Insurancewith travel insurance review

Insurancewith is a specialist provider for customers with pre-existing medical conditions.

We've rated three of its policies: Platinum, Sapphire and Emerald.

Insurancewith travel insurance is underwritten by Collinson Insurance, which is a trading name of Astrenska Insurance Limited.

Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of an insurer before committing to any financial products.

Does Insurancewith offer the best travel insurance?

See our full list of the best travel insurance.

What does Insurancewith travel insurance offer?

'The excess-free Platinum policy impressed us'

Dean Sobers, Which? travel insurance expert, says:

With a policy score of 68%, the Platinum policy sat comfortably in the top half of our table and was a Best Buy.

Its high points included no excesses and up to £1,500 cover if you missed your flight departure. The policy also offers £500 for expenses caused by travel delays.

Despite dental emergencies being included under its generous £10m limit, like most policies, this is only for pain-relief treatment.

Good cover for mobility equipment

All policies offered by Insurancewith include £5,000 worth of cover for personal mobility equipment and £1,000 for hired equipment if it's lost, stolen or damaged.

• Find out more about how we pick our travel insurance Best Buys.

Sapphire and Emerald policies

With a score of 61%, Insurancewith's Sapphire policy wasn't quite up to Best Buy level (the minimum required score was 64%). However, it still fared reasonably well, placing in the middle 20% of the policies we examined.  

Emerald, meanwhile, was in the bottom half of our table, with a score of 58%. It shares the £10m medical expenses cover that Sapphire and Platinum offer, but has lower cover in various other areas. For example, its £1,000 cancellation cover is a fifth of what Platinum provides, and its £150 travel delay cover is half of what Sapphire offers.

For all three policies, the maximum trip length with single-trip cover depends on age. If you're 65 or younger, it's 94 days. Older customers aged under 85 get 45 days for European trips and 31 days further afield. And cover for travellers aged 85 or older lasts for 31 days.

Is Insurancewith good if you have a medical condition?

Insurancewith is a specialist at covering customers with pre-existing medical conditions.

You'll need to go through a medical screening process when applying for cover, declaring your conditions, how they're treated and how stable they are. The insurer will then decide whether it can cover your conditions and if it will affect the price.

Insurancewith works with a medical screening company called Protectif to ask customers about their medical conditions.    

Depending on your specific medical history, you may find it tricky to obtain affordable cover, or it might barely make a difference. For advice on how to get the best cover and prices, see our guide on travel insurance if you have a medical condition.

How good is Insurancewith at handling claims?

Insurancewith uses a company called Collinson Insurance Services to handle claims.

• The latest data from the Financial Conduct Authority shows that Astrenska – Insurancewith's underwriter – paid 90-95% of claims made on European annual policies in 2024, which is above the average of 86.30%.
• The insurer accepted 90-95% of claims on worldwide policies, which is better than the average of 84.50%.
• It also accepted 85-90% of claims made on single-trip policies, again beating the average of 80%.

Insurancewith travel insurance: how can I claim?

For medical emergencies abroad, call +44 (0)333 005 1069. 

To make other types of claim, call 0333 005 1068. You can also claim online. 

Insurers will usually expect you to try to recoup lost costs (such as deposits) elsewhere before claiming with them – for example, checking with the travel provider whether you're entitled to a refund or can reschedule a cancelled trip. However, you can still call the insurer to let it know if there's a chance you'll need to claim.  

You'll need to provide your policy number when you make a claim. 

• Find out more: how to claim on your travel insurance.

Need travel insurance?

This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.

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How does Insurancewith compare to other providers?

The Platinum policy has a score of 68% and is a Best Buy. Above it, with 69%, are Gold from Axa, Platinum from Cover For You, the Ultimate Reward packaged bank account from Halifax, First from Insure & Escape, Flexi Silver from Leisure Guard and the Black packaged bank account from NatWest.

Below, with 67%, are Level 5 from Explorer, Halifax's Platinum packaged bank account, Insure & Go's Black policy (a Best Buy), Standard from Leisure Guard, NatWest's Silver packaged bank account, Platinum from Outbacker, RBS Silver and Platinum packaged bank accounts, Standard from Tesco, and Silver from Travel Insurance Saver. 

Should you buy Insurancewith travel insurance?

Potentially, if you're getting a reasonable quote for the Platinum Policy. 

And if you struggle to find affordable cover for your health conditions, Insurancewith is definitely worth a look if you, as it is a medical specialist.

How we rate travel insurance