Covered2Go

Covered2Go: travel insurance with Silver, Gold and Platinum cover

Covered2Go is a British company specialising in travel insurance that offers three levels of cover —Silver, Gold and Platinum— for different traveller profiles. Its catalogue ranges from single trip policies to annual multi-trip cover, including specific extensions for cruises, winter sports, golf, business travel, groups, couples and trips within the UK, Europe or the rest of the world.

Cover levels and main benefits

The company structures its offering into three levels: Silver, Gold and Platinum. According to information on its website, all three have achieved Which? Best Buy status for 2026. Key benefits include up to £10 million emergency medical cover, up to £10,000 cancellation cover and emergency medical assistance available 24 hours a day, 7 days a week.

Single trip insurance covers stays of up to 365 days and accepts policyholders up to age 99. The annual multi-trip policy allows an unlimited number of trips during 12 months, with a standard duration of up to 31 days per trip and optional extensions of 45 and 60 days; in this case cover is available up to age 85.

Optional extensions: cruises and winter sports

Cruise cover is offered as an optional extension for an additional premium and protects against events specific to this type of trip, such as missed port departure, cabin confinement or cruise interruption. Winter sports cover, also optional and subject to conditions, includes benefits for ski equipment, ski passes and piste or avalanche closure, with applicable activity limits.

Medical screening for pre-existing conditions

Covered2Go offers policies for travellers with pre-existing medical conditions. Some are covered automatically if the general conditions requirements are met, while others require separate medical screening managed through Millstream. This process can be completed online or by phone, before or after purchasing the base policy, and does not require a Covered2Go policy number to start. If cover is offered, an additional medical premium or special terms may apply. Both the base policy and the medical cover resulting from screening must be in place before travel.

What a travel insurance policy covers

According to information published by the company, policies may include, depending on the level purchased, cancellation or curtailment of the trip for insured reasons, emergency medical expenses abroad —including hospital costs and repatriation to the UK when medically necessary—, loss, theft or accidental damage of baggage and personal belongings, compensation for delays on the outbound or return journey, 24/7 emergency medical assistance and personal liability for damage to third parties or their property. The company reminds that all cover is subject to limits, excesses, terms, conditions and exclusions, and that benefits vary between the Silver, Gold and Platinum levels.

Traveller profiles and destinations

Covered2Go's catalogue is also organised by type of traveller and destination. It includes policies for over 65s, families —with children under 23 included at no extra cost if conditions are met—, solo travellers, couples and groups. By destination, it offers cover for trips within the UK, Europe and the rest of the world, as well as information on the European Health Insurance Card (EHIC/GHIC) and its relationship with travel insurance. The company also offers policies for non-UK residents.

Customer service and policy management

The company handles telephone enquiries on 0333 400 7745 and by email at enquiries@covered2go.co.uk. Its opening hours are Monday to Friday, 9:00 to 17:30. The website allows you to get quotes, retrieve previous quotes, renew policies, view policy wordings, start claims and access FAQs and an informative blog.