Last updated: August 2026
Goodtogoinsurance reviews matter most if a standard travel insurer has already turned you down or quoted you a painful price. This is the specialist for serious or complex medical histories, built to consider conditions “up to a very high level of severity” rather than screen them out. Its travel insurance rates 4.7 out of 5 from 23,771 write-ups on Trustpilot and 4.73 from 6,923 on Smart Money People, the strongest review base of any specialist we checked. This guide covers that evidence, what you’re covered for, and one recurring complaint worth flagging before you buy.
| What you get | The detail |
|---|---|
| Specialism | Serious and complex medical conditions |
| If it goes wrong | You’re protected |
| Trustpilot | 4.7/5 from 23,771 reviews |
| Getting a quote | No phone number needed |
Goodtogoinsurance reviews: the short answer
Goodtogoinsurance’s review scores hold up across more platforms than most of its rivals. Trustpilot shows 4.7 out of 5 from 23,771 write-ups, and Smart Money People’s travel insurance page shows 4.73 out of 5 from 6,923 responses. Feefo is no longer an active customer relationship, though a frozen archive of 14,690 older ratings, most several years old, remains on the site as history rather than a current signal. Reviews.io carries a single 1-star review about a difficult renewal, too small a sample alone, but it lines up with a wider pattern covered further down this page.
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Goodtogoinsurance is a trading name of Ancile Insurance Group Ltd, and it isn’t affiliated with AllClear, a separate company with its own underwriter, though the two names are often confused. There’s no upper age limit, and the site states it can consider conditions “up to a very high level of severity”. It’s been reported, though unconfirmed by Goodtogoinsurance itself, to extend as far as a terminal prognosis in some cases. A 14-day cooling-off period applies after you buy, so you have time to check the policy suits you before you’re locked in.
“Goodtogoinsurance isn’t trying to be Staysure or Avanti’s all-purpose alternative. It exists for one specific reader: someone a mainstream insurer has already turned down or priced out. Don’t take ‘a very high level of severity’ as a guarantee: read exactly what you declared and what was actually accepted before you rely on the policy for anything serious.”
Kate Acaster, Chief Editor, Flight Tribe
Is your money protected if Goodtogoinsurance goes bust?
Yes. Goodtogoinsurance sells the policy, but the actual risk sits with Red Sands Insurance Company (Europe) Limited, an insurer regulated in Gibraltar and a member of the UK’s Financial Services Compensation Scheme. In plain terms: if Red Sands ever went under, you’d still get back 90% of a valid claim, with no upper limit.
Goodtogoinsurance’s cover, compared
| Tier | Medical cover | Cancellation | Baggage | Excess |
|---|---|---|---|---|
| Gold | £10,000,000 | £2,000 | £2,000 | £75 |
Cover for COVID-19 and other pandemic-related costs is excluded, in line with every insurer we’ve checked in this comparison, and travel to a destination the FCDO advises against voids the policy, confirmed directly on the quote tool itself rather than buried in the wording. Gadgets aren’t covered under standard baggage cover, but a separate paid add-on covers phones, tablets and similar devices. Winter sports is a paid add-on too.
The renewal-pricing complaint, checked
Renewal pricing is the one theme that comes up repeatedly in the lower-star reviews, corroborated across both Reviews.io and Smart Money People rather than sitting in just one place. If you take out an annual policy, don’t assume next year’s renewal price is the best one available. Run a fresh quote and compare before you let a Goodtogoinsurance annual policy roll over automatically.
Is Goodtogoinsurance the same company as AllClear?
No. The two get mixed up often, but they’re separate companies with separate underwriters, and each runs its own medical screening and pricing. Don’t assume a decision from one tells you anything about how the other would price or accept your condition. If you’ve been declined or quoted a high price by one specialist insurer, getting a second, independent quote from the other is a reasonable next step.
Whichever specialist insurer you end up comparing, what the medical screening step actually decides matters more than the marketing copy. A condition covered “up to a very high level of severity” for one applicant can still be excluded or loaded for another, depending on how it’s currently managed and how long ago it was diagnosed. Screen honestly and keep a copy of what you declared.
Should you buy Goodtogoinsurance travel insurance?
Serious or complex medical condition made buying cover elsewhere difficult or expensive? Goodtogoinsurance is the specialist worth checking, on the strength of review evidence that holds up across two separate platforms, Trustpilot and Smart Money People, rather than just one. You’re covered if the worst happens, too, thanks to the FSCS safety net sitting behind the policy. The one thing to watch is renewal pricing: run a fresh quote every year rather than letting an annual policy roll over unchecked. To check current cover and get a quote, visit Goodtogoinsurance directly.
Frequently asked questions
Is Goodtogoinsurance travel insurance any good?
Yes, on the strength of its review evidence. Goodtogoinsurance rates 4.7 out of 5 from 23,771 Trustpilot reviews and 4.73 from 6,923 on Smart Money People’s travel insurance page.
Does Goodtogoinsurance cover serious medical conditions?
Yes, this is its core specialism. The site states it can consider conditions “up to a very high level of severity”, though acceptance still depends on the specifics you declare during medical screening.
Is Goodtogoinsurance the same company as AllClear?
No. They’re separate companies with separate underwriters, despite the two names sometimes being confused.
Can I get a Goodtogoinsurance quote without giving my phone number?
Yes. Its online tool shows a price after full medical screening, without asking for a phone number first. That screening step runs for every applicant, healthy or not, so budget a little longer than a standard quote elsewhere.
What does Goodtogoinsurance’s FSCS protection actually cover?
If Goodtogoinsurance’s insurer ever went under, the FSCS would pay out 90% of a valid claim, with no upper limit. It’s 90% rather than 100% because travel insurance isn’t one of the compulsory classes of cover the scheme protects in full.
Is there a downside to Goodtogoinsurance?
The recurring complaint across reviews is renewal pricing. Run a fresh quote each year rather than letting an annual policy renew automatically, since the renewal price isn’t guaranteed to be the best one available to you.
Is there an age limit for Goodtogoinsurance travel insurance?
No upper age limit applies, in line with the other medical-conditions specialists in this comparison.
More on travel insurance and your trip
For the biggest UK brand by review volume, see our Staysure reviews, or for a cruise-cover specialist, our Avanti reviews. Deciding whether to buy an airline’s own bundled cover instead? See our guides on whether Ryanair’s travel insurance, easyJet’s travel insurance, TUI’s travel insurance or Virgin Atlantic’s travel insurance is worth it. For the wider picture on package holidays, including what protection you get if a company collapses, see our guide to package holidays.
Kate Acaster is Chief Editor at Flight Tribe. She writes about practical travel planning, budget airlines, baggage rules, city breaks, beach holidays and good hotels that do not cost daft money.
Kate has travelled through Europe, South America and beyond, usually with a notebook, a half-formed plan and a strong opinion on airport snacks. At Flight Tribe, her work focuses on helping UK travellers understand what is included, what costs extra, and whether a trip is worth booking at the price shown.
How Kate works
Kate checks the details that can change the value of a trip, including cabin-bag rules, airline fees, hotel location, seasonality, travel dates and booking conditions. She is especially interested in offers that look useful on the surface but need a proper reader-first check before they are worth recommending.
Editorial standards
Flight Tribe covers deals and travel advice for readers first. Affiliate links do not decide whether an offer is worth writing about.
