Pathetic. Avoid them like the plague. After a medical problem on a cruise they delayed everything and their claim forms only considered airport problems and they could offer no assistance with completing the forms. After 8 months of sending them more and more documents, they decided that it wasnt covered under the policy because the ship had returned to england ( without us ) on its due date!!!! Customer service is a bunch of liars and nothing is ever confirmed in writing, their customer complaints department is worse than useless. Despite the policy holder dieing whilst still in hospital abroad, they insist that only the policy holder can raise a complaint. Its disgusting.

Posted by Steve on the 19th January 2012

Informed them that I wouldn't be renewing this year because they weren't competitive at all on a like for like basis with many other insurers. They still renewed my policy and took the money from my account. They denied that they had any record of me cancelling (so calling me a liar). Luckily I noticed within 14 days so have cancelled but still have to wait 7-10 days for a full refund. Not good enough.

Posted by Lee Hodge on the 19th January 2012

I used Insure & Go after it was suggested by a friend, I would never ever use them again. They refused to pay a medical bill for treatment my daughter received whilst abroad even though they gave the doctor the go ahead to do so this was in April 2010. In the end I contacted an Ombudsman who agreed that Insure & Go should pay. I have received an email from them saying they are very busy and that it may be some time before they can deal with it.

Posted by Barbara on the 26th December 2011

I agree with the critical comments about Insure and Go stated below. I submitted a claim in September (my first ever travel insurance claim in over 30 years) but apart from an written acknowledgement I have heard nothing further. I sent a fax requesting an update about one week ago but have received no response. Phoning is hopeless as you do not get through to anyone for ages.

Posted by Graham Reid on the 29th November 2011

I can only agree with the majority of the reviews, I would steer clear of this company.

I took out their policy and had been a member for a couple of years. I needed to claim back in March as I needed medical treatment whilst abroad. Thats where the problems have started.

I had to send my claim details twice because they could not obtain the originals.
I have chased them repeatedly and whilst they say they're actioning it, no one can give me confirmation that they've dealt with the claim.
I've now received numerous collections letters from the medical group as several months on Insure and Go have not contacted the medical group to begin processing the claim.
I raised a formal complaint 2.5 months ago with their complaints team and still not solved.

I am now on the verge of complaining to the financial ombudsman. The experience has been very uspesting, I worry that I am now blacklisted by the medical group and have my credit file impacted by arrears because this travel insurance company are not operating as they should be.

Oh and to add to the above. I had also incured unecessary high costs when phoning my claim from abroad. The person dealing with the claim spoke very bad english and it took several calls and passing across to a supervisor to be able to take my details down. Also to finalise I was called Mrs in some of their correspondence when it must be quite clear on their system that I am male.

Posted by glenn on the 21st November 2011

Please do not use this company. I have had a annual multi trip policy on auto renewal for over five years. Sadly while on a trip my car was broken into and items were stolen. When I called to claim I was instantly told no and pressed to speak to a senior advisor who went through each of my claim items to find a reason why they would not be covered. Disgusted and left with a large cost to replace my items. If I could give no stars I would.

Posted by David W on the 16th November 2011

I had an enlarged heart caused by diabetes while traveling in SE Asia. The result was a constant BPM of over 150 and near heart failure.While initially i had to leave my credit card details to leave the hospital while insure & go investigated,this was worrying as they checked with all different parties for confirmation of my health.Actually what transoired was that I hd flown back to the UK for a family death for 1 month then flew back out, be aware under normal circumstances this woulod make the 1 year insurance invalid (smallish print). How ever this time Insure & go decided to provide support and paid the initial bill for 3,500 gbp for 3 days including treatment! i see a lot of negative on these reviews but maybe I was lucky! Although I still need to claim for the post hospital drugs - fingers crossed.

Posted by Mark Knowles on the 24th October 2011

Don't use this company they will try and wriggle out of paying up. Poor customer Service, do not wait on them ringing you back. I am sorry I used them.

Posted by Jim Andrews on the 21st October 2011

I completely agree with Raquel Manning's comments below. My husband suffered a serious injury whilst abroad and Insure and go did absolutely nothing. All they did was cause further stress. I urge you to use another company. I highly recommend The Post Office that I used some time ago - they paid out within a week (I wish I had used them this time). Insure and go are still debating my claim put in two months ago. They lose documents, claim they have'nt received papers when they were sent recorded delivery. Jokers!! and thats being polite.........

Posted by T Taylor on the 24th September 2011

NEVER NEVER use this company for insurance. I ordered worldwide insurance through insure and go for 2 trips to USA. My policy arrived and they had only provided me with European cover. When i rung and informed them they said i would have to pay to upgrade to Worldwide. I said i wouldnt as it was their fault, they even listened to the call and admitted fault but still would not honour the original price. Then I found the same cover cheaper on their website and they would not match that either, they would rather lose me as a customer than try to help with with something that they were at fault for. Avoid at all cost unless you want to spend hours on the phone getting nowhere.

Posted by Andrew Price on the 20th September 2011

I would never advise anyone to insure with them, go with someone far more reputable, after suffering a accident abroad 2 days into my holiday they left me high and dry and caused untold amount of stress. I was in excruciating pain and unable to walk in a wheelchair with a fractured shoulder, insure and go say I am not entitled to claim anything and will not even refund my 14.95 subscription as clearly my policy did not cover me at all even though it was the silver package.... Please do not insure with insure and go.

Posted by Raquel Manning on the 13th September 2011

Awful. Just posting this now as am seeing their 'We're #1 adverts everywhere'.

My wife was diagnosed with advanced lung cancer Summer 2009. Had to fight them tooth and nail to get full refund (less excesses) on flights we had to cancel while she began chemo treatment.

They tried to suggest I knew she had lung cancer, while I booked holiday flights. Amazing!

Please don't use them. If you have to claim you may regret it.

Posted by David Finch on the 27th August 2011

Very helpful in sorting out a problem to my satisfaction. My error entirely however a full refund issued. Many thanks. CRC

Posted by Mr C R Cross on the 9th August 2011

I used this company for travel to Canada and America, so I had to pay quite a lot for the insurance. Whilst staying Canada I needed to visit the doctors costing me around £30. I contacted the company and they never replied. When I returned home I read in the terms that I only had a certain amount of time to claim, which had passed.

If it was a larger sum of money I would've pursued this but I am thankful that it was so small.

It's annoying that you must have travel insurance but when you get companies that don't both assisting you, just take your money and that's it, it is just taking the mick.

Out of choice I wouldn't rate one star, but since I have to put it then that is what it is receiving.

Posted by Sara on the 8th August 2011

Insure and Go are not worth your business. Dont even bother with a quote, go to a proper company who at least give the impression they care about their customers. We booked with Insure and Go and they are refusing to pay out for our return flight which was cancelled by the airline because the airplane didnt turn up. Hardly our fault but apparently not covered. Insure and Go somewhere else and spread the word, they are crap. I have given them 1 star simply beause I could not add this warning without giving them something - they dont deserve it.

Posted by Maureen Freeman on the 22nd July 2011

After my Fiance fell ill in the Republic of Georgia due to the appalling service provided by Insure and Go i spent £560 on phone calls to the company and at one point they were closed for the weekend.

They provided insurance and a translator for Georgia and then demanded paper work via fax (dont have them in hospitals, dont even have computers) and wouldnt act until receiving them and wanted us to inform them of the name of the hospital (which was written in Cyrillic). Then the translator made contact with the doctors and didnt even speak Georgian!!!

We went out to work in an orphanage and ended up £600 down due to the insurance company, plus the £200 cost of the insurance.

This happened in October it is now July and we have just been offered £100 to keep us quiet.

Stay well clear of Insure and Go!!!

Posted by Rachel on the 6th July 2011

Would never recommend company for any type of policy got what I and my Dr thought was an gastric ulcer but unfortunately turned out to be a tumour and a very rare cancer.
Insure and go say I should have known I was under investigation for this and should have informed them. How can you inform them of your illness when you don't know you have it until an operation is performed.
It's a long story but insure and go are very unsympathetic and as for as i'm concerned a company not to be recommended or trusted.

Posted by Paul Wright on the 24th June 2011

Pathetic. In order to make a claim you need to download their 7-page claim form, fill it in an scan all 7 pages of it then send it back. There is no other way.

Posted by Ian on the 8th June 2011

Insure and Go have now gone. I renewed last year a month prior to the expiry date and my wife was taken suddenly quite ill, I rang Insure and Go to cancell the policy but they had taken the money and refused point blank to refund it even though there was still 2 weeks to go to the renewal date.
Now I have received my renewal and find it has increased by 125% and that without any claim ever

Posted by Bazza on the 7th June 2011

after a very bad flood at my apartment i made a claim to which it was delt with superbly by insure and go staff and was settled in days im so glad i read and understood my policy i brought it dosn't pay to just go for the cheapest thanks again insure and go

Posted by john dienn on the 1st June 2011

Terrible service- lie through their teeth and when caught out haven't even got the grace to apologise- admitted that what their staff tell you is wrong and their claim forms are wrong but they appear to see nothing wrong in that - Made a small claim for a delayed case at xmas still waiting-! for even a mildly satisfying answer - customer service is saying I'm sorry you feel that way Sir to every accusation.Ask them any thing outside there pre-scripted reply and it goes sailing over their heads- not even the basic idea abou the insurance industry As said below they appear to try everything to get out of paying up !!. The 'team leader' I spoke to must be the Artful dodgers mum_ Not worth a single star

Posted by Gazza on the 10th February 2011

Had to make a claim for 25 hour delays on both outward and inward journeys of our last holiday. Claim was settled in less than three weeks with no hassle whatsoever. Money paid out was in accordance with their policy schedule.

Posted by Deebru on the 31st January 2011

I would not advise anyone to go with your firm. I have had so much trouble with your dept. My next step is to ask one of the newspapers to help me in recovering money for a trip which I could not take due to a spinal problem. I am so disappointed with the response so far. But never will I insure with you in the future.

Posted by joanne lancaster on the 24th December 2010

My bag was stolen from a restaurant incurring £800 worth of losses. I recovered £49 from insureandgo.com which does not even cover the cost of the policy. Insureandgo.com policies are basically worthless if you read the policy documents.

Posted by Chris on the 17th December 2010

An appalling company that is clearly out to minimise claims to the point of breaking the spirit (at the very least) of the insurance contract. Look elsewhere unless you enjoy the prospect of small-print ping-pong, insurmountable evidence requirements and ultimately court action to top up whatever disaster you thought you were insured against. This company will happily take your money and then add to your grief once the worst happens.

Posted by Mark B on the 16th August 2010

Have to give this shower 1 star under sufferance but if I could have given them zero stars I would. I have had a policy with them for 5 years. Made a claim this summer for cancellation after a family member fell ill. I&G declined it. We fought them on it but they wouldn’t budge. I have lodged a complaint with them and shall be contacting the Ombudsman to pursue this further.
I haven’t cancelled the policy yet as I need to wait for the outcome of the FOS ruling as I can imagine that whoever makes decisions at I&G regarding complaints will come down on the company’s side. I have essentially got a policy which there is no point keeping as it is essentially no use to me. I surmise that if they aren’t going to pay up in those circumstances that they are just rip-off merchants and would never pay out on any claim. Also they’re not all that cheap either. A quick visit to a comparison website highlighted a couple of dozen providers whose similar policies were cheaper and others whose products cost the same or slightly more and had better provision and cover. In conclusion I would never use them again and would not recommend them to anyone either. Steer clear of this company if you want proper travel insurance: Avaricious, disingenuous, obstinate, in short an appalling excuse for an insurance company.

Posted by Richard Seymour on the 4th August 2010

I will never use this company again under any circumstances whatsoever. I have taken my cancellation claim for lost accommodation costs to the Financial Ombudsman. Many others have been caught by the inconveniences caused by the ash cloud in April as well as me. Do yourself a favour and insure and go elesewhere! I hate to even give them one star, but that is the minimum the site will accept before posting my review.

Posted by Diane Buxton on the 11th July 2010

Around 5 years ago my luggage disappeared for an entire 5 day trip to Karachi and resulted in me spending money on clothes for the duration. I was able to make one claim via insure and go and got the money back. I am now in Johannesburg and my luggage was delayed for the first five days of this trip. Making sure I had filed a report with the airline/kept all receipts, I called Insure and Go to get a claim form. The guy told me that I now have to claim through the airline first! What the hell is the point in taking out travel insurance that includes cover for delayed/lost luggage etc, yet they tell you to claim through the airline? As other have said here, I have always used insure and go and often recommend them to people. From now on I will look for another insurer that can be bothered to process my claim and reclaim the money form the airlines themselves. I asked the guy why I paid for insurance if I cant claim for delayed luggage expenses - he told me that I was also covered for medical expenses etc. I can only assume that if I was stabbed in a street robbery, that they would tell me to claim my medical expenses from the person who attacked me?

Posted by Gordon U on the 28th June 2010

Don't insure with Insure and Go - we paid for their Gold Service and paid extra for medical conditions. When we were stuck in Egypt they gave no help at all, not even contributing to medicine. They claimed their underwriters prevented them paying out and advised us to take it up with them. - We did and they said it was Insure and go's decision. When they took the premium they were fast, efficient and friendly, when it came to a claim ( the first I've ever made), they were rude and unhelpful.

Posted by jonny on the 13th June 2010

I wouldn't touch them with a barge pole. My father died in December so I had to cancel a holiday as his funeral was the day after we were meant to fly out. They spent five months asking me for more and more information to eventually tell me last week that I wasn't entitled to any money back. DO NOT TRUST THEM!!!

Posted by muriel miller on the 30th May 2010

I wouldn't touch this company with a bargepole. After the recent events with the Icelandic volcano, I expected my holiday to be cancelled so I rang them. Don't worry Sir, you are covered is what I was told. The next day when the cancellation was confirmed I rang them again only to be told they are not not covering me as they are changing their classification of the cause and therefore I am now not covered and will not receive a penny. They are an absolute disgrace! I have given them one star as that's the minimum I could give them. If there was a minus figure, then that's what they would have got. Get Travel Insurance elsewhere.

Posted by Steve on the 19th April 2010

I had to have emergency spinal treatment in Bangkok but Insure & Go refused the whole claim because I had had a muscular back pain and had visited the doctor. Although the two were not linked Insure & Go said that any back pain was a pre-existing condition! For insurance you should pay more to get more.

Posted by jason on the 29th January 2010

Airline lost my luggage for 5 days. Had to spend about 100 euro on clothes and essentials until my bag was returned (HALF what was “allowed” under my “cover”). My spare insulin was in my main bag. When my main supply failed, I had to go to hospital in Greece to get a new batch.
Back in London, I was told (BY THEIR SUPPORT LINE) to submit 2 claims, 1 for essentials and 1 for medic cover under the same policy. They rejected the medical claim (full doctor + medial receipts) saying it was my fault for not having a spare set (IN MY LOST BAGS!!) ... as for the essentials claim, 3 weeks later I got a letter saying I’m suppose to claim from the airline first, then from them. Also, that the receipt for a backpack to hold all my new clothes (18 euro) and a receipt for underwear (5 euro) was missing. Funny, because they were the top 2 receipts sent back in the envelope, proving that not only do they not honour their policies, they actually can’t read. Stay away!!!

Posted by Ed on the 15th July 2009

Their claims department is a disgrace. Never buy one of their policies. They put me through three months of hassle giving them more evidence for my claim, all while saying they were not trying to deny my claim, then after I got them everything they declined me on two reasons - one of which was I didn't claim within 7 days. They obviously knew that right at the start but still made me jump through hoops to get information to them.

They should be ashamed of themselves. I wouldn't recommend them to anyone under any circumstances. Pay a little extra for someone that you might stand a chance of getting a payout from.

Posted by Kevin on the 18th November 2008

Insure & Go offers many different types of insurance which are all clearly displayed on the opening page, and licking on one of these will take you to the details about that specific type of cover. From here there is also a link to the Key Facts section, which takes you to a page where you can download the details of the different levels of cover, which is a useful feature as these are sometimes not easy to find.

The direct quote function is simple and effective. Rather than asking you for a whole wealth of unnecessary information, the only details that you need to provide are your destination, the dates that you will be travelling and the number of travellers, and the quote will be produced straight away. A nice feature is that the different policies, along with the different events that you are covered for, appear alongside each other, making it easy to make quick comparisons.

You are also given a lot of choices to modify your chosen insurance, such as altering the excess or changing certain features such as Baggage & Money and Winter Sports cover, which makes the cover more specific to your personal needs.

After filling in your details and completing the payment, an email is sent directly to your account with all of the details that you require on it. This acts as your certificate and can be printed off to keep.

Overall, the clear layout and the quick and easy service cuts out a lot of the hassle that many other sites put you through. With everything you would expect from a travel insurance company, and a number to phone in emergencies, it is overall a good and flexible provider which offers value for money.

Posted by Jon France on the 2nd June 2008