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