InsureandGo

InsureandGo is a Bristol based travel insurance provider which offers a range of policies, including cover for over 65's and pre-existing medical conditions. It was launched in 2000.

Though it specialises in travel, InsureandGo also provides insurance for pets and mobile phones.

InsureandGo's travel policies are provided and underwritten by large multinational insurer MAPFRE. With a UK office in London MAPFRE also underwrites policies for a number of other UK brands, including Virgin Money and Top Dog.

InsureandGo's pet insurance is administered by NCI insurance. Its lifetime pet insurance policies are underwritten by Aviva while its other pet insurance policies are underwritten by Covea.

InsureandGo
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Travel insurance

Ranked 35th of 68 providers reviewed.

Customer happiness 57%
Customer trust 42%
Complaints performance 60.55%
Transparency rating 48.71%
Fairer Finance score
Reviewed Spring 2020
52%

Pet insurance

Cat insurance

InsureandGo

£7,000 Lifetime

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £7,000
Dental cover (if due to an accident) i £7,000
Cruciate ligament damage i £7,000
CT scans i £7,000
MRI scans i £7,000
Prescription diet (treatment of bladder stones only) i £7,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,000

InsureandGo

£12,000 Lifetime

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £12,000
Dental cover (if due to an accident) i £12,000
Cruciate ligament damage i £12,000
CT scans i £12,000
MRI scans i £12,000
Prescription diet (treatment of bladder stones only) i £12,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,500
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £2,000

InsureandGo

£4,000 Lifetime

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £500

InsureandGo

£4,000 Maximum benefit

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £4,000
Age when compulsory excess rises i 4 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £500

InsureandGo

£7,000 Maximum benefit

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £7,000
Dental cover (if due to an accident) i £7,000
Cruciate ligament damage i £7,000
CT scans i £7,000
MRI scans i £7,000
Prescription diet (treatment of bladder stones only) i £7,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £7,000
Age when compulsory excess rises i 4 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £1,500

InsureandGo

Standard

2 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £0
Age when compulsory excess rises i 10 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £0

InsureandGo

£2,000 Maximum benefit

2 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £2,000
Age when compulsory excess rises i 4 years
Cancellation fee i £0
Amendment fee i £0
Does the policy offer cover if the pet dies because of an illness or accident, or if it’s lost or stolen? i £350

Dog insurance

InsureandGo

£4,000 Lifetime

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £750
Age when compulsory excess rises i 7 years
Amendment fee i £0

InsureandGo

£12,000 Lifetime

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £12,000
Dental cover (if due to an accident) i £12,000
Cruciate ligament damage i £12,000
CT scans i £12,000
MRI scans i £12,000
Prescription diet (treatment of bladder stones only) i £12,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,500
Age when compulsory excess rises i 7 years
Amendment fee i £0

InsureandGo

£7,000 Lifetime

4 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £7,000
Dental cover (if due to an accident) i £7,000
Cruciate ligament damage i £7,000
CT scans i £7,000
MRI scans i £7,000
Prescription diet (treatment of bladder stones only) i £7,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £1,000
Age when compulsory excess rises i 7 years
Amendment fee i £0

InsureandGo

£7,000 Maximum benefit

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £7,000
Dental cover (if due to an accident) i £7,000
Cruciate ligament damage i £7,000
CT scans i £7,000
MRI scans i £7,000
Prescription diet (treatment of bladder stones only) i £7,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £7,000
Age when compulsory excess rises i 4 years
Amendment fee i £0

InsureandGo

£4,000 Maximum benefit

3 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £4,000
Dental cover (if due to an accident) i £4,000
Cruciate ligament damage i £4,000
CT scans i £4,000
MRI scans i £4,000
Prescription diet (treatment of bladder stones only) i £4,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £4,000
Age when compulsory excess rises i 4 years
Amendment fee i £0

InsureandGo

£2,000 Maximum benefit

2 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £2,000
Dental cover (if due to an accident) i £2,000
Cruciate ligament damage i £2,000
CT scans i £2,000
MRI scans i £2,000
Prescription diet (treatment of bladder stones only) i £2,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £2,000
Age when compulsory excess rises i 4 years
Amendment fee i £0

InsureandGo

Standard

2 stars
If renewed, are existing conditions covered? i
Vet fees cover limit per condition i £3,000
Dental cover (if due to an accident) i £3,000
Cruciate ligament damage i £3,000
CT scans i £3,000
MRI scans i £3,000
Prescription diet (treatment of bladder stones only) i £3,000
Euthanasia cover limit i £0
Cremation i £0
Complementary treatment i £0
Age when compulsory excess rises i 7 years
Amendment fee i £0

Travel insurance

Annual multi-trip insurance

InsureandGo

Silver

4 stars
Medical excess i £60
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,000
Max trip duration i 45 days
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i
4 stars
Medical excess i £50
Cancelling before travel cover limit i £7,500
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £2,500
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £7,500
Abandoning your trip cover limit i £7,500
Lost or stolen cash i £300
Combined passport & travel cover limit i £200
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

InsureandGo

Black

4 stars
Medical excess i £0
Cancelling before travel cover limit i £10,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £3,000
Max trip duration i 90 days
Emergency medical cover and repatriation cover limit i Unlimited
Cutting trip short cover limit i £10,000
Abandoning your trip cover limit i £10,000
Lost or stolen cash i £500
Combined passport & travel cover limit i £250
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

InsureandGo

Budget

2 stars
Medical excess i £100
Cancelling before travel cover limit i £1,000
Personal Possessions and Baggage - damaged, lost or stolen- cover limit i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £1,000
Abandoning your trip cover limit i £1,000
Lost or stolen cash i £100
Combined passport & travel cover limit i £50
Natural disaster relocation cover i Optional
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

InsureandGo

Silver

4 stars
Medical excess i £60
Cancelling before travel cover limit i £5,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,000
Emergency medical cover and repatriation cover limit i £10,000,000
Cutting trip short cover limit i £5,000
Missed departure cover limit i £500
Abandoning your trip cover limit i £5,000
Lost or stolen cash i £200
Combined passport & travel cover limit i £100
4 stars
Medical excess i £50
Cancelling before travel cover limit i £7,500
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £2,500
Emergency medical cover and repatriation cover limit i £15,000,000
Cutting trip short cover limit i £7,500
Missed departure cover limit i £1,000
Abandoning your trip cover limit i £7,500
Lost or stolen cash i £300
Combined passport & travel cover limit i £200

InsureandGo

Black

4 stars
Medical excess i £0
Cancelling before travel cover limit i £10,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £3,000
Emergency medical cover and repatriation cover limit i Unlimited
Cutting trip short cover limit i £10,000
Missed departure cover limit i £1,500
Abandoning your trip cover limit i £10,000
Lost or stolen cash i £500
Combined passport & travel cover limit i £250

InsureandGo

Budget

2 stars
Medical excess i £100
Cancelling before travel cover limit i £1,000
Personal Possessions and Baggage - damaged, lost or stolen - cover limit i £1,000
Emergency medical cover and repatriation cover limit i £5,000,000
Cutting trip short cover limit i £1,000
Missed departure cover limit i £0
Abandoning your trip cover limit i £1,000
Lost or stolen cash i £100
Combined passport & travel cover limit i £50

Travel insurance add-on: cruise cover

5 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £1,000
Missed port departure excess i £50
Timetable/itinerary change cover limit i £500
Unused excursions cover limit i £500

InsureandGo

Black

5 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £1,000
Missed port departure excess i £0
Timetable/itinerary change cover limit i £500
Unused excursions cover limit i £500

InsureandGo

Silver

4 stars
Missed port departure cover limit i £1,000
Re-joining a cruise cover limit i £1,000
Cabin confinement cover limit i £1,000
Missed port departure excess i £60
Timetable/itinerary change cover limit i £500
Unused excursions cover limit i £500

Travel insurance add-on: winter sports

InsureandGo

Black

5 stars
Ski equipment owned cover limit i £1,500
Single owned item cover limit i £750
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £750
Ski equipment owned excess i £0
Ski equipment hired i £750
Single item limit for hired equipment i £750
Avalanche closure cover limit i £750
Piste closure cover limit i £500
Unused ski pass due to illness or injury i £510
4 stars
Ski equipment owned cover limit i £1,000
Single owned item cover limit i £500
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £500
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Avalanche closure cover limit i £500
Piste closure cover limit i £400
Unused ski pass due to illness or injury i £450

InsureandGo

Silver

3 stars
Ski equipment owned cover limit i £500
Single owned item cover limit i £250
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £200
Ski equipment owned excess i £60
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure cover limit i £250
Piste closure cover limit i £200
Unused ski pass due to illness or injury i £200

InsureandGo

Budget

1 stars
Ski equipment owned cover limit i £200
Single owned item cover limit i £100
Cover limit for hire of ski equipment due to loss/damage/delay to own equipment i £100
Ski equipment owned excess i £100
Ski equipment hired i £100
Single item limit for hired equipment i £100
Avalanche closure cover limit i £150
Piste closure cover limit i £100
Unused ski pass due to illness or injury i £200