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Coverwise: Annual Travel Insurance reviews

Name: Annual Travel Insurance
Rating: 1.98 (66 reviews)

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2.09

Based on 66 reviews, last reviewed 9th Sep 2025

100% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

15%

69%

Latest highest rating:

4

I have used Coverwise for many years for basic low c... I have used Coverwise for many years for basic low cost annual travel insurance. Its cost competitive and simple to get a quote. Reviewed on: 9th September 2025

Latest lowest rating:

1

Avoid Coverwise at All Costs. A Complete Nightmare! If I could give Coverwise zero stars, I would. It has taken them FOUR MONTHS to review my claim, dragging me through endless hoops, requesting documen... Read more Reviewed on: 12th March 2025

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About this product

Do you buy travel insurance before going abroad? There are hundreds of different travel insurance policies on the market, all designed to help you stay protected while travelling...and giving you piece of mind, whether you're enjoying a sun swept beach or on an adverture-packed holiday. But with so many different policies to choose from, finding the right policy for you can be quite confusing. Reading our Coverwise travel insurance reviews can help you find out what other travellers have to say. You can also write your Coverwise travel insurance review too!

Coverwise Annual Travel Insurance reviews (66)

Review of the Coverwise, Annual Travel Insurance:

Never use the online website, its a trap!

"You need to carefully read your policy not once, but twice, or even three times, because there may always be situations where you are not covered. Make sure to understand the definition of a 'trip' (typically from home to home, not to a different country). Check your dates meticulously, as even a deviation by just an hour or a day can render your entire trip uncovered. Avoid ordering insurance online without due diligence, as clicking and accepting a contract inadvertently is a risk (instead, speak with a representative who can explain the terms, your plans, and the dates in detail). Ensure you thoroughly review coverage for every activity you plan to do, as some activities might not be covered or may have limitations. In the future, before embarking on any trip, consider calling your insurance company with a list of places you intend to visit, activities you plan to engage in, and the specific dates. This will allow you to obtain verbal and written confirmation of your coverage. It's likely that similar considerations apply with other insurance companies. However, when you invest in a 'silver package,' you expect to travel with peace of mind. I learned the hard way that I was not adequately covered during my last trip because of the definition of trip, inadvertently putting my financial security. Nevertheless, the insurance company was within their rights, as the policy's interpretation could indeed exclude coverage. Therefore, it's crucial to exercise caution and due diligence." Reviewed on: 26th August 2023

I have used Coverwise for many years for basic low c...

I have used Coverwise for many years for basic low cost annual travel insurance. Its cost competitive and simple to get a quote. Reviewed on: 9th September 2025

Couldn’t ask for more!

I’ve used cover wise as my annual insurance provider for 5 years. They always provide me with the best rates and respond within a timely manner. Reviewed on: 5th September 2025

Avoid Coverwise at All Costs. A Complete Nightmare!

If I could give Coverwise zero stars, I would. It has taken them FOUR MONTHS to review my claim, dragging me through endless hoops, requesting document after document, many of which I provided multiple times. And after all that? They had the audacity to decline my claim based on pure speculation! No real evidence, just their own made-up reasoning to avoid paying out. Their customer service is a joke. Slow, unhelpful, and dismissive. Every time I called, I got a different answer or was told to "wait 5 to 10 business days." I’ve never dealt with such an unprofessional and dishonest company in my life. I've been covered by many travel insurance companies before and never had such a bad experience. This entire process has been stressful, time-consuming, and frankly, a scam. Save yourself the frustration and DO NOT USE COVERWISE. They will take your money happily but won’t be there when you actually need them. Absolutely disgraceful! Reviewed on: 12th March 2025

BUYER BEWARE DO NOT USE THIS COMPANYTerrible custom...

BUYER BEWARE DO NOT USE THIS COMPANY Terrible customer service. No empthy, no support while abroad. Claim refuse no reason given and not answering emails, waiting on complaint process to finalise then reporting to OMBUDSMAN BRYER BEWARE Reviewed on: 19th December 2024

WARNING-BEWARE-AVOID!!!

This is a warning to others so that they don’t have the problems we have had with Coverwise/AXA travel insurance. Their pre-existing conditions are not clear, providing false information. We made a claim as I was very unwell with a serious condition and could not travel. However, because I had been treated for a small rash around my mouth the previous year (2023), which cleared up after 2 days of using ointment, they are treating this as a pre-existing condition for a policy I took out with them in 2004. Please be sure to inform them if you get a spot at the end of your nose, or a bout of earache, or any minor/temporary problem as they will not honour your claim. Besides this, they are rude, speak over you, send badly/misspelt correspondence and due to the dialect and call quality it makes communication impossible. The evidence they request to support the claim is never satisfactory and each request they make for further information differs, making the whole process a shambles. Mickey Mouse, unprofessional company, steer clear for your own good. They make you believe you are travelling with peace of mind but it is the complete opposite. Reviewed on: 8th November 2024

Good enough!

Clear messaging and easy to understand but long to claim and old clunky website Reviewed on: 11th September 2024

Affordable annual cover

Affordable annual cover, appears to cover the basics but nothing more. Significant excess and exclusions if I was forced to have to use it, but useful reassurance as a last resort. Reviewed on: 4th September 2024

Easy and Affordable

Auto-renews annually so no faff, emailed in advance in case you wish to cancel Reviewed on: 4th September 2024

Overall good.

Overall good. Excellent customer service. Reviewed on: 4th September 2024

Quick and easy

Relatively quick and easy claiming process, and good value for money in terms of multi trip insurance! The insurance was easy to buy. Reviewed on: 4th September 2024

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