GoReady Travel Insurance Review 2023

About GoReady travel insurance

GoReady travel insurance provides coverage for adventurers, cruisers, vacationers and international jetsetters. Its travel insurance policies range from basic trip cancellation insurance to comprehensive travel insurance plans with COVID-19 coverage. 

In our rating of the best travel insurance, the GoReady Choice plan gets 3.5 stars out of 5. Compared to other top-scoring travel insurance plans in our rating, GoReady Choice has the cheapest average cost of travel insurance per trip, but this plan offers comparably low coverage limits for medical and emergency evacuation benefits. 

GoReady travel insurance plans

GoReady travel insurance plans come with Aegis’ “Stress Less Benefits” which pay to solve certain travel woes on your behalf, removing the need for you to pay out of pocket and file a claim for reimbursement. 

GoReady plans also come with a “free look” period, so you have time after buying a travel insurance plan to decide if it’s right for you. If you decide you no longer want the plan, and haven’t started your trip or filed a claim, GoReady will fully refund your policy premium. 

Consider each type of travel insurance plan to choose which is best for your travel needs.

GoReady Choice single-trip plan

The Go Ready Choice single-trip plan is for individuals who want robust domestic or international travel coverage and the ability to customize the policy. 

The base GoReady Choice travel insurance plan includes:

• $50,000 per person in emergency medical expenses (secondary coverage).
• $250,000 in medical evacuation and repatriation (secondary coverage).
• $10,000 in accidental death and dismemberment benefit.
• $500 baggage coverage per day.
• $500 per person in missed connection coverage, after a three-hour delay.
• 150% of insured trip cost for trip interruption.

Upgrades are available to increase some coverage limits, for an additional cost. Other upgrade options include: 

• 100% trip cancellation for work reasons.
• 75% CFAR coverage upgrade, up to $10,000.
• $50,000 rental car damage per person, with a $100 deductible.
• $1,000 in sports coverage.
• $1,000 in electronic and professional equipment coverage.

GoReady Pandemic travel insurance plus plan

For those worried about COVID and other pandemic-related issues, the Pandemic travel insurance plus plan may be for you. 

This travel plan offers primary insurance benefits and “cancel for any reason” (CFAR) coverage for any single trip. It includes coverage for airline ticket change fees, quarantine accommodations, trip interruption and trip cancellation.

GoReady trip cancellation insurance plan

The GoReady trip cancellation travel insurance plan is for domestic travelers concerned about their trip being canceled. This plan will cover stays with Airbnb or VRBO. There are more than 20 reasons this plan will cover you 100% for trip cancellation, including:

• Job loss.
• Jury duty.
• Terrorism.
• Common carrier delays.
• Traffic accidents.
• Military leave.
• Injury, illness or death of you or your family member.

GoReady VIP plan

The most robust plan Aegis offers, the GoReady VIP plan may be a good choice for travelers driving a rental car or worrying about trip interruption due to a fragile or lengthy medical history. 

It will reimburse up to 100% of the insured trip cost for trip cancellation or 175% for trip interruption. 

GoReady VIP offers:

• $1,000,000 per person for medical emergency evacuation and repatriation (secondary coverage).
• $250,000 per person in medical coverage (secondary coverage). 
• $2,500 per person for baggage coverage.
• $1,000 per person for a missed connection, after a three-hour delay.
• $250 per person per day for COVID-19 quarantine, after a six-hour delay.

GoReady cruise plan

The GoReady cruise plan is designed to cover single-trip domestic or international sea and land vacations. It includes:

• $250,000 per person for medical evacuation or repatriation (secondary coverage). 
• $100,000 per person for medical expenses (secondary coverage).
• $750 per person for a missed connection, after a three-hour delay.
• $250 for an itinerary change.
• 150% of insured trip cost for trip interruption.

You can also upgrade the limits for baggage coverage and travel delay coverage, or add “cancel for any reason” coverage to your plan.

Planning a cruise? Compare the best cruise travel insurance. 

GoReady vacation rental plan

If you are looking to rent a vacation home, condo or Airbnb, GoReady’s vacation rental plan could be what you need. 

GoReady vacation rental plan covers security deposit protection of up to $1,000 (upgraded coverage available), rental damage of $1,000 per accommodation, a pet bundle and travel inconvenience coverage of $100 per person for loss of access to the beach or golf course. Medical benefits include $50,000 of coverage per person and emergency evacuation and repatriation coverage is $250,000 per benefit per person.

Optional upgrades include rental car collision insurance of up to $40,000 (with a $100 deductible) and “cancel for any reason” coverage of 75% of your insured trip. 

GoReady annual multi-trip travel insurance preferred plan

If you plan to go on two or more trips in the next year, GoReady’s annual multi-trip preferred travel insurance plan may be a good fit. You can travel internationally and with a large family to reap the benefits of this travel plan. 

It includes features like baggage protection and delay, travel delay, rental car damage, accidental death and dismemberment, medical and emergency evacuation and repatriation. 

You can also upgrade the COVID-19 quarantine travel delay, trip interruption and trip cancellation coverages. This Aegis travel plan will only cover up to 31 days per trip annually.

GoReady annual primary multi-trip travel insurance plan

If you take trips up to 90 days long or want primary medical insurance coverage, the GoReady annual primary multi-trip travel insurance plan may be the right choice. 

This plan offers up to $2,000 in trip interruption coverage, $25,000 in accidental death and dismemberment, $30,000 in medical expenses per person (primary coverage) and $50,000 per person for emergency evacuation and repatriation (primary coverage). It also has airline ticket change fee coverage of $200 per person, after a minimum three-hour delay. 

Other coverage options offered

GoReady travel insurance plans offer several optional ways to customize your travel insurance. Upgrade options and coverage limits vary by plan. For example, the GoReady Choice travel insurance plan comes with $250,000 in emergency medical evacuation coverage, but you can upgrade to $500,000 in coverage by paying extra. 

Other upgrades available include:

• “Cancel for any reason” (CFAR) coverage.
• Cancel for work reasons coverage.
• Rental car damage coverage.
• Electronics and professional equipment coverage.
• Business and sporting equipment coverage.
• Upgraded baggage and personal effects coverage.

What GoReady doesn’t cover

Like other travel plan policies, there are some exclusions GoReady doesn’t cover. Reading the fine print of your policy carefully can help you identify what your plan won’t cover. And don’t forget about the “free look” period, which gives you time to decide if the plan is the right choice. If you decide it isn’t, you can be eligible for a full refund of the premium you paid. 

Here are some medical coverage exclusions that GoReady’s Choice plan won’t cover:

• Cosmetic surgery that isn’t the result of an injury sustained during your trip.
• Dental treatments that aren’t an accidental injury.
• Emotional or mental disorders.
• Injuries sustained in activities like bungee jumping, vehicle racing, parachuting, hang gliding or playing contact sports.
• Suicide.
• Taking part in civil disorder or a riot.
• Traveling for medical treatment.

GoReady travel insurance cost

Your cost for travel insurance will depend on several factors such as your age, number of travelers, length of trip and trip cost. We’ve gathered some sample rates for GoReady Choice travel insurance plan.

Methodology

Our insurance experts reviewed 42 aspects of 53 policies to find the best travel insurance plans. We used data provided by Squaremouth, a travel insurance comparison provider. For companies offering more than one travel insurance plan, we shared information about the highest-scoring plan (or two, in case of a tie). 

Some companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to get travel insurance quotes to see your full range of options. 

The factors we scored out of a possible 100 points include the following. 

Cost: 30 points. We scored the average cost for each travel insurance policy for a variety of trips and traveler profiles:

• Couple, age 30 for an eight-day trip to Mexico costing $3,000.
• Couple, age 30 for an eight-day trip to Mexico costing $3,000, with CFAR coverage upgrade.
• Couple, age 40, for a 17-day trip to Italy costing $6,000.
• Couple, age 40, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
• Family of four, for a 17-day trip to Italy costing $15,000.
• Family of four, for a 17-day trip to Italy costing $15,000, with CFAR coverage upgrade.
• Couple, age 65, for a 17-day trip to Italy costing $6,000.
• Couple, age 65, for a 17-day trip to Italy costing $6,000, with CFAR coverage upgrade.
• Couple, age 70, for an eight-day trip to Mexico costing $3,000.
• Couple, age 70, for an eight-day trip to Mexico costing $3,000, with CFAR coverage upgrade.

Medical expenses: 15 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with travel medical expense benefits of $250,000 or more per person were given the highest score of 15 points.

Medical evacuation: 15 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 15 points.

“Cancel for any reason” upgrade: 5 points. We gave travel insurance plans with the option of a “cancel for any reason” upgrade 5 points.

Trip interruption travel insurance: 5 points. We gave 5 points to travel insurance plans that offer trip interruption reimbursement of 150% or more.

Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in at 6 hours or less.

Baggage delay required waiting time: 5 points. We gave 5 points to travel insurance policies with baggage delay benefits that kick in at 12 hours or less.

Pre-existing medical condition exclusion waiver: 5 points. We gave policies that cover pre-existing medical conditions if purchased within a required timeline 5 points.

Non-medical evacuation: 5 points. If a policy provides coverage for non-medical evacuation, such as for political or security reasons, we gave it 5 points.

Cancel for work reasons: 5 points. If a plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points. 

Employment layoff: 5 points. Travel insurance policies that allow you to cancel your trip because of layoff at a company where you have worked for one continuous year scored 5 points. If a plan requires that you had the job for more than a year to qualify, no points were given.