InsureandGo travel insurance review

InsureandGo is listed as a specialist in covering customers with pre-existing medical conditions.

All four InsureandGo travel insurance policies – Black, Gold, Silver and Budget – are underwritten by Zurich Insurance Plc.

This article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Does InsureandGo offer the best travel insurance?

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

Dean Sobers, Which? travel insurance expert, says:

I've been analysing InsureandGo's extensive range of 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 InsureandGo good if you have a medical condition?

InsureandGo is a listed medical specialist insurer, meaning it's worth trying if you have trouble getting cover for a reasonable price because of your medical history.

You'll need to declare your conditions to ensure they're covered. InsureandGo works with Verisk, a medical screening company, to evaluate your medical risk.

Be warned: while InsureandGo is a specialist for those with medical conditions, its Budget policy doesn't cover these at all. So if you want your conditions covered, this particular policy won't be suitable.

If you're struggling to find cover, check our guide on travel insurance if you have a medical condition.

How good is InsureandGo at handling claims?

InsureandGo uses a company handling firm called Gallagher Bassett to handle its claims. 

The latest published data from the Financial Conduct Authority, current to 2024, shows that InsureandGo accepted 85-90% of claims made on European annual policies that year, in line with the average of 86.3%. 

Meanwhile, it accepted 80-85% of claims made on annual worldwide and single-trip policies. These figures put it in line with the average for worldwide cover (84.5%) and above the average for single-trip cover (80%).

InsureandGo travel insurance: how can I claim?

InsureandGo's claims number is +44 (0)141 343 1350. 

You can also claim online. 

Insurers will usually expect you to try recouping lost costs (such as deposits) elsewhere before claiming with them – for example, checking with the travel provider if you're entitled to a refund or can move 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 call.

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

How does InsureandGo compare with other providers?

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Should you buy InsureandGo travel insurance?

Only Which? members can read our ultimate verdict on InsureandGo's cover, so log in or sign up to find out what it is.

How we rate travel insurance