Aegis (formerly GoReady) Travel Insurance Review 2024

Aegis (formerly GoReady Travel) sells a wide range of travel insurance policies that are good for vacationers, adventurers, cruisers and international travelers. You’ll find everything from a basic trip cancellation policy to a comprehensive plan that provides generous benefits for medical, evacuation, delay and interruption expenses to policies for multiple trips.

With “Stress Less Benefits,” you may be able to avoid the hassle of fronting your own money and submitting a claim for reimbursement if you experience a problem like flight disruption, injury or illness.

The GoReady Choice plan is Aegis’s highest-rated policy in Forbes Advisor’s evaluation but was not one of our top picks for the best travel insurance. It offers $250,000 in emergency medical assistance, evacuation and repatriation. It also includes $500 in baggage insurance and $200 in baggage delay coverage.

Aegis offers the following optional upgrades to its GoReady Choice plan:

• “Cancel for any reason” travel insurance
• $500,000 in travel medical insurance and emergency medical evacuation
• $2,000 in baggage insurance
• $50,000 in rental car protection
• $1,000 in sports and business equipment coverage
• Pre-existing medical condition exclusion waiver

GoReady Pandemic Plus plan: The Pandemic Plus policy provides $500,000 in medical evacuation coverage and $50,000 in medical expense travel insurance. It also includes trip interruption and trip cancellation coverage, as well as travel delay benefits of $1,000 per person after a six-hour holdup.

The plan’s baggage insurance provides up to $2,500 per person and the baggage delay coverage provides up to $500 per person after a 12-hour waiting period. The Pandemic Plus plan also covers missed connections after a three-hour delay, providing $250 per person.

GoReady Trip Cancellation plan: This plan is good for domestic travelers who do not need emergency medical and evacuation coverage. The plan allows you to cancel your trip for more than 20 reasons, such as illness, death of a family member, airline delays, traffic accidents, job loss and jury duty.

You can also buy a trip interruption travel insurance upgrade, which reimburses 150% of insured trip costs if you cut your trip short for a reason listed in your policy.

GoReady VIP plan: This policy is good for travelers who want high coverage limits or who has medical concerns. The plan offers up to $250,000 per person in coverage for medical and dental coverage and up to $1 million per person in coverage for emergency assistance and transportation. It also provides trip interruption compensation of 175% of insured trip costs, compared to most policies that have 100% or 150%. You’ll also get $50,000 of rental car damage coverage and a $2,000 benefit per person for electronics and professional equipment.

GoReady Cruise plan: This plan is good for those going on a cruise who want high coverage limits. The plan offers $100,000 per person for medical emergency expenses and $250,000 for medical evacuation.

The plan can provide up to $2,500 per person for baggage loss and up to $2,500 for baggage delay, as well as $250 in coverage for an itinerary change. Upgrades are available for baggage, travel delay and rental cars. You can also get a pre-existing medical condition exclusion waiver if you buy your travel insurance policy within 24 hours of making your final trip deposit.

GoReady Annual/Multi-Trip Preferred plan: This plan is good for travelers who take two or more trips per year. It covers an unlimited number of trips per calendar year and includes important coverage types like trip cancellation and trip interruption insurance. It also includes travel delay ($750), baggage coverage ($1,000) and baggage delay ($200). The plan also includes $100,000 per person for medical emergency assistance and transportation.

GoReady Annual/Multi-Trip Primary plan: This plan is good for travelers who take three or more trips per year and travelers who take extended trips of 30 to 90 days. The plan offers baggage coverage ($1,000), baggage delay ($100 per person, $300 policy limit) and $30,000 in primary coverage for emergency accident and sickness medical expenses.

A GoReady travel insurance policy from Aegis offers upgrades for additional coverage like “cancel for any reason” travel insurance or “cancel for work reasons” coverage, which reimburses you 75% or 100%, respectively, for prepaid trip expenses you lose.

You can upgrade your policy limits with certain plans. For example, the GoReady Choice policy includes $250,000 in emergency medical assistance and transportation, but you can buy up to $500,000 worth of coverage.

Other GoReady upgrades, depending on the policy, include:

• Accidental death and dismemberment coverage
• Electronics and professional equipment coverage
• Rental car damage
• Sporting and business equipment coverage
• Upgraded baggage and personal effects coverage

Because benefits vary among Aegis travel insurance plans, so do the costs of its policies. Cost generally varies by your age and trip cost. Here are examples of prices for the GoReady Choice plan.

Travelers and trip	Cost per trip for the Aegis GoReady Choice policy
Two travelers age 30, $3,000 trip cost, traveling to Mexico for 8 days	$58
Two travelers age 40, $6,000 trip cost, traveling to Italy for 17 days	$208
Family with two parents age 40 and two children, $15,000 trip cost, traveling to Italy for 17 days	$418
Family with two parents age 40 and two children, $15,000 trip cost, traveling to France for 17 days	$418
Family with two parents age 40 and two children, $15,000 trip cost, traveling to the U.K. for 17 days	$418
Two travelers age 65, $6,000 trip cost, traveling to the Italy for 17 days	$404
Two travelers age 70, $3,000 trip cost, traveling to the Mexico for 8 days	$212

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A GoReady plan includes access to 24/7 travel assistance services that include identity theft, lost luggage help, pre-trip planning (such as passport and visa requirements), restaurant recommendations, hotel recommendations, medication replacement, medical assistance, medical repatriation and translation services.

All travel plans have exclusions, so it’s wise to read the fine print and be familiar with what your plan doesn’t cover. Here are some examples of exclusions to emergency medical coverage for the GoReady Choice plan:

• Dental treatment not related to an accidental injury
• Injuries or illness related to being intoxicated above the legal limit or under the influence of drugs
• Mental or emotional disorders
• Injuries for activities such as contact sports, skydiving, hang gliding, parachuting, horse racing, car or motorcycle racing, scuba diving and bungee jumping
• Cosmetic surgery, except as the result of an accident
• Suicide or attempted suicide
• Traveling for the purpose of getting medical treatment
• Participation in a riot or civil disorder

If you need to file a claim, you can contact Aegis by phone, email or live chat. You can start the process by completing a claim form and providing the necessary supporting documentation. You can expect the process to take between seven to 10 business days, according to Aegis.

We analyzed travel insurance policies that include “cancel for any reason” coverage. We scored 23 policies on the following:

Cost (75% of score): Average prices for CFAR policies are based on rates for seven different trips for a variety of traveler ages and trip costs:

• Couple, age 30 for a Mexico trip costing $3,000.
• Couple, age 40, for an Italy trip costing $6,000.
• Family of four for an Italy trip costing $15,000.
• Family of four for a France trip costing $15,000.
• Family of four for a U.K. trip costing $15,000.
• Couple, age 65, for an Italy trip costing $6,000.
• Couple, age 70, for a Mexico trip costing $3,000.

CFAR reimbursement level of trip cost: (25% of score): Policies providing 75% reimbursement were awarded points.