Ergo travel insurance: rubbish
Ergo Travel Insurance was horrendous, make sure it's not a white-badge provider for another company you use. My elderly parents had fully disclosed health issues & paid a substantial insurance premium. My dad fell & broke his shoulder, receiving excellent care whilst abroad. All Xrays, receipts & travel booking information was provided promptly to Ergo. For months they denied receiving the attachments, until my parents copied me into e/mails, providing proof that all requested details had arrived. After that an e/mail arrived from Ergo, stating that a phone call with further questions had been missed & could we call them back. No missed calls had been received in the period stated (phone number verified as correct). We phoned back & we had a menu option for a) claims before Nov 2025 & b) those after. When we eventually got though, 'the claim handler wasn't available'. We asked for a return call back the next day, between 11am & noon - which did not happen (no missed calls). So we e/mailed yet again & asked for all further questions to be put in writing within 24 hours whilst registering a formal complaint (to be escalated to the FCA). The next day we had confirmation that the funds would be paid into my parents account.
Totally awful service, avoid.