- Insurancewith is a trading name of Travel Insurance Facilities Plc, authorised and regulated by the FCA under FRN 306537.
- Policies are underwritten by Astrenska Insurance Limited, trading as Collinson Insurance, FCA and PRA authorised under FRN 202846, with effect from 17 January 2022.
- The brand states it covers over 11,000 medical conditions, with a stated focus on cancer and other serious diagnoses.
- Cancellation cover is advertised up to 5,000 pounds, and there is no upper age limit on single trip policies depending on destination and trip length.
- Sales are made on a non-advised basis, meaning the customer selects the cover without a personal recommendation.
What Insurancewith is
Insurancewith is a UK travel insurance brand that positions itself around travellers with pre-existing medical conditions, and in particular those who have been diagnosed with cancer. It is a trading name of Travel Insurance Facilities Plc, the same company that operates under the tifgroup banner. The firm is registered in England under company number 3220410, with a registered office at Suite 12, 20 Churchill Square, Kings Hill, West Malling, Kent, ME19 4YU.
Travel Insurance Facilities Plc is authorised and regulated by the Financial Conduct Authority under reference number 306537. That FRN can be checked on the Financial Services Register. The brand describes its sales as being made on a non-advised basis, which means the company provides product information but does not give a personal recommendation about which policy suits an individual.
Who underwrites the cover
The distributor and the insurer are two separate entities, and the distinction matters when a claim is assessed. Insurancewith sells and administers the policies, while the insurance risk itself sits with the underwriter. According to the brand's own insurer page, current policies are underwritten by Astrenska Insurance Limited, which trades as Collinson Insurance. Astrenska is authorised by the Prudential Regulation Authority and regulated by both the FCA and the PRA under reference number 202846.
The brand's published history shows the underwriter has changed several times. Earlier policies were placed with other insurers, including Ageas Insurance Limited and AmTrust Europe Limited, before the move to Astrenska took effect on 17 January 2022. Anyone holding an older policy should check their own documents, because the insurer named on a live certificate is the one that governs that contract.
What policies Insurancewith offers
The product range follows the standard shape of the UK travel insurance market rather than a single bespoke structure. The brand lists single trip cover, annual multi-trip cover, winter sports cover, a cruise extension, and UK-only travel cover. Coronavirus-related cover is referenced as part of the proposition.
The defining feature is medical screening breadth. The brand states it can consider over 11,000 medical conditions, and its marketing names specific cancer types alongside heart and circulatory conditions, mental health conditions such as anxiety and depression, neurological conditions including epilepsy and dementia, and respiratory conditions. The full list of what any individual is offered, and at what price, depends on the answers given during the medical declaration.
Pricing structure
Insurancewith does not publish flat premiums, which is normal for a medically screened product. The price for each traveller is built from the destination, the trip length, the age of the traveller, and the outcome of the medical declaration. Because premiums are individually screened, two travellers of the same age can pay very different amounts depending on their declared conditions.
The brand advertises an online discount of 15 percent for buying through its website rather than by phone. A figure of this kind is a promotional discount against the brand's own quoted price, not a saving against the wider market, so it is most useful as a reason to complete the quote online rather than as a comparison point.
What is covered and excluded
The brand advertises cancellation cover up to 5,000 pounds and a 24 hour emergency medical assistance team. As with any travel policy, the binding detail sits in the Insurance Product Information Document and the full policy wording rather than in the marketing copy, and those documents set out the emergency medical limit, the baggage and personal money limits, the excess, and the exclusions that apply.
The FCDO is explicit that travellers should declare existing conditions and any pending treatment, because failing to declare can invalidate a policy. That is the single most important point for a medically screened product. The medical declaration is the part of the application that determines whether a future claim is paid, so accuracy at the quote stage is what protects the cover later. The FCDO also notes that some activities and cruises typically need an add-on or a specialist level of cover, which is consistent with Insurancewith offering winter sports and cruise cover as separate elements.
How Insurancewith compares
Within the UK market, the relevant comparison is against other medical specialists rather than against general travel insurers. Staysure, for example, is a trading name of TICORP Limited (FRN 663617) and states cover for more than 1,300 medical conditions with no upper age limit and cancellation up to 15,000 pounds. Insurancewith advertises a far larger headline figure of over 11,000 conditions but a lower headline cancellation limit of 5,000 pounds.
The headline number of conditions is a marketing metric, not a measure of how generously any one condition is covered, so it should be read alongside the actual cover limits and the screening outcome. The wider context is that medical claims are the costliest part of UK travel insurance. The Association of British Insurers reported that members paid 262 million pounds in travel medical claims during 2024, with the average medical claim at 1,528 pounds, and one member paying over 1 million pounds for a single hospitalisation and repatriation in the USA. Those figures explain why a specialist that screens conditions in detail exists in the first place.
How to make a claim
Claims and emergencies are handled through Insurancewith's published contact lines rather than directly with the underwriter. The brand lists a claims contact number of 0333 005 1068 and references a 24 hour emergency assistance service for medical situations abroad. A claimant should have the policy number, the medical declaration as accepted, and any treatment or receipts to hand, because the assessment of a medical claim is checked against what was declared when the policy was bought.
Who Insurancewith might suit
The proposition is aimed squarely at travellers who have a pre-existing condition, especially a cancer diagnosis, who may have been declined or heavily loaded by a general insurer. For a traveller with no medical conditions to declare, a specialist screening product offers little advantage over a standard policy, and the headline condition count is not relevant. For a traveller managing a serious or recent diagnosis, the value is in whether the condition can be accepted at all and at what limit, which only the individual quote and the policy wording can answer.
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).
