Coverwise Travel Insurance Reviews: policies and benefits in 2023

Today, we’re looking at Coverwise Travel Insurance reviews on platforms such as TrustPilot and ComparebyReview. We also cover how Coverwise’s policies work, the traveller profiles they’re suited to, and their best features, so you can get the ideal policy.

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.

Coverwise Insurance Reviews

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.

How to contract Coverwise Travel Insurance

  1. Go to the Coverwise Travel Insurance website and select the type of insurance you want:

    Single Trip
    Single Trip with Winter Sports
    Annual Multi-trip
    Annual Multi-trip with Winter Sports

  2. Fill in trip details: destination, travel dates, traveller details, medical declarations (important).
  3. Choose your plan, from least to most coverage: Standard, Bronze, Silver Plus, and Gold.
  4. Choose additional cover: Gadget cover (good for digital nomads), or Trip Disruption cover.
  5. Enter your payment details.

That’s it! You’re ready to travel.

Comparing Coverwise Travel Insurance with other insurers

While sifting through Coverwise insurance reviews, don’t forget to compare different policies, to ensure you get the right level of coverage for the trip you want to take, and at the best available price.

In order to find the most suitable policy for your trip, it’s important to think about your traveller profile, and what types of coverage will be most useful for your trip.

To help you, I’ve created this comparative table for trips of less than 3 months, so you can easily see where the top insurers stand when it comes to the most crucial benefits for short-term trips.

chapka assurance
heymondo logo
iati seguros logo
logo oasis insurance
logo safetywing
Short Stay
Short Stay
Price for 7 days
Discount in September 2023
– 5%
– 5%
– 5%
Activate Discount
Activate Discount
Activate Discount
Get a Free Quote
Get a Free Quote
Medical expenses
3.500.000 €
Actual costs
Actual costs
Theft or loss of luggage
Actual costs
Actual costs
Actual costs
Actual costs
Sports activities
Phone theft
Camera or drone theft
All types of stays
All types of stays
All types of stays
All types of stays
Digital nomad
Chapka insurance
HeyMondo insurance
IATI travel insurance
SafetyWing insurance
Promo Code Chapka
Promo Code Heymondo
Promo Code IATI

FAQs about Coverwise Travel Insurance

What are the means of payment for Coverwise Insurance?

Coverwise receives payment by card. Once you have arrived at the payment stage, you will be given the option of paying with either Visa, Visa Electron, Mastercard, Delta, or Maestro.

Why take out a policy with Coverwise Travel Insurance?

Some of the most useful coverage provided by Coverwise includes high medical coverage, cancellation coverage, trip curtailment, loss or theft of belongings, and much more.

Coverwise policies also include passport & visa coverage, which covers reasonable accommodation and transport costs incurred to replace lost or stolen passports or visas.

Coverwise has a 24/7 medical help line. Having a policy that offers financial security is crucial, but it’s also important to know that you can call your provider at any time and receive assistance, especially when travelling in a foreign country.

How to reduce the cost of your trip

One thing that all travellers have in common is the desire to save money while travelling. More often than not, to be able to continue travelling!

So, let’s take a step back from our Coverwise travel insurance review to take a look at some money-saving tips.

There are countless ways to make your travels cheaper. Choosing insurance that is tailored to your needs is vital, but remember that flights and accommodation are crucial factors as well.

Here are a few tricks I’ve learned over the years, they’ll help you save money on your travels, so you can focus on the things you enjoy about travelling.

Find cheaper flights

You know, flights don’t cost the same from all countries! To pay for my cheapest flights, I use NordVPN.

Basically, it’s a private network that allows you to access Internet sites from locations other than your own, and this can have some serious benefits:

In September 2023, enjoy a 59% discount on NordVPN.
Click here to activate your discount

Flights from Barcelona to Buenos Aires don’t cost the same if you buy them from Spain as from India, for example. So, once you’ve installed NordVPN, simply access websites like Skyscanner and compare prices by entering as if you were browsing from different countries.

The 8 countries from which it is cheapest to buy flights are: Malaysia, Bulgaria, India, Turkey, Romania, Indonesia, Portugal, and Thailand. Once you have NordVPN, head over to Skyscanner and start paying reduced prices for flights all over the world!

Finding cheap accommodation these days is really tough, I also want to share my tips for saving money on your accommodation.

Find accommodation at a discount

Access now and get discounts of up to 15% in September 2023 by becoming a Genius user.

There are also ways to save money when booking your accommodation with Booking. The first of which is becoming a Genius user, something you get from making 2 bookings (Genius level 1), and 5 bookings (Genius level 2).

As a Genius user in, you can enjoy:

  • Discounts on room rates.
  • Free breakfast.
  • Upgrades to superior room categories.
  • Free parking.
  • Late check-out.
  • Welcome gifts.

In addition, there are hotels in that directly offer you a 10 to 15% discount on your rate for being a Genius user.

Access to get discounts of up to 15% by becoming a Genius user.

Finally, has a Minimum Price Guarantee program, so if you find a cheaper price for your hotel on any other website, they’ll match it!

Is taking out Coverwise Travel Insurance worth it?

Coverwise is easy to contract, provides extensive medical coverage, all for a great price. In other words, Coverwise Travel Insurance offers great value for money.

Reading Coverwise reviews is a good way to gauge users’ real-life experiences with their policies. However, it’s essential that you also read the terms and conditions of your policy carefully, so you’re not met with any nasty surprises if something goes wrong.

Ultimately, the answer to whether Coverwise Travel Insurance is right for your trip depends on the specific needs. Remember that the ideal policy for someone else might not be right for you, and vice versa.

Taking out insurance provides you with crucial financial protection, and peace of mind. Thus, I hope that this Coverwise Travel Insurance review has helped you reach a conclusion. Safe travels! ✈️

Michaël Louis
Michaël Louis
I am a digital nomad with a passion for new technologies and travel. We created Planet Nomad to help you on your way to geographical freedom: digital nomadism and online entrepreneurship.

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