Have you ever found yourself sitting in a foreign hospital, unsure of what to do next and feeling completely alone? Or maybe your trip has been cancelled due to unforeseen circumstances and you’re left scrambling to get your money back.
Whatever the case may be, traditional travel insurance may not be enough to fully protect you during your travels.
That’s why today, we’re taking a deeper look into the world of comprehensive travel protection, and why it’s more important than ever to invest in coverage that goes beyond basic insurance. So, sit tight and let’s dive in to explore the benefits of more than just travel insurance.
Table of Contents
1. More Than Travel Insurance no longer available for purchase
More Travel Insurance, a comprehensive travel insurance that covers unexpected issues before and during your trip, is no longer available for purchase in English language. This means that travelers looking for protection and security for their next vacation will need to consider other options. While the product may no longer be available, it’s important to consider the benefits of having travel insurance for your trips.
When shopping for travel insurance, it’s essential to find an insurance carrier that meets your needs. There are several options available in the marketplace, including aggregator sites that let you compare different carriers based on both price and coverage. These sites, like Squaremouth, also provide verified customer reviews to help travelers feel confident about their purchase. Alternative methods include directly visiting a specific carrier’s website or using a third-party provider when booking your reservations.
A standard travel insurance policy generally provides coverage for three things: financial expenses, well-being, and personal belongings. This means that a policy can reimburse you for prepaid non-refundable trip deposits if a trip is canceled for a covered reason, such as illness, injury, or death of the traveler, close family member, or traveling companion. Policies can be helpful even for day trips or when staying closer to home, making it important to consider purchasing one.
In terms of travel insurance policies, there are two types to consider: single-trip and multi-trip. Single-trip policies are for when you leave home, travel for a time, then return home, while multi-trip policies cover multiple trips over the course of a year. The latter usually has a limit on how long each trip can be covered for, usually 30-75 days, and requires primary health insurance in place in the US. While multi-trip plans don’t cover trip cancellation or delay of travel, they can be financially beneficial to frequent travelers.
Overall, despite the unavailability of More Than Travel Insurance, there are still several options available for travelers looking for comprehensive travel insurance coverage. It’s important to consider the benefits and limitations of different policies and to shop around for the best one to meet your specific needs. Having travel insurance can add an extra layer of protection and peace of mind for any unexpected issues that may arise during your travels. [1][2]
2. Eligibility for policy renewal with More Than Travel Insurance
More Than Travel Insurance provides comprehensive coverage for travelers looking for peace of mind and protection against unexpected losses during their trip. One of the standout features of this policy is the eligibility for policy renewal, which allows travelers to continue their coverage even after their initial policy has expired. This ensures that they can remain protected against any unexpected events that may occur during their upcoming trips. Renewals are typically available for up to a year, depending on the policy and the traveler’s circumstances.
To be eligible for policy renewal with More Than Travel Insurance, the traveler must meet certain requirements. These may include having a clean claims record and no outstanding balances from previous trips covered by the policy. Additionally, some policies may require travelers to provide proof of their continued eligibility for coverage, such as updates to their medical history or travel plans. It is important to review the specific requirements for policy renewal for each policy before purchasing to ensure that the traveler can qualify for renewal if necessary.
In addition to eligibility for policy renewal, More Than Travel Insurance offers robust coverage options, including protection for trip cancellations or interruptions, emergency medical expenses, and lost or stolen luggage. Travelers can customize their policies to fit their unique needs and budget, with options for both single-trip and annual multi-trip policies. The policy is also designed to provide coverage for a wide range of travelers, including solo travelers, families, and seniors.
Overall, More Than Travel Insurance is a great option for travelers looking for reliable coverage and the flexibility to renew their policies as needed. With a wide range of coverage options and eligibility for policy renewal, this policy ensures that travelers can enjoy their trips with the peace of mind knowing that they are protected against unexpected losses. [3][4]
3. Steps to take if policy renewal is not possible with More Than Travel Insurance
More Travel Insurance provides travelers with comprehensive coverage during their trips. However, situations may arise where policy renewal is not possible. In this case, taking the following steps is recommended to ensure that travelers are still protected during their travels.
Firstly, travelers should consider purchasing a new travel insurance policy from another provider. Many travel insurance providers offer similar coverage options, and it is essential to compare policies to find one that best suits specific needs. The new policy should provide coverage for cancellation and interruption, medical expenses, and emergency medical evacuation.
Secondly, travelers should notify More Than Travel Insurance that they will not be renewing their policy. This ensures that the provider is aware of the decision and can cancel the existing policy. Cancellation of the policy will prevent travelers from being billed for the policy renewal.
Thirdly, travelers should ensure that they understand the coverage provided by the new policy they choose to purchase. It is essential to read the terms and conditions carefully and ask any questions about the policy before committing. Reviewing the policy documents will help travelers understand the coverage limits, exclusions, and requirements of the new policy.
Finally, travelers should keep copies of their new policy documents in a secure place and carry them with them while traveling. This ensures that they have proof of insurance coverage in case of an emergency or any other situation that may require it.
In conclusion, if policy renewal with More Than Travel Insurance is not possible, travelers should follow these steps to ensure that they remain protected during their travels. Purchasing a new policy, notifying the previous provider, understanding the coverage, and carrying the policy documents are critical to ensuring a worry-free travel experience. [5][6]
4. Comparison of InsureandGo Travel Insurance with More Than Travel Insurance
InsureandGo Travel Insurance and More Than Travel Insurance are two companies that provide travel insurance policies to people who are traveling abroad. However, More Than Travel Insurance is not currently available, and those looking for travel insurance can explore the options provided by InsureandGo. InsureandGo has a wide range of policies to choose from, including single trip policies and annual multi-trip cover. The policies are tailored to suit different budgets and cover levels, and they cater to people who have pre-existing medical conditions. With over 27 million people covered since 2000, InsureandGo has proven to be a specialist in the field of travel insurance.
One of the benefits of purchasing a travel insurance policy from InsureandGo is the fact that all policies cover a range of essential items, including cancellation cover, medical expenses, Covid cover, and baggage cover. Additionally, the policies cover over 100 sports and activities, from abseiling to yoga to zip-lining. All policies give customers access to their 24-hour emergency assistance team, ensuring that they are covered no matter what happens. InsureandGo’s Gold and Black policies have received a 5-star rating from independent experts, giving customers peace of mind when purchasing a policy.
Another advantage of InsureandGo is the fact that they can cover children for free when accompanied by their parents under the same policy. This is true for both annual policies and single trip policies, and it covers over 50 activities and sports as standard. InsureandGo is regulated by the Financial Conduct Authority and is remunerated by commission for the arrangement service and renewal of the insurance policy on behalf of customers. They may also receive a profit share payment from some of their insurers if they achieve performance targets across their product portfolio.
When comparing policies, it is essential to note that More Than Travel Insurance does not offer policies at this time, and InsureandGo can be an excellent alternative for those looking for affordable and reliable coverage. InsureandGo provides coverage for the UK, the EU, and worldwide destinations, excluding certain areas. Customers should check the latest travel alerts before purchasing a policy, especially if they are traveling to a conflict zone. Overall, InsureandGo provides cost-effective and comprehensive coverage for travel insurance and is a good alternative to More Than Travel Insurance. [7][8]
5. InsureandGo Travel Insurance: a good alternative to More Than Travel Insurance
When it comes to travel insurance, More Than is a well-known provider in the UK. However, if you’re unable to purchase their insurance at the moment, InsureandGo can offer you a good alternative. As a specialist in travel insurance, InsureandGo has covered over 27 million people since 2000, and their Gold and Black policies have been given a 5-star rating by independent experts at Defaqto. They offer different cover levels, so you can choose a policy to suit both your trip and budget.
One great advantage of InsureandGo is their 24-hour emergency assistance team which can provide support if you have a medical emergency or have to cancel your trip unexpectedly. Additionally, they consider pre-existing medical conditions, so if you have any, don’t hesitate to get a quote from them. With InsureandGo’s travel insurance, you’ll be covered for essential things like medical expenses, baggage, and cancellation. Moreover, their policies include COVID cover, which is crucial in the current climate.
If you’re an adventurer and want to try different activities while on your travels, InsureandGo has you covered with over 100 sports and activities included in their policies. Their comprehensive list covers everything from yoga to abseiling to zip-lining. They also offer free cover for kids, so if you’re traveling with your children, you won’t have to pay any extra charges for their insurance.
In conclusion, if you were looking for a new policy or a replacement for More Than travel insurance, InsureandGo can provide you with reliable and affordable travel insurance. They have a team of specialists with years of experience who can guide you through the process and make sure you choose the best policy for your trip. Don’t hesitate to get a quote from InsureandGo to secure your trip today. [9][10]
6. Travel Insurance Specialists: InsureandGo
InsureandGo is a travel insurance specialist that can offer you an alternative to More Than travel insurance. While More Than is not currently available, InsureandGo has a range of policies to suit your needs. With over 20 years of experience, InsureandGo has covered over 27 million people since 2000 and offers a variety of cover levels to fit your budget and trip details. Its Gold and Black policies have even been awarded 5-star ratings by the independent experts at Defaqto.
InsureandGo offers a range of coverages, from single trip policies to annual multi-trip plans, ensuring that you find the coverage that best suits your needs. With access to a 24-hour emergency assistance team, you can rest assured you’ll be taken care of in an emergency. InsureandGo also considers all pre-existing medical conditions, so there’s no need to worry about exclusions.
When you purchase travel insurance from InsureandGo, you’ll be covered for all the essentials like cancellation, medical expenses, Covid cover, and baggage. Additionally, InsureandGo can cover over 100 sports and activities, so you can enjoy your adventures worry-free.
Traveling with children? InsureandGo offers free coverage for children under the age of 18 when accompanied by an adult with an InsureandGo policy. And with a range of activities and sports coverage, it’s easy to keep the whole family covered under one policy.
Overall, if you’re looking for an alternative to More Than travel insurance, InsureandGo can offer you peace of mind knowing that you’re covered for all the important things on your trip. With a quick and easy online quote process, it’s simple to get covered in just a few clicks. [11][12]
7. Pre-existing Medical Conditions covered by InsureandGo Travel Insurance
InsureandGo offers a travel insurance policy that covers pre-existing medical conditions to help travelers avoid the massive bills that an emergency can incur. The policy provides a minimum of £5 million cover for medical expenses, with coverage varying from company to company, making it a significant part of any travel insurance policy. Pre-existing medical conditions include all illnesses or conditions that occurred before taking out insurance and range from mild asthma to severe cancer. It is essential to declare all medical conditions when buying insurance, and there may be an extra cost for the cover. InsureandGo considers all pre-existing conditions and offers a policy that suits the traveler.
The cost of travel insurance for medical conditions can vary, and policyholders with pre-existing conditions need to answer a few questions regarding their health status to determine whether they can be covered and if additional payment is required. Some conditions may be covered free of charge, while others may need extra coverage, depending on their severity. InsureandGo considers all medical conditions, including recurrent illnesses, on-going or lifelong conditions, previous surgeries, and current conditions.
Travel insurance policies from InsureandGo have no age limits and can cover people of any age, including those with pre-existing medical conditions. The policy covers a range of medical conditions, including cancer, heart conditions, diabetes, asthma, and many others. It is essential to declare all pre-existing medical conditions when getting a travel insurance quote. Failure to declare any previously existing conditions may invalidate the policy and result in denied claims.
Not all pre-existing conditions may be covered by the insurance policy. Additionally, policyholders may not be covered if they are seeking medical tests or treatment, are against medical advice, or have been diagnosed with a terminal condition. The policy may not cover claims arising from their condition or treatment if they are undergoing chemotherapy for cancer, for example. It is vital to understand the exclusions when purchasing travel insurance for pre-existing medical conditions. [13][14]
8. Coverage included with InsureandGo Travel Insurance policies
InsureandGo Travel Insurance policies offer comprehensive coverage for those looking to protect themselves while on holiday. The policies cover costs associated with cancellations, medical emergencies, and lost or damaged baggage. Medical expenses can be especially costly when abroad, which is why InsureandGo policies include coverage for emergency treatment as well as repatriation to the UK in extreme cases. Customers can choose from Budget, Silver, Gold, and Black levels of coverage, depending on their individual needs.
InsureandGo Travel Insurance policies offer a range of coverage for flights and holidays, accommodating all types of travel. The policies also offer the flexibility to declare any pre-existing medical conditions. The team is committed to finding the best policy for the client’s specific needs, taking into consideration the location and duration of the trip, as well as any pre-existing medical conditions the customer may have. Customers can compare prices easily on the website and purchase the policy that best fits their needs.
InsureandGo’s Budget Annual Policy is perfect for frequent travelers who are always on the go. This policy covers multiple trips of up to 31 days per trip. Customers can choose their destination from up to three different regions, depending on their travel needs, allowing them to save money by not purchasing worldwide coverage. InsureandGo also offers coverage for specific countries, such as Egypt and Morocco, for those traveling to that region.
InsureandGo policies include options for policy upgrades to ensure that customers have all the coverage they need for their specific trip. The upgrades are tailored to the customer’s plans, such as adventure sports coverage for those planning to skydive or scuba dive. Customers can also choose optional add-ons like winter sports coverage, cruise coverage, and extra coverage for valuable items like laptops and tablets.
InsureandGo Travel Insurance policies have received excellent reviews from satisfied customers. The policies offer customers peace of mind while traveling, and the claim process is straightforward, making it easy for customers to receive payment for out-of-pocket expenses. Whether traveling solo or as a family, InsureandGo has a policy that will suit your needs and help protect you while on holiday. [15][16]
9. Kids covered for free with InsureandGo Travel Insurance policies
InsureandGo, a renowned travel insurance provider, offers comprehensive coverage for families with their Kids Go Free policy. Parents can now enjoy their vacation with peace of mind, knowing that their children are well-insured at no extra charge. This policy is applicable to all InsureandGo policies and is ideal for families looking for a budget-friendly travel insurance solution. With InsureandGo’s Kids Go Free policy, parents can now look forward to memorable family holidays without having to worry about additional insurance costs for their children.
InsureandGo also offers COVID-19 coverage in their One-Trip and Cruise Policies (Silver and Gold). With the pandemic still affecting travel plans, this is a valuable add-on for travelers who need to ensure that they are covered for unforeseen COVID-related incidents. InsureandGo is committed to providing travelers with the highest level of protection and peace of mind during these challenging times.
It’s important to note that while InsureandGo covers a wide range of destinations, it’s crucial to check the latest travel alerts before buying a policy. Due to the current conflict in Ukraine, InsureandGo policies exclude coverage for any trips to Russia, Ukraine, or Belarus. It’s always best to be up-to-date on the latest travel advisories and restrictions for your chosen destination.
For those traveling domestically or on a cruise, InsureandGo offers One-Trip and Cruise Policies that provide comprehensive coverage. However, it’s important to note that Domestic One-Trip Travel Insurance does not cover any medical and evacuation expenses incurred in Australia or while traveling on a domestic or international cruise. Therefore, if you’re going on a cruise and would like to be covered for onboard medical expenses and evacuation, you must choose either the Cruise Travel Insurance or the Annual Multi-Trip Travel Insurance option.
Overall, InsureandGo is a reliable travel insurance provider that offers a range of policies to suit the diverse needs of travelers. With their Kids Go Free policy and COVID-19 coverage, InsureandGo has made travel insurance more accessible, affordable, and flexible for families. [17][18]
10. InsureandGo Insurance Services Limited: authorised and regulated by the Financial Conduct Authority
InsureandGo Insurance Services Limited offers a comprehensive travel insurance policy that covers a wide range of eventualities, from lost or damaged baggage to medical expenses and cancellation costs. With four levels of cover available, including Budget, Silver, Gold, and Black, you can choose the policy that best meets your needs, whether you’re planning a weekend break or a month-long getaway.
One of the key benefits of InsureandGo’s travel insurance is that it covers an unlimited number of trips, giving you the flexibility to travel as often as you like throughout the year. It also offers cover for trips taken within the United Kingdom, Europe, and worldwide, so you can choose the right level of cover for your destination.
When it comes to choosing the best policy for your needs, InsureandGo takes into account a range of factors, including your destination, the length of your trip, and any pre-existing medical conditions. By getting a quote and comparing prices, you can find a policy that fits your budget as well as your requirements.
InsureandGo’s travel insurance policies come with several elements of cover as standard, including emergency medical expenses up to £5 million, cancellation and curtailment cover up to £10,000, and personal liability cover up to £2 million. Optional upgrades are also available, such as cover for winter sports, hazardous activities, and pre-existing medical conditions.
To get the best value for money, it’s important to check what is covered by your travel insurance policy before you buy. Cheap policies may not offer the level of cover you need, particularly if you’re taking expensive items or travelling to destinations outside of Europe. InsureandGo’s policies offer comprehensive cover at competitive prices, giving you peace of mind when you travel. [19]
