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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 Overall Review
- Policy Limits and Coverage Options
- How does goodtogoinsurance.com Compare to Competitors?
- Policy Wording and Claims
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.
Those going on a cruise can get cover for cabin confinement, emergency airlift to hospital, missed port and unused excursions. To learn more about market prices please see our article Average Cost of Cruise Travel Insurance UK.
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 Condition||Geographic Area||Fit2Travel||Free Spirit||GoodToGo|
|High Blood Pressure & Cholesterol||Europe||£36||£54||£68|
|Anxiety & Depression||Europe||£36||£54||£68|
|Aneurysm & Stent||Europe||£90||£98||£195|
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 Medical||Provides cover for your emergency medical bills, emergency dental treatment and repatriation back to the UK, up to the amount specified.|
|Trip Cancellation/Curtailment||Provides 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/Baggage||Provides cover for the accidental loss, damage or theft of your baggage and personal effects.|
|Baggage Delay||Provides 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 Departure||Provides 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 Delay||Provides 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 Disaster||Provides 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 Failure||Scheduled 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 Help||Provides 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 Holiday||Provides 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 Medication||Provides 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 Extras||Summary|
|Gadgets||Extend 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 Access||Unlimited 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 Extension||Additional 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 Connection||Cover if you miss a connecting flight, ferry, cruise ship, train or motor vehicle due to delay of your initial international outbound transport.|
|Natural Catastrophe||Cover for cancellation due to unexpected natural events such as volcanic ash cloud and other natural disasters (e.g., earthquakes, flood and hurricanes).|
|Hazardous Activities & Sports||Cover for those up to age 75 for more adventurous activities, such as hot air ballooning, helicopter rides and cycle touring.|
|Travel Dispute||Cover to help pursue a legal case against one of your holiday suppliers.|
|Winter Sports||Equipment delay, loss, theft or damage, piste closure, avalanche closure, loss of ski pass, up to age 75.|
|Gadget||Free 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 COVER||Silver||Gold||Platinum|
|Missed Departure||No cover||£500||£500|
|Travel Delay||No cover||£100/£20 per 12 hrs||£100/£20 per 12 hrs|
|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|
|Loss of Medication||£300||£300||£300|
|UK Medical Exam||£500||£500||£500|
|Home Help or Nanny||£500/£100||£500/£100||£500/£100|
|Kennel and Cattery||£500||£500||£500|
|Personal Property||No cover||£2,000||£3,000|
|Single Article Limit||No cover||£250||£300|
|Valuables Limit||No cover||£250||£300|
|Spectacles Limit||No cover||£150||£300|
|Laptop Cover||No cover||£500||£500|
|Delayed Baggage||No cover||£100||£300|
|Personal Money||No cover||£400||£400|
|Cash Limit||No cover||£200||£300|
|Loss of Passport||No cover||£300||£300|
|Personal Liability||No cover||£2,000,000||£2,000,000|
|Legal Expenses||No cover||£25,000||£25,000|
|Scheduled Airline Failure and End Supplier Failure||Up to £1,500||Up to £1,500||Up 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 home help after a qualifying surgery 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 hospitalization 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 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.