Travel Insurance

What Travel Insurance does

InsureandGo Travel Insurance is a UK-headquartered travel insurance intermediary that arranges and administers travel insurance policies for individual UK consumers, organised under IES Limited (Gibraltar-licensed insurance intermediary, FSC25393; FCA FRN 824283) with UK administration by Insure & Go Insurance Services Limited (FCA FRN 309572). The company has operated for 25+ years since founding in 1999 and reports serving 27 million+ travellers over that period.

The product surface is a tiered coverage architecture — Budget, Silver, Gold and Black tiers — available as single-trip or annual multi-trip policies, with optional add-ons for Cruise, Winter Sports, Golf and Activities/Extreme Sports. Core benefits scale by tier, including medical cover ranging from £5 million (Budget) to unlimited (Black), repatriation cover, cancellation up to £10,000, and baggage up to £3,000. Specialist products address pre-existing medical conditions (cancer, heart disease, diabetes, epilepsy, asthma, dementia) and seniors with no upper age limit, plus destination-specific policies for the USA, Australia, Canada, Thailand, Turkey, India and European markets. Gold and Black tiers carry Which? Best Buy and 5-star Defaqto ratings, and 97% of customers rate the service 'Excellent' or 'Great' on Trustpilot (2025).

The business model is direct-to-consumer: customers obtain quotes and purchase policies via the company website (self-serve, mobile-optimised with live chat) or via UK freephone telephone sales (staffed by travel insurance specialists, including weekends). Revenue is generated through premium collection at the point of purchase across four tiers and multiple add-ons, with 99.5% of customers being offered cover on completed quotes (March 2025-February 2026) and 99%+ of claims paid within 5 working days. Marketing operates across website, telephone, social channels (Facebook, Twitter/X, LinkedIn, Instagram), a blog, a Refer-a-Friend programme and an Affiliate Programme. There is no proprietary technology platform disclosed, no API or app product, and no disclosed AI capabilities; the company appears to be a profitable, privately-held, bootstrapped intermediary with 251-500 employees based between Bristol (firmographic HQ) and Southend-on-Sea (UK admin office), with a registered office in Gibraltar.

Name

Travel Insurance

Legal name

InsureandGo Travel Insurance (arranged by IES Limited; administered by Insure & Go Insurance Services Limited)

Website

https://travelinsurance.co.uk

Company type

Private

Founded year

1999

Operating status

Operating

Headcount range

251–500 employees

Short description

InsureandGo is a UK-headquartered travel insurance intermediary (FCA-regulated via Gibraltar-licensed IES Limited) selling direct-to-consumer single-trip and annual multi-trip policies across Budget, Silver, Gold and Black tiers, plus specialist cover for seniors, pre-existing medical conditions and destination-specific trips, to individual UK outbound travellers.

Ownership category

akta.pro rank

Product category

Travel Insurance

NAICS

Insurance Agencies and Brokerages (524210), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411), Accident & Health Insurance (6321)

akta.pro primary industry

Travel Insurance (Trip Cancellation/Interruption & Delay) (FSAJAJAA)

akta.pro secondary industries

Baggage & Personal Effects Insurance (FSAJAJAE), Adventure Sports & High-Risk Activity Travel/Accident Insurance (FSAJAJAL)

Keywords

• Travel insurance
• Trip cancellation coverage
• Medical travel insurance
• Single trip insurance
• Annual travel insurance

Headquarters

HQ city

Bristol

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Operations, Marketing or Sales, Personnel

Revenue model

1. Travel Insurance Policies: InsureandGo generates revenue through the sale of travel insurance policies. They offer four tier levels (Budget, Silver, Gold, Black) across two policy types: single-trip and annual multi-trip travel insurance. Additional revenue comes from optional add-ons such as cruise cover, winter sports cover, and golf cover. Premiums are collected at point of purchase.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels9 records

Core offering

InsureandGo Travel Insurance is a UK-based direct-to-consumer travel insurance provider that sells policies to individual travellers. The company offers tiered travel insurance products (Budget, Silver, Gold, and Black) covering trip-related risks such as cancellation, medical emergencies, and other travel contingencies. The business sells its own insurance products directly to consumers online rather than acting as a broker or aggregator.

Product overview

InsureandGo offers a tiered travel insurance platform with four coverage levels (Budget, Silver, Gold, Black) available as single-trip or annual multi-trip policies. The core product provides medical emergency coverage, repatriation, cancellation protection, and baggage cover with varying limits per tier. Specialist add-ons include Cruise, Winter Sports, Golf, and Activities/Extreme Sports coverage. The company targets diverse demographics including families, couples, groups, and seniors (with no upper age limits), and offers destination-specific policies for Europe, Worldwide, and UK travel. Pre-existing medical conditions coverage is available (except on Budget tier) for conditions including cancer, heart disease, diabetes, epilepsy, and asthma. Gold and Black tiers have achieved Which? Best Buy status and 5-star Defaqto ratings.

Differentiator

Problem solved

Functional benefit

Products and services

• Budget Travel Insurance

Quantifiable outcome

• 99% of customers would recommend InsureandGo to friends
• +4 more outcomes

Named customers5 records

Segments7 records

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• IES LimitedcoreOthersIES Limited is the insurance intermediary that arranges InsureandGo Travel Insurance. It is licensed and regulated by the Gibraltar Financial Services Commission (FSC25393) and operates into the UK on a freedom of services basis (FCA FRN 824283). IES Limited is the parent/legal entity behind the InsureandGo brand.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Staysure: UK-based specialist travel insurance intermediary targeting over-50s travellers and pre-existing medical conditions. Closely comparable to InsureandGo by customer profile (seniors), product mix (single-trip and annual multi-trip with medical screening) and distribution (direct-to-consumer online with phone support).
• Just Travel Cover: UK price-comparison and direct travel insurance intermediary offering tiered cover and a panel of underwriters. Comparable to InsureandGo as a competing direct-to-consumer travel insurance intermediary in the UK.
• Post Office Travel Insurance: High-street UK travel insurance brand distributed via the Post Office, with tiered cover and a broad demographic reach. A relevant comparable on distribution scale, tiered architecture, and UK market share.
• Avanti Travel Insurance: UK specialist travel insurance provider focused on older travellers and pre-existing medical conditions. Comparable to InsureandGo as a competing direct-to-consumer intermediary offering tiered cover and add-ons including cruise cover.
• Coverwise Travel Insurance: UK travel insurance intermediary offering single-trip and annual policies with specialist cover for pre-existing medical conditions. Comparable as a smaller UK specialist directly competing for the same customer profile.
• Columbus Direct: Long-standing UK travel insurance specialist offering single-trip and annual cover with add-ons including cruises and winter sports. Comparable to InsureandGo by product architecture and UK distribution focus.
• AllClear Travel Insurance: UK travel insurance intermediary with deep specialisation in pre-existing medical conditions (cancer, heart, diabetes). Directly comparable to InsureandGo on target demographic, underwriting approach, and broker-led model.
• Saga Travel Insurance: UK travel insurance product primarily targeting the over-50s demographic, with no upper age limit positioning. Closely comparable to InsureandGo's senior-traveller and no-age-limit value proposition.

Broad incumbents

• AIG Travel: International insurer offering travel insurance products in the UK via direct and broker channels. Comparable on product category but operates at greater scale and as a carrier rather than a pure intermediary.
• Allianz Travel: Global travel insurance and assistance provider with material UK presence. Comparable to InsureandGo at the category level (travel insurance products) but operates as a major incumbent with broader product and geographic portfolio.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/insureandgo
• Facebookfacebook.com/InsureandGo
• LinkedInlinkedin.com/company/insureandgo
• Instagraminstagram.com/insureandgouk

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Travel Insurance