Visas · head to headGlobelink International vs InsureandGo
Globelink International vs InsureandGo
Compared on eligibility rather than price: who each will actually accept. The one that still says yes when you left months ago and you are 72. No upper age limit and it will consider any condition you declare. UK residents, before departure.
The rules side by side
| Rule | Globelink InternationalAlready Travelling / Single trip / Annual | InsureandGoSingle trip / Annual / Backpacker |
|---|---|---|
| Who can buy it | Set list of countriesUK, all EU countries and the EEA (Iceland, Liechtenstein, Norway). Also covers Australian, New Zealand and South African passport holders temporarily resident in the EU. Switzerland is not EEA, so check with them. | Set list of countriesUK residents only. |
| Buy after you have left home | YesDedicated Already Travelling policy, buyable from anywhere in the world. Two-day claim waiting period (waived for a serious medical emergency or witnessed accident), no-claims declaration required, and you must have been abroad no more than 18 months (under 65) or 6 months (66 to 74). | No“InsureandGo is not able to cover you if you have already left the UK.” |
| Maximum age | 8989 on single trip, around 84 on annual, but 74 on the Already Travelling policy and under 70 for winter sports. | No capNo upper age limit, with dedicated over-65, 70, 75, 80 and 85 products. |
| One-way or open-ended trips | YesNo return-ticket requirement; cover ends 72 hours after you leave immigration control at your final destination. | Not verifiedNot verified. |
| Longest trip | 15 months, renewableBackpacker single trip runs to 15 months and can be extended while abroad to 18 months total; annual plans offer 17 to 120 days per trip. | 18 monthsBackpacker up to 18 months; annual per-trip limits run 31 to 55 days by tier. |
| Pre-existing conditions | With conditionsNo screening and no surcharge: a fixed No Screen Conditions list is covered as standard, and anything outside it is excluded. Check the list rather than assuming. | YesFull screening: they will consider any pre-existing condition provided you declare it before buying. |
| Cover in the USA | YesWorldwide options include the USA, but winter sports are not covered there. | YesWorldwide options available. |
| Schengen visa certificate | Not verifiedNo visa-letter or certificate service found on their site. | Not verifiedNot marketed. |
| Winter sports | With conditionsAvailable under 70 only, and excluded in the USA. | With conditionsActivity packs exist; detail not verified (their site blocks automated checking). |
| Scuba diving | With conditionsPart of the 60-plus activities included at no extra cost; check depth limits on their activity list. | Not verifiedNot verified. |
| High-altitude trekking | With conditionsWithin the included activity list; unlisted activities are assessed by email. | Not verifiedNot verified. |
| Scooters and motorbikes | With conditionsUp to 250cc, with a full licence from your home country, a helmet, and recognised roads only. No off-road or racing. Over 250cc by email assessment. | Not verifiedNot verified. |
| Working abroad | With conditionsAdministrative and clerical work including voluntary work is covered; manual work only at ground level with hand tools. | Not verifiedNot verified. |
| Trip cancellation | YesSingle trip: cancellation cover from the day you book. Annual: from the policy start date. | YesIncluded, tier-based. |
| Families | With conditionsIndividual policies; family and group options marketed but not verified. | YesIndividual, couple, family and group. |
| No fixed country of residence | NoRequires UK, EU or EEA residence. | NoUK residency required. |
Both columns are generated from the same rule database the checker uses. Sources: Globelink International and InsureandGo, checked 2026-08-03.
Who each one suits
- Globelink International makes sense when you have already left home, or you are comfortably under 89.
- InsureandGo makes sense when age is the constraint that usually blocks you.
Both columns come from the same rule database the checker uses. Sources: Globelink International and InsureandGo, checked 2026-08-03.