Good to Go cover overview
Good To Go cover specialises in providing travel insurance to holidaymakers with pre-existing medical conditions.
The insurer offers cover for a wide range of medical conditions including, heart conditions, cancer, diabetes and stroke and provides UK-based 24-hour emergency medical support.
There are also no upper age limits on single or multi-trip policies and cruise cover is included on all policies as standard.
Single-trip (up to 94 days) and multi-trip policies (unlimited trips up to 31 days at a time) are available across 3 levels of cover – Silver, Gold and Platinum.
Since 2010 goodtogoinsurance.com has insured over 360,000 travellers who may have had difficulty finding cover from a standard travel insurer due to their medical history or age.
Silver cover
Silver is the most economical travel insurance policy offered by Good To Go. It provides cover under for medical treatment and repatriation, lost medication and mobility aids only.
This may the most appropriate policy for holidaymaker who want to be assured that medical expenses are covered if they fall ill while travelling, but are not worried about having cover for cancellation or possessions.
Benefits include
- Emergency medical treatment -up to £10m
- Confined to a public hospital – £25 per day up to £1,000
- Lost medication – up to £300
- Mobility aids, lost damaged or delayed – up to £2,500
- Worldwide cover available
- Annual and single-trip policies available
Gold cover
Gold cover provides the same level of medical cover as Silver policies as well as insurance for cancellation and curtailment, personal possessions, travel delays and much more.
Benefits include
- Cancellation – up to £2,000
- Curtailment – up to £2,000
- Abandonment as a result of delays – up to £2,000
- Missed departure – up to £500
- Delayed departure (12 hours or more) – up to £100
- Cancellation after a delay of over 24 hours – up to £2,000
- Death or injury following an accident – up to £15,000
- Emergency medical treatment – up to £10m
- Confined to a public hospital – £25 per day up to £1,000
- Lost medication – up to £300
- Possessions lost, stolen or damaged – up to £2,000
- Lost or stolen cash – up to £200
- Mobility aids, lost damaged or delayed – up to £2,500
- Lost or stolen passport – up to £300
- Held legally liable for injury or damage – up to £2m
- Legal advice – up to £25,000
- Additional travel or accommodation as a result of a catastrophe while travelling – up to £1,000
- Worldwide cover available
- Annual and single-trip policies available
Classic cover
A Classic policy provides the same cover as a Gold policy with increased insurance for cancellation, curtailment and abandonment as a result of travel delays.
Benefits include
- Cancellation – up to £5,000
- Curtailment – up to £5,000
- Abandonment as a result of delays – up to £5,000
- Missed departure – up to £500
- Delayed departure (12 hours or more) – up to £100
- Cancellation after a delay of over 24 hours – up to £2,000
- Death or injury following an accident – up to £15,000
- Emergency medical treatment – up to £10m
- Confined to a public hospital – £25 per day up to £1,000
- Lost medication – up to £300
- Possessions lost, stolen or damaged – up to £2,000
- Lost or stolen cash – up to £200
- Mobility aids, lost damaged or delayed – up to £2,500
- Lost or stolen passport – up to £300
- Held legally liable for injury or damage – up to £2m
- Legal advice – up to £25,000
- Additional travel or accommodation as a result of a catastrophe while travelling – up to £1,000
- Worldwide cover available
- Annual and single-trip policies available
Defaqto 5 Star rated Platinum cover
Platinum provide is highest level of travel insurance provided by Good To Go cover. It gives the same level of cover for medical expenses, cancellation and curtailment as the insurer’s Classic policy, with increased insurance for personal possessions and no excess pay in the event of a claim.
Benefits include
- Cancellation – up to £5,000
- Curtailment – up to £5,000
- Abandonment as a result of delays – up to £5,000
- Missed departure – up to £500
- Delayed departure (12 hours or more) – up to £100
- Cancellation after a delay of over 24 hours – up to £5,000
- Death or injury following an accident – up to £15,000
- Emergency medical treatment -up to £10m
- Confined to a public hospital – £25 per day up to £1,000
- Lost medication – up to £300
- Possessions lost, stolen or damaged – up to £3,000
- Lost or stolen cash – up to £200
- Mobility aids, lost damaged or delayed – up to £2,500
- Lost or stolen passport – up to £300
- Held legally liable for injury or damage – up to £2m
- Legal advice – up to £25,000
- Additional travel or accommodation as a result of a catastrophe while travelling – up to £1,000
- Worldwide cover available
Both annual and single-trip policies available
Optional add-ons
Ski insurance
Good To Go policies can cover ski trips for people up to the age of 75 on both single-trip and annual (up to 24 days skiing per year) policies.
Cover includes:
- Medical expenses – up to £10m including mountain recovery (air ambulance if necessary)
- Ski equipment – up to £500
- Ski hire – up to £250
- Piste closure – up to £250
Sport and hazardous pursuits extension
Hazardous and sporting activities are split into the three categories. The first (A) is included as standard however an additional premium is required for categories B and C. Holidaymakers can check which category their planned activities fall under and buy the appropriate policy add-on.
Golf
For golfers, goodtoginsurance.com offers an additional level of cover which includes:
- Loss of golf equipment – up to £1,500 (£50 excess and single article limit of £300)
- Golf equipment hire – up to £375 (£50 excess)
- Loss of green fees – up to £500
- Hole in one – up to £100
Gadgets
Goodtogoinsurance.com offers cover up to £1000 for the value or cost of repair of gadgets (maximum £500 per gadget and £50 for CDs, games, tapes, cassettes or cartridges), which are lost, stolen, damaged or destroyed while travelling.
Unauthorised calls from stolen mobile phones are also covered up to £75.
The following gadgets can be covered:
Mobile phones, iPad and tablet computers, e-readers, sat nav, iPod and MP3 players, cassette players/CD players, computer games machines and any equipment used with them such as CDs, games, tapes, cassettes or cartridges.
Proof of ownerships will be required; reasonable care must be taken and gadgets must not be left unattended in a public place.
Extended travel delay
Goodtogoinsurance.com offers policy holders the ability to increase the Travel Delay Section of their cover to provide £200 for each 12-hour delay, up to a maximum of £1,000.
Missed connection extension
The policy provides cover up to £500 for additional transportation and/or accommodation expenses incurred to enable travellers to join their connecting aircraft, watercraft, train or motor vehicle to get to their pre-booked final destination.
Natural catastrophe extension
Goodtogoinsurance.com can provide additional cover for cancellation and additional expenses as a result of a catastrophic natural events such as: fire, flood, earthquake, storm, lightening, explosion, hurricane, volcanic eruption or infectious disease.
The add-on includes:
- Cover for any part of an outward, onward or return journey or whole trip which is cancelled due to a natural catastrophe up to £1,500 per person
- Cover for additional expenses that enable y travellers to return home up to £150 per day (£1,500 in total) per person
The catastrophe must be unknown and unforeseen at the time the insurance was purchased the or the policy holder booked their holiday, whichever is the latter.
Terrorism cover
All policies from goodtogoinsurance.com include cover for emergency medical expenses and repatriation as a result of a terrorist act. The insurers have partnered with Safe Journey Terrorism Travel Insurance to offer additional cover in the event of an act of terrorism.
Should holidaymakers not wish to travel, or have to curtail their trip due to terrorism, the add-on provides cover for a portion of prepaid, irrecoverable transport, accommodation, foreign car hire costs and prepaid excursions up to a maximum of £2,000 with an excursion limited to £250.
For cancellations, the terrorist event must have occurred within 42 days of the date on which a holidaymaker is due to start their trip and for both cancellation and curtailment claims, pre-booked holiday accommodation must be within 40 miles of the act.
Virtual UK Doctor Access
Goodtogoinsurance.com can provide unlimited access to a private UK General Practitioner (GP) helpline, allowing holidaymakers to speak with a doctor at a time and place that suits them while travelling.
What do customer reviews say?
Good To Go provides three levels of cover with its Platinum product receiving a 5-star rating from Defaqto for the quality of its features and benefits and cruise cover is included as standard on all levels of cover.
There is no age limit on policies and the insurer can cover range of medical conditions including more serious and even terminal diagnoses in some circumstances. This makes it an excellent choice for people with pre-existing medical conditions looking for travel insurance.
A comprehensive range of policy add-ons (including golf, terrorism & natural catastrophe, gadgets) and cover extensions are available, all offering good levels of additional cover.
Good To Go cover has an excellent reputation among its customers for the quality of its service.
