Review of goodtogoinsurance.com: Need Travel Insurance for Medical Conditions?

Review of goodtogoinsurance.com: Need Travel Insurance for Medical Conditions?

A specialist travel insurer for pre-existing medical conditions, offering a host of attractive features like 24/7 Virtual Doctor and recuperation holidays and home help after emergency surgery abroad.

Good for

  • Specialist travel insurer
  • Most medical conditions, including severe and terminal cases
  • Many options including Gadget and 24/7 Virtual Doctor
  • Excellent customer reviews
  • Medical repatriation

Bad for

  • Those looking for the cheapest cover

Editor's Rating

4.5/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

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Goodtogoinsurance.com is a specialist travel insurance provider that caters to medical conditions up to a high level of severity, including high blood pressure, high cholesterol, heart conditions, cancer, diabetes, asthma, stroke, MS, anxiety and depression. Excellent customer reviews and a wide range of optional extras give further piece of mind. For instance, policyholders can add on 24/7 Virtual Doctor to access a UK doctor for advice whilst away.

goodtogoinsurance.com Travel Insurance Review: What You Need to Know

Travel insurer goodtogoinsurance.com specializes in pre-existing medical conditions, even when they are severe or terminal. Knowing their target audience and aiming to serve them well, goodtogoinsurance.com offers a host of features for those worried about travelling with medical issues. For instance:

  • Medical repatriation for you and a companion if medically necessary
  • Optional 24/7 Virtual Doctor Access to speak with a UK-based doctor for advice when you're abroad
  • For those who want bare bones travel insurance only for medical emergency cover, the Silver plan doesn't include cancellation, baggage etc., and is cheaper as a result
  • Following emergency surgery and a 5-day hospital stay abroad, cover for a recuperation holiday and home help

For travellers just looking for medical emergency cover, we quite like goodtogoinsurance.com’s medical-only Silver plan. The Silver plan doesn’t cover mishaps like cancellation or lost baggage. But for those whose priority is protection against the potential financial devastation of a medical event abroad, the Silver plan can provide emergency medical cover at a more economical rate since events like cancellation or baggage are not included.

Applying is pretty quick and easy, either on the phone or online. As part of the quote process you’ll disclose your medical conditions and answer a series of multiple choice questions, such as past treatments, any upcoming, scheduled treatments and whether you had any hospital stays in the past year. You don’t need a doctor's certificate or the names of any medications. Scheduled Airline Failure is included on all policies.

While not the cheapest in the market, goodtogoinsurance.com's features are more robust than many competitors. To check prices from goodtogoinsurance.com and many other medical-condition specialists like Fit2Travel and OK to Travel, fill out one form with our trusted partner, Compare Cover.

What if I have a severe medical condition? If you're struggling to find Annual travel insurance to cover your medical conditions at a reasonable price, you may want to consider a single trip policy instead. Since those with a severe medical condition are riskier to insure, travel insurance providers are more comfortable providing cover for a known trip over a limited time, as discussed in our article on top tips for travel insurance with medical conditions.

For single trip policies, goodtogoinsurance.com will consider all types of conditions up to a very high level of severity. For annual multi-trip policies, however, goodtogoinsurance.com can cover a more limited degree of severity.

Over 65s: goodtogoinsurance.com will cover travellers of any age, whether you’re over 65, over 80 or even over 90!

Bottom Line: goodtogoinsurance.com can provide travel insurance for most people, even those with a severe medical conditions. Extra options such as the 24/7 Virtual Doctor and Gadget cover set goodtogoinsurance.com apart from the competitors.

How do goodtogoinsurance.com Prices Compare?

We compared goodtogoinsurance.com's premium Platinum plan against similar, competing plans from Free2Travel and Free Spirit, and found that goodtogoinsurance.com's prices were frequently on the high side.

For example, goodtogoinsurance.com's Platinum plan cost 2X for cover for aneurysm and a stent in Europe vs. Free2Travel and Free Spirit's prices, but in some cases their prices were in line with competitors. The table and charts below illustrate sample prices for a 65-year-old traveller with various conditions for premium plans with £10 million of medical, £5,000 of cancellation and £3,000 of baggage cover.

Health ConditionGeographic AreaFit2TravelFree SpiritGoodToGo
High Blood Pressure & CholesterolEurope£36£54£68
Worldwide£108£159£155
Anxiety & DepressionEurope£36£54£68
Worldwide£108£154£152
Breast CancerEurope£36£61£76
Worldwide£136£221£407
AsthmaEurope£36£63£77
Worldwide£136£221£401
Aneurysm & StentEurope£90£98£195
Worldwide£705£531£907
chart showing prices of Free Spirit travel insurance plans compared to competitors for Europe travel
chart showing prices of Free Spirit travel insurance plans compared to competitors for Worldwide travel

Insurance quotes can vary significantly from day to day and according to each individual's details, so please just use this following data for general educational purposes only about the travel insurance market; your quotes may reflect a large degree of variation.

goodtogoinsurance.com Gold and Platinum Standard Features

goodtogoinsurance.com includes cover for Emergency Medical, Cancellation and Baggage on their Gold and Platinum policies, limits for which can be found below in the Policies section. Their Silver plan is a "medical only" insurance plan.

Free Spirit Travel Insurance Features
Emergency MedicalProvides cover for your emergency medical bills, emergency dental treatment and repatriation back to the UK, up to the amount specified.
Trip Cancellation/CurtailmentProvides cover for your unrecoverable holiday costs in the event that you are forced to cancel your trip due to various reasons such as illness or redundancy.
Personal Belongings/BaggageProvides cover for the accidental loss, damage or theft of your baggage and personal effects.
Baggage DelayProvides a benefit to cover the cost of essential replacement clothing and toiletries if your baggage is delayed on your outward journey, up to the amount specified.
Missed DepartureProvides cover for additional travel and/or accommodation expenses in the event that you miss the departure of your outward or final return journey home, due to accident, electrical or mechanical breakdown of the vehicle you are travelling in.
Travel DelayProvides a benefit to cover incidental expenses, up to the amount specified, if the start of your booked outward, or return international, journey is delayed for more than 12 hours, due to industrial action, adverse weather or mechanical breakdown.
Natural DisasterProvides cover up to the amount specified to continue your trip if you are forced to move from your pre booked accommodation as a result of a natural catastrophe such as hurricane or earthquake.
Scheduled Airline FailureScheduled airline failure provides cover for the insolvency or financial failure before and after departure of: Scheduled airlines, Hotels, Car ferries, Villas abroad & cottages in the UK, Railway journeys, Coach journeys, Cruises not bonded, Car hire, Caravan sites / campsites / mobile homes, Camper rental, Safaris, Excursions, Theme parks
Home HelpProvides a benefit as specified, to cover the additional costs of employing a home help or nanny, if you are hospitalised, or advised to stay in bed at home, once repatriated back to the UK, after spending more than 5 days in hospital and undergoing surgery during your trip.
Recuperation HolidayProvides cover up to the amount specified to cover travel and accommodation expenses of a recuperation holiday, within 3 months of your return to the UK from your trip, if you have to spend more than 5 days in hospital after undergoing surgery during your trip
Loss of MedicationProvides cover up to the amount specified for the necessary and reasonable cost of replacing essential medication lost or stolen during your trip.

For more complete details like inner limits and exclusions, please see the policy documents.

Goodtogoinsurance.com Optional Extra Coverages

Goodtogoinsurance.com offers a wide range of extra coverages to protect you while you’re abroad. For instance, you can buy winter sports cover, cruise cover and gadget cover to protect mobile phones and tablets when you go abroad.

Goodtogoinsurance.com Optional ExtrasSummary
GadgetsExtend the Personal Property section of your travel insurance to cover loss, theft or damage to your tablet, mobile phone and other gadgets while you’re away.
24/7 UK Virtual Doctor AccessUnlimited access to a private GP helpline whilst you are on holiday, enabling you to speak to a doctor in the UK at a time and place that suits you.
Terrorism ExtensionAdditional cover up to £2000 to cancel or cut short your trip if a terrorist act occurs within a 40 mile radius of your pre-booked accommodation and you no longer want to travel.
Missed ConnectionCover if you miss a connecting flight, ferry, cruise ship, train or motor vehicle due to delay of your initial international outbound transport.
Natural CatastropheCover for cancellation due to unexpected natural events such as volcanic ash cloud and other natural disasters (e.g., earthquakes, flood and hurricanes).
Hazardous Activities & SportsCover for those up to age 75 for more adventurous activities, such as hot air ballooning, helicopter rides and cycle touring.
Travel DisputeCover to help pursue a legal case against one of your holiday suppliers.
Winter SportsEquipment delay, loss, theft or damage, piste closure, avalanche closure, loss of ski pass, up to age 75.
GadgetFree Spirit sells separate, stand-alone mobile phone and tablet insurance product with worldwide cover for gadgets up to 12 months old.

Goodtogoinsurance.com Travel Insurance Cover Plans & Limits

Goodtogoinsurance.com offers three tiers of travel insurance. While all three offer the same £10 million of emergency medical cover, the tiers differ in limits for other coverages. For instance, the top-tier Platinum plan protects holidays valued up to £5,000 against cancellation or curtailment, whereas the entry-level Silver plan is structured as a medical-only plan and doesn’t offer any cover for cancellation, baggage, etc.

CHECK WITH COMPARE COVERSilverGoldPlatinum
Standard Excess£100£75£0
Medical Excess£500£150£0
CancellationNo cover£2,000£5,000
CurtailmentNo cover£2,000£5,000
Missed DepartureNo cover£500£500
Travel DelayNo cover£100/£20 per 12 hrs£100/£20 per 12 hrs
AbandonmentNo cover£2,000£5,000
Personal Accident (Death, Loss of Limb/Sight, Permanent Total Disablement)No cover£15,000£15,000
Medical and Repatriation Expenses£10,000,000£10,000,000£10,000,000
Hospital Benefit£1000/£25£1000/£25£1000/£25
Loss of Medication£300£300£300
Recuperation Holiday£750£750£750
UK Medical Exam£500£500£500
Home Help or Nanny£500/£100£500/£100£500/£100
Cosmetic Surgery£2,500£2,500£2,500
Kennel and Cattery£500£500£500
Personal PropertyNo cover£2,000£3,000
Single Article LimitNo cover£250£300
Valuables LimitNo cover£250£300
Spectacles LimitNo cover£150£300
Laptop CoverNo cover£500£500
Delayed BaggageNo cover£100£300
Personal MoneyNo cover£400£400
Cash LimitNo cover£200£300
Mobility Aids£2,500£2,500£2,500
Loss of PassportNo cover£300£300
Personal LiabilityNo cover£2,000,000£2,000,000
Legal ExpensesNo cover£25,000£25,000
CatastropheNo cover£1,000£1,000
HijackNo cover£500/£40£500/£40
Scheduled Airline Failure and End Supplier FailureUp to £1,500Up to £1,500Up to £1,500

How does goodtogoinsurance.com Compare to Competitors?

To better understand the value of Free Spirit travel insurance you need to look at it in the context of other available options. We compared it to other plans in the market so you can see which may be more suitable for you.

goodtogoinsurance.com Travel Insurance vs Fit2Travel Travel Insurance

Fit2Travel is another travel insurer specializing in offering cover to those with pre-existing medical conditions. Fit2Travel plans are typically more economical relative to others in the market for the level of cover, but you don't get perks like aftercare cover post hospitalization once you return home to the UK.

Bottom Line: If you want features like cover for aftercare (e.g., physiotherapy, cosmetic surgery, etc.) on your return home to the UK, a recuperation holiday or optional 24-hour doctor advice then you might be happy to pay more for goodtogoinsurance.com. If price is your priority, you're likely to find a cheaper premium with Fit2Travel.

goodtogoinsurance.com Travel Insurance vs Free Spirit Travel Insurance

Another medical-specialist for those travelling with health conditions, Free Spirit offers a host of optional extras like aftercare following hospitalisation abroad, which covers home help, cosmetic surgery, dental treatment, physiotherapy and UK convalescence. Prices are typically close to average, although can vary depending on the condition.

Bottom Line: Free Spirit provides slightly more robust aftercare once you return home to the UK (e.g., physiotherapy, cosmetic surgery, etc.), but goodtogoinsurance.com stands out for the optional 24/7 Virtual Doctor and recuperation trips. If price is a priority, Free Spirit is likely to be cheaper.

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Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.