STAY CLEAR OF THIS MOB INSURE.COM. They happily take your money but if you dare to make a claim they ship you on to another organisation REACTIVE CLAIMS set up to blatantly stonewall you and fight every penny of any claim. They are absolute sham merchants in every sense. In the summer of last year my wife and I booked our honeymoon (flights in and out of Scandinavia and hotels in various cities with train journeys between there selected cities). I mistakenly used INSURE.COM as my insurance provider for this 2 week trip. 3 DAYS prior to our honeymoon I was hospitalised with an abscess and when I came out of hospital the wound required dressing every day for around a month, longer than the period of the planned honeymoon. Prior to hospitalisation we managed to cancel what we could. Hotels in 3 or the 4 cities we planned to visit, but the flights into Copenhagen and out of Bergan, the hotel in Copenhagen for 3 night and the train journeys between the 4 cities had already been paid for in advance and therefore none refundable. This a shortfall of around £1300 which I wrongly assumed that the insurance would cover! I managed to obtain a statement from Ryanair saying our flights out to Copenhagen were not used and also from the hotel in Copenhagen saying that our booking though paid for was never used. A big thank you to these 2 organisations. But REACTIVE CLAIMS say they will not pay out because I cannot obtain a statement from the Scandinavian Rail Company or Norwegian Air to say that the pre-booked tickets were not used by someone else! Obviously we didn’t travel during this period of ill health and we don’t know anyone in Denmark, Sweden or Norway to give these tickets to. My recommendation to anyone reading this is to use a known reputable insurance provider and certainly not these jokers.

The worst insurance experience I've ever had. Bought travel insurance for a family trip to Spain. Few days before we were due to go my son got beaten up, ended up on hospital in a very bad way and we had to cancel. I managed to cancel the apartment and some elements of the trip but I was still around £500 out of pocket so I put in a claim. The claim goes through a company called Reactive. Everything is SLOW... massive forms, repeated requests for the same bits of paper. I provided everything they asked for - emails from the hotel, hospital forms etc etc. They insisted I provide a no-fly letter from Ryanair (even though they had ample proof that we had not made the trip). This proved to be nigh on impossible to get hold of... it took me hours of messages and waiting on hold and almost a year! Eventually I got it, sent it in. I then got an email telling me they would not pay out on my claim - because the excess is £195 per person, kids included, so the excess is more than the claim!!! So maybe this is in part my bad - I should have read the policy more carefully, but I had read it and had read it as £195 per adult. But WHY oh WHY not check this excess before they insist I fill in reams of forms? Before I spend hours chasing and sending bits of paperwork? Keep in mind they know my son has just come out of hospital with a serious head injury... all they cared about was asking me for yet another bit of paperwork (hospital discharge form, letter from GP... Why put a parent through that for nothing?) This travel insurance has cost me so many hours, a ton of frustration, and was beyond worthless. Please don't use this company - if you actually have to claim it's just not worth it.

Have tried to contact this company 8 times by phone, once by chat and 2 emails, to make an amendment to my travel insurance. I have had no reply to my emails and just cannot get through the phone lines. It makes me think that if I did want to make a claim in the future it would be near impossible. Customer service non- existent.

Have been trying to get in touch with this company for a month. Have tried phone calls you are left hanging on for hours, our age life is too short to be holding on too long! Try emails, they come back saying we can only talk to the account holder, I am the account holder. Then they say not the right email address! Oh come on. We can’t discuss this in an email you need to phone, you don’t answer the phone you email, we are extremely busy they say but we do answer. Just don’t even bother with this company. They are cheaper for a reason I now know what that is they don’t employ anyone and I seriously doubt if I had a problem they would not cover me or even answer the phone! AVOID

I want to add criuse insurance on to my existing policy tried to ring them for 4 days a different time of day can’t get through just saying they know I am on the line. Went on the Chat and they said they would try and get someone to ring me if they can, still haven’t heard anything. It is absolutely disgusting. Would not recommend anyone to take out insurance with this company. Need to ring me as I have spent a lot of time and money as I think it is a premium rate when you ring.

Bought this insurance in February for travelling to Portugal in october. Spoke to someone online to try get cover as loveholidays at the time wasn offering a refund 5 days before we flew. The Insurance didn't cover a anything so bought it for nothing. They said they'd offer a refund. Decided to take up that offer aof a refund a few days later after loveholidays finally gave a refund low and behold no refund available. DO NOT TRUST THIS COMPANY WITH YIUR LIFE OR MONEY!!!!

No customer service travel ins that does not look after clients if i could give 0 stars i would, had to wait three months to find out i was not covered for covid cancelled holiday !. That was only after going to financial ombudsman and Money supermarket just terrible.

I took out an annual premier policy last summer with the winter sports upgrade, they did not cover the Coronavrius and were so rude on the phone. I would honestly never do business with this company ever again. They have so many specified clauses that ensure you do not get your money back.

I discovered today that my Insurefor Annual Premier policy does not cover me for losses incurred as a result of Coronavirus and flight cancellations. Whilst Ryanair have done the right thing and refunded flight costs in full on the back of Foreign Office advice not to fly, Insurefor have washed their hands of the problem. The policy clearly says that if the Foreign Office advises against travel then the policy is not valid for those who travel. However, if a policyholder adheres to this advice, Insurefor will not refund any costs incurred as a result of cancelling. This strikes me as immoral. I have used this company for a number of years but this will now stop. Fat cats at their worse and I am embarrassed to think that I fell it. I am lucky that I have lots of friends across the UK to share this disgraceful behaviour with.

So I'm waiting to be seen by the physio for what is thought to be a slight muscle strain. But because it is supposedly undiagnosed they won't cover me? Would sound hilarious if it wasn't true. Just to clarify, in case you think 'well it could be something serious, and they are just covering themselves'. I rang several other companies e.g. Aviva who said that something like that they wouldn't even bother to put on an exemption list it was so minor.

I setup a annual travel policy for my wife who is deaf. I spoke to an agent explained my wife was deaf and that need to change the policy start date. The agent couldn't have been any more obstructive. At one point saying your wife will have to speak to the agent on phone. Would recommend giving this company a wide birth.

We tried to claim on our multi trip travel insurance after my wife had her handbag snatched in teneriffe. It took them 5 months to sort a claim for less than 200 pounds, it was as if they did not believe we had been abroad even though we had letters form police etc. Save your money and get travel insurance of somebody else, as they are a waste of time and money.

Had to cancel a holiday due to family illness. This poor excuse for a company then pulled out every trick and excuse they could not to have to pay out- including finding definitions off the internet to counter the claim submitting (as they couldn't find anything suitable in their own T&C's)- however, when presented with a definition of the same word found on the internet which supported the claim, it wasn't accepted. A letter from a medical professional was also submitted to support the claim that we needed to stay at home, but this was also rejected as not relevant. The wording of their claim rejection was pretty appalling and insulting- totally dismissive and defensive from the very first contact, with a definite tone that they've had your money and anyone submitting a claim is just being awkward or trying to fleece them. With so much competition in this market, don't even consider this shoddy company- you'd be better off buying a lottery ticket with the money as the odds of getting anything out of this lot if anything goes wrong are higher than any lottery.

My wife needed medical treatment while in the US, the "24 hour medical emergency" number was phoned, very nice gentlemen took all my detail and even phoned me back for more details and said that someone would call me in the morning (United Kindom time). No-one did phone me and when I phoned them they told me they could not confirm that I was covered on my insurance as insurefor.com wasn't open on a Sunday and what did I expect taking out insurance over the Internet!

You have to be very careful and read every word from the policy and they will still find the way how not to pay the money back. I made a claim at the end of July 2012 and have not received an answer till today (10 Dec 12) but they were quick to renew the travell insurance and took the money from my account today. When I called and asked about my claim they said they had sent it (I have not received anything). I asked for the copy send via email and learnt that I am getting £10 instead of £330 for the travel tickets! I could not fly because of my high risk pregnancy. I paid £17 to GP for the confirmation about my medical state and £20 to the airline for their letter of confirmation of cancellation of the flight.So basically, I have paid £27 on top of my travel tickets! It looks like the company is very quick to take your money but when it comes to paying something back you are left with almost nothing or even less.

A simple dental claim you would expect would be quick and easy. Send Receipt /proof of payment calculate the claim less the excess money by return - oh no... not so with Insurefor.com. The information they require mostly irrelevant means that the process takes for ever. The whole claim process is so intensive and frustrating that it seems to me that it is designed to make most people give up . I didn't I filled in the claim form ( the first part of the form is mainly asking for bank details and seeking other potential areas where they will try and pass the buck.) Amazingly they wrote back and wanted the name of my bank account- why because some banks offer insurance. (the claim was for the grand sum total of £78! The hardest £78 i have ever come by . I would not like to be making a claim for something serious with this firm . Frankly I question whether holiday insurance is worth it at all. Insurance companies in general need a dose of the treatment Banks are getting currently which is investigation into poor terms / sharp practice poor value ,hidden terms exclusions etc. Maybe they will be all squeeky clean but I doubt it? That's my view