InsureandGo travel insurance review

InsureandGo travel insurance overview

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

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

Medical expenses coverCancellation and delay coverPersonal belongings coverPersonal accident and liability coverExcesses and admin

		Budget		Silver		Gold		Black
Weighting	Policy element	Details	Rating	Details	Rating	Details	Rating	Details	Rating
Most important	Medical expenses - limit per claim
Most important	Medical repatriation - limit per claim
Most important	Private healthcare covered in an emergency (if no alternative)?
Secondary	Pre-existing medical conditions covered?
Secondary	Dental treatment - limit per claim
Other	Hospitalisation cover - limit per claim
Other	GHIC excess waiver

		Budget		Silver		Gold		Black
Weighting	Policy element	Details	Rating	Details	Rating	Details	Rating	Details	Rating
Most important	Cancellation and curtailment - limit per claim
Most important	Costs for cancellation due to change in FCDO advice (non-Covid-19 related)
Secondary	Cancellation due to death of person staying with
Most important	Abandonment - limit per claim
Most important	Bankruptcy of the holiday supplier
Most important	Bankruptcy of an airline
Secondary	Industrial strike
Secondary	Volcanic ash
Secondary	Terrorism
Secondary	Civil unrest
Secondary	Missed departure - limit per claim
Secondary	Missed departure - flights covered
Secondary	Travel delay - first 12 hrs
Secondary	Travel delay - each additional 12-hr period
Secondary	Travel delay (total) - limit per claim

		Budget		Silver		Gold		Black
Weighting	Policy element	Details	Rating	Details	Rating	Details	Rating	Details	Rating
Most important	Baggage & personal belongings - limit per claim
Most important	Valuables - unspecified single item limit
Most important	Cash - limit per claim
Secondary	Traveller's cheques - limit per claim
Secondary	Passport replacement costs - limit per claim
Secondary	Delayed baggage - limit per claim

		Budget		Silver		Gold		Black
Weighting	Policy element	Details	Rating	Details	Rating	Details	Rating	Details	Rating
Secondary	Personal liability - limit per claim
Other	Personal accident (death) - limit per claim
Other	Personal accident (disability) - limit per claim
Other	Legal expenses - limit per claim
Other	Legal expenses - covered for taking action against holiday providers?

		Budget		Silver		Gold		Black
Weighting	Policy element	Details	Rating	Details	Rating	Details	Rating	Details	Rating
Most important	Medical expenses excess
Most important	Cancellation excess
Most important	Personal belongings/valuables excess
Most important	Money excess
Most important	Documents excess
Other	Legal expenses excess
Other	Personal accident excess
Secondary	Cancellation refund after cooling-off period
Most important	Medical emergency helpline
Secondary	Emergency helpline

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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