Insure & Go Travel Insurance Review: The Right Cover for You?

Insure & Go Travel Insurance Review: The Right Cover for You?

Solid travel cover with comprehensive features and particularly good value on optional Gadget cover.

Good for

  • Specialist cover
  • Covering a wide range of travel plans
  • Longer trip lengths
  • Submitting claims online

Bad for

  • No SAFI cover

Editor's Rating


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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Insure & Go is a specialist travel insurer, with quite comprehensive cover that includes features like Emergency Medical, Cancellation, Baggage, Travel delay, Baggage delay, Natural Disaster cover and more on all plans. This specialist holiday cover company also includes Winter Sports on all Annual, Multi-Trip plans when you buy direct from Insure & Go, and offers better-than-average coverage for UK-based holidays, since there is no minimum night stay.

Read our review of policies bought direct from them to learn about features and prices of Insure & Go travel insurance—plus we'll explain the main differences between buying direct from the Insure & Go site versus buying through a comparison site, to help you decide where to buy.

Choosing the best travel insurance for you will depend on factors like price points and features that you might find valuable. Please use the information in this review to help you narrow your choices.

Insure & Go Travel Insurance Review: What You Need to Know

Insure & Go is a popular, specialist UK travel insurance provider, which offers a range of plans to suit those looking to cover a budget holiday up to those insuring a premium holiday valued at up to £10,000 per person. Plus they offer specialist cover such as cruise cover, backpackers insurance, over 65s cover, etc. They were purchased by competitor AllClear in September 2021.

While there used to be two ways to buy Insure and Go travel insurance—direct from their website or from a comparison site like Compare Cover—it seems they are no longer featuring on comparison sites. It used to be that the plans offered from comparison sites were cheaper and (mostly) provided lower cover limits.

But anyway, we will now discuss the plans they sell direct!

The plan with the highest cover (£10k Cancellation) is the Black plan. At the other end of the spectrum is the Budget plan (£1,000 Cancellation). There are two plans in between, Silver and Gold. We'll discuss how these differ later on.

Are Mobile Phones Covered? Mobile phones are covered through Valuables cover on all plans, from £100 up to £600 depending on the tier of cover (with Single Item limits of £100 to £500). For many people, these limits may be too low. If this is the case for you, you're able to pay extra for the Valuables Extension, which provides up to £2,000 of cover per policy, with a £1,000 limit per item. Not this limit is per policy not per insured person. We gathered prices for this Valuables Extension to give you an idea of what this might cost, although prices may vary.

Valuables Extension PremiumUp to £2,000 (£1,000 per item)Up to £1,000 (£500 per item)
Single Trip (7 days)All Plans£13n/a
Annual, Multi-TripBudget£20n/a

Keep in mind that the average cost of optional Gadget travel cover is around £35 for Annual, Multi-trip policies and £13.50 for Single Trip policies. To see a list of other companies that offer a gadget travel insurance add on please see our article, Travel Insurance Companies with Optional Gadget Cover.

Pre-Existing Conditions: As part of the online application you'll be asked a series of brief medical questions. If you have a medical condition, Insure & Go may be able to offer cover for some pre-existing medical conditions, for which you'll probably be required to pay a higher premium. Pre-existing conditions are only covered if they've been fully declared, accepted and paid for.

What's Missing? Unfortunately, Insure and Go doesn't offer and financial failure or insolvency cover, which protects you if a provider goes bust and your trip falls apart. Read more about these coverages here.

Covid Cover: All policies bought from their website include Covid travel insurance. There is no cover for any other Coronavirus-related claims, including lockdowns, quarantines or other government restrictions. But there is cover for cancellation or curtailment related to Covid, subject to conditions, and for medical treatment for Coronavirus while abroad. Read more here.

How do Insure & Go Prices Compare

Overall, the cost of Insure & Go travel insurance plans is very attractive when compared with market averages. Only Insure & Go's top-tier Gold and Black plans (and perhaps Silver for Single trips) work out higher than the average cost of holiday cover (illustrated by the columns on the right in the charts below), whether you're travelling to geographies like Europe or America. We think Insure & Go offers attractive deals, especially with their Economy, Economy Plus and Premium plans from comparison sites.

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

chart showing prices of Virgin Money travel insurance plans compared to the market average
chart showing prices of Virgin Money travel insurance plans compared to the market average

Types of Insure & Go Travel Insurance Policies

Direct from their website, Insure & Go offers four tiers of travel insurance—Budget, Silver, Gold and Black. All are available for Single Trips or as Annual, Multi-Trip policies.

Single Trip While there is no upper age limit, there are restrictions on trip length if you are aged 66 or over when you buy the policy.

Annual Multi-Trip There is no upper age limit on direct policies. Maximum trip length varies according to which policy you buy and your age when you buy the policy:

Policy TypeMax Trip LengthWinter Sports Cover
Budget31 days17 days
Silver45 days17 days
Gold45 days17 days
Black55 days17 days

Insure & Go Cover Limits and Excess Amounts

Limit per insured personBudgetSilverGoldBlack
Cancelling and cutting short your holiday£1,000£5,000£7,500£10,000
Medical and other expenses£5 million£10million£15millionUnlimited
Hospital benefit£10/24 hours up to £100£20/24 hours up to £1,000£30/24 hours up to £1,500
Personal Accident
Loss of limbs or sight (aged under 66)£10,000£20,000£50,000£75,000
Permanent total disablement (aged under 66)£10,000£20,000£50,000£75,000
Death benefit (aged 18 to 65)£5,000£5,000£25,000£35,000
Death benefit (aged under 18)£2,500£2,500£2,500£3,500
All benefits (aged 66 and over)£2,500£2,500£2,500£3,500
Including: Single article, pair or set limit£100£200£300£500
Valuables limit in total£100£200£400£600
Alcohol and tobacco limit£25£50£100£125
Baggage delay (for purchases made)£25/12 hours up to £50£50/12 hrs up to £100£100/12 hrs up to £200£150/12 hours up to £300
PERSONAL MONEY£200£500£500£750
Cash limit£100£200£300£500
Beach cash limit£50£100£150£250
Cash limit (aged under 18)£50£50£50£50
Passport and travel documents£50£100£200£250
Abandoning your trip£1,000£5,000£7,500£10,000
Delayed departure (First 12 hrs/Other 12 hrs/Max)£20/£20/£200£30/£20/£450£40/£25/£540£50/£30/£650
Missed departureN/A£500£1,000£1,500
Personal liability£1 million£2 million£2 million£3 million
Legal expenses£10,000£15,000£50,000£60,000
Hijack£50/day up to £500£50/day up to £500£75/day up to £1,000
Accommodation cover£250£1,000£1,000£1,500
Pet care£20/day up to £200£50/day up to £500£75/day up to £750

How does Insure & Go Travel Insurance Compare to Competitors?

To better understand the value of Insure and Go 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.

Insure & Go Travel Insurance vs Admiral Travel Insurance

Admiral travel insurance is another solid travel insurance company. We particularly like the ability to add £1,000 of gadget cover to their plans. Plus, Admiral's top-tier Gold and Platinum plans include Catastrophe cover to provide a financial buffer in case your trip is affected by a natural disaster like a hurricane or earthquake.

Bottom Line: If you want protection against Catastrophes and for your gadgets (e.g., mobile phones) then Admiral may be a solid choice.

Insure & Go Travel Insurance vs Sainsbury's Travel Insurance

Sainsbury's travel insurance offers good travel cover at decent prices, especially when purchased through a comparison site. All plans include Baggage, Cancellation and Emergency Medical, but you also get Scheduled Airline Failure, Delayed Departure and Trip Abandonment. Extended Gadget cover can be added to all plans to cover mobile phones, iPads, etc. For those going on an extended holiday, you may benefit from trip lengths that are longer than average.

Bottom Line: Those needing cover for longer trips or want cover for gadgets and SAFI might find particularly suitable travel insurance from Sainsbury's Bank.

Insure & Go Insurance vs Coverwise Travel Insurance

Coverwise travel insurance is another reputable specialist travel insurance provider known for offering good value. Cancellation cover ranges from £1,000 to £10,000 and Baggage from £750 up to £3,000, with prices starting from around £5 for a single trip to Europe. Emergency Medical starts at £5 million and goes up to unlimited cover on top tier plans. The Valuables extension upgrade may be useful if you want more cover for gadgets like mobile phones, laptops, etc. to provide £1k or £2k of valuables cover, starting at a cost of £5.90.

Bottom Line: Coverwise is another reliable option for travel insurance with the added benefit of optional gadget cover to protect mobile phones, tablets, etc.

Other Useful Information: Policy Wording

Erin Yurday

Erin Yurday is the Founder and Editor of NimbleFins. Prior to NimbleFins, she worked as an investment professional and as the finance expert in Stanford University's Graduate School of Business case writing team. Read more on LinkedIn.


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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