GoCompare Travel Insurance: Is It the Right Choice for Your Next Trip?
When planning a holiday or business trip, travel insurance is often one of the last things people think about—but it shouldn’t be. The right policy can save you from unexpected costs, delays, or emergencies while abroad. That’s where GoCompare Travel Insurance comes in. As one of the UK’s most popular comparison platforms, GoCompare allows users to compare multiple travel insurance policies in one place.
In this guide, we’ll explore what GoCompare Travel Insurance is, how it works, its main features and benefits, and whether it’s the right choice for your travel needs.
What Is GoCompare Travel Insurance?
GoCompare is not an insurance provider itself but a price comparison website based in the UK. It helps customers compare quotes from a wide range of travel insurance providers. This includes everything from basic single-trip coverage to more comprehensive multi-trip and specialist policies like cruise or winter sports insurance.
When you search for travel insurance through GoCompare, the platform generates a list of policy options tailored to your trip details—such as destination, duration, age, medical conditions, and activity types.
How GoCompare Travel Insurance Works
Using GoCompare for travel insurance is straightforward:
- Enter Trip Details
Input your destination, dates of travel, type of trip, and any known medical conditions. - Compare Quotes
The site will present a list of travel insurance policies from different providers, highlighting the price, coverage limits, excess amounts, and optional extras. - Choose and Buy
Once you select a policy, you’ll be directed to the insurer’s official site to complete the purchase. GoCompare does not charge users for this service.
This process saves time and offers greater transparency by showing what’s included in each policy upfront.
Key Features of GoCompare Travel Insurance
Because GoCompare is a comparison platform, the features you get depend on the insurer you choose. However, the platform itself offers several tools to help guide your decision:
1. Wide Range of Insurance Types
GoCompare supports a variety of policy types, including:
- Single Trip Insurance
- Annual Multi-Trip Insurance
- Backpacker or Long-Stay Insurance
- Cruise Insurance
- Winter Sports Insurance
- Pre-Existing Medical Conditions Coverage
This makes it suitable for almost any kind of traveler.
2. Tailored Search Filters
You can sort and filter results based on:
- Price (lowest to highest)
- Coverage levels (e.g., cancellation, baggage, medical)
- Provider reputation
- Optional extras (e.g., gadget cover, COVID-19 protection)
3. Defaqto Ratings
GoCompare includes Defaqto star ratings, which offer an independent measure of a policy’s comprehensiveness—helpful for evaluating quality beyond just price.
4. Transparent Comparisons
Each result includes:
- Medical expense cover
- Cancellation cover
- Baggage loss cover
- Personal liability
- Policy excess
- Provider name and customer reviews
This transparency helps users understand the true value of each policy.
Pros of Using GoCompare for Travel Insurance
✅ Easy to Use
GoCompare simplifies the process of finding suitable travel insurance. It only takes a few minutes to generate quotes based on your personal information.
✅ Saves Time and Effort
Rather than visiting each insurance provider’s website separately, GoCompare allows you to view and compare multiple quotes side-by-side.
✅ Access to Exclusive Deals
Some insurers offer exclusive discounts or perks when you purchase through GoCompare, which might not be available directly.
✅ Helps Identify the Best Value
The platform helps users find not just the cheapest option, but the best-value policy that balances price with coverage.
✅ Useful for Pre-Existing Conditions
GoCompare includes options to filter for policies that cover specific medical conditions, helping those with health issues find suitable protection.
Cons to Consider
❌ GoCompare Doesn’t Underwrite Policies
Since GoCompare is not an insurer, any questions, claims, or disputes must be handled directly with the chosen provider—not through GoCompare.
❌ Overwhelming Choices
For some users, the number of options and differences in coverage details can be overwhelming or confusing.
❌ Not All Insurers Are Included
While GoCompare partners with many providers, it does not include every insurer in the UK market. You might still find better deals elsewhere in rare cases.
What Does Travel Insurance Typically Cover?
To understand whether GoCompare can help you find the right insurance, it’s useful to know what typical policies include:
- Medical Expenses: Emergency treatments, hospital stays, and repatriation.
- Trip Cancellation: Reimbursement if you must cancel your trip due to illness, bereavement, or other covered reasons.
- Lost or Delayed Baggage: Compensation for missing or delayed items.
- Personal Liability: Covers legal fees or damages if you’re held responsible for injury or property damage.
- Travel Delays: Coverage for expenses caused by delayed departures or missed connections.
Optional extras might include:
- Gadget cover (phones, laptops, cameras)
- Sports equipment protection
- COVID-19-related cover
- Cruise-specific benefits
- Adventure activities cover
GoCompare allows you to filter for these extras when selecting policies.
Who Should Use GoCompare Travel Insurance?
GoCompare is especially useful for:
● Budget-Conscious Travelers
If price is a major concern, GoCompare helps identify the most affordable options that still meet your needs.
● First-Time Travelers
The platform simplifies the insurance selection process for people who may not be familiar with policy terms.
● Travelers with Specific Needs
Whether you’re going skiing, taking a cruise, or traveling with a medical condition, GoCompare helps find niche policies quickly.
● Frequent Travelers
If you travel multiple times per year, you can use GoCompare to compare multi-trip or annual policies to save money in the long run.
Tips for Using GoCompare Effectively
To get the most from your GoCompare experience:
- Be Honest About Medical Conditions
Disclosing existing conditions ensures your policy is valid. Some providers specialize in medical travel insurance. - Don’t Just Choose the Cheapest
A lower premium might mean higher excess fees or limited coverage. Balance cost with coverage levels. - Check the Excess Amounts
Some cheap policies have high excess fees, which means you’ll pay more out-of-pocket if you make a claim. - Read the Policy Documents
Always click through to the provider’s site and read the policy wording before purchase to understand what is and isn’t covered.
GoCompare vs Other Comparison Sites
There are other well-known travel insurance comparison sites in the UK, such as:
- Compare the Market
- Confused.com
- MoneySuperMarket
While all offer similar services, GoCompare is known for its simple interface, solid partner network, and strong filtering tools. However, it’s always smart to cross-check a couple of platforms if you want the widest range of quotes.
Is GoCompare Travel Insurance Right for You?
If you’re looking to save time and money while still securing solid coverage, GoCompare Travel Insurance is definitely worth considering. It simplifies the shopping experience, shows a wide range of options, and gives you tools to evaluate coverage quality—not just price.
However, keep in mind that GoCompare is only a middleman, and you’ll need to work directly with your chosen provider for claims or support. Still, as a starting point for finding travel insurance that meets your needs and budget, GoCompare is a smart and user-friendly choice.
Final Thoughts
Travel insurance offers essential protection during uncertain times, whether you’re traveling across the UK or abroad. GoCompare provides a convenient, informative way to explore your options, compare policies, and make a confident choice without pressure.
It’s not about finding the cheapest policy—it’s about finding the right coverage at the best value. And GoCompare is one of the best tools to help you do just that.