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Coverwise: Annual Travel Insurance reviews

Name: Annual Travel Insurance
Rating: 1.91 (64 reviews)

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1.94

Based on 64 reviews, last reviewed 12th Mar 2025

No new 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

14%

71%

Latest highest rating:

4

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

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 (64)

Review of the Coverwise, Annual Travel Insurance:

Ripped Off By Lying Claim Line Staff

It all looks good until you make a claim. I called Coverwise Claim Line twice and was told blatant lies and deliberately mislead by two different members of staff. This resulted in my insurance claim being rejected and I lost £400. Coverwise work with AXA who are also awful. Please avoid to save yourself being ripped off too. Reviewed on: 21st June 2016

Avoid no response when making a claim

Unfortunately in my experience with a travel insurance claim it has been 3 months and I’ve had no update on my claim or when it will be assessed. I am having to now raise this with the financial ombudsman as AXA, who act on behalf of coverwise for claims, keep delaying assessing the claim. I’ve been told dates of when it will be reviewed by that just keep passing. Even after raising a complaint my claim is still being ignored. I would not recommend this company as this has been such a painful process in raising a travel insurance claim when it should be straightforward as all documentation and evidence has been supplied. Reviewed on: 20th August 2024

Do not pay out on lost luggage!

After the airline losing my luggage, Coverwise informed me they do not pay out on luggage that has been checked in!! Total joke as this is when it is at risk. Reviewed on: 6th August 2024

Do not choose!

Luckily it didnt come to having to claim - yet. But i had a question about something and noone cared to reply to my emailsl, and it wasnt cheap! i also bought an annual worldwide policy hoping to receive good customer service, but they dont respond, they are impossible to reach, makes you think you have been scammed. Reviewed on: 16th December 2023

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

Cheap and cheerful

I have used Coverwise for two years in a row for travel insurance. It is easy to understand what is included in the policy, and I was able to change policies this year when an unexpected trip came up, without much fuss. Reviewed on: 17th August 2023

Affordable cover

I have used them for many years. Good and simple. Reviewed on: 12th August 2023

Easy and great value

Easy to complete and great value cover. Used by all the family and repeat purchases. Reviewed on: 8th August 2023

Easy process reasonable price

Very easy process for taking out insurance, reasonably priced for what it was but make sure to check the fine print as cancellations due to strikes wasn’t included if the strikes had already been announced. Many insurers have this term but not all, so I ended up taking out a second insurance policy with another company for my first trip to cover planned strikes Reviewed on: 8th August 2023

Just don't do it

Still waiting to get my refund, the fracture has healed but the anxity coverwise has caused hasn't. Just don't use them. Reviewed on: 27th July 2023

Cover wise and AXA - travel insurance scamming companies

Terrible companies bought travel insurance with coverwise who use AXA as their provider. Missed flights due to contracting a norovirus just before return flights to uk from S.A and had to rebook also was travelling with a baby. Contacted the insurance claim line to ask what was required and to start a claim, provided everything they asked for doctors reports, flight cancellations confirmation, flight rebooking details. On return to uk they then asked for access to SA clinical records and access to my UK GP’’s records which I signed and agreed,. They then came back weeks later saying I needed a GPs letter saying I was fit to travel when I left and returned ? Provided that at my cost £50 and heard nothing for weeks, contacted them and they said it was delayed, then they said two weeks later they didn’t know why it was delayed that I should file a complaint if I don’t hear in 10 days, didn’t hear from them contacted them and they David it was with the medical team and I should have an outcome decision shortly, nothing heard for two week contacted again and now they say they want the last 5yrs of my GPs records again ( for contracting a norovirus) at a further cost of £50 not initially asked for with no reason as to why it’s required. These are terrible companies who should be closed down by the insurance ombudsman they are scammers who try to put off anyone making a claim and delay them to the point of giving up. Reviewed on: 25th July 2023

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