InsuranceWith Travel Insurance Review 2026
UK specialist travel insurer - Complex pre-existing conditions - FCA registered - Telephone screening focus
Complex conditions
Up to £10m
79
Online + telephone
TL;DR: InsuranceWith Travel Insurance
InsuranceWith is a UK specialist travel insurer that specifically positions itself for pre-existing conditions other providers may find difficult to accommodate. Emergency medical cover up to £10 million. Individual screening with telephone assessment for complex cases as a primary feature. Age limit 79. Distributed directly. Positioned as a specialist alternative for travellers who have received adverse terms from mainstream specialist providers. No quotes here. No commission. Primary sources only.
InsuranceWith travel insurance operates in the UK specialist pre-existing conditions market with a specific focus on conditions that other providers find difficult to accommodate. This review examines the cover structure, the complex-case positioning, the screening approach and who the product is most appropriate for, drawing on FCA register data and ABI guidance.
What InsuranceWith Is
InsuranceWith is a UK travel insurance provider that focuses on pre-existing medical conditions, with a particular emphasis on accommodating profiles that generate adverse outcomes from other specialist providers. The FCA register confirms the regulatory authorisation of the entity operating under the InsuranceWith trading name. InsuranceWith is accessible through direct channels and positions itself as a specialist alternative for travellers who have been told by other insurers that their conditions cannot be covered at acceptable terms.
InsuranceWith competes with GoodToGo, Freedom Insure and iAmInsured in the complex-case end of the specialist pre-existing conditions market. The differences between these providers lie in underwriting backing, the specific conditions each handles most effectively, and the depth of telephone screening expertise applied to complex profiles. The Consumer Duty framework effective from July 2023 requires InsuranceWith to deliver fair value to retail customers, with particular attention to the vulnerable customer groups including those with health conditions that the specialist market specifically serves.
Cover Structure
InsuranceWith policies include emergency medical expenses, cancellation and curtailment, baggage and personal effects, personal liability, travel delay and missed departure as standard components. Emergency medical cover reaches up to £10 million on higher tiers, meeting the ABI's guidance for all international destinations. Single trip and annual multi-trip policies are available. Cruise cover is available as an extension adding cabin confinement, missed port departure and itinerary amendment cover. The 24-hour emergency medical assistance helpline is included across all tiers, coordinating overseas hospital admissions, direct billing and repatriation when medically necessary.
Complex Conditions: The Core Proposition
InsuranceWith's positioning for conditions other providers find difficult to accommodate is the defining characteristic of the brand. This implies a specific focus on condition types where automated online screening systems generate declines or prohibitive loadings: active cancer treatment, recent major cardiac events, complex psychiatric histories, organ involvement in systemic conditions, and multiple co-morbidities that in combination create a complex risk profile. Telephone screening for complex cases is central to the InsuranceWith model, shared with GoodToGo and Freedom Insure, and distinguishes the complex-case specialists from providers like Staysure and InsureandGo whose automated systems are optimised for the mainstream end of the specialist market.
The Consumer Insurance (Disclosure and Representations) Act 2012 applies in full to all InsuranceWith policyholders. Accurate and complete disclosure of all conditions, medications, recent hospital admissions and pending procedures is a legal requirement. For complex-condition travellers engaging with a specialist telephone screening model, the completeness and accuracy of information provided during the telephone call is the legal and practical foundation for valid cover. Travellers should request written confirmation of the terms agreed during any telephone screening call before paying the premium.
Age Limit of 79
InsuranceWith applies an age limit of 79. Travellers aged 80 and above require providers without published upper age limits including Staysure, JustTravelCover, Avanti, GoodToGo, Freedom Insure and AllClear. The age limit of 79 is a material eligibility constraint for the older end of the complex-condition demographic where the combination of advanced age and complex conditions is most common. Travellers approaching 79 with complex conditions should identify their next provider before reaching the age limit rather than waiting for a potentially more difficult transition to a different provider's screening system.
Who InsuranceWith Suits
InsuranceWith is most appropriate for travellers aged 79 and under with pre-existing conditions that have generated adverse outcomes from mainstream specialist providers. Travellers who have been declined or received prohibitive terms from Staysure, Avanti, InsureandGo or JustTravelCover's automated systems should assess InsuranceWith's telephone-based screening as a next step. Standard or common condition profiles that automated systems can readily handle are better served by the mainstream specialist providers that offer more competitive pricing for those standard profiles.
UK Regulatory Framework for Travel Insurance
All UK travel insurance policies sold to UK residents are regulated by the Financial Conduct Authority under the Insurance Conduct of Business sourcebook, known as ICOBS. ICOBS sets out requirements for product disclosure, fair treatment of customers and the handling of claims and complaints. Any insurer or distributor that breaches ICOBS is subject to FCA enforcement action including financial penalties, public censure and in serious cases prohibition from regulated activities.
The Consumer Duty, which came into force on 31 July 2023 under Policy Statement PS22/9, adds a cross-cutting standard requiring all FCA-regulated firms to deliver good outcomes for retail customers. For travel insurance specifically, the Consumer Duty places obligations on insurers to ensure that products are accessible and fair for customers with characteristics of vulnerability. Older travellers and those with pre-existing medical conditions are explicitly identified in the FCA's guidance as groups that face systematic disadvantage in the standard insurance market and that require particular consideration under the Consumer Duty framework. The four outcome areas of the Consumer Duty are products and services, price and value, consumer understanding, and consumer support. Each area has specific application to the specialist pre-existing conditions travel insurance market.
The Consumer Insurance (Disclosure and Representations) Act 2012 governs the disclosure obligations of all UK travel insurance policyholders. Under this Act, policyholders must take reasonable care not to make a misrepresentation when answering an insurer's screening questions. A deliberate or reckless misrepresentation entitles the insurer to avoid the policy in full and deny all claims regardless of whether the specific claim relates to the undisclosed condition. An inadvertent misrepresentation results in a proportionate remedy: if the insurer would not have written the policy at all, it may avoid but must return the premium; if it would have written at a higher premium, it may reduce the claim proportionately to reflect the premium difference.
The Financial Ombudsman Service is the statutory alternative dispute resolution body for all UK travel insurance complaints. The FOS can award compensation of up to £430,000 per complaint and its decisions are binding on all FCA-regulated firms. Travellers who disagree with any claim decision from any FCA-regulated travel insurer have the right to refer their complaint to the FOS free of charge after the insurer has had eight weeks to respond to the formal complaint. The FOS publishes biannual complaint data covering complaint volumes and uphold rates for named firms, providing an independent public benchmark of claims handling quality across the travel insurance market that is not dependent on provider marketing claims.
The Association of British Insurers publishes guidance on travel insurance best practice, including recommended minimum emergency medical cover limits. The ABI recommends a minimum of £2 million for European travel and at least £5 million for long-haul destinations. For travel to the United States specifically, where private hospital costs can frequently exceed £10,000 per day before surgical intervention or repatriation costs, the ABI guidance points to higher limits of £10 million or more for extended stays. The ABI also notes that cancellation underinsurance is one of the most common causes of partial claim settlements in the travel insurance market, and recommends that travellers ensure their cancellation cover is sufficient to cover the full prepaid cost of their trip including flights, accommodation and pre-booked excursions.
The Global Health Insurance Card, the GHIC, replaced the European Health Insurance Card for UK travellers after the Brexit transition period ended on 31 December 2020. The GHIC provides access to state healthcare in participating European Economic Area countries on the same terms as local residents. It does not cover private treatment, emergency repatriation, trip cancellation, baggage loss, personal liability or any other component of a comprehensive travel insurance policy. The FCA and ABI both advise UK travellers to carry both a valid GHIC and a comprehensive travel insurance policy when travelling in Europe. The two instruments are complementary rather than interchangeable, and holding a GHIC does not reduce the need for travel insurance in any European destination.
Related Guides
How to Compare Specialist Travel Insurance Quotes
When comparing specialist travel insurance quotes for pre-existing medical conditions, the declared condition outcome is the most important variable to establish before comparing premiums. A policy that covers the declared condition with a loading and a policy that covers it with a specific exclusion are not comparable on price alone: the exclusion policy provides no protection for the scenario the traveller is most concerned about, regardless of whether its headline premium is lower. Establishing the specific outcome for each declared condition, whether loading or exclusion, should be the first filter applied to any comparison.
The emergency medical cover limit is the second most important comparison variable for most travellers. The ABI minimum recommendation of £2 million for Europe and £5 million for long-haul destinations represents a floor rather than an adequate ceiling for travellers with serious pre-existing conditions who may require extended inpatient treatment, specialist intervention or medically supervised repatriation. For US-bound travellers in particular, the difference between a £5 million and a £15 million medical limit is material given that inpatient treatment costs in American hospitals can exceed £10,000 per day before specialist fees, surgical costs or repatriation are added.
Cancellation cover is the third key variable for pre-existing condition travellers. The cancellation limit should be sufficient to cover the full prepaid cost of the trip including flights booked directly and through third parties, accommodation prepayments, cruise deposits and any pre-booked tours or experiences. Under-insurance on cancellation is one of the most common causes of partial claim settlements and is often overlooked during the initial purchase decision when the focus is on the medical screening outcome.
The 24-hour emergency assistance helpline is not simply a feature to note but a service whose quality and geographic reach is material to the claim experience. Travellers should confirm before purchase that the assistance line operates around the clock in the destination time zone, that it has direct billing relationships with hospitals in the destination country, and that it has the medical repatriation capability relevant to the planned itinerary. These operational details are confirmed in the policy documentation and by telephoning the assistance line before departure to verify that the contact details are working and that the policy number and cover details are on file.
Primary sources: FCA Register - Financial Ombudsman Service - Association of British Insurers - FCA Consumer Duty PS22/9 - Consumer Insurance (Disclosure and Representations) Act 2012 - NHS (nhs.uk)
Frequently Asked Questions
What does InsuranceWith specialise in?
InsuranceWith specialises in travel insurance for pre-existing conditions that other providers in the specialist market may find difficult to accommodate, using telephone-first screening for complex profiles.
Is InsuranceWith regulated by the FCA?
The entity operating under the InsuranceWith trading name is authorised and regulated by the FCA. Status can be confirmed at register.fca.org.uk.
What is the age limit for InsuranceWith?
InsuranceWith applies an upper age limit of 79. Travellers aged 80 and above should consider Staysure, JustTravelCover, GoodToGo and Freedom Insure.
How does InsuranceWith compare to GoodToGo?
Both use telephone screening for complex pre-existing conditions. GoodToGo has no published upper age limit; InsuranceWith caps at 79. Travellers should assess both when mainstream specialist screening has generated adverse outcomes.
Does InsuranceWith cover cruise holidays?
Cruise cover is available as an add-on extension adding cabin confinement, missed port departure and itinerary amendment cover to the standard land-based policy.
