Insureandgo.ie Reviews

Based on looking at the website, Insureandgo.ie appears to be a legitimate provider of travel insurance in Ireland, offering various policy options to cover unforeseen events during trips abroad.

They highlight benefits such as medical expenses coverage up to €10 million, real-time flight delay compensation, and lost or stolen luggage protection.

While they emphasize transparency and 24/7 emergency assistance, a deeper dive into their offerings and customer experiences is crucial for anyone considering their services.

This review aims to dissect the key aspects of Insureandgo.ie’s travel insurance, providing a comprehensive overview to help you make an informed decision about your travel protection needs.

Find detailed reviews on Trustpilot, Reddit, and BBB.org.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

Understanding Insureandgo.ie’s Core Offerings

Insureandgo.ie primarily focuses on providing travel insurance policies designed to mitigate financial risks associated with various travel disruptions.

Their policies aim to offer peace of mind, covering everything from medical emergencies abroad to lost luggage and flight delays. It’s not just about a basic safety net.

They articulate a tiered approach to coverage, allowing travelers to select a plan that aligns with their specific needs and budget.

Types of Travel Insurance Policies Available

Insureandgo.ie offers different policy types, catering to a range of travel durations and frequencies.

Understanding these distinctions is crucial for selecting the most appropriate coverage. Lochsandglens.com Reviews

• Single Trip Policies: Ideal for one-off holidays or short breaks. These policies cover a single journey from start to finish. For instance, a 3-day Bronze single trip policy within Europe for a person under 65 with no medical screening is quoted at €6.72*, highlighting their competitive entry-level pricing. These policies are perfect for those who travel infrequently and want specific coverage for one particular trip.
• Annual Multi-Trip Policies: Designed for frequent travelers who embark on multiple journeys throughout the year. This option can often be more cost-effective than purchasing multiple single-trip policies. The convenience of having continuous coverage for an entire year is a significant draw for many.
• Long Stay Policies: Tailored for extended periods abroad, typically exceeding the maximum duration covered by single or annual multi-trip policies. These are suitable for gap year students, digital nomads, or individuals on extended working holidays.

Coverage Levels and Their Benefits

Insureandgo.ie typically offers tiered coverage levels, often labeled as Bronze, Silver, Gold, and Platinum.

Each tier provides escalating levels of protection and benefits.

• Bronze Policy: This is generally the most basic and economical option, providing essential coverage for unforeseen events. While it might cover the bare necessities like basic medical expenses and cancellation, it might have lower limits and fewer additional benefits.
• Silver Policy: A step up from Bronze, offering slightly higher limits and potentially a few more benefits, striking a balance between cost and coverage.
• Gold Policy: This tier introduces more robust coverage, including benefits like Real-Time Flight Delay with airport lounge access or a cash payment*. This feature is a significant advantage for travelers prone to flight disruptions, offering tangible relief during delays.
• Platinum Policy: The highest tier, providing the most comprehensive coverage. This includes Medical Expenses up to €10 million, offering substantial protection against expensive medical bills, which can be a major concern when traveling abroad. It also typically includes the Real-Time Flight Delay feature and enhanced coverage for lost or stolen luggage.

Key Coverage Highlights Advertised

Beyond the tiered structure, Insureandgo.ie highlights specific coverage areas that are crucial for travelers.

• Cancellation / Curtailment: Covers expenses if your trip is canceled or cut short due to an unforeseen event. This is a critical component, protecting your financial investment in the trip.
• Medical Expenses: As mentioned, up to €10 million on Platinum policies, providing robust protection against medical emergencies. This is paramount, as international medical care can be exorbitantly expensive without insurance.
• Lost or Stolen Luggage: Provides cover for your belongings, saving you from an expensive inconvenience if your luggage goes missing. This offers peace of mind, knowing that if your bags don’t make it or are stolen, you’re not left completely out of pocket.
• 24/7 Emergency Medical Assistance: Access to a helpline for immediate medical support while abroad. This is invaluable, especially when navigating unfamiliar healthcare systems.
• Real-Time Flight Delay: Available on Gold and Platinum policies, this benefit tracks your flights in real-time and provides lounge access or a cash payment if your flight is delayed for more than 3 hours. This proactive approach to flight delays is a strong selling point.
• 24/7 Online GP TravelGP: Complimentary access to professional GP advice and prescriptions where available, providing convenient medical consultation while abroad. This can save a lot of hassle for minor ailments or questions that don’t warrant an emergency room visit.

Navigating the Insureandgo.ie Website and Quote Process

A smooth user experience is crucial for any online service, and Insureandgo.ie’s website plays a vital role in how potential customers perceive their brand.

The ease of getting a quote and understanding the terms is often the first real interaction a user has. Fixdapp.com Reviews

User Interface and Navigation

Based on initial impressions, the website appears to be straightforward and relatively easy to navigate.

The “Get a quote” button is prominently displayed, suggesting a focus on quick access to their core service.

The use of clear headings and icons e.g., for medical coverage, cancellation, emergency assistance, transparency helps in quickly identifying key benefits.

• Intuitive Layout: The layout seems designed for clarity, with important information presented in an easily digestible format.
• Clear Call-to-Actions: Buttons like “GET A QUOTE” are immediately visible, guiding users towards the next step.
• Information Accessibility: Important details about policy features are often presented with accompanying icons, making them scannable and understandable at a glance.

The Online Quote System

The efficiency and transparency of the online quote system are paramount.

Users expect a quick and clear process to determine their potential premium. Ionos.co.uk Reviews

• Personalized Quotes: The system likely prompts users for details such as travel dates, destination, number of travelers, and age. This allows for personalized quotes based on specific risk factors.
• Tiered Pricing Display: During the quote process, it’s highly probable that the different coverage levels Bronze, Silver, Gold, Platinum and their corresponding prices are displayed, allowing users to compare options directly.
• Factors Affecting Premiums: It’s important for users to understand that the quoted price can vary significantly based on:
  • Destination: Traveling to higher-risk regions or those with more expensive medical care e.g., Worldwide including USA/Canada will generally result in higher premiums.
  • Duration of Trip: Longer trips inherently carry more risk and thus higher costs.
  • Age of Travelers: Older travelers typically face higher premiums due to increased health risks. The website notes a warning that the main traveler must be aged 18 or over but not exceed 86.
  • Pre-existing Medical Conditions: While not explicitly detailed on the homepage text, it’s standard for travel insurance to require medical screening for pre-existing conditions, which can impact eligibility and premium.
  • Chosen Coverage Level: As previously discussed, Platinum will be more expensive than Bronze due to the higher benefits and limits.
  • Group Type: Whether it’s an Individual, Couple, or Family policy will also influence the premium. A “Family” policy covers the Principal Insured Person, his/her spouse or common law partner, and their dependent child/children aged 17 years and younger.

Transparency in Pricing and Fees

The website explicitly states, “We are fully transparent to our clients.

There are no hidden transaction fees in your coverage.” This is a significant claim, as hidden fees can be a major point of frustration for consumers.

• No Hidden Fees: If this claim holds true throughout the quote and purchase process, it builds trust and provides clarity for the customer.
• Clear Policy Wording: While not directly related to pricing, transparency also extends to the clarity of policy wording. Users should be able to easily access and understand the terms and conditions before purchasing. The website mentions that the policy wording booklets can be found online, which is good practice.

Understanding Policy Inclusions and Exclusions

Delving into the specifics of what is covered and, crucially, what is not, is vital for any insurance product.

Insureandgo.ie highlights several key inclusions, but understanding the nuances and potential exclusions is equally important.

Inclusions: What’s Covered?

Insureandgo.ie outlines several robust inclusions aimed at comprehensive travel protection. Lightbulbs-direct.com Reviews

• Emergency Medical Expenses up to €10m on Platinum: This is a cornerstone of any good travel insurance policy. It covers costs associated with emergency medical treatment, hospitalization, and sometimes even medical repatriation if necessary. The €10 million limit on Platinum policies is a substantial amount, offering significant financial protection against unforeseen health crises abroad.
• Cancellation/Curtailment: This covers non-refundable costs if your trip is canceled or cut short due to specified unforeseen events, such as illness, injury, or bereavement. It’s crucial for protecting your financial investment in flights, accommodation, and pre-booked tours.
• Lost or Stolen Luggage: Reimbursement for the value of lost, stolen, or damaged personal belongings, including luggage. This feature is particularly helpful for travelers who might be carrying valuable items or simply want to avoid the financial burden of replacing essential items.
• 24/7 Emergency Medical Assistance: Access to a dedicated helpline for medical emergencies. This service can provide guidance on finding local medical facilities, arranging direct billing, and coordinating medical transportation if required.
• Real-Time Flight Delay Gold and Platinum: As highlighted, this benefit provides lounge access or a cash payment if a flight is delayed for more than 3 hours. This proactive approach to common travel inconveniences can significantly enhance the travel experience.
• 24/7 Online GP TravelGP: This offers remote medical consultation, a valuable feature for travelers who might need medical advice for minor ailments without needing to visit a physical clinic. It can provide prescriptions where available, further enhancing convenience.
• Winter Sports Cover: This is a specific add-on or inclusion for winter sports enthusiasts. It covers:
  • Loss, theft, or damage to winter sports equipment.
  • Hire of winter sports equipment if yours is lost, stolen, or damaged.
  • Cost of your ski pack if you become ill or injured.
  • Extra travel and accommodation expenses if journeys are delayed due to avalanche.
  • Compensation if the piste is closed for more than 12 hours. This specialized coverage is essential for anyone planning a skiing or snowboarding trip.

Exclusions: What Might Not Be Covered?

While the website details inclusions, understanding common exclusions in travel insurance policies is paramount.

Although the direct homepage text doesn’t explicitly list a comprehensive set of exclusions, general insurance principles and industry standards suggest certain common areas of non-coverage.

• Pre-existing Medical Conditions Undisclosed or Unscreened: It’s standard for travel insurance to require disclosure and potentially an additional premium or exclusion for pre-existing medical conditions. Failure to declare these could invalidate claims. The note about medical screening for the €6.72* Bronze policy implies that certain conditions might require assessment or affect eligibility.
• High-Risk Activities: Activities like bungee jumping, skydiving, or certain types of mountaineering are often excluded unless specifically added as an “adventure sports” or “extreme sports” rider.
• Unattended Belongings: Claims for lost or stolen luggage often require evidence of reasonable care being taken. Leaving belongings unattended in public places might lead to a denied claim.
• Alcohol or Drug-Related Incidents: Injuries or incidents occurring under the influence of alcohol or non-prescribed drugs are almost universally excluded.
• Acts of War or Terrorism: While some policies may offer limited coverage for certain events, widespread conflicts or terrorism are typically excluded.
• Travel Against Official Advice: Traveling to a country or region against the advice of government bodies e.g., Department of Foreign Affairs will usually invalidate coverage for incidents in that area.
• Failure to Obtain Medical Assistance: If you’re advised to seek medical help and you don’t, subsequent complications might not be covered.
• Negligence: Any incident resulting from the insured’s gross negligence may be excluded.
• Changes in Travel Plans Non-Insured Reasons: Deciding to change your mind about a trip, or personal preference changes, are not typically covered by cancellation.
• Specific Destination Exclusions: While Insureandgo.ie lists covered destinations by area Europe, Worldwide excluding USA/Canada, Worldwide including USA/Canada, UK/Channel Islands, it also explicitly excludes certain countries from its “Europe” definition, such as Algeria, Israel, Jordan, Libya, Lebanon, and Syria. It is crucial to check if your specific destination falls within their covered areas and any associated restrictions.

Importance of Reading the Policy Wording

The website advises taking your travel insurance certificate and the relevant policy wording booklet away with you, and that these booklets can be found online. This is the most critical piece of advice for any insurance purchase.

• Understanding the Fine Print: The policy wording contains the definitive terms, conditions, limits, sub-limits, and exclusions. It’s where the rubber meets the road.
• Avoiding Surprises: By thoroughly reviewing the policy wording, travelers can avoid unpleasant surprises when it comes to making a claim. It outlines exactly what triggers a payout and what conditions must be met.
• Specific Definitions: Terms like “unforeseen event” or “emergency” are often legally defined within the policy document, which is vital for understanding what qualifies for a claim.

Claims Process and Emergency Assistance

When an unforeseen event occurs abroad, the claims process and access to emergency assistance become paramount.

Insureandgo.ie highlights its commitment to support in these critical moments. Projectcloudshoes.com Reviews

24/7 Emergency Medical Assistance

The provision of 24/7 Emergency Medical Assistance is a crucial benefit for any travel insurance policy.

It means that no matter where you are in the world or what time zone, help is just a phone call away.

• Immediate Support: In a medical emergency, quick access to professional advice and coordination can be life-saving. The website provides a clear overseas emergency contact number: +353 91 545908.
• Coordination of Care: This service often helps in finding appropriate medical facilities, liaising with local medical teams, guaranteeing payments to hospitals if applicable, and arranging medical repatriation if necessary. This significantly reduces the burden on the traveler during a stressful time.
• Language Barrier Assistance: Many emergency assistance services can provide translation services, bridging communication gaps in foreign hospitals.

Non-Emergency Claims Process

For claims that don’t involve an immediate medical emergency e.g., lost luggage, cancellation, a structured process is typically in place.

• Contact Information: The website provides a non-emergency claims number: +353 91 545907. This clear contact point is essential for initiating a claim.
• Documentation Required: While not detailed on the homepage, all insurance claims require documentation. For instance, for lost or stolen passports, the website specifically advises reporting to local police and obtaining crime reference details for the APS1 form, and reporting to the Irish embassy. This highlights the need for:
  • Police Reports: For theft or loss.
  • Medical Records: For illness or injury claims.
  • Proof of Purchase: For lost or damaged items.
  • Booking Confirmations/Invoices: For cancellation or curtailment claims.
  • Flight Delay Certificates: From the airline for flight delay claims.
• Timeframes for Claims: Insurers typically have a timeframe within which a claim must be reported e.g., within 28 or 31 days of the incident. It’s vital to check the policy wording for these specifics.
• Online Claim Portals: Many modern insurers offer online portals for submitting claims, which can streamline the process. The website doesn’t explicitly mention this but it’s a common feature.

Lost Documents and Passport Procedures

The website also provides practical advice for common travel mishaps, indicating a user-centric approach to support.

• Retrieving Lost Documents: For lost policy documents, the advice is to check email first, then contact customer service via phone 091 545 904 or email [email protected]. This multi-channel approach is helpful.
• Lost/Stolen Passport Abroad: The detailed guidance for lost or stolen passports is excellent. It clearly states the steps:
  1. Report to Local Police: As soon as possible, obtaining crime reference details. This is non-negotiable for insurance claims and replacement documents.
  2. Report to Irish Embassy: To get replacement travel documents. The website suggests visiting the Department of Foreign Affairs website for embassy details.
  3. Required Documents: Emphasizes the need for the crime reference details for the APS1 Lost or Stolen Passport Notification form.
• Document Arrival Times: They manage expectations for postal documents, stating 5 to 10 working days, but reassuring users that emailed documents can be used. This flexibility is beneficial.

General Advice for Travelers

The website also offers general advice, reinforcing practical steps for a smooth travel experience. Eil.com Reviews

• Carry Policy Documents: Advised to take your travel insurance certificate and policy wording booklet. If printing isn’t possible, writing down the policy number and emergency contact numbers is a practical hack. This emphasis on having access to vital information is crucial.

Private Health Insurance Discount and Destination Specifics

Insureandgo.ie offers specific conditions and discounts related to private health insurance, and clearly outlines its destination categories.

These details are important for understanding eligibility and coverage scope.

Private Health Insurance Discount

This is a notable feature that can reduce premiums for eligible customers.

• Eligibility Criteria: The discount applies if you and each additional traveler on the policy have private health insurance in place.
• Minimum Coverage Requirement: This private health insurance must provide inpatient medical cover abroad to a minimum of €55,000 per person per claim. This specific financial threshold is important to note.
• Duration of Coverage: The private health insurance cover must remain in place for the full duration of your Insureandgo.ie policy. This ensures continuous primary medical coverage.
• Claim Procedure for Inpatient Medical Treatment: In the event of a claim for inpatient medical treatment abroad, you must claim on your private health insurance first. The benefits payable under your Insureandgo.ie travel insurance policy will only commence once you have reached the limit on your private health insurance policy. This indicates that Insureandgo.ie’s policy acts as a secondary or excess insurer in such scenarios, complementing your primary private health insurance. This is a crucial point for understanding how claims will be processed if you qualify for this discount.

Destination Categories

Insureandgo.ie clearly defines its travel destination categories, which directly impact policy pricing and coverage.

It’s imperative for travelers to select the correct geographical area to ensure their policy is valid. Haier-europe.com Reviews

• Area 1: United Kingdom and Channel Islands: This is the most localized and typically the least expensive area of cover.
• Area 2: Europe excluding Algeria, Israel, Jordan, Libya, Lebanon and Syria: This broad European coverage includes a comprehensive list of countries, from Albania to Yugoslavia referring to parts of the former USSR.
  • Specific Inclusions: The detailed list includes The Continent of Europe, The Azores, and any country or island with a Mediterranean coastline. Specific countries listed include Albania, Andorra, Austria, Balearic Islands, Belgium, Bosnia, Bulgaria, Canary Islands, Corsica, Crete, Croatia, Cyprus, Czech Republic + Slovakia, Denmark, Egypt, Finland, France, Greece, Germany, Hungary, Ibiza, Iceland, Italy, Lapland, Liechtenstein, Luxembourg, Madeira, Mallorca, Malta, Menorca, Monaco, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Sardinia, Sicily, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey.
  • Former USSR Inclusions: Also included are Estonia, Belarus, Latvia, Lithuania, Moldova, Russia Moscow, and Ukraine Kiev.
  • Explicit Exclusions from “Europe”: It’s critical to note the specific exclusions: Algeria, Israel, Jordan, Libya, Lebanon, and Syria, even though some are geographically close to Europe or on the Mediterranean.
• Area 3: Worldwide excluding USA/Canada: This offers global coverage but excludes two of the most expensive medical jurisdictions.
• Area 4: Worldwide including USA/Canada: This is the most comprehensive and typically the most expensive option, due to the high cost of medical care in the USA and Canada.

Importance of Correct Destination Selection: Selecting the wrong destination area could lead to your policy being invalid or claims being denied. For instance, if you purchase a “Europe” policy but travel to Israel, any incident there would likely not be covered. Always double-check your itinerary against their defined areas.

Customer Support and Contact Options

Effective customer support is a cornerstone of any service-based business, especially in insurance where queries and emergencies can arise at any time.

Insureandgo.ie provides various channels for contact.

Contact Numbers Provided

The website clearly lists several dedicated phone lines, distinguishing between emergency and non-emergency situations.

• Emergency Contact Overseas: +353 91 545908. This 24/7 line is critical for immediate medical emergencies abroad.
• Non-Emergency Claims: +353 91 545907. This number is for initiating claims that do not require immediate medical intervention.
• Lost Documents/Customer Service: 091 545 904. This number is specifically mentioned for retrieving lost policy documents, suggesting it serves as a general customer service line for policy-related queries.

Email and Online Channels

In addition to phone support, email is provided as an alternative contact method. Dentlaracity.com Reviews

• Email for Lost Documents: [email protected]. Providing an email address for specific issues like lost documents indicates a willingness to support customers through multiple channels.
• “Contact Us” Page: The website mentions “For other enquiries, please see our “Contact Us” page.” This suggests a more comprehensive contact section on their site, which might include:
  • General Inquiry Forms: For non-urgent questions.
  • FAQs Section: A comprehensive list of frequently asked questions to help users self-serve, reducing the need to contact customer service for common queries. The homepage points to a “Read more FAQs” link, confirming the presence of such a section.
  • Live Chat: While not explicitly mentioned in the provided text, many modern insurance websites offer live chat for immediate assistance.

Document Retrieval and General Advice

The website’s proactive advice on document retrieval and what to take on holiday demonstrates a consideration for customer convenience and preparedness.

• Email as Primary Document Delivery: The emphasis on checking email for policy documents first, and the ability to travel with a printed copy of emailed documents, highlights their digital-first approach to document delivery.
• Physical Documents: While acknowledging postal delivery 5-10 working days, they provide a practical alternative for travelers whose physical documents might not arrive in time.
• Essential Travel Items: Advising travelers to carry their insurance certificate and policy wording, or at least the policy number and emergency contact details, is sound advice that can prevent significant headaches abroad.

Overall Impression of Support: The presence of multiple, clearly defined contact numbers for different types of queries, along with email support and a dedicated FAQs section, suggests a well-structured approach to customer service. The emphasis on 24/7 emergency assistance is particularly reassuring for international travelers.

Group Types and Age Restrictions

Understanding who can be covered under an Insureandgo.ie policy and any associated age limits is crucial for families and groups planning to travel.

Defined Group Types

Insureandgo.ie categorizes policies into specific group types, which impacts pricing and who can be included under a single policy.

• Individuals: This category covers a principal insured person or multiple principal insured persons who are not spouses or common-law partners. This is suitable for solo travelers or friends traveling together who want individual coverage.
• Couple: This covers the principal insured person and his/her spouse or common-law partner. This offers a combined policy, potentially at a reduced rate compared to two separate individual policies.
• Family: This comprehensive option covers the principal insured person, his/her spouse or common-law partner, and their dependent child/children.
  • Age Limit for Children: Crucially, dependent children must be aged 17 years and younger. This specific age limit is vital for families to note, as older children may need individual policies or be added under a different group type.

Age Restrictions for Travelers

The website clearly states age restrictions for the main traveler, which is a common practice in the insurance industry due to varying risk profiles. Tcgpokemon.nl Reviews

• Minimum Age: The main traveler must be aged 18 or over. This ensures that the primary policyholder is an adult capable of entering into a contract.
• Maximum Age: The main traveler must not exceed 86. This upper age limit means that individuals aged 87 or older at the time of policy purchase may not be able to obtain coverage from Insureandgo.ie. This is a significant factor for older travelers to consider when planning their trips and seeking insurance.
• Implications of Age Limits: Age restrictions often reflect the statistical likelihood of claims, particularly for medical expenses. Insurers may offer specialized policies for older travelers through different avenues or have different terms for those beyond their standard age limits.

Impact on Policy Selection

These group types and age restrictions directly influence which policy a customer can purchase and the corresponding premium.

• Accurate Declaration: It is paramount for customers to accurately declare their group type and ages when getting a quote. Misrepresenting these details could invalidate the policy in the event of a claim.
• Dependent Children Definition: For family policies, understanding the “dependent child” definition and age limit is crucial to ensure all family members are appropriately covered.
• Alternative Options for Older Travelers: If a main traveler exceeds the 86-year age limit, they would need to seek out specialist travel insurance providers who cater to older demographics.

Customer Testimonials and Trust Signals

While the provided text doesn’t offer a direct section of customer testimonials, it does include a significant trust signal: the mention of Trustpilot.

Trustpilot Integration

The phrase “Trustpilot Get a quote” prominently displayed suggests that Insureandgo.ie either actively uses or links to its Trustpilot reviews.

• Importance of Independent Reviews: Trustpilot is a well-known independent review platform where customers can share their experiences. For potential customers, seeing a link to Trustpilot indicates transparency and a willingness to have their service judged publicly.
• What to Look for on Trustpilot:
  • Overall Star Rating: This gives an immediate snapshot of general customer satisfaction. A high average rating e.g., 4 stars and above typically indicates a positive experience for most users.
  • Number of Reviews: A large volume of reviews suggests a significant customer base and a representative sample of experiences.
  • Breakdown of Ratings: Looking at the distribution of 1-star vs. 5-star reviews provides more nuanced insight.
  • Common Themes in Reviews:
    • Positive Reviews: Often highlight competitive pricing, ease of purchase, clear policy wording, and efficient claims processing. Mentions of good customer service during emergencies are particularly powerful.
    • Negative Reviews: Frequently revolve around denied claims, difficulties with customer service, long claim processing times, or unexpected exclusions. These are critical areas for prospective customers to scrutinize.
  • Company Responses: How a company responds to negative reviews can be very telling. Professional, empathetic, and problem-solving responses indicate a commitment to customer satisfaction.
• Transparency and Credibility: By prominently featuring Trustpilot, Insureandgo.ie signals that they value customer feedback and are confident in their service quality. However, it’s always advisable for potential customers to click through to Trustpilot themselves and read recent reviews to get the most current and detailed picture of customer experiences.

Other Trust Signals

While not explicitly stated in the provided text, other elements contribute to trust in an insurance provider:

• Regulatory Compliance: Being regulated by the appropriate financial authorities e.g., Central Bank of Ireland for an Irish insurer is a fundamental trust signal.
• Longevity and Reputation: A long-standing presence in the market often indicates reliability and experience.
• Clear Terms and Conditions: As previously discussed, readily available and understandable policy wording builds trust.
• Secure Website: Indicated by HTTPS in the URL, ensuring that personal and financial data is encrypted.

The presence of Trustpilot as a visible element on the homepage is a strong initial indicator that Insureandgo.ie is aware of the importance of customer perception and is willing to have its services publicly scrutinized. Eccouncil.org Reviews

For a comprehensive review, looking at these third-party review platforms is essential.

Key Considerations Before Purchasing

Before committing to any travel insurance policy from Insureandgo.ie or any other provider, a thorough review of your personal needs and the policy’s fine print is paramount.

Assess Your Specific Travel Needs

Every trip is unique, and so should be your insurance coverage.

• Destination Risks: Are you traveling to a high-risk area? Does your destination fall within Insureandgo.ie’s covered regions? Remember the specific exclusions from their “Europe” definition Algeria, Israel, Jordan, Libya, Lebanon, Syria. Travel advisories from governmental bodies e.g., Department of Foreign Affairs should always be checked, as traveling against official advice can invalidate your policy.
• Activities Planned: Will you be engaging in any adventure sports, winter sports, or other high-risk activities? Ensure these are explicitly covered, either as standard or via an add-on like their specific Winter Sports cover.
• Value of Trip: What is the total non-refundable cost of your trip flights, accommodation, tours? This will help you determine the appropriate level of cancellation coverage.
• Personal Health: Do you have any pre-existing medical conditions? It’s crucial to declare these during the quote process and ensure they are covered, or you understand any exclusions. The “no medical screening” note for the Bronze policy suggests that some conditions might require screening for other tiers or could affect eligibility.
• Frequency of Travel: If you travel multiple times a year, an annual multi-trip policy from Insureandgo.ie might be more cost-effective than single-trip policies.

Compare Policy Details and Limits

Don’t just look at the price.

Delve into the specifics of what each policy tier offers. Smiler.co Reviews

• Coverage Limits: Compare the maximum payouts for medical expenses, cancellation, luggage, etc., across Bronze, Silver, Gold, and Platinum options. A €10 million medical expenses limit on Platinum is substantial, but assess if lower limits on other tiers are sufficient for your risk tolerance.
• Excess/Deductible: Understand the amount you would have to pay out of pocket before the insurance kicks in. This is often called the “excess” or “deductible.” While not detailed in the provided text, it’s a standard feature of most policies.
• Specific Benefit Clauses: For example, the Real-Time Flight Delay benefit is only on Gold and Platinum. If this is a key benefit for you, ensure you select the appropriate tier. Similarly, the specific conditions for the Private Health Insurance discount and how it impacts claims Insureandgo.ie acts as secondary insurer are vital to understand.
• Specific Exclusions: While common exclusions were discussed, the actual policy wording will list every specific exclusion. This is the time to be diligent and read the “fine print.” Are there any exclusions related to your destination, planned activities, or health status?

Read the Policy Wording Thoroughly

This cannot be stressed enough.

The policy wording document is the legally binding contract between you and the insurer.

• Understand Terms and Conditions: Pay close attention to definitions, conditions for claims, and specific circumstances that might lead to a claim denial.
• Claim Procedures: Familiarize yourself with the exact steps required to make a claim, including timelines for reporting incidents and required documentation.
• Emergency Contact Details: Ensure you have easy access to the 24/7 emergency contact numbers provided by Insureandgo.ie, as they are crucial for support abroad.

Consider Customer Reviews Beyond the Website

While Insureandgo.ie points to Trustpilot, take the initiative to explore reviews on independent platforms.

• Look for Trends: Do multiple reviews highlight similar issues e.g., difficult claims process, poor customer service? Or do positive reviews consistently praise specific aspects of their service?
• Company Responses: Evaluate how Insureandgo.ie responds to both positive and negative feedback on these platforms. This can offer insight into their commitment to customer satisfaction and problem resolution.

By taking these steps, you can ensure that the Insureandgo.ie policy you choose is the right fit for your travel plans, offering genuine peace of mind and appropriate financial protection.

Frequently Asked Questions

What types of travel insurance policies does Insureandgo.ie offer?

Insureandgo.ie offers Single Trip, Annual Multi-Trip, and Long Stay policies, catering to different durations and frequencies of travel. Americanflags.com Reviews

What are the main coverage levels available from Insureandgo.ie?

Insureandgo.ie typically offers Bronze, Silver, Gold, and Platinum tiers, with Platinum providing the most comprehensive coverage, including medical expenses up to €10 million.

What is covered under the “Real-Time Flight Delay” benefit?

The Real-Time Flight Delay benefit, available on Gold and Platinum policies, provides airport lounge access or a cash payment if your registered flight is delayed for more than 3 hours.

Does Insureandgo.ie cover medical emergencies abroad?

Yes, Insureandgo.ie policies provide medical expenses coverage, with the Platinum product offering up to €10 million in protection from expensive medical bills.

Is cancellation or curtailment of a trip covered by Insureandgo.ie?

Yes, all Insureandgo.ie travel insurance policies include cover for cancellation or curtailment of your trip due to an unforeseen event.

What should I do if my luggage is lost or stolen abroad?

Insureandgo.ie offers cover for lost or stolen luggage. Nxrewards.com Reviews

You should report any loss or theft to the local police as soon as possible and obtain a crime reference number, which will be needed for your claim.

How do I get emergency medical assistance when overseas with Insureandgo.ie?

You can call their medical emergency line, which is available 24 hours a day, 7 days a week, at +353 91 545908.

Can I get medical advice online with Insureandgo.ie’s policy?

Yes, Gold and Platinum policies offer complimentary access to TravelGP, providing 24/7 immediate access to professional GP advice and access to prescriptions where available.

What are the age restrictions for the main traveler on Insureandgo.ie policies?

The main traveler must be aged 18 or over but must not exceed 86 years old.

How do I retrieve my policy documents if I’ve lost them?

First, check your email for the documents. Motorvogue.co.uk Reviews

Failing that, you can call their customer service team on 091 545 904 or email [email protected].

How long does it take for policy documents to arrive by post?

Insureandgo.ie advises allowing between 5 to 10 working days for documents to arrive by post, though they aim for them to be with you sooner.

You can travel with a printed copy of your emailed documents if they don’t arrive in time.

Does Insureandgo.ie offer cover for winter sports?

Yes, Insureandgo.ie offers specific Wintersports cover, which can include loss, theft, or damage to equipment, hire of equipment, ski pack costs, extra travel/accommodation for avalanche delays, and piste closure.

Can I get a discount if I have private health insurance?

Yes, if you and each additional traveler on the policy have private health insurance providing inpatient medical cover abroad to a minimum of €55,000 per person per claim, you may qualify for a reduced premium. Morgananddavies.co.uk Reviews

How does a claim work if I have private health insurance and use the discount?

In the event of a claim for inpatient medical treatment abroad, you must claim on your private health insurance first.

Insureandgo.ie’s benefits will commence once you have reached the limit on your private health insurance policy.

What destinations are covered by Insureandgo.ie’s “Europe” policy?

The “Europe” policy Area 2 covers the Continent of Europe, The Azores, and any country or island with a Mediterranean coastline, including numerous specific countries, but explicitly excludes Algeria, Israel, Jordan, Libya, Lebanon, and Syria.

What is a “Family” group type policy with Insureandgo.ie?

A Family policy covers the Principal Insured Person, his/her spouse or common law Partner, and their dependent child/children aged 17 years and younger.

Are there any hidden transaction fees with Insureandgo.ie policies?

Based on their website, Insureandgo.ie states that they are fully transparent to their clients and there are no hidden transaction fees in your coverage.

What do I need to take on holiday with me regarding my insurance?

Insureandgo.ie advises taking your travel insurance certificate and the relevant policy wording booklet.

If unable to print, write down your policy number and the emergency medical assistance/claims line telephone numbers.

Who should I contact for non-emergency claims?

For non-emergency claims, you should call Insureandgo.ie at +353 91 545907.

What if my passport is lost or stolen abroad?

You should report the loss or theft to the local police as soon as possible and obtain crime reference details.

You should also report it to the Irish embassy in the country you are in for replacement travel documents.

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