Can I be honest with you for a second? For years – actually, embarrassingly many years – I was the person who skipped travel insurance. Every single time. I’d get to the checkout, see the add-on, and think “I’m young, I’m healthy, what could possibly go wrong?” and click past it. You probably know someone exactly like this. You might be this person.
Then came a trip to Barcelona in 2023 – a long weekend, supposed to be perfect – where I ended up in a private clinic with a badly sprained ankle after a cobblestone incident (don’t ask), staring at a bill that genuinely made me feel ill. No cover. Paid every cent myself. It was a very expensive lesson, and I’m not going to pretend it didn’t sting.
Since then, I’ve tried what feels like every travel insurance provider going. Some were fine. Some were genuinely baffling – so many exclusions buried in the small print that I’m not sure what they actually covered. And then a friend recommended InsureandGo, and I’ll be honest: I went in sceptical.
I’m not sceptical anymore.
What Actually Makes InsureandGo Different
Here’s the thing most travel insurers don’t lead with: their limitations. Age caps. Pre-existing condition exclusions. A list of activities they won’t touch. InsureandGo – and this is the bit that genuinely surprised me – leads with what they do cover. There’s no upper age limit on their policies. All pre-existing medical conditions are covered. Over 27 million travellers have chosen them over 25+ years of operation.
That last number – 27 million – is the kind of thing that sounds like marketing fluff until you actually think about it. That’s not a niche provider scraping by. That’s a company people keep coming back to, and that word-of-mouth matters to me more than any badge on a website.
Ready to see what your cover would cost? Get a quick quote from InsureandGo here – it takes about two minutes.
And if you travel with family or have older relatives to think about, InsureandGo’s family and group options are worth a look too – the no upper age limit policy applies across the board.
The Three Things That Actually Sold Me
When I was comparing policies properly – spreadsheet open, reading the actual policy documents like a deeply unsexy adult – three things about InsureandGo kept coming up as standout.
No upper age limit. This sounds obvious until you start looking at how many insurers quietly cap cover at 65, 70, or 75. My parents travel constantly in their 70s, and finding decent cover at a fair price has always been a headache for them. InsureandGo doesn’t operate that way – your age doesn’t price you out.
All medical conditions covered. Pre-existing conditions being covered outright – not as an optional expensive add-on, not buried in exceptions – is rare. Most insurers treat anything they already know about as something to avoid covering. InsureandGo’s approach is refreshingly different.
25+ years in the business. There’s something to be said for longevity. Insurers come and go – some newer ones are perfectly fine, but there’s real comfort in a company that’s been handling travel claims since before budget airlines were even a thing.
Check which policy fits your trip on InsureandGo’s site – they break it down simply between single trip, annual multi-trip, and specialist cover.
Which Policy Do You Actually Need?
This is where I see people get confused – and I was confused too, initially. InsureandGo offers a few main types of cover, and which one you need depends entirely on how you travel.
Single trip insurance is exactly what it sounds like – cover for one specific trip. Perfect if you travel once or twice a year and want to think about it per-holiday rather than upfront. I use this for longer trips – a two-week proper holiday – because the price is right for that usage pattern.
Annual multi-trip insurance is the one I’d push anyone who travels more than three times a year towards. You pay once, you’re covered for all your trips within 12 months. When you add up the cost of insuring each trip individually, annual cover almost always wins – and you don’t have to remember to buy it every time you book flights, which for me is genuinely half the appeal.
There’s also specialist cover for winter sports, cruises, and other specific trip types – worth exploring if your travel habits lean in those directions.
Not sure which suits you? InsureandGo’s quote tool walks you through it – select your trip type and it does the rest.
The Part I Hadn’t Expected: The Claims Side
Here’s my honest verdict on what most travel insurance reviews skip over: the claim process only matters when something goes wrong – and that’s usually the moment you’re stressed, exhausted, potentially ill, and in a country where you don’t speak the language fluently. How easy is it to actually reach someone?
InsureandGo has 24/7 emergency assistance – which I knew going in – but what I didn’t know until I spoke to a friend who’d actually used it was how straightforward their team was to deal with. Not perfect – no insurer is, and I’ll admit I haven’t had to make a major claim myself with them yet – but the feedback from people who have is consistently better than average.
That matters to me. A cheap policy that fights you at claim time isn’t actually cheap – it’s just a different kind of expensive.
One Thing Worth Knowing Before You Buy
In the spirit of actually being useful: the one thing to check with any InsureandGo policy (or any travel insurance, honestly) is your activity coverage. If you’re planning anything particularly adventurous – skiing, scuba diving, certain winter sports – make sure it’s explicitly covered in your policy tier. Most standard policies have a baseline that covers the majority of activities most people do, but if you’re planning something specific, confirm it before you go rather than assuming.
It’s not a dealbreaker – it’s just the sensible thing to check with any insurer, and InsureandGo is clear about this on their site. You can explore your specific activity cover options directly on InsureandGo before committing.
My Honest Take
If you’re still buying the cheapest possible travel insurance without reading what it covers – or worse, skipping it entirely like 2023 me – I’d really urge you to reconsider. The difference between a bad trip and an absolute disaster is often just a policy document.
InsureandGo isn’t the newest player in the market. It’s not trying to be flashy. It’s just been doing this reliably, for a very long time, with coverage that doesn’t try to wriggle out of the hard cases. For a regular UK-based traveller like me, that’s exactly what I want.
I’ve linked to their site throughout this piece, but if you’ve scrolled straight to the bottom – fair enough, here it is:
