insure and go travel insurance phone number

• Travel Insurance

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InsureandGo Travel Insurance Review

Published: Mar 20, 2024, 9:26am

InsureandGo is a high-ranking travel insurance policy for Australians, well suited towards multi-generational families travelling together due to its maximum age limit of 100 and automatic cover for children under 18 years old travelling with parents or grandparents.

• 10% discount online with the code Offer10. The company also regularly releases updated discount codes on its Facebook page
• Very positive reviews online via ProductReview
• No credit card fraud coverage
• While the website states most pre-existing medical conditions are covered, an assessment is required

Table of Contents

About insureandgo travel insurance, what is and isn’t covered.

Featured Partners

Fast Cover Travel Insurance

On Fast Cover’s Secure Website

Medical cover

Unlimited, 24/7 Emergency Assistance

Cancellations

Unlimited, (Trip Disruption $50,000)

Key Features

25-Day Cooling Off Period, Australian Based Call Centre, 4.6 Star Product Review Rating

Cover-More Travel Insurance

On Cover-more’s secure website

Unlimited, with a $2000 limit to dental

Yes, amount chosen by customer

Southern Cross Travel Insurance

Medical Cover

Including medical treatment, doctors’ visits, prescribed medication, specialist treatment & medical transport costs

$2,500 with option to increase to unlimited

InsureandGo Australia was established in 2000 and is a wholly owned subsidiary of Europ Assistance. It offers Australians different tiers of travel insurance–bare essentials, silver and gold–with all policies underwritten by Mitsui Sumitomo Insurance Company Limited.

InsureandGo is highly regarded by Australian travellers, receiving a score of 4.0 from 6,243 reviews on the leading consumer opinion site, ProductReview.

In the following review, Forbes Advisor has analysed InsureandGo’s Gold policy, as this is its most comprehensive policy available.

The InsureandGo Comprehensive Travel Insurance policy is available to all Australians up to the ripe old age of 100, with children up to 18 also included if they are travelling with parents or grandparents. (For cruise cover add-ons, Australians are only covered up to 79 years of age).

While InsureandGo won’t cover fraudulent credit card activity, it will cover credit card replacement. Additionally, there is personal liability cover up to $5 million and up to $8,000 for car hire excess cover.

There is unlimited cancellation cover with the InsureandGo Comprehensive Travel Insurance policy, however, there is no cover for missed connecting flights if the stopover on itinerary is less than six hours.

Lost Luggage

InsureandGo provides $15,000 in cover for lost luggage on its Gold policy. There are sub-limits that apply, including $3,000 for laptops, cameras, tablets, mobile phones and the like.

Customers can choose to increase cover limits for certain items if required.

Unlimited overseas medical expenses are included with InsureandGo travel insurance. This includes emergency surgery, ambulance costs or repatriation.

In regards to pre-existing medical conditions, the InsureandGo website claims that “most conditions” are covered by the policy. However, a medical assessment is required to determine whether cover will be provided, rather than being automatically included in the policy.

Is Dental Cover Included in Medical?

InsureandGo does not include dental in its unlimited medical cover, but it does still provide cover for emergency dental treatment up to the value of $500.

Does it Cover Me for Covid?

Yes, overseas medical expenses related to Covid-19 are covered. Cancellations or trip interruptions due to Covid are also covered for the policyholder and their travelling companions, up to the value of $5,000.

What about Pregnancy?

Pregnancy is included within the unlimited medical cover, with complications of pregnancy and childbirth also covered–but only until week 30 of the pregnancy for individual babies. For multiple babies (such as if you are pregnant with twins), InsureandGo will only provide cover until week 20.

What about Sports and Activities?

InsureandGo provides automatic cover for 90 different sports and activities, which are laid out within its product disclosure statemen t. There are additional activities that may be covered, but only if certain criteria are met.

The excess payable also varies from sport to sport, so it is essential for travellers looking to partake in sports and activities while abroad to carefully review the InsureandGo PDS.

Examples of activities that will not be covered under any circumstance by InsureandGo include cliff diving, paragliding, running with the bulls and more. InsureandGo states in its PDS that its list of excluded activities is “not a definitive list”, and rather is “intended to provide examples of sports and activities where cover is not available under this policy in any circumstances”.

To be covered for snow sports, travellers will need to purchase the additional snow sports cover.

Customer Service

InsureandGo provides 24/7 emergency assistance to its customers, providing peace of mind if you are overseas and are in need.

For general enquiries, InsureandGo has a non-emergency phone number as well as an email, both of which are monitored from Monday to Friday, 9am to 5pm.

The company states that it is currently in the process of upgrading its Claims Website, which means at the time of writing, customers need to submit claims via email after following the instructions online.

Frequently Asked Questions (FAQs)

Is there an insureandgo discount code.

No, at the time of writing, InsureandGo does not have any active discount codes. The InsureandGo website states that it often updates its promo codes via Facebook, so all prospective customers should check the InsureandGo Facebook page before purchasing a policy to see if a discount is available.

Who underwrites InsureandGo travel insurance?

InsureandGo is underwritten by Mitsui Sumitomo Insurance Company Limited.

Does InsureandGo offer domestic travel insurance?

Yes, just as it offers three levels of international travel insurance–bare essentials, silver and gold–InsureandGo also offers its customers domestic travel insurance with the same tiers.

InsureandGo also has policies for annual multi-trip insurance, cruise coverage and backpacker travel insurance.

What is InsureandGo Travel Insurance's telephone number?

InsureandGo provides 24/7 emergency assistance to its customers via +612 9333 3999.

For general enquiries, InsureandGo has a non-emergency phone number as well as an email, both of which are monitored from Monday to Friday, 9am to 5pm. These are:

• Phone (within Australia) : 1300 401 177
• Phone (outside Australia): +612 7201 9532
• Email: [email protected]

Where can I find InsureandGo's policy documents?

You can find all InsureandGo’s policy documents, also known as product disclosure statements (PDS), online here .

InsureandGo says the PDS’ available on their website are the most up-to-date documents.

“In order to download the PDS which is applicable to your policy based on the date of purchase, login into your account and you will find the exact document,” the website states.

Can I buy travel insurance with InsureandGo after booking?

Yes, you can purchase a policy via InsureandGo after you have already booked your holiday; however, it’s important you make sure the policy covers all activities you intend to partake in, and all the countries or areas you are visiting. It is recommended to take out an insurance policy immediately after booking a trip, rather than waiting until the last minute.

Does InsureandGo Travel Insurance have good reviews?

Yes, InsureandGo has been reviewed positively both by Forbes Advisor Australia and in public customer reviews.

On ProductReview, InsureandGo has received 4.0 stars from 6,243 customer reviews.

When choosing our pick of the best comprehensive travel insurance policies , InsureandGo came in fourth place, scoring 4.4 stars.

Sophie Venz is an experienced editor and features reporter, and has previously worked in the small business and start-up reporting space. Previously the Associate Editor of SmartCompany site, Sophie has worked closely with finance experts and columnists around Australia and internationally. Sophie grew up on the Gold Coast and now lives in Melbourne.

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• Pregnancy Travel Insurance Guide
• Travel Insurance For Bali
• Travel Insurance For Fiji
• Travel Insurance For The USA
• Travel Insurance For Thailand
• Travel Insurance For New Zealand
• Travel Insurance For Japan
• Travel Insurance For Europe

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Click here for our travel alert about the Israel – Gaza conflict. Due to the current conflict in Ukraine, our policies exclude coverage for any trips to Russia, Ukraine or Belarus. Check out latest travel alerts here before buying a policy.

Lodge your travel insurance claim

Hello Traveller,

Do you need to submit a claim?

The easiest way to submit and check the status of your claim  is through our online claims portal

If you experience issues, please send us an email to  [email protected] . or you can call us on our Emergencies & Claims line on +612 9333 3999

For  manual  submissions –  Click here

Useful Numbers

Emergency assistance:

Non emergency claims:

Insure&Go?

Here is why....

Award winning travel insurance company

24 hours emergency assistance

All medical conditions considered

Cover up to 100 years old (Cruise and Bare Essential policies cover up to 79 years of age)

Unlimited overseas medical expenses cover

Unlimited cancellation in our Gold policies

Freephone our UK Team

0800 072 6778

Sales & Service

Monday to Friday: 8:30am to 8pm Saturday: 9am to 5:30pm Sunday: 10am to 5:00pm

Monday to Friday: 9am to 7pm Saturday: 9am to 5:30pm

Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, family travel insurance.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Arranging a family holiday can be stressful enough without worrying about travel insurance. That’s why we make getting covered as quick and simple as possible.

All our family travel insurance policies include automatic cover for over 100 sports and activities at no extra cost.

What is family travel insurance and do you need it?

Family travel insurance is holiday cover for every member of the family, all under the same policy. Typically, family travel insurance will cover one or two adults and between one and eight children aged under 18.

• A traveller visiting Thailand suffered a serious blood infection needing intensive medical treatment and an air ambulance back to the UK. The total bill was £250,000 paid by the travel insurer.  
• A holidaymaker in Spain needed private medical treatment for a kidney infection. This cost £15,000 , covered by her travel insurance. 
• Real customer claims we’ve paid out include; £42,227 for a superficial head injury in Turkey, and £239,743 for a spinal fracture in the USA.

If you’re heading out with the whole family, costs can quickly stack up. Making sure you’re covered in the event of an emergency is a weight off your mind. We’ll also cover costs for other unexpected issues and mishaps, like losing your luggage or problems with your accommodation, leaving you free to make memories with your family, worry-free.

What does InsureandGo’s family travel insurance cover?

What’s covered.

All our family holiday insurance policies include:

• Medical emergency expenses cover
• Cover for cancellation of your trip
• Our 24-hour emergency assistance team , available to call, day or night, wherever you are
• Over 100 sports and activities covered (see your policy wording for a full list of activities)
• Personal belongings and baggage cover
• Personal money, passports and travel documents cover
• Accommodation cover
• Legal expenses cover
• Delayed departure cover
• Personal accident cover

What’s not covered

We aim to provide as much cover as possible, however, there are some situations that travel insurance will not cover. For example:

• You cannot cover events or reasons to claim which took place before you booked the trip or purchased insurance. Insurance exists to cover unexpected events outside of the insured’s control
• Claims which are less than the excess for that section of cover. For example, you cannot claim a £40 lost item if your baggage excess is £60
• All of our family travel insurance policies include cover for cancellation of your trip, but there may be some exclusions. For example, you won’t be covered to cancel if you simply decide not to go

Find out about our optional add ons for activities like extreme sports , winter sports , cruises and golf . 

We will consider all pre-existing medical conditions, find out more about medical travel insurance . The excess and amount of cover available varies depending on the level of USA travel insurance you buy.

To check the policy exclusions and what is and isn’t included, make sure you have a look at our policy wording to see the full terms and conditions.

Age restrictions

We think family holiday insurance should cover the whole family. That’s why our policies have no upper age limit. Please note that we do not cover anyone over the age of 65 for winter sports like skiing or snowboarding. 

The amount of valuables cover available depends on the policy you choose. Make sure you have a look at our policy wording to see the full terms and conditions, including what is and isn’t covered. If you’ll be taking away something a bit more expensive you can add our valuables extension .

The best family travel insurance for your holiday

All families are different, which is why we offer different types of insurance for every family. Not sure what policy is right for you? Here’s what we’d recommend. 

• Doing one big family trip this year? Our single trip insurance may work out cheaper for you and your family.
• Heading out a few times? If you buy one of our annual multi-trip policies , you can travel as often as you like for an entire year!
• Doing a trip with family friends? If multiple families are travelling together, we can offer group insurance policies.
• Taking the grandparents? If you’re going on a multi-generational holiday, you can have kids, adults and grandparents all on one policy. Great grandparents too, if you like – our policies have no age limit .
• Doing something special? We can cover winter sports , extreme sports , cruising and hiking for the entire family. 
• Want to expand your current policy to other family members? We can help with that. You can either manage your policy online or give our team a call and we’ll be happy to help.

Choose a cover level to suit your travel needs

Family travel insurance with pre-existing medical condition cover.

We don’t think that having a pre-existing medical condition should get in the way of a holiday. This is why we cover more than 1,300 pre-existing conditions, many at no extra cost. 

If you or a family member has a pre-existing medical condition, we can offer medical travel insurance . We’ll simply ask a few questions about the condition so you have more time to get on with your holiday planning. 

Examples of medical conditions we can cover include:

• Heart-related conditions
• High blood pressure
• High cholesterol
• Disabilities
• Epilepsy or Stroke

We consider a pre-existing medical condition if you’ve:

• Taken any prescribed medication or received medical treatment within the last 2 years
• Been registered in or been an outpatient at a hospital, clinic or GP surgery in the last 2 years.
• Been advised of a terminal illness.

Before buying a family travel insurance policy, you must let us know about any pre-existing conditions you or your family members have. Just call us or use our quick and easy online medical screening system.

Which destinations are covered by our family travel insurance?

We offer family travel insurance policies based on the following destination groupings:

• Europe (plus countries bordering the Mediterranean Sea, plus Madeira and The Azores)*
• Worldwide (except the USA , Canada, Mexico and the Caribbean)

*Europe includes: Albania, Andorra, Armenia, Austria, Azerbaijan, Azores, Balearics, Belarus, Belgium, Bosnia And Herzegovina, Bulgaria, Canary Islands, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Faroe Islands, Finland, France, Georgia, Germany, Gibraltar, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Macedonia, Madeira, Malta, Moldova, Monaco, Montenegro, Morocco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey.

If you’ve already bought annual multi-trip travel insurance for a particular area but are now going to be travelling further afield, we can upgrade your cover to include the new destination. Alternatively, you could purchase separate single-trip cover instead, but upgrading your annual travel insurance policy to include worldwide cover can often work out cheaper. If you’d like to discuss these options, or you’re still unsure which area your trip falls into, please contact us .

How to book our family travel insurance#

We know planning a family holiday can be complicated, so we make getting your family travel insurance as easy as possible:

1. Let us know about your trip

We need to know a bit about your trip, who you want to cover and when you want the policy to start. We will also ask you for information regarding any pre-existing medical conditions so that we can provide you with the right level of cover. 

It’s quick and easy to give us this information, either online or by calling our team:

2. Get your quote

Once we have all the details we need, we will send you your quote. At this stage, you can go ahead and buy your policy or save the quote for the future.

“Family travel insurance is an easy, hassle-free way to make sure that everyone in your family is covered on family holidays. Simply get the kids in the car, and go. We can even cover grandparents, as our policies have no upper age limit. That’s a weight off your mind!” Russell Wallace – Travel insurance expert

Our reviews speak for themselves

Here’s what our other customers have to say about us.

Frequently asked questions on travel insurance for families

Does family travel insurance cover individuals.

Yes, our family travel insurance policies cover any adults over the age of 18 who want to travel alone. If you buy annual multi-trip family travel insurance, every adult on the policy over 18 is insured to travel independently.

Can children travel independently on family travel insurance?

Any children under 18 need to travel with an adult named on the family travel insurance policy to be covered. 

However, any adults over 18 who are named on the policy can travel abroad at any time to be insured. Every adult on the policy is insured to travel independently.

Do I need family travel insurance for a UK holiday?

We’d recommend getting family travel insurance for any holiday, including a staycation. While your medical costs would be free if you’re staying in the UK , family travel insurance also covers other holiday mishaps, such as lost luggage, delays and cancellations.

Is family travel insurance cheaper than individual insurance?

We tailor pricing on an individual level, so the price of each policy will vary based on the individuals in the family.. You also can’t buy an individual policy for under 18s, so a family or group policy is essential to cover anyone younger than this. 

One of the main benefits is that the family policy is less hassle. You’ll only have one policy to look at, one set of documents, and one provider to contact in case of an emergency. That’s a lot less to worry about.

Does travel insurance cover cancellation due to family illness?

Need to cut your family holiday short due to illness? We know this is the last thing you’d want to think about when planning time away but if anything was to happen and you needed to cancel/shorten your holiday then know you’re covered.

When should I buy family travel insurance?

You should purchase family travel insurance as soon as you have booked your holiday. This is a great way to ensure that you don’t forget to buy it, and you can avoid a last-minute scramble to get a policy later. 

If that’s not possible, simply buy a family travel insurance policy as soon as possible. Don’t forget that you’ll need to have a policy in place before you leave the UK for it to be valid.

How much is family travel insurance?

The cost of family travel insurance varies, as it will depend on a few different factors. An insurance provider will need to know how many people they’ll need to cover, what their ages are, and whether they have any pre-existing conditions. It’s also likely they’ll want to know where you’re going on your family holiday, and whether or not you’ll be doing any activities, such as winter sports or extreme sports.

Do I need family travel insurance if we all have GHIC cards?

Yes, you’ll need family travel insurance even if you all have GHIC cards. The UK Government advises that all British nationals get the correct type of travel insurance before leaving the country.

The GHIC, formerly known as the EHIC, covers medical expense costs but does not insure you against anything else, such as transportation to and from a hospital, lost luggage, cancellations, delays or legal expenses.

Can I get a family policy for winter sports?

Yes, you can get a family policy for winter sports. All you need to do is add winter sports cover to your policy when you’re getting your quote. That way, the whole family is covered.

Already got a family policy that you need to add winter sports cover to? You can either manage your policy online or give our team a call and we can do that for you.

Can I get family travel insurance as a divorced or separated parent?

Yes, our Family Travel insurance covers children (even if they do not live with you) and stepchildren.  You will need to declare all their details, including medical conditions

Who can buy an InsureandGo family travel insurance policy?

All our family travel insurance policies are available to UK residents. This means:

• Someone who has been living in the UK or the Channel Islands for at least six of the last 12 months
• They must be in the UK at the time of buying
• All trips must start and end in the UK

Get a quote online or browse our policy documents for more information.

Travel insurance guides

Frequently asked questions.

If you’ve got more questions about how our family travel insurance works, or more general travel insurance queries, have a read through our FAQs .

Travel advice

Our travel advice section offers handy tips and guides to specific countries, from what documents you need to what you might visit while you’re there.

Travel insurance reviews

If you want to know what our customers think of us, and why they rate us so highly, have a read through some of the reviews they’ve left us.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

091 545 904

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Policy type

Destination.

Europe The Continent of Europe west of the Ural Mountains, Madeira, Canary Islands, Iceland, the Azores, Mediterranean Islands, and non-European countries bordering the Mediterranean (except Algeria, Israel, Jordan, Libya, Lebanon and Syria)

Worldwide excluding USA/ Canada(Area 3) Worldwide including USA/ Canada(Area 4)

Winter sports

We will pay (up to the amount specified, based on the cover you choose) for: loss, theft or damage to winter sports equipment, the cost of your ski pack (should you become ill or injured), extra travel and accommodation expenses if your scheduled public transport is cancelled or curtailed due to avalanche or if the piste is closed for more than 12 hours due to lack of snow, a benefit per day.

Journey dates

Please note: You will not be covered for holiday cancellation until your policy start date. Choose today’s date if you want cover as soon as possible.

Select whether you would like to purchase an insurance policy tailored for families or a group of individuals so we can offer you the most suitable products.

Private Health Insurance

Private health insurance discount

If you and each additional traveller on this policy have private health insurance in place providing inpatient medical cover abroad to a minimum of €55,000 per person per claim, you qualify for a reduced premium on your travel insurance. This cover must remain in place for the full duration of your policy with us.

In the event of a claim for inpatient medical treatment abroad, you must claim on your private health insurance first. The benefits payable under your travel insurance policy will commence once you have reached the limit on your private health insurance policy.

Contact Us - Opening Hours

If you have any questions, queries or comments, please don’t hesitate to contact us. You can get in touch with us at the following times:

Mon-Fri 9am – 5pm

Emergency number: +353 91 545 908 (emergency overseas, 24/7)

Non-emergency claims +353 91 545 907

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Insure&Go Seniors Card discount

Save 15% on Travel Insurance policies

Seniors can save 15% on Travel Insurance with Insure&Go  

Use the promo code: seniors15 over the phone on 1300 401 177 or  online .   .

Insure&Go understands that Seniors love to travel, so they've created a travel insurance product that suits the needs of the senior traveller.

Features of Insure&Go

• Unlimited overseas medical expenses.
• All pre-existing medical conditions considered
• Coverage up to the age of 100, with Cruise and Bare Essential policies covering up to the age of 79.
• Award winning travel insurance – Canstar 2023 award for Outstanding Value - Seniors Travel Insurance and International Travel Insurance^.
• Silver and Gold policies include Covid-19 coverage*.
• Kids go free with parents or grandparents**
• Unlimited cancellation cover in their Gold International and Cruise policy (Covid-19 cancellation limit up to $5,000).
• 24/7 emergency assistance 

Insure&Go is fully owned by Europ Assistance, a global assistance company with presence in more than 200 countries and a network of more than 750,000 assistance providers.

To take advantage of this offer, simply enter the promocode “SENIORS15” on the  Insure&Go website  or quote the code when phoning 1300 401 177 to speak to one of their call centre agents about travel insurance for seniors.

Mitsui Sumitomo Insurance Company, Limited, ABN 49 000 525 637, AFSL 240816, issues Insure&Go Travel Insurance (the insurance). For full details of the benefits, terms and conditions and exclusions that may apply please read the  Product Disclosure Statement ,  Target Market Determination (TMD)  and Financial Services Guide  available here  to decide if the insurance is right for you. Mitsui Sumitomo Insurance has appointed Europ Assistance Australia Pty Ltd, ACN 140 219 594 as its Authorised Representative (AR Number 424825) to deal with this insurance product. 

^2023: Canstar award for ‘Outstanding value – Seniors Travel Insurance’ and ‘Outstanding Value – International Travel Insurance’, 2023: Finder award for ‘Travel Insurance – Domestic’, 2023: WeMoney Award for ‘Best for Value – Cruise Travel Insurance’ and ‘Best for Seniors’ award. More information about our awards can be found  here

*Check full Covid-19 Benefits  here

**Children (including fostered or adopted children) travelling with either their parents or grandparents will be provided with travel insurance cover for no additional cost (any pre-existing medical conditions may incur an additional charge). This is provided they are under 18 years of age, named on the Policy Schedule and are financially dependent on either their parents or grandparents.

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Contact Generali Global Assistance

Find all the ways to contact Generali Global Assistance. Whether you want to buy travel insurance and assistance services, are on your trip and need Emergency Assistance, wish to utilize your plan's concierge services, have questions about  our plans  and available coverages, or need to start or check on a claim, we're here to help.

Start by asking our Contact Chat for the contact information you need and you will be directed to the correct department:

If you need to start a claim, check on the status of a claim, or contact the Claims Department, you can begin here:

Customer Service

Live chat is available at certain hours. Look for the Start Chat button on desktop or the chat icon on mobile.

Email:  [email protected]

Phone: 800-874-2442 Open 24/7

24/7 Emergency Travel Assistance & Concierge Services

In the United States, toll-free:  877-243-4135 Collect worldwide:  240-330-1529

If you want to contact another Generali company, view our  sister companies  or  non-U.S. resident travel insurance  pages.

Average Customer Rating:

Thank you for visiting csatravelprotection.com

As part of the worldwide Generali Group we have rebranded our travel protection plans to Generali Global Assistance, offering the same quality travel insurance, emergency assistance and outstanding customer service as you've come to rely on for the last 25 years. Welcome to our new website!

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Car insurance: Lower your rates by avoiding these fees and add-ons

Find out what unnecessary charges might be hiding in your car insurance premiums..

Car insurance is a big expense these days: Drivers paid an average of $212 a month for full coverage in February 2024, according to data compiled by Bankrate , a 26% increase from 2023.

Savvy shoppers know you can save money by comparing rates , bundling home and auto insurance and maintaining a good credit score . But you can also trim your premiums by eliminating unnecessary fees and options.

You might be paying a surcharge and not even realize it.

Hidden car insurance fees

Installment payment fee, credit card fee, roadside assistance, gap insurance, bottom line.

Many car insurance companies charge a fee to pay your premiums in monthly installments, rather than in one annual lump sum. States don't regulate these fees, so they can be significantly higher than the cost insurers pay to process your payments.

Your carrier might offer a discount for paying your yearly premium up front: Progressive 's paid-in-full discount is worth up to 15% off, one of the best in the market. Progressive offers more than a dozen other discounts, including for homeowners and safe drivers. Policyholders who qualify for the multiple-car discount average a saving of 12% off their premiums.

Progressive Auto Insurance

The best way to estimate your costs is to request a quote

App available

Policy highlights.

Progressive offers a number of lines of insurance to allow for bundling, and convenient tools to help you keep your coverage in your budget.

Terms apply.

Read our Progressive Auto Insurance review.

Auto-Owners will also discount your rate if you pay in full upfront. The Michigan-based insurer is known for its affordable rates, especially for minimum coverage policies and for specialty vehicles, including classic cars and vehicles modified for accessibility.

Auto-Owners Insurance

Auto-Owners offers affordable premiums with high customer satisfaction ratings. There are 12 different types of discounts available, as well as various other types of insurance besides auto.

It may not be financially feasible for you to pay your annual premium all in one go. If so, a high-yield savings account (HYSA) could help you earn the funds faster: Marcus by Goldman Sachs has a HYSA with an APY of 4.40% with no monthly fees or minimum balance requirements.

Marcus by Goldman Sachs High Yield Online Savings

Annual percentage yield (apy), minimum balance, monthly fee, maximum transactions.

At this time, there is no limit to the number of withdrawals or transfers you can make from your online savings account

Excessive transactions fee

Overdraft fee, offer checking account, offer atm card.

Paying for your car insurance with a credit card might earn you rewards like cash back or travel points . However, some companies add a convenience fee of up to 4% for charging your premiums. Based on the average monthly premium in February 2023, that would work out to $102 a year.

While some of the best rewards cards can earn 2% cash back, you'd still be in the red.

Some companies will waive this fee if you're paying in full, but if you're paying month-by-month, consider linking your checking account and setting up an automatic electronic funds transfer instead of paying with a credit card.

Insurance companies don't charge a lot for roadside assistance — Geico offers it for as little as $14 a year. However, if you already get roadside assistance elsewhere, why pay twice?

The Chase Sapphire Reserve® comes with roadside protection, which covers $50 service calls four times a year through a partnership with Cross Country Motor Club. Available 24 hours a day, it includes towing, jumpstarts, lockouts and fuel delivery. The card's $550 annual fee is further offset by an annual $300 travel credit and unlimited 5X points on flights and 10X points on hotels and car rentals made through Chase Travel.

Chase Sapphire Reserve®

Earn 5X total points on flights and 10X total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases plus, 10X points on Lyft rides through March 2025

Welcome bonus

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.

Regular APR

22.49% - 29.49% variable

Balance transfer fee

5%, minimum $5

Foreign transaction fee

Credit needed.

Read our Chase Sapphire Reserve® review.

• $300 annual travel credit for travel purchases
• Global Entry or TSA PreCheck application fee credit up to $100 every four years
• Priority Pass™ Select lounge access at 1,000+ VIP lounges in over 500 cities worldwide
• Points are worth 50% more when redeemed for travel via Chase Travel℠
• Special benefits at The Luxury Hotel & Resort Collection
• Complimentary year of Lyft Pink membership
• High annual fee, but it can be offset by taking advantage of all the card’s perks
• No introductory APR
• Estimated rewards earned after 1 year: $1,469
• Estimated rewards earned after 5 years: $3,346

Rewards totals incorporate the points earned from the welcome bonus

Most auto manufacturers offer some kind of assistance if you lock yourself out of the car, run out of gas or get a flat, according to Edmunds. Coverage is usually capped at a certain number of miles or years, and each manufacturer's offerings are different, so review your owner's manual or ask the dealer.

If you work with an insurance broker to find an auto policy, you'll likely pay them a commission. You may decide their professional expertise is worth the cost, but you can also gather quotes on your own or with no-cost aggregate sites like Insurify and The Zebra.

Since cars can depreciate quickly in their first few years, the amount you owe on a car loan may be more than the automobile is worth. Gap insurance can cover the difference if the vehicle is totaled or stolen.

If you lease a new car, you may be required to have gap insurance — in fact, it may be included in your lease. If it is, there's no need to buy gap coverage twice.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

If you want to lower your auto insurance premiums, review your statement and see if there are fees or services you can eliminate. It's not a replacement for comparison shopping, but removing gratuitous charges can add up to some real savings.

Why trust CNBC Select?

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every insurance article is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of insurance products. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics.

Catch up on CNBC Select's in-depth coverage of  credit cards ,  banking  and  money , and follow us on  TikTok ,  Facebook ,  Instagram  and  Twitter  to stay up to date.

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Globe Life Insurance Review

Globe life controversy, globe life insurance plans available, how much does globe life insurance cost, how to file a claims with globe life insurance, globe life insurance faqs.

• Why You Should Trust Us

Globe Life Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

Planning for the future is the foundation that continues to draw customers to life insurance companies like Globe Life. Since 1900, Globe Life has helped individuals to face the unexpected and ensure a secure financial future for loved ones.

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Affordable pricing on whole and term life insurance products
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all states except Massachusetts, Minnesota, New Jersey, and New York
• con icon Two crossed lines that form an 'X'. Whole life insurance death benefits are limited
• con icon Two crossed lines that form an 'X'. No options for investment or accelerated death benefits
• con icon Two crossed lines that form an 'X'. No claims filing options online

Life insurance is more diverse than ever before. Its foundation remains supporting families after the passing of a loved one. Globe Life issues 16.8 million policies, more than any of the nation's leading life insurance companies. But volume is only part of the picture.

Globe Life's zero-risk, money-back guarantee makes its policies an excellent fit for middle-income individuals looking to purchase directly from the company with no medical exam and short wait times. In addition, with benefits topping out at just $100,000, life insurance coverage from Globe Life is a good choice for individuals looking to supplement existing or employer-provided life insurance and those seeking coverage for additional family members.

However, even the best no medical exam life insurance doesn't always mean guaranteed acceptance. Buyers should expect medical questions, and the company may request medical records. Its underwriting decisions, especially for more comprehensive policies, will factor in this medical data.

Globe Life's forte is low-cost funeral plans, and customer reviews indicate it delivers on its promises. Kathy of Londonderry, OH, left a review on ConsumerAffairs after losing her 19-year-old grandson, saying, "I am so thankful to Globe Life. We could not have taken care of him without the policy. The funeral cost were paid very quickly with no stress of me handling anything and I could stay focused on what needed done."

Globe Life has been under pressure due to a series of investigations and lawsuits alleging a toxic work environment, deceptive consumer practices, and fraud. Its stock plunged about 50% in mid-April 2024 after a short-seller issued a scathing report describing, among other things, a work culture, "permissive of sexual assault, rape, racism, and widespread illicit drug activity" within American Income Life, a subsidiary of Globe Life. Globe Life denied the allegations, saying in a statement  that the short-seller "mischaracterizes facts and uses unsubstantiated claims and conjecture to present an overall picture of Globe Life that is deliberately false, misleading, and defamatory."

In March 2024, the Department of Justice subpoenaed AIL and Globe Life for documents related to Arias Organization, an affiliate insurance agency. The DOJ investigation, as well as two open investigations conducted by the Equal Employment Opportunity Commission, appear to be ongoing. 

Globe Term Life Insurance

Globe Life offers term life insurance coverage ranging from $5,000 to $100,000. Policies are purchased directly from the company with no medical exam and quick underwriting. Once your application is approved, Globe Life benefits and monthly premiums remain fixed when policyholders make payments on time.

Like any other term policy, Globe Life's policies expire after the set term. Globe Life mentions converting term policies to whole life insurance policies to make coverage permanent. But the website is light on details, focusing on extremely low premiums for specific customers. Globe Life's term life policies are available for adults and children. All applications are subject to underwriting approval. So the pricing listed online (and your acceptance) may vary when you secure the policy.

Globe Whole Life Insurance

Globe Life offers whole life policies with benefits from $5,000 to $50,000. You can purchase policies directly from the company with no medical exam and no long wait times. Rates remain constant for life, as does coverage (when premiums are paid on time), which means you can rest assured in your chosen coverage.

Remember, Globe Life's underwriting will not approve every application, especially with higher limits. No medical exam does not translate into no medical information required. Buyers will need to answer some medical questions, and the company can pull electronic medical records to make its decision. No medical policies are typically sold to select groups like seniors looking for funeral policies or young, healthy buyers willing to pay higher premiums for lower coverage to avoid a medical exam.

Globe Children's Life Insurance

Whole life insurance for kids (or grandkids) is available from Globe Life in numbers ranging from $5,000-$30,000. Full coverage and benefits begin on day one. Available with no medical exam and zero waiting, a hassle-free policy from Globe Life might be the easiest part of welcoming a new member to your family. Benefits remain constant for life, despite age, health status, or occupation when premiums are paid on time.

As with its adult policies, Globe Life offers children whole and term life insurance options. Applicants who get approval for children's policies can also buy more comprehensive policies as adults. However, these smaller policies offer a gateway into life insurance and its financial benefits early in life. Children's life insurance can be a wealth-building tool, particularly with its whole life policies. It's never too early for financial planning.

It's easy to find comparable adult policies through other companies. However, Globe Life's life insurance for children faces less competition overall.

Globe Final Expense Life Insurance

Many of Globe Life's policies could be considered "final expense" policies. By this, we mean the limits are low and only meant to cover funeral costs and a small amount of debt. However, it provides a specific product for seniors comfortable with lower coverage amounts. As a result, approval is often more straightforward.

This policy type comes with obvious limits (the death benefit). However, buyers should also be aware of other limitations, like the inability to build cash value over time. So no matter how long you live, the value will remain the same.

Additional Coverage Options Offered by Globe Life

Accidental Benefits Insurance

You can prepare for the unexpected and the financial strain that can accompany it with an extra layer of protection. Accidental death insurance from Globe Life provides up to $250,000 worth of coverage in the case of accidental death for just $1 to start. In addition, acceptance is guaranteed regardless of health for individuals aged 18-69. Additional benefits, furnished at no extra cost, include coverage for myriad issues from inflation and education to dismemberment and paralysis.

Accidental death coverage only pays out if you're killed in an accident. Causes could include travel-related accidents, trips and falls, poisonings, etc. It would not cover terminal illnesses, extended injuries after an accident, or dying from old age. Globe life also has a supplemental accidental insurance product. Accidental death coverage helps buyers with ambulance riders, ICU stays, and other medical costs of accidents that don't result in death.

Mortgage Protection Insurance

You can protect your family's biggest asset and a potential source of stress in the event of your accidental death. For just a fraction of your monthly mortgage payment, this type of accidental death and dismemberment policy provides between $50,000-$350,000 to pay off your home mortgage. If the payout doesn't pay off your mortgage, loved ones could then look into options to refinance the smaller debt to lower monthly payments.

Rates start at just $5.50 per month, and acceptance is guaranteed for individuals ages 18-69. Additional benefits, furnished at no extra cost, include coverage in the case of a common disaster or commercially scheduled airline accident, among others.

One important thing to note is this is an accidental death and dismemberment policy. In short, it's not a comprehensive plan for every cause of death. Benefits would only apply after a covered accident. The limits are part of what makes this policy so cheap. It's excellent for a policyholder's prime working years but may not be as beneficial for retirees.

Globe Life's advertised rates are affordable, with types of life insurance  for adults and children starting at $1 for the first month, after which the rate is based on the individual's current age and guaranteed for the policy terms. Unlike some competitors, Globe Life also offers a limited money-back guarantee. If unsatisfied, return your policy within 30 days for a full refund.

Globe Life offers many cheap plans with low payouts. These are great for buyers on a tight budget or those seeking easy approval for a funeral cost plan. However, buyers looking for large plans for retirement or other financial planning would find better products with other companies.

Anyone can file a claim with Globe Life, including a spouse, child, another beneficiary, or a family spokesperson (including a representative from a funeral home). Providing the following information will expedite the claims process:

• Life insurance policy number
• Contact info for the beneficiary
• Official death certificate
• Copy of obituary
• Coroner's and/or police report (in the case of accident, homicide, or suicide)

Once gathered, mail all documents to the following:

Globe Life Inc.

PO Box 8076

Attn: Life Claims Department

McKinney, TX 75070

On average, it takes Globe Life 10-15 days to receive, log and process the information included in the above documents. Please bear in mind processing times can vary. Globe Life representatives will notify you should additional information be needed.

It only takes a few minutes to complete its easy online application. Once approved, Globe Life will send a copy of your policy via mail.

Obtaining additional life insurance coverage for family members is easy with Globe Life's e-ServiceCenter. New applications for adults and children are accessible with your current login information if you have an existing plan. New customers can also apply online or over the phone.

Once you've begun the claims process, Globe Life offers phone and online-based customer service. Call Customer Service at 1-888-650-4081 or visit the company's eServiceCenter to check the status of a claim you've filed.

Globe Life Insurance Competitors

Learn more about Globe Life Insurance and whether it is the right life insurance company for you.

Globe Life vs. State Farm Life Insurance

Globe Life prides itself on simple, standard coverage delivering death benefits topping out at $100,000 compared to more robust options from State Farm . Globe Life focuses mainly on small funeral policies or accident coverage. State Farm offers larger payouts and options like its Survivorship Universal Life Insurance, which covers two individuals. So, for example, a husband and wife could buy a policy, and the value would be based on the couple's combined lifespan and qualifications.

Globe Life scored 798 on the latest JD Power US Individual Life Insurance Study. In short, the company earns consistently high marks from customers. Still, State Farm outranks Globe Life with a score of 843. With State Farm, applicants may have to submit to a medical exam. But the company offers more comprehensive policies to pay out in more flexible circumstances. It also has more permanent life insurance options to meet diverse needs. Most importantly, buyers can bundle State Farm life insurance with homeowners, auto, and other State Farm plans.

As you might expect from its JD Power rankings, State Farm customers have a lot to say about the package it provides. Mb of Palm Springs, CA, left a review on ConsumerAffairs , saying, "State Farm may or may not be the cheapest. However, their customer service is outstanding. They proactively contact me to review my insurance once a year. They always answer my questions quickly and clearly. If they don't know immediately, they are willing to admit they don't know and always follow-up ASAP."

State Farm Life Insurance Review

Globe Life vs. Mutual of Omaha Life Insurance

Globe Life has become known for its quick and flexible whole and term life policies. Especially with its accidental death policies, Globe Life offers no medical exam options with fast approvals. Mutual of Omaha is not quite as cheap. Term Life Express is the company's only option for life insurance with no medical exam. But it comes with significantly higher limits than any of Globe Life's policies for all causes of death (not just approved accidents) up to $300,000. The company's strong financial backing means building cash value is easy, as evidenced by options including Universal Life Insurance (boasting coverage over $1 million) and Indexed Universal Life Insurance (a flexible albeit risky way to build cash value).

Both companies have whole life policies. Again, Mutual of Omaha offers a diverse range of policies with higher benefits. Mutual of Omaha customers can enjoy accelerated death benefits in the event of a terminal disease and other riders. Its underwriting may take longer than Globe Life's, but the higher benefits will pay off in the long run for approved customers. At this time, both companies enjoy high customer satisfaction rankings with JD Power.

Most importantly, Mutual of Omaha will likely never offer the bargain policies Globe Life does. But customers still find pricing reasonable. Wendy of Enola, PA, reviewed Mutual of Omaha on ConsumerAffairs , saying, "I have a practical and effective insurance policy with great and affordable rates. Company has an excellent and easy to use website."

Mutual of Omaha Life Insurance

Globe Life vs. SBLI 

SBLI offers Cherish Life final expense insurance up to $35,000 in coverage with two significant benefits. SBLI customers can apply until age 80, and beneficiaries can use benefits to pay for any of the insured's expenses. Globe Life has a cut-off age of 75 to apply. Both companies offer whole and term life insurance policies. Both companies also have no medical exam life insurance options.

At this time, Globe Life's listed policy limits are low. Most policies cover funeral costs. Plans with higher benefits are mostly accident policies (it only pays out if you die due to a covered accident). SBLI doesn't list its limits on its site. However, it focuses on whole and term life insurance for any cause of death.

The customer reviews tell a great story about SBLI. Trustpilot reviewer Matthew says, "SBLI has always been a notch above all others in the insurance industry. We have had policies with them for about 8 years, and have never experienced anything but great service, honest and candid feedback, and they deliver exactly what they communicate!"

SBLI Review

Why You Should Trust Us: How We Reviewed Globe Life Insurance

Life insurance companies are compared based on product quality, insurance riders, net performance scores, pricing, and customer service. A diverse array of life insurance products is used to compare death benefit plans with life insurance designed for long-term financial planning. Opinions expressed here are wholly based on facts gathered.

Ratings are not decided based solely on marketing or single online reviews. Instead, we gather a broad mix of information to rank all insurance products consistently and fairly. Therefore, the best way to ensure you find the right policy is to utilize a qualified agent when shopping for life insurance.

You can read more about our rating system here .

What Does "No Medical Exam" Mean With Globe Life?

None of the life insurance products at Globe Life require a medical or physical exam. Instead, the insurer uses a series of health-related questions (part of the company's online application) to determine eligibility. Full transparency, especially with preexisting conditions, is essential. Dishonesty of any kind puts the insured at risk of policy cancellation or unpaid death benefits. You may be eligible for a small funeral costs policy even if you're denied a more comprehensive life insurance policy.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

• Main content

Baseless claim developer got $1 trillion payday after Baltimore bridge collapse | Fact check

The claim: World Trade Center leaseholder collected $1 trillion from insurance policy on collapsed Baltimore bridge

An April 6 Instagram post ( direct link , archive link ) shows a photo of Larry Silverstein, the New York developer and World Trade Center leaseholder.

“Larry Silverstein cashes in on $1 trillion insurance policy on Baltimore Bridge,” reads text in the image, which is a screenshot of a post on X, formerly Twitter .

It was liked more than 400 times in four days.

Fact check roundup :  Baltimore bridge collapse sparks many misleading claims online. Here's what's true and false.

More from the Fact-Check Team: How we pick and research claims | Email newsletter | Facebook page

Our rating: False

Silverstein has "nothing whatsoever to do with" the Francis Scott Key Bridge, his spokesperson said. Insurance companies do not insure items at values higher than the costs of replacing them, an industry expert said, and a replacement for the bridge is estimated to cost millions of dollars, not $1 trillion. A claim filed by the Maryland agency that operates the bridge was capped at $350 million.

Silverstein had ‘nothing whatsoever to do’ with Key Bridge

The Francis Scott Key Bridge  collapsed into the Patapsco River  around 1:30 a.m. ET March 26. A cargo vessel leaving the Port of Baltimore struck one of the bridge's columns, killing six workers and sending sections of the massive structure plunging into the water.

But the claim in the Instagram post is false. Silverstein did not hold an insurance policy on the bridge and is not collecting a massive payout from its collapse.

Fact check : False claim McConnell's late sister-in-law tied to Baltimore bridge collapse

“Mr. Silverstein had nothing whatsoever to do with the Baltimore bridge,” Dara McQuillan , a spokesperson for Silverstein’s company, said in an email to USA TODAY. “And insurance companies don’t pay out ‘$1 trillion’ to anyone. For anything. Ever.”

That outlandish dollar figure – which represents roughly one-seventh of the insurance industry's global market value in 2022 , according to Statista – is an important clue that the claim is a fabrication.

Insurance companies will not insure an item or property at a value greater than its replacement cost, said Chuck Nyce , a department head and associate professor of risk management and insurance at Florida State University. While the cost of replacing the Key Bridge could surpass $350 million, USA TODAY reported , no credible estimates project it will be anywhere close to the amount in the post.

“It’s not a trillion-dollar bridge,” Nyce said.

That number is 250 times larger than the estimated total value of all insurance claims related to the collapse, which go beyond the structural damage to the bridge and include claims related to the deaths of the six workers and the damage to the ship and its cargo, Reuters reported , citing estimates from analysts of up to $4 billion in losses for insurers, a record for a shipping disaster.

The Key Bridge was built in the 1970s for $60.3 million ( $316 million today ) funded through Maryland Transportation Authority toll bonds . The insurance claim filed by that agency March 26 is capped at $350 million, The Baltimore Sun reported . USA TODAY reached out to the MDTA but did not immediately receive a response.

Anyone wishing to insure a property must have a demonstrated insurable interest in it, Nyce said. In other words, before a policy can be approved, a person must prove he would suffer a loss if that property is harmed , and there is no credible evidence Silverstein, a New York real estate developer, had such an interest in the Key Bridge.

“I have an insurable interest in my house,” Nyce said, by way of example. “I do not have an insurable interest in your house.”

Silverstein, who signed a lease for the World Trade Center six weeks before the Sept. 11, 2001, attacks, has been the subject of conspiracy theories previously debunked by USA TODAY .

The Instagram user who shared the post could not be reached.

Lead Stories also debunked the claim.

Our fact-check sources:

• Dara McQuillan , April 9, Email exchange with USA TODAY
• Chuck Nyce , April 9, Phone interview with USA TODAY
• USA TODAY, April 2, Time, money, lost business are part of hefty price tag to rebuild critical Baltimore bridge
• Reuters, March 28, Insurers could face losses of up to $4 billion after Baltimore bridge tragedy, analyst says
• The Baltimore Sun, April 5, MDTA has filed insurance claim for Key Bridge collapse, is in talks about replacement span
• Association of British Insurers, accessed April 10, Insurable interest
• Statista, accessed April 10, Insurance

Thank you for supporting our journalism. You can subscribe to our print edition, ad-free app or e-newspaper here .

USA TODAY is a verified signatory of the International Fact-Checking Network, which requires a demonstrated commitment to nonpartisanship, fairness and transparency. Our fact-check work is supported in part by a grant from Meta .

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