Go Protect review: travel insurance with up to €500,000 of medical cover, up to age 99, trips up to 90 days

Go Protect review in short: the holiday plan of our Go range pays medical bills up to €300,000 in Europe and around the Mediterranean, and €500,000 in the rest of the world, with repatriation at actual cost, on trips of up to 90 days. For a resident of Ireland, a week in Spain cost €29.61 on 12 November 2026.

The plan is built in layers. The base covers health and assistance: medical and hospital expenses abroad, advance payment of a hospital bill, repatriation, a relative at your bedside, early return. Every price on this page also includes the luggage option (up to €1,500 per person), which our quotes add by default. The Comfort Package then adds cancellation up to €12,000 per person, personal liability, interruption of stay and flight delay, and a separate option covers high-risk sports.

Our opinion: Go Protect is the plan we would look at first for a holiday of a few days to three months, when the priority is a high medical limit at a low price. Its price does not move with age before 80, our comparison tool quotes it up to the age of 99, and the Comfort Package is priced on the cost of your trip, so you pay for cancellation cover in proportion to what you could lose. For a stay of more than 90 days, Go Explore takes over.

Go Protect is the plan of the range for holidays of up to 90 days. Go Explore and Go Explore + are its long-stay plans: their policy follows a traveller for up to 36 months abroad, we quote them for trips of up to 12 months, and they reimburse medical expenses with no excess. The table sets the three side by side, from their policy documents.

The choice is mostly a matter of length. Up to 90 days, Go Protect offers a medical limit of €500,000 outside Europe and the Mediterranean countries, twice that of Go Explore, and adds cancellation cover on request. Beyond 90 days, or when you want medical expenses paid with no excess, Go Explore and Go Explore + are the plans of the range to look at.

Go Protect reimburses medical and hospital expenses abroad up to €300,000 per person in zone 1 and €500,000 per person in zone 2, with a €30 excess, and can advance the cost of a hospital stay within the same limits. Repatriation is organised and paid at actual cost, with no limit.

Two conditions decide whether a bill is paid. First, call the assistance service before any consultation or hospital admission: only the expenses it has approved are reimbursed, and a hospital stay must be notified within 24 hours. Second, the reimbursement comes on top of any other cover you hold: Go Protect pays the part of the bill that your public scheme or your health insurer does not. If you carry a European Health Insurance Card, use it first; our page on the EHIC card explains what the card itself pays.

Go Protect pays for a serious, sudden and unforeseeable illness or an accident during the trip; a minor condition that can be treated on the spot without interrupting the trip is not covered. The policy excludes pre-existing illnesses and injuries that led to day-case (outpatient) hospital treatment in the 3 months before departure, and conditions under treatment that are not yet stabilised and could worsen suddenly. Maternity costs, planned treatment, follow-up appointments and medical expenses in Ireland, your country of residence, are not covered.

The limit depends on your destination: €300,000 per person in the 48 countries the notice lists as zone 1, €500,000 per person in the rest of the world, outside Europe and the Mediterranean countries. Spain, France, Portugal, Italy and the United Kingdom are in zone 1; the USA, Canada, Thailand, Japan and Australia are in zone 2. Ireland is on the zone 1 list, but medical expenses are only covered outside your country of residence.

• Zone 1, €300,000 per person: Albania, Algeria, Andorra, Austria, Belgium, Bosnia and Herzegovina, Bulgaria, Croatia, Cyprus, Czech Republic, Denmark, Egypt, Estonia, Finland, mainland France, Germany, Gibraltar, Greece, Hungary, Ireland, Israel, Italy, Jordan, Kosovo, Latvia, Lebanon, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Montenegro, Morocco, Netherlands, North Macedonia, Poland, Portugal, Romania, Saint Martin, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland, Tunisia, Turkey, United Kingdom.
• Zone 2, €500,000 per person: the rest of the world outside Europe and the Mediterranean countries, among them the USA, Canada, Thailand, Japan, Australia and New Zealand. Russia, Ukraine and North Korea are not covered.

The Comfort Package (Pack Confort in our quote form) adds four types of cover in one go: cancellation up to €12,000 per person, personal liability up to €4,500,000, interruption of stay up to €2,500 per person and flight or train delay up to €200 per person; the table below also gives the limits per claim and per incident. On HelloSafe, you add it by asking for cancellation cover in the quote form and entering the price of your trip.

Because its price follows the cost of your trip, the Comfort Package stays small on a low-cost city break and grows with a long-haul holiday; the price table further down shows both. Without it, Go Protect covers health and assistance, plus luggage through the luggage option included in our quotes, but not cancellation, personal liability, interruption of stay or delay.

With the Comfort Package, Go Protect refunds the cancellation fees charged by your travel provider up to €12,000 per person and €50,000 per claim, within the trip price you declared. The excess depends on the reason: none for illness, accident or death, €30 per person for the reasons listed in the notice, 10% of the fees, at least €100 per person, for any other justified reason.

If you have to cancel, tell your travel provider at once, then report the claim in writing to the policy administrator within 5 working days of the event: if you cancel late, the refund stops at the fees that were due on the day of the event. A refused tourist visa is covered when the application was lodged at least one month before departure and that country's authorities had not refused an earlier application of yours, provided your application met their requirements and left them time to decide before the trip. A death in the family counts when it occurs in the month before departure, and a psychological condition when it led to a hospital stay of more than 4 consecutive days after the policy was taken out.

Your luggage is insured up to €1,500 per person against theft, destruction and loss by a carrier, with an excess of €25 per suitcase. It is an option of the policy, and every Go Protect price we quote includes it.

After a ski accident on open, marked slopes, Go Protect pays for rescue from the slope at actual cost, with no limit and no option to add. Fifteen riskier activities, trekking, surfing, off-piste skiing and scuba diving among them, are covered only when you add the high-risk sports option.

Two points matter before a sporting holiday. The personal liability cover of the Comfort Package does not extend to air or water sports, with or without the option. And lift passes, ski hire and winter sports equipment are not insured: the sports equipment option leaves winter gear out. Our page on ski travel insurance compares the plans on piste, off-piste and rescue cover.

Go Protect costs €29.61 for a week in Spain and €32.54 for a week in the USA for a traveller resident in Ireland, luggage option included, on quotes obtained on 12 November 2026. The price depends on three things: the length of the trip, the destination zone and the age of the traveller (children pay less than adults, and the price rises from the age of 80). The Comfort Package and the other options are added on top.

Three levers explain these prices. Length: the price is the same for 3, 7 and 10 days in Spain (€29.61) and again for 45 and 90 days (€53.79), so the daily cost falls from €4.23 for a week to €0.60 over three months. Zone: the same week costs €2.93 more in the USA than in Spain. Age: the price is identical at 34, 70 and 79, and rises from the age of 80 (€43.17 for the week in Spain).

The Comfort Package follows the price of your trip: for the same week in Spain it adds €14.79 for a trip costing €500, €23.65 for €1,000 and €41.40 for €2,000. On each of the seven trips we priced with cancellation cover on 12 November 2026, Go Protect was the lowest-priced of the 3 or 4 policies quoted. In the same range, the week in Spain was quoted at €55.37 for Go Explore and €73.45 for Go Explore +. For a family, our page on family travel insurance compares the plans with children.

Residents of Ireland have taken out 42 Go Protect policies through HelloSafe, covering 67 travellers, out of 1,535 policies for the plan across all countries of residence since 29 March 2026. They are mostly long-haul holidaymakers: 16 of the 42 trips go to the USA, and half of the 42 last 10 days or less.

Go Protect is chosen for long-haul destinations, where the €500,000 limit applies, and by older travellers, who are quoted fewer policies: for a week in Spain, our comparison tool returned 11 policies at 34, 5 at 70 and 2 at 85, Go Protect among them each time.

If you travel several times a year, compare with a multi-trip travel insurance policy. If you are over 70, our guide to senior travel insurance lists the plans that still quote at your age, and for the States our comparison of travel insurance for the USA sets Go Protect beside the other policies.

Any resident of Ireland can take out Go Protect, up to the age of 99, for a private or business trip abroad of up to 90 consecutive days, alone or with up to eight other travellers on the same quote.

Go Protect is insured by Mutuaide Assistance, a French insurance company that carries the assistance, medical expenses, cancellation, luggage, interruption of stay and delay cover. The personal liability cover is insured by Tokio Marine HCC, under policy no. 35.806.460. Claims for cancellation, luggage, interruption of stay and delay are handled by the policy administrator; a personal liability claim goes to the insurer of that cover.

In an emergency, the order of the steps matters, because assistance can only be provided if you call at the time of the event.

1. Call the assistance service before any consultation or hospital admission, give your policy number and the place where you are, and note the file number you are given.
2. Let its doctors organise the care: they approve the expenses, can advance the hospital costs when you cannot be repatriated at once, and decide on any repatriation.
3. Keep every original document: invoices, prescriptions, the hospital admission certificate, the police report, the carrier's irregularity certificate for lost or damaged luggage.
4. Send your claim to the right contact within the deadline shown in the table.

If you are unhappy with the way a claim is handled, complain in writing first: a written complaint is acknowledged within 10 working days and answered within two months. If the answer does not satisfy you, the policy names the French insurance ombudsman, La Médiation de l'Assurance (mediation-assurance.org), which takes complaints in French or English. From Ireland, you can also contact the Financial Services and Pensions Ombudsman (fspo.ie): Go Protect is governed by French law, so the FSPO may refer your complaint to its French counterpart through FIN-NET, the European network of financial ombudsmen.

Across the 19 trips of the price table above, priced for residents of Ireland on 12 November 2026, Go Protect was the lowest-priced plan 11 times and the second lowest 8 times, and it was one of only two plans still quoted at 85. For each trip, the last two columns of that table give the number of plans our comparison tool returned and Go Protect's rank by price among them.

Six strengths set Go Protect apart, from its policy wording and from the prices quoted above.

• ✓
  A €500,000 medical limit on long-haul trips: €300,000 in zone 1 (Europe and the Mediterranean countries), with repatriation at actual cost in both zones.
• ✓
  Cover up to 99: The same price from 34 to 79, and cover up to the age of 99.
• ✓
  One price for the first 10 days: €29.61 for 3, 7 or 10 days in Spain on 12 November 2026.
• ✓
  Cancellation for any justified reason: With the Comfort Package, up to €12,000 per person, with a 10% excess outside the listed reasons.
• ✓
  Piste rescue at actual cost: Included in the base cover, with no limit.
• ✓
  Three months away for the price of a month and a half: €53.79 for 45 or 90 days in Spain, €58.99 for 90 days in the USA.

Review updated in November 2026, from the policy information notice (2026 conditions dated 15 January 2026), its insurance product information document, the notices of Go Explore and Go Explore +, 42 quote requests made on 12 November 2026 for travellers resident in Ireland on our travel insurance comparison tool, and the Go Protect policies taken out through HelloSafe.

Recommended for youA. FruchardCo-Founder & Travel Insurance Expert

Our recommendation for a trip of up to three months

You are treated abroad with the hospital costs advanced for you, flown home if your condition requires it, and covered up to €500,000 outside Europe and the Mediterranean countries, whether you are 30 or 85. That is what Go Protect does best, and it was among the lowest-priced policies of our comparison on the trips we quoted. Add the Comfort Package as soon as your trip is booked if you have prepaid flights or accommodation: it refunds up to €12,000 per person and carries the personal liability cover. For a stay of more than 90 days, Go Explore is the plan of the range to choose.

Enter your dates in the form at the top of the page to see today’s price, with or without the Comfort Package.

• How much does Go Protect cost?

  For a traveller resident in Ireland, Go Protect cost €29.61 for 7 days in Spain and €32.54 for 7 days in the USA on 12 November 2026, luggage option included. A 30-day trip cost €49.95 in Spain and €54.69 in the USA. The price is the same at 34 and at 79, and rises from the age of 80.

• What is the medical cover limit of Go Protect?

  €300,000 per person in the 48 countries of zone 1, Spain, France and the United Kingdom among them, and €500,000 per person in the rest of the world, with a €30 excess. Emergency dental treatment is covered up to €300 with no excess, and repatriation is paid at actual cost.

• Is there an age limit?

  Go Protect accepts travellers up to the age of 99. For a week in Spain quoted on 12 November 2026, the price was €29.61 up to the age of 79 and €43.17 from 80.

• How long can a trip last?

  Up to 90 consecutive days. Events that happen after the 90th day are not covered, and our comparison tool does not quote Go Protect for a 91-day trip. For a longer stay, Go Explore and Go Explore + are quoted for trips of up to 12 months.

• Does Go Protect refund my trip if I cancel?

  Yes, with the Comfort Package: up to €12,000 per person and €50,000 per claim. There is no excess for illness, accident or death, a €30 excess per person for the listed reasons such as redundancy or a refused visa, and an excess of 10% of the cancellation fees, at least €100 per person, for any other justified reason.

• When do I have to take out the cancellation cover?

  Within 48 hours of booking your trip; failing that, it remains available until 20 days before departure at the latest. If you take it out 30 days or less before departure, a 5-day waiting period applies to cancellation. Events that occur between the booking and the purchase of the policy are not covered.

• Is skiing covered?

  Skiing on open, marked slopes is covered: rescue from the slope is paid at actual cost, with no limit, provided the accident is reported from the resort before the end of the holiday. Off-piste skiing and snowboarding are covered with the high-risk sports option, which also raises search and rescue costs from €10,000 to €25,000.

• Are my existing medical conditions covered?

  Go Protect covers a serious, sudden and unforeseeable illness or an accident during the trip. It excludes pre-existing conditions that led to day-case (outpatient) hospital treatment in the 3 months before departure, and conditions under treatment that are not yet stabilised and could worsen suddenly. Planned treatment and follow-up appointments are not covered.

• Do I have to call before going to hospital?

  Yes. The assistance service must be called before any consultation or hospital admission, and a hospital stay must be notified within 24 hours. Expenses it has not approved are not reimbursed.

• Is my luggage covered?

  Yes, up to €1,500 per person with a €25 excess per suitcase, and up to €750 for valuables. The luggage cover is an option of the policy that every HelloSafe quote for Go Protect includes. A theft must be reported to the police within 24 hours and the claim sent within 48 hours.

• What happens if my tourist visa is refused?

  With the Comfort Package, a refused tourist visa is a covered reason for cancelling, with a €30 excess per person, provided the application was lodged at least one month before departure, met that country’s requirements, left its authorities time to decide before your trip, and you had no earlier refusal from the same country.

• Can I change my mind after buying?

  For a policy lasting more than one month, you have a 14-day cooling-off period from the date of signature shown on your application form or travel booking form.