InsureandGo
Part of ETI International Travel Protection (Collinson Group) · FCA registered · 700+ conditions considered
Up to £15m
Up to £10,000
700+
79
TL;DR: InsureandGo Travel Insurance
InsureandGo is one of the UK's longest-established specialist travel insurers for pre-existing medical conditions, covering over 700 conditions. Part of the Collinson Group's ETI International Travel Protection, it offers Silver, Gold and Black tiers with emergency medical cover up to £15 million and cancellation up to £10,000. Age limit is 79. No quotes routed here. No commission. Primary sources only.
InsureandGo travel insurance is one of the most recognisable names in the UK pre-existing medical conditions travel insurance market. Operating since 1998 under the Collinson Group umbrella, the brand competes directly with Staysure, Avanti, GoodToGo and JustTravelCover for travellers whose health history makes standard comparison-site policies inadequate. This review draws on FCA register data, Financial Ombudsman Service statistics and ABI published guidance.
What InsureandGo Is
InsureandGo is a specialist UK travel insurer with over two decades of operation in the pre-existing conditions segment. The brand is part of ETI International Travel Protection, which sits within the wider Collinson Group. Collinson is a global assistance, insurance and loyalty business that also operates Collinson Insurance Solutions and Priority Pass among other brands.
The FCA register confirms the authorisation status of the entities associated with InsureandGo's UK distribution and underwriting. The business is distributed primarily through direct channels, reflecting the specialist nature of the product and the individual risk assessment model that underpins it.
InsureandGo's stated coverage of over 700 medical conditions is one of the widest published condition lists in the UK specialist travel insurance market. This claim positions the brand as a broad-access option for travellers with conditions that may be declined by providers with narrower acceptance criteria.
Cover Tiers: Silver, Gold and Black
InsureandGo offers three cover tiers: Silver, Gold and Black. Emergency medical cover ranges from £5 million on Silver to £15 million on Black. The ABI recommends a minimum of £5 million for long-haul travel and £2 million for European travel. All three InsureandGo tiers satisfy the European minimum; only Gold and Black satisfy the long-haul recommendation without further consideration.
Cancellation and curtailment cover ranges from £3,000 on Silver to £10,000 on Black. Travellers with bookings that exceed £3,000 in total value should consider Gold or Black tier to avoid underinsurance on cancellation. Package holidays to the United States, Caribbean or Far East frequently exceed the Silver cancellation limit.
Baggage cover, personal liability and legal expenses increase across the tier structure. The Black tier includes the highest personal liability limit, which is relevant for travellers planning activity-based trips where third-party injury or property damage risk is elevated. Travel delay benefit and missed departure cover are included across all tiers.
A 24-hour emergency medical assistance line is included across all tiers, operated through Collinson's global assistance infrastructure. The assistance network manages direct billing arrangements with overseas hospitals, medical repatriation coordination and emergency travel document replacement.
Annual and Single Trip Options
Both single trip and annual multi-trip policies are available. Single trip policies are appropriate for individual journeys and can cover longer trip durations than the per-trip limits applied under annual policies. Annual multi-trip policies include a maximum per-trip duration, typically 31 or 45 days per journey, which covers the majority of standard holiday patterns for the target demographic.
The annual policy is cost-effective for travellers who make two or more international trips per year. A single pre-existing condition loading applied once under an annual policy is often cheaper than two separate single trip loadings. The precise economics depend on the conditions declared and the destinations planned.
Cruise cover is available as an add-on extension. This extends the base policy to include cabin confinement benefit, missed port departure cover, and itinerary amendment cover caused by circumstances outside the traveller's control. Standard land-based travel insurance policies do not cover these cruise-specific risks.
Pre-Existing Medical Conditions
InsureandGo's medical screening uses an online declaration system that steps through declared conditions, asking structured questions about diagnosis date, current treatment, medication changes and recent hospital admissions or investigations. For conditions outside the automated system's assessment capability, telephone screening is available with trained advisers.
The 700-plus condition list is a published access point rather than an automatic acceptance guarantee. The specific terms for any individual condition depend on the screening outcome: conditions may be covered with a premium loading, covered with a specific exclusion relating to that condition only, or in some cases declined. Travellers should complete the screening process to obtain their individual terms before making a purchasing decision.
The Consumer Insurance (Disclosure and Representations) Act 2012 places a duty on the policyholder to take reasonable care not to make a misrepresentation when answering the insurer's screening questions. A failure to disclose a material condition can result in a reduced claim payment or policy avoidance. Full and accurate disclosure at the screening stage is the most important step in securing valid cover.
The FCA's Consumer Duty requirements that came into force on 31 July 2023 add obligations for insurers to demonstrate that products provide fair value to customers with characteristics of vulnerability. The FCA has specifically identified older travellers and those with health conditions as groups that require consideration under this framework.
Claims Handling and FOS Data
The Financial Ombudsman Service publishes biannual complaint data for FCA-regulated insurance entities. Collinson Insurance, the regulated entity associated with InsureandGo's UK book, appears in FOS published data. Complaint volumes and uphold rates at Collinson have historically been broadly comparable with the specialist segment average, though any specific period's data should be checked directly from the FOS website at financial-ombudsman.org.uk for current accuracy.
The most common travel insurance complaint categories reported by the FOS across the sector are claim settlement disputes, pre-existing condition exclusion disagreements, and delays in emergency assistance response. For pre-existing condition travellers specifically, the most contested area is whether a medical event during the trip was related to a declared and covered condition, or to an undisclosed condition, or to a declared but excluded condition. Clarity at the screening stage reduces but does not eliminate this risk.
Travellers who disagree with a claim decision have the right to submit a formal complaint to InsureandGo and, if not resolved within eight weeks or if dissatisfied with the response, to refer the complaint to the Financial Ombudsman Service free of charge.
Price Positioning
InsureandGo is not a budget travel insurance option. Specialist pre-existing condition coverage carries a premium loading above standard market rates that reflects actuarial risk rather than commercial margin. The ABI's published guidance on travel insurance costs indicates that premiums for older travellers with health conditions can be significantly higher than standard rates, and notes that this is the appropriate reflection of risk rather than unfair pricing.
InsureandGo is not widely available through mainstream price comparison platforms because individual condition loadings cannot be accurately standardised for aggregator outputs. Purchasing is through the InsureandGo website directly or by telephone.
How InsureandGo Compares in the Specialist Market
Against the key specialist competitors, InsureandGo's main advantages are the breadth of the 700-plus condition list, the three-tier structure that provides flexibility across cover levels, and the Collinson Group's established global assistance infrastructure. The age limit of 79 is a constraint relative to Staysure, JustTravelCover and Freedom Insure, all of which accept travellers above that age. For travellers aged 80 and above, alternative providers should be assessed.
Who InsureandGo Travel Insurance Suits
InsureandGo travel insurance is most relevant for travellers aged up to 79 with one or more pre-existing conditions who require individual medical assessment and broad condition acceptance. It suits travellers with multiple co-morbidities who need a provider with demonstrated capacity to handle complex screening. Travellers aged 80 and above, or those seeking adventure and activity cover rather than medical condition cover, should assess alternative specialist providers.
Related Guides
Primary sources: FCA Register (fca.org.uk) · Financial Ombudsman Service (financial-ombudsman.org.uk) · Association of British Insurers (abi.org.uk) · Consumer Insurance (Disclosure and Representations) Act 2012 · FCA Consumer Duty PS22/9
Frequently Asked Questions
What is the age limit for InsureandGo travel insurance?
InsureandGo sets an upper age limit of 79 for new policies. Travellers aged 80 and above should consider specialist providers with no published upper age limit, including Staysure, JustTravelCover and Freedom Insure, all of which use individual screening rather than age-based automatic decline.
How many conditions does InsureandGo cover?
InsureandGo publishes a list of over 700 medical conditions it can consider for cover. This is one of the widest stated condition lists in the UK specialist travel insurance market. The specific terms, exclusions and premium loadings for any individual condition depend on the outcome of the medical screening process at the point of application rather than being guaranteed by the list itself.
What are the three cover tiers at InsureandGo?
InsureandGo offers Silver, Gold and Black cover tiers. Emergency medical cover ranges from £5 million on Silver to £15 million on Black. Cancellation cover ranges from £3,000 on Silver to £10,000 on Black. Baggage, personal liability and other benefit limits increase progressively across the three tiers.
Who underwrites InsureandGo?
InsureandGo is part of ETI International Travel Protection, which operates within the Collinson Group. The underwriting entity and its FCA authorisation details are confirmed in the policy documentation and can be verified on the FCA register at register.fca.org.uk.
Does InsureandGo cover cruise holidays?
Cruise cover is available as an add-on extension to InsureandGo policies. The cruise extension adds cabin confinement benefit, missed port departure cover and itinerary amendment cover to the base policy. These are cruise-specific risks that standard land-based travel insurance does not cover.
How do travellers complain about InsureandGo?
Complaints should first be submitted formally to InsureandGo through its internal complaints process. If not resolved within eight weeks or if the response is unsatisfactory, the complaint can be referred to the Financial Ombudsman Service free of charge. The FOS can be contacted at financial-ombudsman.org.uk or by telephone.
