- goodtogoinsurance.com is a trading name of Ancile Insurance Group Ltd, authorised and regulated by the Financial Conduct Authority under FRN 471641 (company number 05429313).
- Policies are underwritten by Red Sands Insurance Company (Europe) Ltd, registered in Gibraltar (registration number 87598) and regulated by the Gibraltar Financial Services Commission.
- There is no upper age limit, and the brand positions itself for travellers who struggle to find cover elsewhere because of age or medical history.
- Emergency medical cover is up to 10 million pounds across the Silver, Gold and Platinum tiers; cancellation cover ranges from 1,000 pounds on Silver up to flexible higher limits on Gold and Platinum.
What GoodToGo is
GoodToGo is the consumer brand operated at goodtogoinsurance.com, which is a trading name of Ancile Insurance Group Ltd. The company is registered in England with company number 05429313, with a registered office at 3rd Floor, 114a Cromwell Road, London SW7 4AG, and is authorised and regulated by the Financial Conduct Authority under firm reference number 471641. The brand describes itself as a specialist for individuals, couples and families who find it difficult to obtain cover elsewhere because of their age or medical history.
In practice that means the product is built around medical screening rather than priced primarily on a young, healthy traveller. The brand states it has no upper age limit and lists conditions including heart conditions, cancer, diabetes, arthritis, respiratory conditions and conditions where the applicant is on a waiting list for treatment as coverable, subject to screening. That focus shapes everything from the question set at quote stage to the way the tiers are structured.
Who underwrites the cover
The distributor and the underwriter are separate entities, and the distinction matters for claims and for compensation arrangements. Ancile Insurance Group Ltd arranges and administers the policy as the FCA-regulated intermediary. The insurance risk itself is carried by Red Sands Insurance Company (Europe) Ltd, registered in Gibraltar under registration number 87598. Red Sands is authorised and regulated by the Gibraltar Financial Services Commission and is subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority in respect of business underwritten in the UK.
The brand states that UK policyholders are covered by the Financial Services Compensation Scheme. A Gibraltar-based underwriter is common in the UK travel market and does not by itself change the consumer protections that apply, but it is worth confirming the current position on the policy documents at the point of purchase.
What policies GoodToGo offers
Cover is structured across three named tiers: Silver, Gold and Platinum. Each can be bought as single-trip or annual multi-trip, and travelling companions can be added to the same policy. The tiers differ mainly on cancellation limits, baggage and possessions cover, personal liability and the excess that applies to a claim, while the headline emergency medical limit is held at the same level across all three.
Cruise cover is available as a variant on the standard tiers, which aligns with the Foreign, Commonwealth and Development Office guidance that cruises generally require an additional level of cover. The brand also references an independent five-star product rating on its Platinum and Cruise Premium policies, a rating awarded for product features rather than price.
Pricing structure
GoodToGo does not publish a flat monthly price, and for a medically screened product that is expected: the premium is generated from the destination, trip length, traveller ages and the outcome of the medical screening, so two travellers with the same itinerary can be quoted very different figures. Because of that, a single advertised price would not be meaningful, and the brand presents pricing only through its quote engine.
The tier you choose then sets the excess and the cancellation ceiling. Silver carries a 100 pounds excess (150 pounds on the cruise variant), Gold a 75 pounds excess, and Platinum removes the standard excess entirely (with a 50 pounds excess on cruise). For travellers comparing cost, the interaction between premium, excess and cancellation limit is where the real difference between tiers appears, rather than in the emergency medical figure.
What is covered and excluded
Across the tiers, emergency medical expenses are covered up to 10 million pounds, which includes emergency repatriation and 24-hour assistance. Cancellation runs from 1,000 pounds on Silver up to higher flexible limits on Gold and Platinum. The brand also lists loss of medication cover of 300 pounds and mobility aids cover of 2,500 pounds, alongside personal liability of 2 million pounds and personal possessions cover on the Gold and Platinum tiers.
The most important exclusion mechanism on any medical-conditions policy is non-disclosure. The FCDO is explicit that failing to declare existing conditions, pending treatment or tests can invalidate a policy, so the value of the screening process is that a fully declared condition is then covered rather than disputed at claim stage. Standard travel exclusions also apply, and certain activities or higher-risk pursuits may need an add-on, so the policy wording and the Insurance Product Information Document should be read before purchase.
How GoodToGo compares
The case for a specialist screener is grounded in where claims actually fall. The Association of British Insurers reported that its members paid 472 million pounds across more than 500,000 travel claims in 2024, of which medical claims accounted for 262 million pounds, with an average medical claim of 1,528 pounds and one member paying over 1 million pounds for hospital treatment and repatriation from the USA. Medical claims rose to 34 percent of all claims, up from 29 percent in 2023.
Against that backdrop, GoodToGo competes less on price for the standard healthy traveller and more on its willingness to underwrite declared conditions and older travellers without an upper age cap. The 10 million pounds emergency medical limit sits comfortably above the largest typical claims, and the differentiator is the screening breadth rather than the headline numbers, which are broadly in line with other comprehensive UK travel products.
How to make a claim
For emergency medical situations abroad, the policy provides 24-hour assistance, and the practical step is to contact that assistance line before incurring major costs so that treatment and any repatriation can be authorised and coordinated. For cancellation, baggage and other non-emergency claims, the claim is submitted to the administrator with the supporting documentation set out in the policy wording, such as receipts, medical certificates or a police report where relevant.
As with any policy, claims are assessed against the cover limits and the excess for the tier purchased, and against the medical declaration made at the quote stage. Keeping a copy of the screening answers and the policy schedule makes a later claim easier to evidence.
Who GoodToGo might suit
GoodToGo is aimed at travellers who have found cover hard to arrange elsewhere: older travellers with no upper age limit, and people with declared pre-existing conditions including serious or ongoing diagnoses. For a young traveller in good health with no conditions to declare, a specialist screener is unlikely to be the cheapest route, and a standard policy may price more keenly. The product makes most sense where the medical declaration is the deciding factor and where a 10 million pounds medical limit and broad condition acceptance are the priority rather than the lowest possible premium.
If you find it difficult to get cover because of a pre-existing condition, the Money and Pensions Service operates a travel insurance directory of specialist providers via its MoneyHelper service. Visit the MoneyHelper travel insurance directory or call the Money Helper Customer Contact Centre on 0800 138 7777 (Monday to Friday, 8am to 6pm).
