InsuranceWith - Travel Insurance reviews

Insurancewith was founded in 2007, when insurance professional Fiona Macrae was unable to find reasonably priced travel insurance to cover her cancer diagnosis. She created Insurancewith with the aim of providing fair and affordable travel insurance policies, regardless of their medical condition.


Ranked #1 of 61 Travel Insurance providers based on 2508 reviews

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Quotes our team received:

  • European Travel £17.35
  • Worldwide Travel* £50.89

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Choose from three levels of travel insurance

InsuranceWith travel insurance currently offer three policies, ranging from Single Trip to Longstay cover. Each policy includes a variety of benefits and competitive cover. There is a useful guide to the type of benefits below.

There is also a payable excess for each claim. This is fixed until the end of the policy and starts from £75 depending the type of claim you’re making and your level of cover.

The policy booklet has the full terms and conditions. For more information, visit InsuranceWith’s official website.

Insurancewith EmeraldInsurancewith Sapphire Insurancewith Platinum
Medical Expenses£10,000,000 £10,000,000£10,000,000
Hospital Benefit£500£500£1,000
Cancellation After 24 HoursX£3,000£5,000
Missed Departure£800£800£1,000
End Supplier FailureXX£3,000
Lost/Stolen Documents£300£300£500
Personal Accident£10,000£10,000£15,000
Personal Liability£2,000,000£2,000,000£2,000,000

Your benefits for travel insurance cover levels

Holiday Cancellation

If you are unable to go on your trip due to a medical emergency, Insurancewith will cover the cost of your holiday up to £5,000, depending on your level of cover.

Emergency Medical Attention

If you require emergency medical attention whilst abroad, Insurancewith will cover medical bills up to £10,000,000 across all levels of cover. This includes little no to excess, depending on your level of coverage.

Departure Delay

If your plane is delayed for 12 hours or more, Insurancewith will compensate you up to £30 each 12 hour period your flight is delayed.

Lost/Stolen Baggage

If your possessions are lost, stolen or damaged, Insurancewith will cover the cost from £2,000 – £3,000 with £75 excess, depending on your level of cover. This extends to clothes and footwear, which is also covered up to £3,000. Insurance with also provides cover for passports, jewellery and watches up to £500 with little to no excess, depending on your policy.

Electrical Items and Photographic Equipment

If your electrical and photographic equipment, such as ipad, laptop or camera, is covered up to £300 across all levels of cover. This includes a £75 excess on all Emerald and Sapphire policies.

Accidental Death Benefit

If you die as a result of an accident, Insurancewith will provide an additional payout up to £15,000.

What type of policies do Insurancewith offer?

Insurancewith offers six levels of cover, including single trip, multi-trip, long stay, cruise and winter sports.

What countries are not covered by Insurancewith?

Insurancewith does not provide cover for countries or areas which the Foreign and Commonwealth Office (FCO) has advised against all travel to. This also includes areas with ‘advised against all but essential travel’. To check your destination’s FCO advice, visit

Does Insurancewith cover pre-existing conditions?

Insurancewith specialises in medical travel insurance. This means they are able to cover a wide variety of medical conditions not usually covered by insurers. They also take each conditions on a case-by-case basis to ensure you get fair coverage.

How long does it take to assess a claim?

The amount of time it takes to process a claim depends entirely on the season (summer is usually much busier), and the information provided. On average, Insurancewith aim to turnaround each claim within 5-10 working days of receiving the initial documentation.

About InsuranceWith

Insurancewith believes everyone with a medical condition should be entitled to fair and affordable travel insurance premiums, but thorough understanding of their medical situation. It is this understanding that allows Insurancewith to accurately assess personal medical situation to provide better support and fairer prices.

About Insurancewith Travel Insurance

Insurancewith provide six insurance policies and cover a variety of medical conditions, including cancer, transplant, epilepsy, high blood pressure, diabetes and disability to name a few. Insurancewith currently provides the following policies:

  • Single trip
  • Multi-trip
  • Longstay
  • Cruise
  • Winter sports

Each Insurancewith policy comes with a variety of benefits, including bespoke medical screening, 24/7 emergency helpline, discounts, for couples, families and single parent families. For more information on Insurancewith’s policies or screening procedure, visit

Insurancewith Contact Info

Insurancewith is a trading name of Travel Insurance Facilities Plc, which is authorised and regulated by the Financial Conduct Authority FRN306537. tifgroup is trading name of Travel Insurance Facilities Plc registered in England No. 3220410. tifgroup; all rights reserved. Registered Office: 1 Tower View, Kings Hill, West Malling, ME19 4UY.

Promotions and Offers

Insurancewith offers an exclusive 15% discount if you purchase a policy online.


To contact Insurancewith’s customer service team, call 020 3829 3875 and hold before speaking to an operative. Alternatively, you can contact Insurancewith via email on the contact form at   

How To Make A Claim

If you need to make a claim under the travel section of your policy, contact the Travel Claims Facility on 02038 296 761 or email a member of the claims team at

If you are making a claim on your gadget and mobile phone policy, call 020 3824 0705. Those who need to make a claim under trip disruption should contact MGACS claims on 020 3540 4422 or email a member of the team at

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