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?

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'What you need to know about Insurancewith's policies'

Dean Sobers, Which? travel insurance expert, says:

I've been analysing Insurancewith's policies for a decade.

If you're a Which? member you can log in (or if not, sign up) to read my explanation of their strengths and weaknesses.

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.

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How does Insurancewith compare to other providers?

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Should you buy Insurancewith travel insurance?

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How we rate travel insurance