•1 min read•from travel
Admiral vs. InsureandGo - Who actually pays out?
Our take
Choosing the right travel insurance can feel overwhelming, especially when comparing options like Admiral and InsureandGo. As a 28-year-old UK resident planning adventures across Europe and potentially Brazil or Peru, it's crucial to consider real-world claims experiences. Admiral Platinum offers enhanced trip disruption coverage but has a 31-day trip limit and lower gadget cover. On the other hand, InsureandGo Black provides a longer trip limit and higher gadget cover, but at a higher price and with less clarity on internal flight connections.
I'm a 28yo UK resident buying annual travel insurance for Europe and a potential trip to Brazil/Peru. No significant health issues to declare.
Stuck between two quotes and looking for real-world claims experience:
1. Admiral Platinum (£111)
- Pros: Includes "Enhanced Trip Disruption" (covers internal connections like Brazil-Peru) and I’ve added the £0 excess waiver.
- Cons: 31-day trip limit and only £1k gadget cover.
2. InsureandGo Black (£170)
- Pros: 55-day trip limit, £2k gadget cover, and unlimited medical.
- Cons: £60 more expensive and less clear on "internal" flight connections.
I want to ensure stuff like my tickets to attractions and potential missed flights in South America are actually protected.
I’ve read horror stories about claims being ghosted so wanted to hear about any experience with these two brands.
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#travel content#travel insurance#Admiral#InsureandGo#Enhanced Trip Disruption#annual travel insurance#real-world claims experience#claims being ghosted#Europe#medical coverage#Brazil#Peru#excess waiver#gadget cover#consumer experience#trip limit#flight connections#insurance brands#tickets to attractions#missed flights