If you’re over 60 and hunting for travel insurance that won’t penalize you for a heart condition or diabetes, you’ve probably noticed most providers either charge a fortune or decline you outright. InsureandGo pitches itself as the exception — a specialist that covers pre-existing conditions with no upper age limit. But does the fine print hold up when you actually need to claim?
Years trusted: 25+ · Travellers covered: 27M+ · Medical conditions: All covered · Age limit: No upper limit · Ireland policies: Single and multi-trip
Quick snapshot
- 27M+ travellers trusted InsureandGo over 25+ years (InsureandGo Official Site)
- Zurich Insurance Plc underwrites all policies (Which? Review)
- Black policy covers unlimited medical expenses (Which? Review)
- Exact excess amounts vary by policy tier and are not publicly listed
- Specific claim denial rates for ear infection-related claims unavailable
- 2024-2026 FCA claims acceptance data not yet published
- 2023 FCA data shows 85-90% European annual claims accepted vs 82.2% industry average (Which? Review)
- 81% Which? score positions InsureandGo positively against competitors (Which? Review)
- Online medical screening required before purchase
- Quote process includes Verisk health questionnaire
- Policy documents delivered digitally upon approval
| Specification | Detail |
|---|---|
| Founded | Over 25 years ago |
| Headquarters | Gibraltar |
| Travellers served | 27M+ |
| Age policy | No upper limit |
| Medical screening | Online process |
Is InsureandGo travel insurance any good?
The Which? review scored InsureandGo at 81%, placing it in positive territory against major competitors. Independent Financial Conduct Authority data shows the insurer accepted 85-90% of European annual policy claims in 2023, comfortably above the 82.2% industry average. For worldwide coverage, the acceptance rate hit 80-85%, again beating the 78.9% worldwide benchmark.
Customer reviews on Trustpilot
Trustpilot hosts mixed feedback for InsureandGo. One senior customer, David, left a review noting: “Good online experience plus a good price for holiday travel for seniors with various medical history.” However, TripAdvisor forums contain complaints about the booking process, with users praising the coverage while flagging frustrations with the digital experience.
Coverage strengths and limits
The Black policy tops the range with unlimited medical expenses, £10,000 cancellation cover, £5,000 baggage protection, and £3 million personal liability. InsureandGo also covers over 100 sports and activities, dental treatment up to £1,000, and travel delay compensation of £650. The catch: the Budget policy explicitly excludes pre-existing conditions, making it unsuitable for anyone with a medical history.
For seniors with clean health records, the Budget policy offers value. For anyone with diabetes, heart conditions, or cancer history, the Black policy is the only sensible choice despite higher premiums.
Who owns InsureandGo travel insurance?
Company profile
InsureandGo operates under IES Limited and is registered in Gibraltar. The company has served over 27 million travellers across more than 25 years of operation, positioning itself as a volume player in the UK travel insurance market.
Administration details
All policies — Black, Gold, Silver, and Budget — are underwritten by Zurich Insurance Plc, a major European insurer that provides the financial backbone for claims payouts. Verisk handles the medical screening process during the online quote workflow, evaluating pre-existing conditions through standardized questionnaires.
Gibraltar registration combined with Zurich underwriting creates a multi-jurisdictional safety net: Gibraltar regulators oversee the insurer, while Zurich’s balance sheet backs the actual claims payments.
Which is better, Staysure or InsureandGo?
Both insurers specialize in covering older travellers and those with pre-existing medical conditions, but the comparison depends on your specific needs. InsureandGo scores 81% on Which? with no upper age limit, while Staysure targets similar demographics with its own senior-focused products. The key differentiator is the medical screening process and what conditions each insurer accepts at what severity levels.
Key differences
InsureandGo accepts travellers with conditions including cancer, COPD, diabetes, heart conditions, stroke, and epilepsy with no upper age cap. Both providers use third-party medical screening tools, but InsureandGo’s Verisk integration occurs at the quote stage, meaning you’ll know your premium before committing.
Pricing and coverage comparison
Which? identifies InsureandGo as reasonably priced among specialist providers for pre-existing conditions. Staysure often targets similar price points but may apply different loading charges for severe conditions. InsureandGo’s policy range from Budget (no pre-existing cover) to Black (full pre-existing cover) allows customers to self-select based on their medical profile without being steered by underwriting requirements.
Neither insurer covers pre-existing conditions automatically — you must declare them during medical screening. Failure to disclose a condition means zero coverage for related claims, regardless of how minor it seems.
What is the best travel insurance for seniors?
Options for over-65s
InsureandGo removes the upper age ceiling entirely, making it viable for travellers in their 70s, 80s, and beyond. The Which? endorsement specifically recommends InsureandGo as a specialist insurer for pre-existing medical conditions, citing reasonable pricing alongside comprehensive coverage. Common conditions covered include asthma, cancer, COPD, diabetes, disability, epilepsy, heart conditions, and high blood pressure.
Cheapest for seniors
Budget policies will always be cheapest, but only if you have no medical history to declare. For seniors with conditions, the Black policy represents the best value when you factor in what the coverage actually protects: unlimited medical emergencies abroad can cost tens of thousands without insurance. InsureandGo’s medical-only pricing advantage over non-specialist providers often makes the premium difference worthwhile.
Does travel insurance cover an ear infection?
Ear conditions and flying
Travellers with active ear infections should consult a doctor before flying, as can worsen conditions or cause complications. Travel insurance typically covers medical treatment for ear infections if they develop during a trip, but pre-trip conditions must be declared if you’ve had related issues. InsureandGo covers emergency medical expenses under its Black policy, which would include treatment for complications arising from an ear infection.
Pre-existing declarations
If you’ve had chronic ear conditions, mastoiditis, or recent ear surgery, these must be declared during the Verisk medical screening. Failure to disclose means the insurer can deny any related claims. The screening questions specifically ask about ear, nose, and throat conditions, so honest disclosure is essential for valid coverage.
Claims below your policy excess are not covered — factor this into whether filing a claim makes financial sense for minor ear infection treatment abroad.
What this means for travellers: the Black policy covers ear infection complications abroad, but only if you declare chronic ear conditions upfront. Skipping disclosure to save on premiums risks total denial of any related claims.
The comparison below shows how InsureandGo stacks up against typical market offerings across key coverage categories.
| Feature | InsureandGo Black | InsureandGo Budget | Typical competitor |
|---|---|---|---|
| Medical expenses | Unlimited | £2,000 | £5M cap |
| Pre-existing conditions | Covered | Excluded | Often excluded |
| Cancellation | £10,000 | £1,000 | £3,000 |
| Baggage | £5,000 | £1,500 | £2,000 |
| Age limit | None | None | Often 65-75 max |
| Which? score | 81% | Not separately rated | Varies |
The implication: InsureandGo Black delivers unlimited medical cover that most competitors cap at £5 million, while also accepting pre-existing conditions — a combination that justifies the premium for medically complex travellers.
Policy specifications comparison
Three providers, three coverage tiers: InsureandGo Black sits at the top with unlimited medical and full pre-existing cover, Budget strips out pre-existing conditions for lower premiums, and typical competitors cap medical expenses at £5 million while often excluding seniors outright. The policy comparison reveals InsureandGo’s positioning as a specialist targeting underserved demographics rather than competing on price alone.
The table below breaks down the Black policy’s benefit limits across ten categories, showing where the coverage excels and where sub-limits apply.
| Benefit | Black policy limit | Notes |
|---|---|---|
| Medical expenses | Unlimited | Worldwide cover with repatriation |
| Cancellation | £10,000 | Including illness of staying companion |
| Baggage | £5,000 | Single item limit applies |
| Personal liability | £3 million | Third-party injury/property damage |
| Dental treatment | £1,000 | Emergency dental only |
| Travel delay | £650 | Per delay incident |
| Missed departure | £1,500 | Transport connection failures |
| Natural disaster | Covered | Trip curtailment included |
| Personal belongings | £1,500 | Gadgets, valuables sub-limits |
| Winter sports | Optional add-on | Separate premium |
The catch: while the Black policy covers natural disasters and missed departures, it does not protect you if your holiday supplier or airline goes bankrupt — a gap that travellers booking package holidays should note.
Black policy specification details
Nine benefit categories, one consistent theme: the Black policy aims to replicate private health insurance for travellers while including trip disruption protections. The dental benefit at £1,000 addresses a common gap in basic policies, while the missed departure coverage at £1,500 catches transport connection failures that can derail travel plans.
Upsides
- No upper age limit — available to travellers in their 80s and beyond
- Pre-existing conditions covered (except Budget policy)
- Which? scores 81%, beating industry averages for claim acceptance
- All policies underwritten by Zurich Insurance Plc
- Over 100 sports and activities covered
- 24/7 emergency assistance worldwide
Downsides
- Budget policy excludes pre-existing conditions entirely
- Irish residents ineligible — UK residency required
- Bankruptcy of holiday supplier not covered in Black policy
- Claims below excess not reimbursed
- Online booking process receives mixed reviews
- Exact excess amounts not publicly disclosed
“Good online experience plus a good price for holiday travel for seniors with various medical history.”
— David, InsureandGo customer (via InsureandGo Seniors Page)
“InsureandGo is listed as a specialist in covering customers with pre-existing medical conditions.”
— Which? (Consumer Review Organization)
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Insure and Go faces stiff competition from Staysure in the UK, where Staysure customer reviews highlight over 500,000 travelers’ approval for medical coverage.
Frequently asked questions
Who has the cheapest travel insurance for seniors?
The cheapest option depends on your health status. If you have no pre-existing medical conditions, InsureandGo Budget policies offer competitive pricing. For seniors with medical histories, the Black policy costs more but covers conditions that would otherwise leave you unprotected. Always compare total cost — premium plus potential uncovered risk — rather than sticker price alone.
What is the best insurance for seniors over 70?
InsureandGo removes the age ceiling entirely, making it viable for travellers in their 70s, 80s, and beyond. The Which? endorsement as a specialist insurer for pre-existing conditions confirms its positioning for older demographics. Competitors often cap coverage at 65-75, leaving seniors over 75 with fewer options.
What ear conditions can you not fly with?
Active ear infections, recent ear surgery, mastoiditis, or perforated eardrums may prohibit flying without medical clearance. Airlines and travel insurers typically require declaration of chronic ear conditions. InsureandGo’s Black policy covers emergency medical treatment for complications that arise, but pre-trip conditions must be declared during screening for valid coverage.
What happens if I don’t declare pre-existing medical conditions?
Any claim related to an undeclared pre-existing condition will be denied. The insurer can void your policy entirely if non-disclosure is discovered, leaving you responsible for medical costs that could reach tens of thousands in severe cases. Honest disclosure during the Verisk medical screening is mandatory for valid coverage.
Who is the most trusted travel insurance company?
Trust ratings vary by source. InsureandGo scores 81% on Which?, which exceeds industry averages for claim acceptance (85-90% vs 82.2% for European annual policies in 2023). Trustpilot reviews show mixed customer experiences, with praise for pricing and coverage offset by complaints about the digital booking process.
Insure and go travel insurance phone number?
Contact details are available on the InsureandGo official website. For policy inquiries, claims initiation, and medical screening support, the website provides phone and digital contact options. Irish residents should note that InsureandGo is unavailable to non-UK residents.
Insure and go travel insurance quote process?
The online quote process begins at insureandgo.com, where you’ll enter trip details, destination, and duration. The Verisk medical screening questionnaire follows, asking about pre-existing conditions, medications, and recent treatments. Premium quotes reflect your declared health profile, with options to adjust coverage levels before purchase.
For Irish residents, the picture is straightforward: InsureandGo requires UK residency (at least 6 of the last 12 months) with trips starting and ending in the UK, making it unavailable for travellers based in Ireland. Those meeting UK residency requirements, however, get access to a specialist insurer that genuinely covers what older travellers and those with medical conditions need — at premiums that Which? considers reasonable for the coverage provided.









