InsureandGo

InsureandGo, travel insurance for all ages and medical conditions

InsureandGo is a British company specialising in travel insurance that has been operating for more than two decades. Its offering is aimed at travellers of any age, with no upper age limit, and includes cover for all types of pre-existing medical conditions. The company states that it has more than 27 million insured travellers and notes that 99% of its customers would recommend its services.

Cover levels

The offering is structured into four levels —Budget, Silver, Gold and Black— which differ in the amounts insured and the policy conditions. The Black level includes unlimited medical and repatriation expenses, cancellation and curtailment up to £10,000, £0 excess and baggage up to £3,000. The Gold level covers medical expenses up to £15 million, cancellation up to £7,500, a £50 excess and baggage up to £2,500. The Silver level offers £10 million in medical expenses, £5,000 in cancellation, a £60 excess and £2,000 in baggage. The Budget level, the most basic, covers £5 million in medical expenses, £1,000 in cancellation, a £100 excess and £1,000 in baggage, and does not include cover for pre-existing medical conditions.

The Gold and Black levels have received the Which? Best Buy seal and a five-star rating from Defaqto.

Policy types by trip

The company offers single trip policies, which cover anything from a weekend break to a month-long trip, and annual multi-trip policies, which protect all trips taken over twelve months with cover for Europe or worldwide. It also offers specialist insurance for cruises, trips with activities and extreme sports, winter sports, skiing, golf and scuba diving.

Medical cover and pre-existing conditions

A central pillar of its offering is cover for pre-existing medical conditions. The company offers specific policies for asthma, cancer, diabetes, epilepsy and heart conditions, among others. It also has products for older travellers —from age 50, 60, 70, 75 and 80—, for families, couples and groups. Cover includes a 24-hour emergency medical assistance line.

Destinations covered

The policy catalogue covers destinations such as Europe, the UK, Ireland, France, Spain, Turkey, Australia, Canada, Thailand, the USA and India, as well as a worldwide option. It also offers coronavirus-related cover.

Customer service and services for policyholders

The company provides support through a UK-based team. Existing customers can manage policy changes, renewals and enquiries by phone, live chat or the online help centre. For medical emergencies abroad, it has a telephone assistance team available 24 hours a day. The company states that 99% of accepted claims are paid within five working days and that 97% of its customers rate it as 'excellent' or 'very good' on Trustpilot in 2025.