InsureandGo Ireland

InsureandGo Ireland: travel insurance for Irish travellers

InsureandGo Ireland is a company specialising in travel insurance that sells its policies online. Its offering is aimed at those travelling from Ireland, both for leisure and business, and ranges from one-off trips to extended stays of up to twelve months. The company presents itself as an option for obtaining cover quickly and easily, with the possibility of buying online in just a few minutes.

Available insurance products

InsureandGo Ireland's catalogue includes several types of policy:

• Single Trip travel insurance: cover for a single departure, with Bronze, Gold and Platinum levels.
• Annual Multi Trip travel insurance: designed for those who take more than one trip a year.
• Holiday Insurance: general cover for holiday travel.
• Insurance for people with medical conditions: policies adapted to travellers with pre-existing health problems.
• Long Stay travel insurance: for stays of up to 12 months.
• Family Travel Insurance: cover for the main insured, their spouse or civil partner and dependent children up to age 17.
• Winter Sports & Ski insurance: specific cover for snow activities.

The company also offers the possibility of customising the policy according to the traveller's needs and covers more than 50 sports and activities at no extra cost.

Key cover

InsureandGo Ireland's policies include a series of covers that the company details on its website:

• Medical expenses: up to €10 million if the Platinum option is chosen.
• Cancellation: all policies cover trip cancellation.
• Emergency medical assistance: 24-hour helpline for emergencies abroad.
• Flight delay: real-time tracking of booked flights, with instant notifications in the event of a delay. If the delay exceeds 3 hours, the insured can access an airport lounge or receive a cash payment, depending on the policy selected.
• Lost luggage: cover for lost baggage.
• 24/7 online doctor: free access to the TravelGP service, an online doctor available 24 hours a day for consultations while abroad. This service is included in all policies at no extra cost.

The company also states that it does not apply hidden transaction or admin fees.

Winter sports cover

The winter sports policy covers, up to the amount specified according to the option purchased, the loss, theft or damage of winter sports equipment, the hire of such equipment in the event of loss, theft or damage, the cost of the ski pass if the insured becomes ill or injured, additional travel and accommodation expenses if the outward or final return journey is delayed by an avalanche, and the closure of the piste for more than 12 hours.

Private health insurance discount

InsureandGo Ireland offers a reduction in the travel insurance premium if the main insured and each additional traveller on the policy have private health insurance covering hospitalisation abroad with a minimum of €55,000 per person per claim. This cover must remain in place for the full duration of the policy with InsureandGo. In the event of a claim for inpatient medical treatment abroad, the insured must claim first on their private health insurance; the benefits of the travel policy begin once the limit of the private cover is reached.

Destinations covered

The company organises cover by geographical area. Area 2 comprises Europe (excluding Algeria, Israel, Jordan, Libya, Lebanon and Syria), the European continent, the Azores and any country or island with a Mediterranean coast. The list includes Albania, Andorra, Austria, Balearic Islands, Belgium, Bosnia, Bulgaria, Canary Islands, Corsica, Crete, Croatia, Cyprus, Czech Republic and Slovakia, Denmark, Egypt, Finland, France, Greece, Germany, Hungary, Ibiza, Iceland, Italy, Lapland, Liechtenstein, Luxembourg, Madeira, Majorca, Malta, Menorca, Monaco, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Sardinia, Sicily, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey and Yugoslavia. Also included are parts of the former USSR: Estonia, Belarus, Latvia, Lithuania, Moldova, Russia (Moscow) and Ukraine (Kiev).

Area 3 corresponds to worldwide cover excluding the United States and Canada. Area 4 is worldwide cover including the United States and Canada. Area 1 covers the United Kingdom and the Channel Islands.

Types of insured and conditions

Policies can be taken out for individuals (main insured and persons who are not spouses or civil partners), couples (main insured and their spouse or civil partner) or families (main insured, spouse or civil partner and their dependent children up to age 17). The main traveller must be at least 18 years old and no older than 86.

Prices and purchasing

The website shows a reference rate of €6.72 for a 3-day Bronze single trip policy in Europe, for a person under 65 and with no medical screening. Purchasing is done online and the company states that a quote can be obtained in 60 seconds. Cover is effective from the same day of purchase.

Assistance services and contact

InsureandGo Ireland offers a 24-hour medical emergency line for urgent cases abroad. To access the TravelGP service while away, the company provides the number +353 91 414 593. For emergencies abroad, the contact phone number is +353 91 545908. For non-urgent claims, the number is +353 91 545907. Other enquiries are channelled through the contact page on the website.

Legal entity and regulation

The entity operating under the brands MAWDY and Insure and Go Ireland is MAPFRE ASISTENCIA Compania Internacional De Seguros Y Reaseguros, S.A., authorised by the Dirección General de Seguros y Fondos de Pensiones of the Ministry of Economy and Finance of Spain and regulated by the Central Bank of Ireland for consumer protection rules.