Travelling opens the door to new cultures, memorable experiences and much-needed relaxation. Whether it is a short European city break, a family holiday or a longer journey around the world, careful preparation can make the experience much more enjoyable. One important part of that preparation is having suitable travel insurance. InsureandGo provides a range of travel-insurance options designed to protect customers against many of the unexpected situations that can occur before or during a trip.
With more than 25 years of experience and over 27 million travellers covered, InsureandGo has become an established name in travel insurance. Its current policies include important benefits such as emergency medical protection, cancellation cover, baggage protection and 24/7 emergency medical assistance.
Protection for the Unexpected
Even the best-planned holiday can be disrupted. A traveller could become ill before departure, require emergency treatment overseas, experience a lengthy travel delay or discover that their baggage has been lost.
Travel insurance provides financial protection for specified unexpected events covered under the policy. InsureandGo‘s current policies include emergency medical and repatriation protection, cancellation benefits, travel-delay cover and protection for personal belongings.
Having this protection in place means travellers can concentrate more on enjoying their destination while knowing that support is available if an eligible problem occurs.
Emergency Medical and Repatriation Cover
Medical expenses are among the biggest reasons to consider travel insurance. Healthcare can be extremely expensive in some destinations, particularly when hospital treatment or specialist transportation is required.
InsureandGo currently offers four principal levels of cover: Budget, Silver, Gold and Black. Its Black policy provides unlimited medical and repatriation expenses, while Gold currently offers up to £15 million, Silver up to £10 million and Budget up to £5 million.
Repatriation protection is particularly important when a medical emergency requires someone to be transported back to the UK. The costs associated with medically necessary transport can be considerable, making appropriate insurance valuable for international travellers.
Help Available 24 Hours a Day
An emergency can occur at any hour, especially when travelling through different time zones.
InsureandGo provides a 24/7 emergency medical helpline as part of its travel-insurance offering. This means customers have access to assistance day or night when they encounter an eligible medical emergency abroad.
Having a reliable point of contact can be particularly reassuring in an unfamiliar destination where a traveller may not know how to navigate the local healthcare system.
Cancellation Protection
The financial impact of cancelling a holiday can be substantial, particularly when flights, accommodation and activities have been booked months in advance.
InsureandGo‘s policies include cancellation protection, with the maximum benefit depending on the chosen level of cover. Current limits range from £1,000 under Budget to £10,000 under Black, while Silver and Gold provide higher limits than the entry-level policy.
Cancellation insurance only applies to circumstances covered by the relevant policy. Simply deciding that you no longer want to travel, for example, is not generally an insured reason for cancelling.
Customers should therefore read the policy wording carefully so they understand both the benefits and exclusions.
Cover for Baggage and Personal Belongings
Lost or damaged luggage can quickly turn the beginning of a holiday into a frustrating experience.
InsureandGo‘s travel policies provide protection for personal belongings and baggage, with limits depending on the selected policy. Its current general travel-insurance information advertises personal-belongings protection of up to £5,000 across its offering.
Individual item limits, excesses and exclusions may apply, so travellers carrying valuable belongings should always check the policy wording before departure.
Options for Single and Multiple Trips
Different travelling habits require different kinds of insurance.
For someone planning one particular holiday, single-trip travel insurance provides protection tailored to that journey. InsureandGo says its single-trip policies can cover everything from a short UK break to a longer international adventure, with no upper age limit.
Frequent travellers can instead consider annual multi-trip insurance. An annual policy lasts for 365 days and can cover unlimited trips within the selected geographical region, although maximum durations apply to each individual journey.
InsureandGo also offers long-stay insurance for people taking extended journeys, with eligible trips lasting as long as a year.
Travel Insurance With No Upper Age Limit
Travel should not automatically become inaccessible simply because someone reaches a particular age.
InsureandGo states that its travel insurance has no upper age limit. The company also considers pre-existing medical conditions regardless of age.
This approach can be particularly attractive to older travellers who may find that some insurers impose age restrictions on particular policies.
The appropriate premium and cover will still depend on individual circumstances, including medical history and destination.
Considering Pre-Existing Medical Conditions
People with existing health conditions often need travel insurance that takes those circumstances into account.
InsureandGo says it considers all pre-existing medical conditions. Examples listed by the company include asthma, diabetes, high blood pressure, heart conditions, epilepsy and cancer, although every customer’s circumstances are assessed individually.
Customers need to declare relevant medical conditions accurately when applying. If a condition is not properly disclosed, a related claim may not be covered.
The ability to discuss medical circumstances during the quotation process can therefore be an important feature for travellers who require more specialised protection.
More Than 100 Activities Covered
For many people, holidays involve more than relaxing beside the pool.
InsureandGo states that its policies include more than 100 sports and activities as standard. Additional protection may also be available for activities requiring more specialised insurance, including extreme sports, cruises and golf.
This flexibility can be helpful for travellers planning active holidays, although it remains essential to confirm that a particular activity is covered before participating.
Four Levels of Cover
Having multiple insurance levels gives customers greater control over the protection they purchase.
InsureandGo currently offers Budget, Silver, Gold and Black options for single-trip and annual multi-trip insurance. The levels differ in areas such as medical expenses, cancellation limits, baggage protection and excesses.
For example, Black currently provides unlimited medical and repatriation expenses, up to £10,000 for cancellation and curtailment, and a £0 standard excess. Gold and Silver provide lower but still substantial limits, while Budget offers a more basic level of protection.
The right choice therefore depends on the individual journey rather than simply choosing the highest or lowest-priced option.
Worldwide Travel Insurance
InsureandGo also provides worldwide travel insurance for people travelling beyond Europe.
For a single trip, customers can specify the country or countries they intend to visit. Annual policies divide destinations into geographical regions, including Europe and different worldwide options.
Destination rules matter when purchasing any travel policy. InsureandGo notes that cover can be affected when the UK Foreign, Commonwealth & Development Office advises against travel to a destination.
Checking official travel guidance before leaving is therefore an important part of preparing for an overseas trip.
An Established Name in Travel Insurance
Experience can be reassuring when choosing an insurer. InsureandGo says it has helped travellers for more than 25 years and has covered more than 27 million people.
Its combination of different cover levels, single and annual options, medical-condition consideration and round-the-clock emergency assistance means customers can choose insurance according to the type of journey they are planning.
Rather than focusing only on the cost of a policy, travellers should compare medical limits, cancellation protection, baggage benefits, excesses and exclusions before making a decision.
Conclusion
InsureandGo offers travel insurance designed for many different types of travellers and holidays. From a single overseas break to several trips throughout the year, customers can select from Budget, Silver, Gold and Black policies according to their requirements.
The availability of unlimited emergency medical and repatriation cover on its Black policy, up to £10,000 cancellation protection, 24/7 emergency medical assistance and cover for more than 100 activities demonstrates the broad range of protection available across its policies. InsureandGo also has no upper age limit and considers customers with pre-existing medical conditions.
