AEGIS (Formerly GoReady) Travel Insurance Review: Is it Worth the Cost?

GoReady offers plans tailored for different kinds of travel, including cruises and vacation rentals.
Carissa Rawson
By Carissa Rawson 
Published
Edited by Meg Lee

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Purchasing travel insurance can provide peace of mind on your trips, especially when you opt for a policy that covers trip delays and includes emergency medical benefits.

AEGIS insurance is a travel insurance provider with a variety of options to suit travelers. Here's a look at the company's different plans, what’s covered and how to choose a plan that works for you.

What does AEGIS travel insurance cover?

AEGIS travel insurance provides six different policies to customers with varying levels of coverage. These are called:

  • Choice.

  • Pandemic Plus.

  • Vacation Rental.

  • Cruise.

  • Trip Cancellation.

  • VIP.

Depending on your itinerary, one plan may be superior; this is especially true if you opt for something specialized like a Vacation Rental policy or Cruise policy.

Otherwise, you can expect a fairly standard coverage from AEGIS, such as:

AEGIS insurance plans

To generate quotes, we created a sample trip for one 46-year-old traveler from Colorado heading on a two-week trip to Argentina.

AEGIS offers three more "standard" travel insurance plans: Choice, Trip Cancellation and VIP. Here’s how the costs and coverage vary across these plan options.

AEGIS standard plans

Coverage

Choice

Trip Cancellation

VIP

Maximum trip length

60 days.

60 days.

60 days.

Trip cancellation

100% of trip cost.

100% of trip cost.

100% of trip cost.

Trip interruption

150% of trip cost.

Add-on available.

175% of trip cost.

Trip delay

$2,000 ($200 per day starting at six hours).

Coverage not included.

$1,500 ($250 per day starting at six hours).

Missed connection

$500 starting at three hours.

Coverage not included.

$1,000 starting at three hours.

Baggage delay

$200 starting at 24 hours.

Coverage not included.

$750 starting at 24 hours.

Lost luggage

$500.

Coverage not included.

$2,500.

Emergency medical expense

$50,000.

Coverage not included.

$250,000.

Emergency evacuation and repatriation

$250,000.

Coverage not included.

$1 million.

Accidental death and dismemberment

$10,000.

Coverage not included.

$50,000 ($100,000 air only).

Rental car coverage

Add-on available.

Coverage not included.

$50,000.

Pre-existing medical condition exclusion waiver

Add-on available.

Included if policy purchased within 14 days of initial trip deposit.

Included if policy purchased within 14 days of initial trip deposit.

The cost for our Argentina-bound traveler for the Choice plan is $178, while for Trip Cancellation and VIP, the price is $169 and $263, respectively.

AEGIS specialty plans

AEGIS also offers three travel insurance plans oriented toward specialty experiences, including for those staying in a vacation rental or going on a cruise.

Coverage

Pandemic Plus

Vacation Rental

Cruise

Maximum trip length

90 days.

30 days.

90 days.

Trip cancellation

100% of trip cost.

100% of trip cost.

100% of trip cost.

Trip interruption

150% of trip cost.

100% of trip cost.

150% of trip cost.

Trip delay

$1,000 ($200 per day starting at six hours).

$1,000 ($200 per day starting at six hours).

$1,000 ($250 per day starting at six hours).

Missed connection

$250 starting at three hours.

Coverage not included.

$750 starting at three hours.

Baggage delay

$500 starting at 12 hours.

$200 starting at 24 hours.

$750 starting at 24 hours.

Airline ticket change fee

$200.

Coverage not included.

Coverage not included.

Itinerary change

Coverage note included.

Coverage not included.

$250.

Lost luggage

$500.

Coverage not included.

$2,500.

Sporting equipment delay

Coverage not included.

$250 starting at 24 hours.

Coverage not included.

Vacation rental damage

Coverage not included.

$1,000.

Coverage not included.

Security deposit waiver

Coverage not included.

$1,000.

Coverage not included.

Emergency medical expense

$50,000.

$50,000.

$100,000.

Emergency evacuation and repatriation

$500,000.

$250,000.

$250,000.

Travel inconvenience beach and golf closure

Coverage not included.

$100.

Coverage not included.

Early-purchase benefit: Pre-existing medical condition exclusion waiver

Included if policy purchased within 14 days of initial trip deposit.

Included if policy purchased within 14 days of initial trip deposit.

Included if policy purchased within 24 hours of final payment.

Specialty plans don't always mean higher costs. The Pandemic Plus coverage will cost the sample trip traveler $199, while Vacation Rental coverage is $258.75 and Cruise coverage is $246.

What isn’t covered by AEGIS

An AEGIS insurance review wouldn't be complete without considering what types of situations aren’t covered. While these aren't included in the base package, you can consider adding this coverage by purchasing it as an add-on.

There will be other situations that are excluded from your policy. To find these, review the full benefits schedule of the plan that you’re considering.

How to choose a AEGIS plan online

Is AEGIS insurance legitimate? It is, and purchasing a plan online is simple. To do so, go to AEGIS’s website. On the homepage, you’ll input your information to generate a quote. This includes travel destination, age and state of residence.

Once you’ve tapped “Get My Quote,” you’ll be presented with all six of AEGIS's available options, including costs and a breakdown of inclusions.

From here, you’ll be able to select the plan that suits your needs and pick any optional add-ons. Then, you’ll go through the checkout process. After you’ve paid, your plan becomes active.

Which AEGIS plan is best for me?

Choosing the right plan for your trip involves understanding what type of coverage you need.

  • For cruises. The Cruise plan has the ability to include pre-existing conditions long after this option disappears with other policies. It also covers you in the event you miss prepaid events if your travel provider changes your itinerary. 

  • For the best service. The VIP plan offers the most comprehensive suite of benefits and the highest payouts, including rental car coverage

  • For vacation rental stays. The Vacation Rental plan is a superior option for those in short term rentals because of its coverage for damage, which includes up to $1,000 for security deposit loss. 

  • For those with their own medical insurance. The Trip Cancellation plan is the least expensive option but still provides trip protections in the event that your travel is canceled. 

AEGIS's travel insurance plans may make sense for you, but before purchasing a policy, check to see whether a travel credit card you hold offers its own complimentary travel insurance.

Is AEGIS travel insurance worth it?

AEGIS offers several travel insurance plans to choose from, with some levels of customization to help you get the exact coverage you're looking for.

Overall, travel insurance is worth it, but AEGIS might not give you the best deal. Shop around with other travel insurance companies to make sure you're getting the lowest price for the protections you need.

If you have a travel credit card, look at what travel insurance benefits are included to avoid duplicating your coverage.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

Cards for Travel Insurance from our Partners
Chase Sapphire Reserve Credit Card

on Chase's website

Chase Sapphire Reserve®
5.0
NerdWallet Rating
Rewards rate

1x-10x

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®.

Points
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Points
Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

Southwest Rapid Rewards® Plus Credit Card
4.2
NerdWallet Rating
Rewards rate

1x-2x

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

Points

Intro offer

30,000

Limited-time offer: Earn Companion Pass® good through 2/28/25 plus 30,000 points after you spend $4,000 on purchases in the first 3 months from account opening.

Points
See more cards
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