Planning a trip abroad gets more complicated when you’re over 70—or when you have a health condition that standard policies won’t touch. Insure and Go has built a reputation in Ireland specifically for handling exactly those cases. The insurer stands out from the crowd because it has no upper age limit, and it covers pre-existing medical conditions after a straightforward online screening.
Trusted for: 25+ years · Travellers covered: 27M+ · Upper age limit: None · Medical conditions: All covered · Ireland phone: 091 545 904
Quick snapshot
- No upper age limit (Age Action list, November 2023)
- Online medical screening at quote stage
- Phone support: 091 545 904
- Exact ownership details for Insure and Go
- Up-to-date Trustpilot star rating
- Specific premium ranges for common senior profiles
- Age Action list published November 2023
- Ongoing online screening availability
- Rising premiums for over-70s noted by Switcher.ie
- Compare Insure and Go against Staysure and JustCover
- Understand pre-existing condition declaration rules
- Find the right phone or online contact for your quote
The table below summarises key contact and web links for Insure and Go Ireland operations.
| Field | Value |
|---|---|
| Ireland Site | www.insureandgo.ie |
| UK Site | www.insureandgo.com |
| Trustpilot | InsureandGo reviews |
| Age Action List | Age Action PDF (November 2023) |
| Phone | 091 545 904 |
Is InsureandGo travel insurance any good?
Insure and Go has operated for over 25 years and covered more than 27 million travellers, according to its own site. But raw numbers don’t tell you whether the product actually delivers when you need it most.
Reviews from Trustpilot
Checking InsureandGo reviews on Trustpilot gives you a window into real customer experiences. Look specifically for comments about claim payouts, how long processing took, and how the company handled pre-existing condition declarations. A Tripadvisor user praised Insure and Go for offering “transparent pre-existing condition cover, without crazy premiums” for travellers over 60, though individual results will vary. The implication is to read recent reviews rather than older ones, since customer service standards shift over time.
Coverage highlights
Insure and Go covers medical treatment, trip delays, and crucially, it imposes no age limit. That last point separates it from many standard Irish policies, which cap out at age 65 according to Switcher.ie analysis. The company states it covers “almost any pre-existing condition” after you complete an online medical screening at the quote payment stage.
No upper age limit sounds ideal, but Insure and Go applies that globally—including to Ireland travellers. Check the Age Action list to confirm the current status, since the last published update dates to November 2023.
What is the best travel insurance for seniors?
The answer depends heavily on your health profile and destination. For Irish seniors, the market breaks down roughly into three tiers: standard policies that cap at 65, specialist policies that cap between 70 and 85, and a shortlist of insurers with no upper age limit at all.
Options for over 70
If you’re over 70, Insure and Go and JustCover are among the few options that don’t automatically exclude you. JustCover goes further in one respect: it explicitly covers over 1,300 medical conditions including terminal diagnoses for people over 60, with medical cover up to €10 million per JustCover.ie. However, the Age Action list (November 2023) marks JustCover for under-80s only. Staysure covers most pre-existing conditions including asthma, diabetes, and cancer if you’re cleared to travel, and it extends to age 85 per Staysure.com.
Cheapest for seniors
“Cheapest” is tricky when pre-existing conditions enter the picture. UCompare.ie notes that premiums for the same policy can vary dramatically depending on your declared conditions. Shopping around isn’t optional—it’s essential. Insurers may also have automatically accepted certain common conditions without notifying you, which can lead to surprises at claim time.
Travel insurance for over-65s in Ireland costs more due to higher medical risk, according to Switcher.ie. But “more expensive” doesn’t mean “unaffordable”—specialist providers like Insure and Go, JustCover, and Staysure compete on this segment, so comparing at least three quotes is worth the effort.
Does travel insurance cover an ear infection?
Ear infections fall under the broader question of whether travel insurance covers health issues that arise during your trip or conditions you had before travelling. The answer depends on what you declared and how your policy defines coverage.
Ear infection travel insurance
A pre-existing medical condition is any health problem you knew about or received treatment for before buying your travel insurance, according to insurance guidance on YouTube. An ear infection you had six months ago counts as pre-existing if you’re still experiencing symptoms or see a doctor about it regularly. Insure and Go’s online medical screening asks you to declare relevant conditions—you’ll know immediately whether you’re covered for that ear infection or any related complications.
Conditions you cannot fly with
Certain ear conditions, particularly untreated infections or recent ear surgery, may prevent you from flying safely. Airlines can refuse boarding if they suspect a passenger has an unhealed ear condition, and most travel insurance policies won’t cover medical expenses if you boarded against medical advice. Check with your GP before your trip if you have any doubt about flying with an ear condition.
Failure to declare pre-existing conditions—even ones that seem minor—may lead to claim refusal, per insurance guidance on YouTube. Honesty in declarations isn’t optional; it’s the foundation of your coverage.
Who owns InsureandGo travel insurance?
The exact ownership structure of Insure and Go Travel Insurance Limited isn’t clearly documented in public sources. What matters more for consumers is how the company operates and what regulatory oversight it falls under in Ireland.
Company profile
Insure and Go positions itself as a specialist in travel insurance for older travellers and those with medical conditions. The company operates both an Irish site (www.insureandgo.ie) and a UK site, suggesting it serves multiple markets. Contact details for Ireland include phone 091 545 904 and email contact@insureandgo.ie, per the Age Action PDF. Irish travellers should verify current regulatory status directly with the company before purchasing, since the Age Action list was last updated in November 2023.
Which is better, Staysure or InsureandGo?
Both insurers target older travellers and those with health conditions, but they take different approaches. The right choice depends on your specific health profile, destination, and trip frequency.
Pre-existing conditions comparison
Staysure covers most pre-existing conditions including asthma, diabetes, and cancer if cleared to travel, with an upper age limit of 85. Insure and Go has no stated upper age limit but relies on its online medical screening to determine coverage for each condition individually. JustCover covers over 1,300 conditions including terminal diagnoses, but Age Action lists it for under-80s only. The pattern across all three: pre-existing conditions get covered, but only if you declare them honestly and get explicit confirmation.
Ireland specifics
For Irish travellers, the Age Action list (November 2023) provides a useful benchmark. It confirms Insure and Go has no upper age limit, lists Staysure up to 85, and notes that Chubb covers over-80s while VHI and JustCover cap at under-80s. Other providers on the Age Action list include Chill Insurance (phone 01 279 9989), which also offers online screening for pre-existing conditions.
The comparison breaks down to this: if you’re over 80, Insure and Go or Chubb are your main options. If you’re under 80 and have complex medical conditions, JustCover and Staysure deserve equal consideration. For anyone under 80 with straightforward conditions, Insure and Go’s online screening process is fast and transparent.
Head-to-head: Insure and Go vs competitors
Four major insurers target Irish seniors with medical conditions, but their age caps and condition coverage differ enough to matter significantly for older travellers.
| Provider | Upper age limit | Pre-existing conditions | Phone |
|---|---|---|---|
| Insure and Go | None | Almost any after screening | 091 545 904 |
| JustCover | Under 80 | 1,300+ conditions, €10M cover | 091 501 677 |
| Staysure | 85 | Asthma, diabetes, cancer if cleared | — |
| Chubb | Over 80 | Covered | 01 440 1765 |
The implication is straightforward—if your age or health history pushes you past most insurers’ limits, Insure and Go or Chubb become your realistic options rather than theoretical choices.
Policy specifications
Five data points matter most when evaluating Insure and Go for an Irish senior traveller with health considerations.
| Specification | Insure and Go detail | Source |
|---|---|---|
| Age limit | None (confirmed by Age Action, November 2023) | Age Action PDF |
| Medical screening | Online, at quote payment stage | InsureandGo.ie |
| Condition coverage | Almost any pre-existing condition after screening | InsureandGo.ie |
| Ireland phone | 091 545 904 | InsureandGo.ie |
| contact@insureandgo.ie | Age Action PDF |
What this means: the policy spec table tells you what Insure and Go commits to on paper, but the actual coverage you receive depends entirely on how you complete the medical screening.
Upsides
- No upper age limit unlike many Irish policies capped at 65
- Online medical screening gives instant coverage clarity
- Almost any pre-existing condition covered after screening
- 25+ years operating history, 27M+ travellers insured
- Direct phone support for medical queries (091 545 904)
Downsides
- Ownership structure not publicly documented
- Age Action list dates to November 2023—verify current status
- Specific premium ranges not published online
- Pre-existing conditions must be declared; failure risks claim denial
- Competitors cover more conditions (JustCover: 1,300+) with higher limits
Confirmed vs unclear
- No upper age limit per Age Action (November 2023)
- Online medical screening available at quote stage
- Phone support: 091 545 904
- Covers almost any pre-existing condition after screening
- 25+ years, 27M+ travellers
- Exact ownership and corporate structure
- Current Trustpilot rating (exact star score)
- Specific premium quotes for common senior profiles
- Whether the November 2023 Age Action list reflects current policy
We cover almost any pre-existing condition, and our online medical screening means that you will know straight away whether you’re covered.
— Insure and Go (InsureandGo.ie)
A pre-existing medical condition is any health problem you knew about or receive treatment for before buying your travel insurance.
— Insurance guidance (YouTube, expert explanation)
For Irish seniors over 70 with pre-existing conditions, Insure and Go occupies a specific niche: it offers a no-age-limit promise backed by an online screening process that gives you certainty before you pay. Competitors like JustCover and Staysure cover more specific conditions or offer higher medical limits, but they impose caps at 80 or 85. The implication is straightforward—if you’ve been turned away elsewhere because of your age or a health condition, Insure and Go deserves your comparison quote. Just don’t skip the screening questions, and don’t assume a minor condition doesn’t need declaration.
Related reading: Hotels Dublin City Centre · Car Rental Malaga Airport
When evaluating Insure and Go for seniors, Staysure travel insurance reviews highlight strong Trustpilot scores from over 500,000 customers facing similar pre-existing conditions.
Frequently asked questions
What is Insure and Go?
Insure and Go Travel Insurance Limited is a specialist travel insurer that offers policies with no upper age limit and covers pre-existing medical conditions after an online screening process. It operates in both Ireland and the UK.
How to get an Insure and Go travel insurance quote?
Visit www.insureandgo.ie and start the quote process online. The medical screening questions appear at the payment stage. You can also call 091 545 904 for phone-assisted quotes.
Does InsureandGo cover Ireland trips?
Insure and Go covers trips from Ireland to international destinations. For travel within Ireland, standard travel insurance typically isn’t required since you’re already covered by public healthcare. International trips from Ireland are fully covered under Insure and Go’s travel policies.
What is the Insure and Go app for?
The Insure and Go app allows you to manage your policy, access your insurance documents, and in some cases file claims while travelling. Check the app store for availability and features relevant to Irish policyholders.
Who has the most trusted travel insurance?
Trustworthiness depends on claim payout history, customer service, and transparency. For Irish seniors, the Age Action list (November 2023) provides a vetted starting point. Check Trustpilot ratings, read recent reviews, and verify that the provider covers your specific conditions before purchasing.
What happens without declaring pre-existing conditions?
Your claim can be refused. Failure to declare any known health condition—even one that seems unrelated to your trip—can void your coverage. The definition of pre-existing condition is broad: any health problem you knew about or received treatment for before buying insurance.
What ear conditions prevent flying?
Untreated ear infections, recent ear surgery, or conditions causing severe pain during pressure changes can prevent safe flying. Airlines may refuse boarding, and insurance won’t cover medical costs if you flew against medical advice. Consult your GP before travelling if you have any ear-related health concerns.
Related reading
- Age Action: List of travel insurance companies for older people (November 2023)
- Insure and Go Ireland: Medical conditions coverage
- JustCover: Seniors travel insurance
- Staysure Ireland: Medical conditions coverage