covered2go travel insurance

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Our Award-Winning Travel Insurance

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Award-Winning Travel Insurance

 Covered2Go offer highly rated, award-winning travel insurance, providing you with complete peace of mind and protection from the moment you book your trip to the moment you arrive home.
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What is travel insurance?

You should purchase travel insurance for every trip that takes you outside of the UK. This will cover you in the event of personal injury, loss of personal possessions, cancellation of your trip and emergency medical treatment to name but a few!

The cost of your travel insurance is calculated on a number of factors including, your age, where you are travelling to and for how long. If you are planning to travel on more than one trip then you may consider purchasing an Annual Multi-Trip policy that will provide you with cover for the next 12 months where no single trip exceeds 31 days – longer durations can be arranged.

Do I need to purchase travel insurance?

Travelling away on trips and adventures is how many of us get our kicks and thrills away from our busy daily schedules and whilst most of the time these trips run smoothly, it is always advised to have a travel insurance policy in place that will take care of you when you need it most. Medical bills can be extremely costly when abroad, especially in the United States of America but with the right cover in place these costs can be avoided.

The moment you have booked any part of your trip is when you should look to get travel insurance in place as situations may arise pre-travel that mean that you simply can not go on your trip forcing you to cancel. Cancellation cover is in place the moment you purchase allowing you the comfort that your finances are covered should you not be able to travel.

Most standard travel insurance policies cover the loss of your passport, imagine the stress that could bring if you are stranded in a foreign country with no means to return home. Having a policy ensures you can focus on the reasons why you are travelling.

No matter what kind of trip you are taking, think of your travel insurance as your travel buddy, tucked away in your pocket and like any good friend – ready to help in your time of need!

What does travel insurance cover?

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What type of travel insurance is right for me?

Choosing the right travel insurance policy depends on a few things. Where you’re travelling too, how many times you plan on travelling in the year, whether you need cover for a cruise holiday or a winter sports trip… There are many things to consider.

Here are the most common types of policy:

    • Single trip: A travel insurance policy which will cover you for a one-off trip.
    • Annual multi-trip: Ideal if you’re taking more than one trip over a 12-month period. This can be more cost-effective than purchasing two or more single trip policies over the year. Our policies allow you to travel for up to 31 days per trip, or for an additional premium, you can extend your trip limit to 45 or 60 days.
    • Longstay: Recommended for travellers who choose to go on longer trips, aged between 18 and 64.
    • Worldwide: If you’re travelling to the USA, Canada or the Caribbean, a worldwide policy would be the ideal choice for you. You may find that this type of policy is more expensive than a European policy, however, this is largely due to medical costs outside the EU being much higher.
    • Winter sports: If you’re planning on a skiing or snowboarding holiday, you would need to add cover for winter sports to your policy. This cover will provide you with specific winter sports benefits such as, cover for lost or damaged ski equipment. Maximum cover of 30 days per trip on an Annual Multi-trip policy.
    • Sports and activities: For those travellers who enjoy sports and activity holidays, we have a wide range of sports and activities available which can be added to your insurance policy (we cover 110 sports and activities, as standard).
    • Couples: This type of policy is suitable for two adults, who live at the same address. Please note, couples can still travel independently of one another, if you’re thinking of purchasing an annual multi-trip.
    • Family: This provides cover for all members of the family on one policy. Kids (under 18’s, or under 23’s, in full time education and living with you) are FREE on our family travel insurance policies.
    • Group: This may be the ideal choice for you if you’re travelling in a group of up to 14 people, friends or family members, all members must be travelling from the UK.
    • Business travel: If you’re planning a business trip, you are covered to do non-manual work during your trip under this policy and it can be extended to cover manual work. Business Cover will also protect your business equipment if it is lost, stolen, damaged or destroyed. If you are unable to fulfil your business trip, due to illness, we will cover some of the costs for a replacement employee to take over.
    • Golf travel: If you’re going on a golf trip, adding golf cover may be the ideal add-on for your travel insurance policy.
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Frequently Asked Questions

Prices vary depending on certain factors, such as age, destination, the trip duration and the level of cover chosen. To obtain a quote, simply click here to Get A Quote.

Covered2go may provide cover for pre-existing medical conditions, so long as these have been declared to and accepted by our Medical Screening Service on +44 (0)330 311 2648.

Alternatively, you can complete your medical screening online. Click here to get started and you can begin screening immediately.

Please note that the policy for medical cover will run alongside your Covered2go Travel Policy.

For more information on covering pre-existing medical conditions, please click here.

The quickest and easiest way to make a claim on your Covered2Go Travel insurance is online.

  • Submit a claim online at any time
  • Upload your supporting documents
  • Save at any point and complete your claim later

Click Here to Make a Claim Online

Alternatively, please contact the Claims Service for a claim form by emailing claims@mstream.co.uk or by phone on 0330 660 0785.

Check you are covered before you claim

It’s important to check that you’re covered by your policy before you make a claim. Please read the relevant sections of the policy wording, terms, conditions, and exclusions carefully. Click here for Policy Wordings.

Single Trip & Longstay Policies – The start date and end date of the policy should correspond with the dates of travel. Cancellation cover will become effective on the date the premium is paid and the policy is issued.

Annual Multi Trip Policy – Unlike the Single Trip and Long Stay policy, an Annual policy should start when a holiday is booked (and not the start date of the first trip) so that the pre-travel cancellation cover is in force, as detailed in Section 1: Cancellation of the policy wording. All cover will terminate on the expiry date of your policy, as detailed on your certificate of insurance.

Age restrictions apply to Covered2go policies and are as follows:

  • Single Trip Policies: Maximum Age 99
  • Annual Multi-Trip Policies: Maximum Age 79
  • Longstay Policies: Maximum Age 64
  • Dependent Children Age Limit (All Policies): Financially dependent children, aged under 23 years in full time education

NOTE: If you are aged under 16 years at the time of the accident, the death benefit will be limited to funeral and other reasonable costs up to £1,000 and the permanent total disablement benefit will not apply

You should request to go to the nearest public/state medical facility. If in Europe, you should show your EHIC card, as medical treatment will be free or at a reduced cost.

IMPORTANT: The Policy does not provide cover for private healthcare.

Some hotels will urge people to seek private treatment, however, these facilities vary greatly and are not necessarily equipped to deal with all emergencies. They may also give medical attention at over inflated prices.

Helpful travel insurance information

* Please Remember – There is no cover on any of our policies if you travel against the Foreign, Commonwealth and Development Office (FCDO), government, local authority, or medical advice.

Terms and Conditions apply. Please see our Policy Wording for full details.