Insureandgo travel insurance review December 2018 | finder.com

InsureandGo travel insurance

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Insureandgo is not available in the US. Here are some other providers who are.

Details Features
Atlas Premium
Atlas Premium
Comprehensive coverage with higher limits and a range of additional benefits.
  • Trip cancellation: Not available
  • Emergency medical expenses: Up to $2,000,000
  • Baggage coverage: $1,000
  • Trip delay: $200/day up to $400
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Travelex Travel Max
Travelex Travel Max
The most comprehensive protection plan offered by Travelex. Offers optional Cancel For Any Reason upgrade.
  • Trip cancellation: 100% cost of trip
  • Emergency medical expenses: $100,000
  • Baggage coverage: $2,500
  • Trip delay: $1,000
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RoamRight Travel Insurance Essential
RoamRight Travel Insurance Essential
Coverage includes trip cancellation insurance, tourist health insurance and baggage insurance.
  • Trip cancellation: 100% cost of trip
  • Emergency medical expenses: $15,000
  • Baggage coverage: $750
  • Trip delay: $100/day up to $500
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STA Travel Standard International
STA Travel Standard International
Affordable coverage for the essentials needed when traveling outside of your home country.
  • Trip cancellation: Not available
  • Emergency medical expenses: $25,000
  • Medical evacuation & repatriation: $250,000
  • Trip delay: $100/day up to $250
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RoamRight Travel Insurance Preferred
RoamRight Travel Insurance Preferred
Increased limits of coverage, plus trip interruption insurance worth 150% of the trip cost.
  • Trip cancellation: 100% cost of trip
  • Emergency medical expenses: $50,000
  • Baggage coverage: $1,000
  • Trip delay: $200/day up to $1,000
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Travelex Cancel for Any Reason
Travelex Cancel for Any Reason
Not 100% sure you're going to make your trip? Cancel For Any Reason upgrade is available with the Travel Select plan.
  • Reimburses up to 75% of the insured trip cost
  • Must cancel within 48 hours before scheduled departure
  • Offered on trips with a maximum value of $10,000
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Atlas Travel
Atlas Travel
Customizable policy that balances between the basic essentials and premium coverage.
  • Trip cancellation: Not available
  • Emergency medical expenses: Up to $2,000,000
  • Baggage coverage: Up to $500
  • Trip delay: $100/day up to 2 days
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Seven Corners Trip Protection Insurance
Seven Corners Trip Protection Insurance
Comprehensive coverage for the cost of your trip, your medical expenses and your belongings.
  • Trip cancellation: 100% cost of trip
  • Emergency medical expenses: Up to $250,000
  • Baggage coverage: Up to $2,500
  • Trip delay: Up to $1,500
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Travelex Flight Insure Plus
Travelex Flight Insure Plus
Choose the coverage amount that meets your needs. Baggage and trip delay protection included.
  • Flight accident AD&D: Up to $1,000,000
  • Emergency medical expenses: $10,000
  • Baggage coverage: $1,000
  • Medical evacuation & repatriation: $100,000
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STA Travel Explorer Plus
STA Travel Explorer Plus
Premiere coverage for a range of travel mishaps with additional riders for sports and other leisure activities.
  • Trip cancellation: $3,000
  • Emergency medical expenses: Up to $100,000
  • Baggage coverage: $500/item up to $2,500
  • Trip delay: $200/day up to $1,000
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Allianz Domestic Travel Insurance
Allianz Domestic Travel Insurance
Make sure you're covered in case your planned trip unexpectedly goes awry.
  • Trip cancellation: $1,000
  • Emergency medical expenses: Up to $25,000
  • Baggage coverage: Up to $1,000
  • Trip interruption: Up to $1,500
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Allianz International Travel Insurance
Allianz International Travel Insurance
Customizable coverage that can give you peace of mind when traveling to popular or remote destinations.
  • Trip cancellation: $1,000
  • Emergency medical expenses: Up to $50,000
  • Baggage coverage: Up to $2,000
  • Trip interruption: Up to $1,500
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Get 100% trip cancellation and up to $500,000 in medical coverage for your trip with InsureandGo

Insureandgo Logo

Whether you’re traveling overseas for a short getaway or an extended round the world trip, you need travel insurance. From lost passports to overseas medical emergencies — the list of stressful and costly mishaps that can disrupt your travel plans is long, so it pays to have a financial safeguard in place before you leave home.

Travel insurance offers the peace of mind you need when you’re on a trip. InsureandGo offers a range of competitive travel insurance options for American tourists, including for international and domestic travel, cruises, family and senior travel. These policies offer competitive and affordable protection that offers a wide range of benefits.

InsureandGo Travel Insurance is issued by Mitsui Sumitomo Insurance Company Limited, a Japan-based insurance provider with a strong global presence. InsureandGo operates its own overseas emergency assistance helpline, which can be contacted 24 hours a day, seven days a week, from anywhere in the world.

InsureandGo travel insurance policies

International travel insurance

  • Available in three levels of cover to suit different needs and budgets — Silver, Gold and Platinum.
  • Covers 100% of non-refundable trip costs following trip cancellation.
  • Covers 150% of non-refundable trip costs caused by trip interruption.
  • Covers overseas emergency medical expenses, transportation and repatriation and provides primary medical coverage to all international plans.
  • 24/7 emergency assistance.
  • Coverage for pre-existing conditions.
  • Other benefits include coverage for travel delay, baggage delay, baggage and personal effects and missed cruise connection.

Domestic travel insurance

  • Covers you for trips within the US.
  • Available in three levels of cover to suit different needs and budgets — Silver, Gold and Platinum.
  • Covers 100% of non-refundable trip costs following trip cancellation.
  • Covers 150% of non-refundable trip costs caused by trip interruption.
  • Up to $500,000 of coverage for emergency medical expenses, transportation and repatriation.
  • 24/7 emergency assistance plus travel assistance and roadside assistance.
  • Also includes coverage for travel delay, baggage and personal effects, baggage delay and missed cruise connection.
  • Coverage for pre-existing conditions.

Cruise insurance

  • Available in two levels of coverage — Cruise Select and Cruise Preferred.
  • Up to $250,000 coverage available for medical expenses.
  • Up to $500,000 coverage for emergency medical transportation and repatriation.
  • Covers 100% of non-refundable trip costs following trip cancellation.
  • Covers 200% of non-refundable trip costs caused by trip interruption.
  • Provides coverage for onboard medical expenses, cabin confinement, pre-paid shore excursions and ship to shore medical evacuation.
  • Other benefits include coverage for travel delay, baggage and personal effects, baggage delay, missed connection and 24/7 emergency assistance.

Family travel insurance

  • Three levels of coverage available — Silver, Gold and Platinum.
  • Coverage for the whole family.
  • Covers 100% of non-refundable trip costs following trip cancellation.
  • Covers 150% of non-refundable trip costs caused by trip interruption.
  • Up to $500,000 coverage for emergency medical expenses.
  • Up to $500,000 coverage for emergency medical transportation and repatriation.
  • Pre-existing condition coverage.
  • Other benefits include travel delay, baggage and personal effects, baggage delay and travel accident.

Seniors travel insurance

  • Designed to meet the coverage needs of retirees.
  • Available in three levels of coverage — Silver, Gold and Platinum.
  • Covers 100% of non-refundable trip costs following trip cancellation.
  • Covers 150% of non-refundable trip costs caused by trip interruption.
  • 24/7 emergency assistance.
  • Up to $500,000 coverage for emergency medical expenses.
  • Up to $500,000 coverage for emergency medical transportation and repatriation.
  • Pre-existing condition coverage available.
  • Also covers baggage and personal belongings, travel delays, travel accidents and more.

Coverage and services

Global Silver Global Gold Global Platinum
Trip cancellation Total cost of trip Total cost of trip Total cost of trip
Trip interruption 150% of cost trip 150% of cost trip 150% of cost trip
Travel delay $250 $250 $500
Baggage and personal effects $750 $1,000 $2,000
Baggage delay $300 $700 $800
Missed connection (Cruise only) $250 $250 $500
Emergency medical expense $100,000 $250,000 $500,000
Emergency medical transportation & repatriation $250,000 $500,000 $500,000
Air flight accident (ADD-flight only)
$50,000 $50,000
Travel accident (ADD)
$25,000 $25,000

Explanation of coverage

  • Trip cancellation. If something happens like a death of a relative or illness forces you to cancel your trip before you leave home, you’re covered for any non-refundable deposits or cancellation fees.
  • Trip interruption. If you fall ill or are injured while overseas, InsureandGo provides coverage for your ambulance, hospital, medical and surgical expenses as well as repatriation to the United States.
  • Travel delay. You’re covered for additional accommodation and food when your trip is delayed due to circumstances beyond your control.
  • Baggage and personal effects. If your luggage or personal belongings are lost, stolen or damaged, you’re covered for replacing or repairing them.
  • Delayed baggage. If your baggage is delayed, you’ll be given a certain amount of money to buy things like clothing and toiletries.
  • Emergency medical or dental expenses. You’re covered for emergency medical and dental costs if you fall ill or are injured while traveling.
  • Emergency medical transportation and repatriation. InsureandGo offers up to $500,000 coverage when you need to be transported in a medical emergency or repatriated to your home.
  • Air flight accident. This pays a lump sum benefit in the event of an air flight accident.
  • Travel accident. If you’re involved in a travel accident, some InsureandGo policies pay a lump sum benefit.
  • Assistance. 24/7 emergency assistance, travel assistance, roadside assistance and concierge services are offered to all customers.
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Does InsureandGo cover pre-existing medical conditions?

InsureandGo’s doesn’t cover pre-existing condition if in the 60 days prior to coverage starting:

  • First manifested itself or resulted in symptoms.
  • Required you to take drugs or prescribed medicine.
  • Required medical treatment or if treatment was recommended by a physician.

However, this exclusion on pre-existing conditions can be waived if you enroll in an InsureandGo plan at the time you pay the deposit required for the covered trip (or within 14 days of the initial deposit) and you buy coverage under the policy for the full cost of the covered trip.

How do I make a claim with InsureandGo?

If you want to make a claim on your InsureandGo policy, you’ll need to register your claim with your insurer no later than 30 days after completing your travel. You’ll need to submit a signed and completed claim form to InsureandGo along with any other information having to do with your claim including invoices and receipts, proof of ownership, police reports and medical reports.

Claim forms are available for download from the InsureandGo website.

Frequently asked questions

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