Get Going Travel Insurance Review

Get Going Travel Insurance ReviewGet Going Travel Insurance ReviewFor those of you who happen to have pre-existing medical conditions and who want to buy travel insurance, you can be faced with high premiums or not being able to get the cover you need. The Get Going Travel Insurance Review below outlines the type of policies and cover you can expect if you buy travel insurance from them. They offer various policies which cover a range of pre-existing medical conditions.

Most travel insurance companies will either cover for these conditions as an add on to their standard policies or they will offer a policy covering pre-existing medical conditions. Either way they will want to know the medical history of those conditions and the chances are you will end up paying a much higher premium to get your travel insurance cover. Get Going Travel Insurance are specialists in medical travel insurance and have designed their policies specifically for people with those pre-existing conditions in mind at an affordable price. Their policies are available to residents of the United Kingdom and Channel Islands.

Rating

Get Going scores 8.3 out of 10 on Trust Pilot. Over 85% of reviewers gave them 4 or 5 stars out of 5.

Customer benefits include the following:

  • Full cover for declared and accepted medical conditions
  • Specialist medical screening system
  • Emergency medical expenses up to £10,000,000
  • 24 hour medical emergency helpline managed by doctors
  • Cover for medication and mobility equipment
  • Backpacker and Longstay policies available
  • Cover for trips up to 18 months in duration
  • Personal liability cover
  • Possessions & Personal Effects cover
  • Over 350 sports and activities can be covered, and extensions available for any not listed
  • Optional extensions including winter sports and cruise
  • Discounts for couples and families
  • 14-day cooling off period
  • Kids go FREE
  • Cover for if the scheduled airline stops trading before or whilst they are away
  • Specialist gadget and trip disruption cover

 

Get Going Travel Insurance policy types are categorised – By Policy and By Condition.

By Policy


The following policy types offer a range of benefits and most medical conditions can be covered under each type of policy.

Single trip travel insurance

Single trip travel insuranceSingle trip travel insurance is designed to cover those planning to travel for either a holiday or a short break and not requiring travel insurance again within the year. The trip must have a definite start and end date.

They have many types of policy with various levels of cover allowing you to choose the one that is right for you. The three main categories of policy are Basic, Standard and Premier, with the amount of cover in the event of a payout increasing respectively.

All their single trip policies included the following and more:

  • Full cover for declared and accepted medical conditions
  • Emergency medical expenses up to £10,000,000
  • 24 hour medical emergency helpline managed by doctors.
  • Cancellation of your holiday
  • Personal liability
  • Possessions & Personal Effects cover
  • Many sports covered as standard, extension available for any not listed
  • If your airline stops trading before or whilst you are away
  • Cruise, Winter Sports, Wedding and Business extensions available – see sections below

 

Multi trip travel insurance

Multi trip travel insuranceMulti trip travel insurance is ideal if you travel frequently and plan to make more than one trip over the next 12 months. Each individual trip must be less than 31 days in duration, but you can travel as many times as you like within the one year period. UK trips are covered too as long as they are more than 3 days duration and you have pre-booked the accommodation.

Travel companions benefit from having the cover under one policy. For a declared and accepted medical condition, each party member is protected for any claim that is a result of that condition. Couples and family policies allow adults to travel independent of one another, so different trips at the same time is OK.

As with the single trip policies they have many types of multi trip policy with various levels of cover and the same three main categories of policy – Basic, Standard and Premier.

All their multi trip policies included the following and more:

  • Emergency medical expenses up to £10,000,000
  • 24 hour medical emergency helpline managed by doctors.
  • Full cover for declared and accepted medical conditions
  • Cancellation & Curtailment
  • Personal liability up to
  • Possessions & Personal Effects cover
  • Natural Disaster cover automatically included in Standard and Premier policies
  • 300+ sports and activities can be covered, many as standard
  • Cruise, Winter Sports, Wedding and Business extensions available
  • UK, Europe and Worldwide options

 

Long stay travel insurance

Long stay and backpacker travel insuranceLong Stay travel insurance is for those intending to travel for a longer period of time. It runs for a set period, up to 18 months and the cover ends when you arrive back in your home country. This is the ideal cover for those on a gap year, sabbatical, visiting friends or family for an extended stay in a far away country, work abroad or a charity project.

The cover allows you to return home for a temporary period of up to 21 days and then resume your trip. If you need to go home for special events like weddings, special birthday or other such events your insurance pauses while you are at home and then starts again when you leave your home country to resume your travels.

Long stay has two levels of cover – Backpacker and Longstay. The Backpacker is for those travelling light, while Longstay covers more with higher values insured for those not backpacking but intending to stay in one area for some time.

Their Long Stay policies included the following and more:

  • Full cover for declared and accepted medical conditions
  • Emergency medical expenses up to £5,000,000
  • Emergency relief of dental pain
  • 24 hour medical emergency helpline managed by doctors.
  • Cancellation of your holiday
  • Loss or theft of Cash
  • Possessions & Personal Effects
  • Natural Disaster cover (available on Longstay policy only)
  • 300+ sports and activities can be covered, many as standard
  • Cruise, Winter Sports, Wedding and Business extensions available (available on Longstay policy only)

 

Gadget insurance

Gadget travel insuranceA lot of people take some kind of gadget with them when they travel, such as mobile phone, tablet, laptop, cameras, e-readers or games consoles to name a few. The standard level of cover on Premium and Standard policies can be enhanced for a small extra cost so that your gadgets are covered while you are travelling.

Gadget insurance will cover you for the following:

  • Cover for repairing or replacing damaged, lost or stolen gadgets up to £1,000
  • Electrical or mechanical breakdown cover
  • Accidental damage
  • Cover for mobile phones, tablets, laptops, e-readers, SatNav systems, cameras, portable DVD players, portable games consoles and more…

 

Policy Extensions

The extensions below can be purchased as optional extras on the above policies.

Winter Sports travel insurance extension

Winter sports travel insuranceThe Winter Sports extension adds cover for skiing, snowboarding or ice skating to your policy. After all, having a medical condition doesn’t mean you need to forgo an activity you like doing.

The Winter Sport extension includes the following:

  • Medical emergencies, including mountain rescue and repatriation included as standard
  • Cover for ski equipment (hired or your own)
  • Loss of pre booked Ski Pack through illness
  • The cost of hiring equipment if your own is delayed on your outward journey
  • On and off piste cover as standard
  • Piste Closure
  • Avalanche cover
  • Option to cover extreme winter sports (heli-skiing and ski jumping)

 

Cruise travel insurance extension

Cruises travel insuranceGoing on a cruise? Travel insurance for a holiday on a cruise ship is somewhat different to a land based holiday and requires cover for the extra cost involved if you cancelled your trip or if you need to be transferred from the ship to a hospital,on land and then repatriated to your home country. Medical facilities on a ship are limited so falling ill on board can prove costly.

In addition to your regular travel insurance cover (includes the declared and accepted medical conditions), the Cruise travel insurance extension includes the following:

  • Discounts for couples, families and single parent families
  • Emergency medical expenses up to £10,000,000
  • Full cover for declared and accepted medical conditions
  • Emergency relief of dental pain
  • Missed schedule port disembarkation(s)
  • Cancellation of your holiday
  • Loss of pre-paid shore excursions (booked and paid for before travel)
  • Cabin confinement Cover
  • Loss or theft of Cash
  • Loss or theft of passport
  • Personal liability
  • Possessions & Personal Effects
  • 300+ sports and activities can be covered

 

Business travel insurance extension

Business travel insuranceIf you travel regularly on business you can if you wish combine your business and personal travel on the same policy. Available on single trip, multi trip and long stay policies covering non-manual work.

In addition to your regular travel insurance cover (includes the declared and accepted medical conditions), the Business travel insurance extension includes the following:

  • Business computer equipment
  • Delayed business equipment
  • Lost, stolen or damaged business equipment
  • Business money
  • Emergency courier of business samples
  • Replacement business associate

 

Wedding travel insurance extension

Weddings travel insuranceGetting married overseas is becoming more common these days, with the lure of exotic settings and good weather. Get going can insure your wedding related items as an extension to your policy.

In addition to your regular travel insurance cover (includes the declared and accepted medical conditions), the Wedding travel insurance extension includes the following:

  • Wedding attire
  • Wedding gifts in resort
  • Loss of or damage to wedding rings
  • Wedding photographs reprinting costs or replacement photographer


Get Going Travel Insurance Review

By Condition


Travel insurance by pre-existing medical conditionGet Going provide travel insurance cover for thousands of medical conditions. Below is a list of the most common pre-existing medical conditions covered. A more comprehensive list is available on the Get Going website – from the top menu, click Travel Insurance → View all conditions.

They cover many more conditions than are listed on their website, so if your condition is not listed your best option is to get a quote via their online medical screening process.

It will be beneficial for both you and your travelling companions to be insured under the same policy. If your condition happens to be the cause of a claim on your policy, your travelling companions will be able to claim as well.  Say the worst happens and your condition forces you to cut your holiday short, if you are all insured on the same policy you will all be able to claim curtailment costs. If your travelling companions are insured on a separate policy this may not be the case.

All their policies offer cover for the following events and more:

  • Full cover for declared and accepted medical conditions
  • 24 hour medical emergency helpline managed by doctors
  • Full cover for any declared medical conditions
  • Emergency medical expenses including emergency dental treatment
  • Cancellation of your holiday
  • Loss or theft of Cash
  • Loss or theft of passport
  • Luggage delay
  • Personal liability
  • Possessions & Personal Effects
  • 300+ sports and activities can be covered
  • Discounts for couples, families and single parent families
  • UK, Europe and Worldwide options
  • Cruise, Winter Sports, Wedding and Business extensions available

 

Asthma travel insurance

Asthma is a common condition for both children and adults in the UK. You still need to declare this condition to travel insurance companies even though, in most cases, it is easily controlled. For the most part the condition is just noted on your policy, depending on how well the condition is controlled. Depending factors also include where you are travelling to and what the medical facilities are like in that country and your dates of travel. People with asthma may be affected by different situations, Get Going are aware of this tailor their policies accordingly.

 

Cancer travel insurance

For those who have cancer as a pre-existing medical condition it can be hard to find travel insurance cover at an affordable price. Get Going’s policies are adaptable to you so you should be able to get the cover that is the correct one for you at a price that is affordable. It is important that your condition is declared and accepted so that you can go on that relaxing holiday in the knowledge that you are fully covered.

Get Going have policies for the most common types of cancer listed below but should you have cancer of a different type it is still worth getting a quote as they should have specialist cancer travel policy to cover you and your travelling companions.

  • Bladder cancer travel insurance
  • Breast cancer travel insurance
  • Kidney cancer travel insurance
  • Prostate cancer travel insurance

 

Cystic Fibrosis travel insurance

Cystic Fibrosis is a hereditary condition with varying levels of severity that can be accompanied by other medical conditions caused by it. Because of this getting travel insurance may have proved difficult in the past, but with improvements in medications and specialist care Get Going are able to offer a policy that will provide you with the necessary cover.

It is important that you talk to your doctor prior to booking your holiday and discuss where you are planning to go. They will be able to advise if that area is OK for you to go with your condition. They’ll also tell you if you need any vaccinations, are fit to fly and if other treatments are required for the pressurised aircraft cabin.

 

Diabetes travel insurance

The number of people with diabetes in the UK is now over 3.2 million (6% of the population) while the number of people with undiagnosed diabetes is over 630,000. For the world these figures are 382 million (8.5% of the population) and 175 million respectively. If you have diabetes and even if you have the condition under control it can be difficult to get travel insurance that is affordable.

Get Going have policies designed for people with this condition. You need your condition to be declared and accepted. This will involve letting them know f your condition is controlled and whether you have any other related conditions. If your condition is well controlled you may not need to pay any extra premium.

 

Disability travel insurance

Get Going have policies that cover short term or long term physical or learning disabilities. They can cover you and you travelling companions on the same policy so you are all covered should the need arise. Again it is important that all disability conditions are declared and accepted when arranging your policy.

 

High Blood pressure travel insurance

High blood pressure is a very common condition which is usually controlled with medication. Just because it is a common condition and if you suffer from this and it is well controlled don’t forget it still needs to be declared and accepted when you arrange your policy.

 

High Cholesterol travel insurance

High cholesterol is another very common condition but it does need to be treated or much more serious complications can ensue. Again as with high blood pressure, even if your high cholesterol is well controlled, it is really important that the condition is declared and accepted so that you can travel knowing you have adequate insurance cover that you need.


Get Going Travel Insurance Review

If you found the above Get Going Travel Insurance Review helpful, please share so others can benefit from the information as well or if you have any questions or tips of your own for Get Going Travel Insurance leave a comment below.

Posted in Top Tips For Holidays, Top travel advice, Travel insurance and tagged , , , .

Neil

I grew up in the UK and still live there today. Throughout my life I have travelled extensively in Europe, Asia, Australasia and US on holidays, mini breaks, business travel and longer travelling trips, so founded http://TopTipsForHolidays.com to help people by providing top tips for holidays and travel.

14 Comments

  1. I am particularly impressed with the 24 medical emergency helpline.

    It’s quite important to have that stand-by but it’s normal for medical staff to be ready in case something occur like A&E.

    The gadget one, besides medical matters, is common to me. Talk about the values and technologies which cause theft and problems which lead to insurance cost here.

    What I didn’t know and just found out is the wedding travel insurance. And overseas marriage are common? Wow. Guess I should follow this trend too!

  2. It’s great to see the list of things this includes for the “long stay travel insurance”… the temporary trip home is an admirable feature for many long term travellers.
    The main thing I was looking for when getting travel insurance, however, was whether I could start the policy whilst already abroad?
    I lived in China for a year on one policy, then struggled to find another policy that I could start (whilst living in China) for travelling an extra 9months on the end!
    Does this insurance have that perk?
    Thanks for sharing!
    Zoe

    • Hi Zoe,

      Get Going have 2 long stay policies, a backpacker policy fro travellers and a long stay policy for people living and working abroad. Unfortunately both must be purchased before you start the trip and you must be a UK resident. However, I do know that World Nomads offer travel insurance that can be purchased or extended when you are already travelling. The only downside is that World Nomads generally do not cover pre existing medical conditions.

      Hope that helps.

      Thanks

      Neil

  3. Hi Neil

    Your review of Get Going Travel Insurance is extremely comprehensive & easy to read & understand.

    In the past I have just booked travel insurance through what ever medium I used for airfares, etc, & never really considered it much, silly I know.

    It is great that people with medical conditions have all these options available to them so they can enjoy their travels without worrying about medical costs if needed or worse still, being prevented from taking their trip altogether because they can’t afford the cover or the medical expenses on top.

    Your website overall is very fresh, bright, cheery, with some really great information & relevant pics. It makes me want to book my next trip right now.

    Great job. I look forward to seeing more.

    Cheers Faye 🙂

    • Hi Faye,

      Thanks for your great comments about the article and my website. 🙂

      It is definitely worth shopping around for travel insurance and especially if you have pre-existing medical conditions as some companies will charge a lot to cover you. Get Going travel insurance are specialists in this field with good value prices.

      Thanks

      Neil

  4. Hi Neil, what a comprehensive reviews of get going travel insurance. I didn’t know that there are many options for the insurance and that is especially helpful for elderly with pre-existing medical conditions.

    You also mention that kids are covered for free? How do they define children, any age limit? And does this applicable for children with disability or existing illnesses?

    • Hi Rina,

      It is mentioned on the FAQs section of the Get Going Travel Insurance website that any child under the age of 18 can be covered if you opt for a family policy. If a child has a disability or an existing illness you will need to declare all known medical conditions when purchasing you cover. Hope that helps?

      Thanks

      Neil

  5. Hi Neil,
    Your review of Get Going Travel Insurance is very informative. It has shed new light on my perspective on travel insurance. It is very helpful to me because my wife and I both have a preexisting medical condition (one of them is listed on your list) and it’s good to know that there are travel insurance for these illnesses. Most of my travels are by plane and I know that there is an insurance coverage for flights but when I read your article I get an image of a cruise (maybe it’s because she has been talking about cruises lately…HA!)
    Anyway your post was very informative and now I have a new perspective on travel insurance (good job)
    I like the layout of your page and the images were very complementary and your links worked.
    I also believe your page load time is good.
    See you around,
    Eric

    • Hi Eric,
      Thanks for your comments. Get Going Travel Insurance provide cover for all different kinds of trips including cruises. So if you are thinking of going on a cruise it’s worth getting a quote from them (via their website, which is linked in the above post), particularly if you both have pre-existing medical conditions. One of their policies should be suitable for your requirements.
      Thanks
      Neil

  6. Hi Neil,

    Thanks for the detailed article on all the insurances available to me as I make my way around the world! I had no idea there was this amount of variety out there!

    I am getting older now, so have to start looking at adding some of the coverages mentioned herein. For years I have simply bought a global package through my ADAC roadside assistance program…

    That was relatively cheap and I used it several times over the years with no problems at all. They never questioned the claims as long as I had the proper paperwork they required.

    This Get Going Travel Insurance article was certainly everything I need to consider for future trips over and above my ADAC coverage, and I have bookmarked the site for reference when I need it. Thanks!

    Cheers
    Dave

    • Hi Dave,

      The ADAC roadside assistance is German isn’t it? From people’s comments on other sites it looks like you can get ADAC cover if you are travelling to Europe, i.e. you don’t need to be based in Germany. The Get Going Travel Insurance is for residents of the UK and Channel Islands only. Not sure if you are based in the UK, but that brings up a good point, I’ll add that you need to be a UK resident to the post. If you are based in the UK and required travel insurance for pre-existing medical conditions then Get Going Travel Insurance is an ideal choice.

      Thanks

      Neil

  7. Hello Neil, I have read your page a couple of times and I acknowledged a lot of info about the insurance company. Your page is very-well made: the colors are simple, every product is well divided and the text is not hard to read. The only thing I would do is delete the blank spaces – it is a bit annoying to see so many blanks and scroll down so much. Otherwise you did a good job with your page!

    • Hi Daniil,

      Thanks for your comments and I’m glad you liked the post. The spaces are there between each section so that visitors can easily identify the start and end of each section.

      Thanks

      Neil

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