Aegis GoReady travel insurance review 2024
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BLUEPRINT
Updated 12:04 p.m. UTC April 16, 2024
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Pros
- GoReady Choice is a budget-friendly travel insurance plan.
- No waiting period for superior weather and hurricane coverage.
- Excellent $2,000 per person benefits for travel delays with just a six-hour delay.
- Very good $250,000 per person medical evacuation coverage.
Cons
- “Cancel for any reason” (CFAR) coverage is only available as an upgrade with GoReady Choice when travel insurance is purchased within one day of your first trip payment.
- Low baggage delay coverage of $200 per person with a 24-hour wait.
- Low medical expense coverage of $50,000 per person.
Why trust our travel insurance experts
Our team of travel experts evaluates hundreds of insurance products and analyzes thousands of data points to help you find the best product for your situation. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content. You can read more about our methodology below.
- 1,855 coverage details evaluated.
- 567 rates reviewed.
- 5 levels of fact-checking.
About GoReady travel insurance from Aegis
Aegis sells GoReady travel insurance coverage for adventurers, cruisers, vacationers and international jetsetters. Its travel insurance policies range from basic trip cancellation insurance to comprehensive travel insurance plans with travel medical insurance.
If you experience an injury, flight disruption or illness, GoReady’s “Stress Less Benefits” can help you get reimbursement up front so you don’t have to wait for claim processing and a refund.
In our rating of the best travel insurance, the GoReady Choice plan gets 4.5 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 “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 the GoReady Choice travel insurance plan.
| TRIP | AVERAGE COST OF GOREADY CHOICE |
|---|---|
Two travelers age 30, $3,000 trip cost, traveling to Mexico for eight days without CFAR
| $58
|
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days without CFAR
| $208
|
Two travelers age 70, $3,000 trip cost, traveling to Mexico for eight days without CFAR
| $212
|
Two travelers age 65, $6,000 trip cost, traveling to Italy for 17 days without CFAR
| $404
|
Four travelers ages 40, 40, 10 and 7, $15,000 trip cost, traveling to Italy for 17 days without CFAR
| $418
|
Four travelers ages 40, 40, 10 and 7, $15,000 trip cost, traveling to France for 17 days without CFAR
| $418
|
Four travelers ages 40, 40, 10 and 7, $15,000 trip cost, traveling to the U.K. for 17 days without CFAR
| $418
|
Compare the best travel insurance companies of 2024
| Travel insurance company | Top-scoring plan | Best travel insurance rating | Medical benefits per person | Evacuation limits per person | Learn More | |||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
 WorldTrips | Atlas Journey Preferred | $250,000 primary coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
| ||||||||||||
 Travel Insured | Worldwide Trip Protector | $100,000 primary coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
| ||||||||||||
 TravelSafe | Classic | $100,000 primary coverage | $1,000,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
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 Aegis | Go Ready Choice | $50,000 secondary coverage | $250,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
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 Travelex | Travel Select | $50,000 primary coverage | $500,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
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 AIG | Travel Guard Preferred | $50,000 Primary coverage | $500,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
| ||||||||||||
 Nationwide | Cruise Choice | $100,000 secondary coverage | $500,000 | Compare Quotes Via TravelInsurance.com’s website | ||||||||
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Methodology
Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance of 2024. For companies with more than one travel insurance plan, we shared information about the highest-scoring plan.
Insurers could score up to 100 points based on the following factors:
- Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
- Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
- Medical evacuation: 10 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 10 points.
- Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
- Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
- “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
- Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
- Cancel for work reasons: 5 points. If a travel insurance 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.
- Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.
Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.
Aegis Go Ready travel insurance FAQs
Aegis Go Ready travel insurance has a rating of 4.06 stars out of 5 on Squaremouth, based on 1,131 reviews of policies purchased on the travel insurance comparison site since 2013. Its rating for customer service during a claim is 3.5 stars. If you filter reviews by people who filed a claim, the unhappy customers cite claims not being processed as quickly as they’d hoped and claims being denied for things not covered by the policy, such as mental health.
Yes, some GoReady travel insurance plans offer “cancel for any reason” (CFAR) coverage as an optional upgrade. To be eligible for this upgrade, you must buy the upgrade within one to 14 days (depending on the plan) of making your first trip payment.
With CFAR, you can be reimbursed for up to 75% of your nonrefundable trip expenses, provided you cancel your trip at least 48 hours before your scheduled departure date.
“Cancel for work reasons” is also available with some plans. If you want either coverage, make sure to choose a plan that offers these upgrades.
Yes, GoReady offers travel insurance plans that covers COVID-19.
GoReady Choice and Pandemic Plus plans are good options for COVID-19 travel insurance. Both plans will reimburse up to 100% of nonrefundable trip costs if you contract COVID-19 before your departure date and have to cancel your trip. They will also cover medical expenses, up to your policy limit, if you contract COVID-19 while on your trip.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
