No age limit |
| Superior |
| InsureandGo Silver | Annual and single trip | 31 or 45 days depending on age (annual) / 31 or 365 days depending on age (single) | No age limit |
| Superior |
| InsureandGo Gold | Annual and single trip | 31 or 90 days depending on age (annual) / 31 or 365 days depending on age (single) | No age limit |
| Superior |
| InsureandGo Black | Annual and single trip | 31 or 90 days depending on age (annual) / 31 or 365 days depending on age (single) | No age limit |
| Superior |
How we analyse travel insurance
We analyse and rate 52 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travelers when choosing and using a travel insurance policy, and weight it accordingly when calculating our total policy score.
Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall policy score.
Should you buy InsureandGo travel insuance?
We've rated hundreds of policy details to come up with a combined expert policy score.
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
In detail: every part of InsureandGo's travel insurance rated
Budget | Silver | Gold | Black | ||||||
| Weighting | Policy element | Details | Rating | Details | Rating | Details | Rating | Details | Rating |
| Most important | Medical expenses - limit per claim |
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| Most important | Medical repatriation - limit per claim |
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| Most important | Private healthcare covered in an emergency (if no alternative)? |
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| Secondary | Pre-existing medical conditions covered? |
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| Secondary | Dental treatment - limit per claim |
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| Other | Hospitalisation cover - limit per claim |
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| Other | GHIC excess waiver |
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Table last updated in June 2021. Next update in June 2022.
To see how InsureandGo travel insurance compares with other policies, check out our guide to the best and worst travel insurance.
Is InsureandGo's travel insurance coronavirus proof?
We contacted 86 travel insurers and quizzed them on whether their policies cover coronavirus-related incidents.
Specifically, we wanted to know if four scenarios would be covered: needing treatment for coronavirus abroad, having to cancel because of a positive test, having to cancel because of self-isolation or having to cancel because of government advice.
We've rated insurers' coronavirus cover, and explained what the policies offer, including any relevant exclusions.
Members can log in to read our full policy analysis. If you're not already a member, join Which? and get full access to these results and all our reviews.
InsureandGo travel insurance: how can I claim?
For medical emergencies abroad call +44 (0)207 748 0060.
At present, InsureandGo only appear to be accepting claims online.
However, you can call about your policy on +44 (0)207 748 0062.
You can also ask queries about existing claims on +44 (0)207 748 0061.
Before submitting cancellation claims, you should contact your travel agent and/or airline to seek a refund or to move your trip.
You'll need your policy document when you get in touch.
- Find out more: how to claim on your travel insurance
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