Coverwise Travel Insurance Reviews: policies and benefits in 2023

Today’s post is a summary of the online Coverwise Travel Insurance reviews. Our objective is to help you make an informed decision about which insurance policy to choose for your next trip.

Reading online Coverwise reviews will allow you to see how other consumers have rated the company’s services, which is particularly helpful when looking for travel insurance.

To ensure that you’re sufficiently informed about Coverwise Travel Insurance, I’ve also included some general information about their policies and benefits, to help you reach a decision.

Coverwise is a UK-based travel insurance company that stands out for its low prices, and high coverage for medical expenses and accidents.

Coverwise Travel Insurance Reviews

When taking out an insurance policy, you want to be sure that you’re contracting with a reputable provider. That’s why I’ve set out both positive and negative Coverwise reviews.

Here are the average scores of Coverwise on two of the biggest insurance review sites in September 2023:

• Coverwise Travel Insurance has an average rating of 4.7/5 on TrustPilot.
• Coverwise Travel Insurance has an average rating of 4.5/5 on ComparebyReview.

Coverwise Travel Insurance Reviews on TrustPilot

TrustPilot is one of the world’s leading online review platforms, where millions of consumers read and share reviews on businesses from around the world.

Trustpilot receives almost 1 million new reviews each month, and at the time of writing this post, there are over 69,000 Coverwise Travel Insurance reviews.

Positive Coverwise travel insurance reviews on TrustPilot

• The overwhelming majority of positive Coverwise reviews concerned how quick and easy it was to contract their policies.
• Many online Coverwise insurance reviews noted the low prices as a stand-out feature, and many users mentioned that Coverwise was the cheapest option on the market.
• There were a number of reviews citing that Coverwise provided great value coverage for over 65s, and that they were able to purchase cheap coverage for their pre-existing conditions.
• Great customer service seems to be a common thread among the online Coverwise travel insurance reviews, with many users commenting that Coverwise’s phone representatives were helpful and took the time to explain things in detail.

Negative Coverwise travel insurance reviews on TrustPilot

• Many users found the Coverwise website as difficult to navigate, and on some pages, the text was very difficult to read.
• Some users believed that their claims were rejected on unfair grounds, and that there weren’t enough clear steps to follow upon making a claim with Coverwise. It’s worth noting that Coverwise travel insurance is underwritten by AXA.
• A number of users expressed their dissatisfaction with the waiting times for responses regarding claims, which ranged from a few weeks, to a few months.

I was unable to find any positive Coverwise reviews about the claims process itself.

Coverwise Travel Insurance Reviews on ComparebyReview

ComparebyReview is an online review platform that specialises in comparing insurance reviews.

ComparebyReview also provides a sentiment score. A sentiment score is an alternative metric for analysing reviews that evaluate the ratio between positive and negative words in a review, reflecting a more authentic review score.

Coverwise travel insurance received a sentiment score of 5.8/10.

Positive Coverwise travel insurance reviews on ComparebyReview

• Users were typically pleased with the price they paid for their policy in relation to their coverage.
• Customer service was again a feature in these Coverwise travel insurance reviews.

Negative Coverwise travel insurance reviews on ComparebyReview

• A number of users claimed that their annual insurance policies were renewed without permission, but that they were promptly refunded.
• Users complained about the slow response following a claim, and even upon receiving a response, the correspondence during the claim’s process was said to be difficult and drawn out, particularly when providing proof.

My personal Coverwise Insurance review

A holiday can come to a screeching halt in a matter of seconds, so it’s better to be prepared, in fact, approximately 1 in 3 travellers are forced to resort to their insurance policies at some point.

Selecting a comprehensive travel insurance policy is the best way to protect yourself from a financial nightmare.

My own experience with Coverwise Insurance was positive. Although I feel like their website is outdated in its layout, I found the contracting process easy and straightforward, not to mention their competitive prices.

The fact that Coverwise provides up to £20,000,000 of cover for medical expenses, as well as broad sports activities coverage, makes it a great option for travel to countries with high medical costs, particularly Canada and the U.S.

Here’s a brief summary of the policies offered by Coverwise in 2023:

Single Trip: for one-off trips and holidays.

Annual Multi-Trip: covers all trips taken in a year.

Winter Sports: add winter sports coverage to either of the above policies.

Which Coverwise Travel Insurance policy is right for me?

When in the process of choosing travel insurance, remember to consider the possible risks involved with your trip, and any special requirements you or your companions may have.

Your traveller profile typically refers to the length of your trip, your destinations, as well as your purpose for travel.

Having a good idea of which traveller profile you fit into is crucial when selecting a policy. As such, I’ve set out the best Coverwise travel insurance policies according to each traveller profile in September 2023:

The best policy for short holidays

If you’re travelling for less than three months, your main concern is getting comprehensive coverage at a good price. This means getting the coverage you need, without paying for coverage you don’t need.

Coverwise Single Trip insurance is easy to contract, offers broad coverage, and comes at an incredibly low price, making it perfect for family holidays, solo travellers, couples, groups, and backpackers.

The best policy for long-term trips

Unfortunately, Coverwise does not currently offer a long-term insurance option. The upper limit of Coverwise’s Single Trip Insurance is 90 days, so if you plan to travel for longer than this, you’ll need to find another insurer.

If you’re planning a long-term trip and need insurance, take a look at our article on long stay insurance, where we cover the best long-term policies for each traveller profile.

Best annual travel insurance policy

Annual travel insurance policies are a great alternative for people who travel frequently, and want a single plan to cover all the trips of less than 24 days they take in a year.

Thanks to the unbelievably low price of the Coverwise Annual Multi-travel plan, even if you take just two trips a year, you’re likely to save money on your insurance by opting for the annual plan.

How Coverwise Travel Insurance works

Finding the right travel insurance can be challenging, but it’s important to remember that taking out insurance provides financial security, and peace of mind, so you can make the most of your trip.

If you end up needing emergency medical treatment, cancellation cover, or cover for lost or stolen belongings while abroad, you can make a claim with Coverwise and recover the costs.

To ensure that your claim is accepted, always declare any underlying medical conditions at the time of contracting, For coverage of pre-existing conditions, you’ll simply need to complete a brief assessment by Coverwise either online or by phone.

If you decide to opt for a Winter sports add-on, for either your Single Trip or Annual policy, you’ll be covered for over 40 different winter activities. Note that with your Coverwise Winter sports policy, you’re only covered for all trips of up to 17 days.

Making a claim with Coverwise Travel Insurance

You should always familiarise yourself with your policy’s terms and conditions before you travel, so you get a strong understanding of what coverage you have. Remember to keep all supporting documents you may need to provide proof of a claim.

If something does go wrong on your trip, you’ll need to start an online claim on Coverwise’s official website. It’s good to initiate this process as soon as possible. Also note that Coverwise has a global medical emergency line that is available 24/7.

What are the benefits of Coverwise Insurance?

From observing the Coverwise travel insurance reviews, it’s clear that the features that set them apart are their competitive prices, extensive medical coverage, and broad sports coverage. Also, all Coverwise policies include Business Travel Insurance, insuring you during your business trips.

Coverwise’s Single Trip and Annual policies are designed to facilitate adventure sports, with over 100 activities included, here are just a few to mention:

• Golf
• Hiking
• River tubing
• Scuba diving
• Bungee jumping
• Kayaking

Coverwise offers up to £20,000,000 of cover for medical expenses, among the highest on the market, a great deal when you consider Coverwise’s low prices. Always abide by the safety regulations, like using a helmet, for example, as this may affect your claim.

Furthermore, Coverwise’s policies include useful Covid-19 coverage, including trip cancellation, trip curtailment, and medical coverage for the virus. It’s important to note that for a claim to be accepted, you must not travel against FCDO recommendations.