Based on checking the website, Covered2go.co.uk appears to be a legitimate and established provider of travel insurance, evidenced by their “Excellent” Trustpilot rating, multiple industry awards like the Insurance Choice Awards 2022, 2024 Finalists, and a Which? Best Buy award for their Platinum & Gold policies in 2025. They offer a range of policy types including single-trip, annual multi-trip, longstay, and specialized cover for cruises, winter sports, and various activities, aiming to provide comprehensive protection for UK residents traveling abroad.
While they cover a broad spectrum of needs, including pre-existing medical conditions, it’s crucial to note that they do not cover private healthcare facilities, emphasizing the use of public/state medical facilities for treatment.
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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 Covered2go.co.uk: A Deep Dive into Their Offerings
Covered2go.co.uk presents itself as a robust option for those seeking travel insurance.
Their platform is designed to be user-friendly, offering instant online quotes and policy delivery, which aligns with the modern traveler’s need for efficiency.
The emphasis on 24-hour emergency medical assistance highlights a key benefit for unforeseen circumstances while abroad.
Their award-winning status and high Trustpilot score 4.7 out of 5 stars suggest a generally positive customer experience, although, as with any insurance provider, individual experiences can vary based on specific claim scenarios and policy intricacies.
What is Covered2go.co.uk’s Core Business?
Covered2go.co.uk primarily focuses on providing travel insurance policies for a diverse range of travelers.
They aim to cover various travel scenarios, from leisure trips to business travel, offering peace of mind from the moment a trip is booked until the traveler returns home.
- Primary Service: Offering various travel insurance policies.
- Target Audience: UK residents planning to travel outside the UK.
- Key Value Proposition: Comprehensive protection against common travel risks such as cancellations, medical emergencies, lost luggage, and travel delays.
Types of Travel Insurance Policies Offered
Covered2go.co.uk provides a comprehensive suite of travel insurance options designed to cater to different travel frequencies and durations.
This variety allows customers to select a policy that best fits their travel habits and specific trip requirements.
- Single Trip Travel Insurance:
- Purpose: Ideal for a one-off trip.
- Coverage Duration: Up to 365 days for a single trip.
- Age Limit: Available for individuals up to 99 years old.
- Benefits: Covers cancellations, medical emergencies, lost luggage, and travel delays for that specific journey.
- Annual Multi-Trip Travel Insurance:
- Purpose: Designed for frequent travelers taking multiple trips within a year.
- Trip Limit: Each trip is typically limited to 31 days, with extensions available up to 45 and 60 days for an additional premium.
- Age Limit: Available for everyone aged up to 85 years.
- Cost-Effectiveness: Often more economical than purchasing multiple single-trip policies.
- Longstay Travel Insurance:
- Purpose: Suitable for extended trips.
- Maximum Age: Available for travelers up to 64 years old.
- Coverage: Provides cover for longer durations beyond typical single or annual multi-trip policies.
Specialized Cover and Add-ons
Beyond the standard policy types, Covered2go.co.uk also offers specialized add-ons to enhance coverage for specific travel activities or circumstances.
This modular approach allows for tailored protection. Eastendprints.co.uk Reviews
- Cruise Cover:
- Extension: An add-on to standard travel insurance.
- Specific Benefits: Covers cruise-related issues like medical emergencies on board or in harbor, missed ports, cruise attire, and shore excursions.
- Importance: Crucial for cruise holidays where standard policies might not fully cover unique maritime risks.
- Winter Sports Cover:
- Extension: An extra premium add-on for skiing or snowboarding holidays.
- Specific Benefits: Insures against injury during winter sports, lost ski/snowboard equipment, loss of ski pass, piste/avalanche closure, and personal liability.
- Consideration: Essential for anyone planning winter sports, as these activities carry specific risks not typically covered by basic travel insurance.
- Sports and Activities Cover:
- Scope: Covers 110 sports and activities as standard.
- Flexibility: Allows travelers to add coverage for various adventurous pursuits, ensuring they are protected while engaging in their preferred activities.
- Business Travel Cover:
- Purpose: For individuals traveling for work.
- Coverage: Covers non-manual work as standard and can be extended for manual work.
- Additional Benefits: Protects business equipment if lost, stolen, or damaged, and can cover costs for a replacement employee due to illness.
- Golf Travel Cover:
- Add-on: Specifically for golf trips.
- Benefits: Covers golf-related specifics, providing peace of mind for golf enthusiasts.
Key Features and Benefits Highlighted
Covered2go.co.uk emphasizes several features designed to enhance the customer experience and provide robust protection.
These features collectively contribute to their claimed “Award-Winning Travel Insurance.”
- 24 Hour Emergency Medical Assistance:
- Availability: Round-the-clock support for medical emergencies abroad.
- Scope: Includes repatriation and curtailment assistance, which are critical in severe medical situations.
- Relevance: This is a cornerstone of travel insurance, as medical bills abroad can be prohibitively expensive.
- All Medical Conditions Considered:
- Process: Requires declaration and acceptance by their Medical Screening Service. This can be done online or via phone.
- Importance: Crucial for travelers with pre-existing conditions, as undeclared conditions can invalidate claims.
- Caveat: While considered, coverage is not guaranteed for all conditions, and specific terms will apply.
- Safe and Secure Online Booking:
- Convenience: Allows for quick and secure purchase of policies online.
- Efficiency: Instant online policy delivery.
- Online Claim Submission:
- Ease of Use: Simplifies the claims process, allowing customers to submit claims and upload documents online anytime.
- Flexibility: Option to save and complete claims later.
Understanding Policy Inclusions and Exclusions
It’s vital for any potential policyholder to delve into the specifics of what is covered and, perhaps more importantly, what isn’t.
Covered2go.co.uk outlines several key areas of cover.
- Cancellation or Curtailment:
- Coverage: Reimburses unused and non-refundable travel and accommodation costs if the trip needs to be cancelled or cut short.
- Effective Date: Cancellation cover is effective from the date the premium is paid and the policy is issued, underscoring the importance of purchasing insurance as soon as a trip is booked.
- Personal Possessions:
- Coverage: Provides cover if bags or personal items are lost, damaged, or stolen, up to specified policy limits.
- Consideration: Policy limits for possessions can vary, so it’s wise to check if high-value items are adequately covered or require separate insurance.
- Medical Expenses:
- Coverage: Covers financial expenses for injury, illness, or death during the trip outside the UK.
- Crucial Note: The policy does not provide cover for private healthcare. This is a significant point, as travelers are advised to seek public/state medical facilities, and the EHIC card should be used in Europe where applicable. Ignoring this could lead to substantial out-of-pocket expenses.
- Transport / Flight Delays:
- Coverage: Covers costs associated with delays during the trip.
- Personal Liability:
- Coverage: Provides legal expenses if the policyholder is held responsible for causing damages or injury to another person while on holiday.
Age Restrictions and Dependent Children
Age is a factor in Covered2go.co.uk’s policies, as are provisions for dependent children.
- Single Trip Policies: Maximum age 99 years.
- Annual Multi-Trip Policies: Maximum age 85 years.
- Longstay Policies: Maximum age 64 years.
- Dependent Children: Financially dependent children under 23 years old and in full-time education are generally free on family policies. There are specific limitations for death benefit and permanent total disablement for those under 16 years.
Claims Process and Customer Support
A clear and accessible claims process is critical for any insurance provider.
Covered2go.co.uk provides multiple avenues for customers to make a claim.
- Online Claims:
- Method: The quickest and easiest way to make a claim is online.
- Features: Customers can upload supporting documents and save their progress to complete later.
- Contacting Claims Service:
- Email: [email protected]
- Phone: 0330 660 0785
- Pre-Claim Check: It’s explicitly advised to review policy wording, terms, conditions, and exclusions carefully before making a claim to ensure coverage. Policy wordings are accessible on their website.
Trustpilot and Award Recognition
Covered2go.co.uk prominently displays its “Excellent” Trustpilot rating and several industry awards.
This signals a commitment to customer satisfaction and industry standards.
- Trustpilot Rating: 4.7 out of 5 stars, indicating a high level of customer satisfaction. Such a high rating, especially with a significant number of reviews, lends credibility to their service.
- Insurance Choice Awards:
- 2022 & 2024 Finalists: Best Travel Insurance Provider.
- 2025: Which? Best Buy for Platinum & Gold policies.
- Significance: These awards suggest peer recognition and independent validation of their product quality and service. Winning the Which? Best Buy specifically indicates a strong consumer recommendation.
Factors Influencing Policy Cost
The cost of travel insurance is not static and depends on several variables. Metrofixings.co.uk Reviews
Covered2go.co.uk outlines these factors to help customers understand pricing.
- Age of Traveler: Older travelers typically face higher premiums due to increased health risks.
- Destination: Travel to countries with high medical costs, like the USA, Canada, or the Caribbean, will result in higher premiums for “Worldwide” policies compared to “European” policies.
- Trip Duration: Longer trips generally incur higher costs due to extended risk exposure.
- Level of Cover Chosen: Policies with higher limits for medical expenses, cancellation, or personal possessions will naturally be more expensive.
- Pre-Existing Medical Conditions: Declaring and covering pre-existing conditions will usually increase the premium.
- Add-ons: Including specialized covers like Winter Sports, Cruise, or specific activities will add to the overall cost.
Important Considerations and Disclaimers
Like all insurance policies, there are crucial disclaimers and terms to be aware of. Covered2go.co.uk highlights a significant one:
- FCDO, Government, Local Authority, or Medical Advice: There is no cover on any policies if you travel against advice from the Foreign, Commonwealth and Development Office FCDO, government, local authority, or medical advice. This is a critical exclusion, particularly relevant during times of global health crises or political unrest. Travelers must check official advice before and during their trips.
- Policy Wording: It is consistently advised to refer to the policy wording for full details, terms, conditions, and exclusions. This document is the definitive source of truth for coverage.
Frequently Asked Questions
What is Covered2go.co.uk?
Covered2go.co.uk is an online provider of travel insurance policies, catering primarily to UK residents traveling abroad, offering various types of coverage from single trips to annual multi-trip plans.
Is Covered2go.co.uk a reputable travel insurance provider?
Yes, Covered2go.co.uk appears to be a reputable provider, evidenced by an “Excellent” 4.7 out of 5-star rating on Trustpilot, multiple Insurance Choice Awards, and a Which? Best Buy award for their Platinum & Gold policies in 2025.
What types of travel insurance does Covered2go.co.uk offer?
Covered2go.co.uk offers Single Trip, Annual Multi-Trip, and Longstay travel insurance policies, along with specialized add-ons like Cruise Cover, Winter Sports Cover, Sports and Activities, Business Travel, and Golf Travel.
Do I need to purchase travel insurance from Covered2go.co.uk?
It is always advised to have travel insurance for any trip outside the UK, and Covered2go.co.uk is one option to consider to cover unforeseen events like medical emergencies, cancellations, or lost possessions.
When should I purchase travel insurance from Covered2go.co.uk?
You should look to get travel insurance in place the moment you have booked any part of your trip, as cancellation cover typically becomes effective from the date the premium is paid and the policy is issued.
Does Covered2go.co.uk cover pre-existing medical conditions?
Yes, Covered2go.co.uk may provide cover for pre-existing medical conditions, provided they are declared and accepted by their Medical Screening Service, which can be completed online or by phone.
How do I make a claim with Covered2go.co.uk?
The quickest way to make a claim with Covered2go.co.uk is online through their website, where you can submit claims and upload supporting documents.
Alternatively, you can contact their Claims Service via email or phone for a claim form. Uniform-direct.com Reviews
Does Covered2go.co.uk cover private healthcare?
No, the policies provided by Covered2go.co.uk explicitly state they do not provide cover for private healthcare facilities.
You should request to go to the nearest public/state medical facility.
What is the maximum age for Covered2go.co.uk policies?
The maximum age varies by policy type: 99 for Single Trip, 85 for Annual Multi-Trip, and 64 for Longstay policies.
Are dependent children covered under Covered2go.co.uk family policies?
Yes, financially dependent children under 23 years old and in full-time education are typically covered for free on Covered2go.co.uk family travel insurance policies.
What does “cancellation or curtailment” cover mean for Covered2go.co.uk?
This covers the expenses of unused and non-refundable travel and accommodation costs in case you need to cancel or cut short your trip due to a covered reason.
Will Covered2go.co.uk cover me if I travel against FCDO advice?
No, there is no cover on any Covered2go.co.uk policies if you travel against the Foreign, Commonwealth and Development Office FCDO, government, local authority, or medical advice.
What is the trip limit for Annual Multi-Trip policies with Covered2go.co.uk?
The standard trip limit for Annual Multi-Trip policies is 31 days per trip, with extensions available up to 45 and 60 days for an additional premium.
What if my luggage is lost, damaged, or stolen during my trip?
Covered2go.co.uk’s Personal Possessions cover provides protection if your bags are lost, damaged, or stolen, up to the policy limits.
How are Covered2go.co.uk policy costs calculated?
Policy costs are calculated based on factors such as your age, destination, trip duration, level of cover chosen, and whether you include any pre-existing medical conditions or specialized add-ons.
Does Covered2go.co.uk offer 24-hour emergency assistance?
Yes, Covered2go.co.uk provides 24/7 emergency medical assistance should you require medical emergency help abroad, repatriation, or curtailment while on holiday. Tagmobile.com Reviews
Can I get a quote instantly from Covered2go.co.uk?
Yes, Covered2go.co.uk offers instant online quotes and policy delivery through their website.
What is the difference between Single Trip and Annual Multi-Trip policies?
Single Trip policies cover one specific trip, while Annual Multi-Trip policies cover an unlimited number of trips within a 12-month period, subject to individual trip duration limits.
Does Covered2go.co.uk offer cover for winter sports activities?
Yes, you can add winter sports cover to your policy for an extra premium, which will insure you for specific winter sports risks like injury, lost equipment, and piste/avalanche closure.
Where can I find the full terms and conditions for a Covered2go.co.uk policy?
The full terms, conditions, and exclusions for Covered2go.co.uk policies are available in their Policy Wordings, which are accessible on their website.
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