Get Going Holiday Insurance Review

Why specialist medical cover matters

Choosing a provider like Get Going is often a priority for UK travellers who have been diagnosed with chronic or historical health issues. Standard policies may exclude claims related to known conditions, leaving you vulnerable to high medical bills abroad. By using a specialist system, you ensure that your specific health profile is factored into your premium and protection level. This is particularly vital for destinations like the USA or Spain, where private medical costs can quickly escalate into tens of thousands of pounds.

• Protects against the cost of emergency surgery abroad
• Covers repatriation to the UK if medically necessary
• Ensures cancellation cover applies if a condition worsens
• Avoids the risk of a claim being rejected for non-disclosure
• Provides access to 24-hour medical emergency helplines

What is typically covered

Get Going offers three main levels of cover: Basic, Standard, and Premier. While the limits vary, most policies focus on high-value medical protection, often providing up to £10 million in emergency cover. This includes hospital stays, medication, and the cost of a medical escort if you cannot fly home as planned. Beyond health, you will find protection for travel delays, missed departures, and lost or stolen luggage. Higher tiers also include better provision for scheduled airline failure and legal expenses.

• Emergency medical and repatriation expenses
• Cancellation, curtailment, and trip interruption
• Personal baggage and money protection
• Personal liability and legal costs
• Hospital daily benefit for inpatient stays

Common exclusions to watch for

Like all UK insurers, Get Going has specific exclusions that travellers must understand before departure. Most notably, any medical condition not declared during the screening process will not be covered. There are also restrictions on claims arising from alcohol or drug misuse, and participation in high-risk sports without a specific activity pack. You are also generally not covered for travel to a destination where the Foreign, Commonwealth and Development Office (FCDO) has advised against all or all but essential travel.

Typical costs and pricing factors

The cost of Get Going holiday insurance varies significantly based on your age, destination, and health status. For a healthy 30-year-old on a one-week trip to Europe, a policy might cost between £15 and £25. However, for a traveller in their 70s with cardiovascular conditions heading to the USA, premiums could exceed £150. Insurers calculate risk based on the likelihood of a claim and the local cost of healthcare in your chosen country.

• Age of the oldest traveller on the policy
• Duration of the trip and destination risk
• Number and severity of pre-existing conditions
• Chosen excess level (higher excess reduces premium)
• Additional add-ons like cruise or winter sports cover

Navigating medical screening

The medical screening process is the most critical part of purchasing Get Going holiday insurance. You must answer questions about your health history honestly, covering everything from blood pressure medication to past surgeries. Failure to disclose a condition - even if you think it is minor - can invalidate your entire policy. This process ensures that if you fall ill due to an existing ailment, the insurer is legally obligated to handle the costs according to the policy terms.

Claims and evidence requirements

If you need to make a claim, the Financial Ombudsman Service (FOS) stresses the importance of keeping a clear paper trail. For medical claims, you must contact the 24-hour assistance team as soon as possible. For theft or lost items, a police report obtained within 24 hours of the incident is usually mandatory. Always keep receipts for emergency purchases and copies of your medical reports to ensure the claims team can process your request efficiently without unnecessary delays.

Regulatory context and the GHIC

Get Going is a brand that operates within the strict guidelines of the Financial Conduct Authority (FCA). This provides UK consumers with protection and the right to complain to the FOS if a claim is handled unfairly. For those travelling to the EU, the Global Health Insurance Card (GHIC) is a vital companion to your private insurance. While the GHIC provides access to state-funded healthcare, it does not cover private treatment or repatriation, which is why a private policy remains essential.

Practical travel checklist

Before you head to the airport, ensure your insurance details are easily accessible. Do not rely solely on a digital copy; a printed version can be helpful if your phone battery dies or you lack internet access in a foreign hospital. Check that your policy dates cover your departure and return fully, and verify that all names match your passports exactly to avoid administrative issues during a claim.