Coverwise Travel Insurance Review

Coverwise Travel Insurance Review

Coverwise Travel Insurance Review

Reviewed by:

I am sure you'll agree with us when we say, it's impossible to find any meaningful or independent reviews of Coverwise plus compare prices and cover on the same site.

And you'd be right! Because that's exactly what we found.

Once you have read this review and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are Coverwise and who underwrites their policies?

Coverwise Ltd is an International General Insurance Intermediary. They have an address in the UK, but their head office is located in Gibraltar at Coverwise Ltd 945 Europort, Gibraltar. They are licensed and regulated by the Financial Services Commission and this authorisation allows them to distribute general insurance products throughout the E.U. You can check the entry on the FSC website. All the coverwise policies are underwritten by Inter Partner Assistance SA, a wholly owned subsidiary of Axa Assistance, part of the Axa Insurance Group, one of the largest Insurers in the UK and Worldwide.

Coverwise policies start from as low as £6.06 covering the whole family. Whilst the policy document at 59 pages is indepth, it is important that you read it carefully before making any decision.

We have assisted you in the process by providing an independent review and highlighting important areas of the policy, we feel should be brought to your attention.

Combine this with our star rating and price comparison to give you a head start when choosing a travel policy thats right for you.

Coverwise Travel Insurance Policies are Underwritten By Inter Partner Assistance

How Coverwise Travel Insurance's Policies have been ranked using our star rating formula?

Click on the blue bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Coverwise.

Single Trip Policy Ratings Click to Expand

We have reviewed 5 Single Trip Policies from Coverwise Travel Insurance, they are Gold, Silver, Bronze, Standard, Platinum, we have rated these as follows:-

Rating for Single Trip Gold:

Rating for Single Trip Silver:

Rating for Single Trip Bronze:

Rating for Single Trip Standard:

Rating for Single Trip Platinum:

Single Trip Travel Insurance Guide here
Coverwise Travel Insurance Review

Backpacker Policy Ratings Click to Expand

found no policies available for this section.

Backpacker Travel Insurance Guide here
Coverwise Travel Insurance Review

Annual Policy Ratings Click to Expand

We have reviewed 5 Annual Policies from Coverwise Travel Insurance, they are Standard, Bronze, Silver, Gold, Platinum, we have rated these as follows:-

Rating for Annual Standard:

Rating for Annual Bronze:

Rating for Annual Silver:

Rating for Annual Gold:

Rating for Annual Platinum:

Annual Travel Insurance Guide here
Coverwise Travel Insurance Review

Longstay Policy Ratings Click to Expand

found no policies available for this section.

Coverwise Travel Insurance Review
  • Five star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Cancellation cover is above the level of the market average
  • Other Core Sections of cover are either at or above the levels of the market average.
  • Secondary sections of cover are either at or above the levels of the market average.
  • Five star policies provide additional cover benefits over and above standard policies.
  • Five star policies include scheduled airline and/or end supplier failure as standard.
  • Five star policies include natural catastrophe cover, either as standard, or as an option.
  • Premiums are the most competitive in relation to the cover provided.
  • Have clear and consumer friendly, policy wording and explanations of cover.
  • The alcohol exclusion is more customer friendly than the market average.
  • The standard excess is below the level of the market average.

  • Four star policies cover all Primary (core) sections and all Secondary sections under a travel policy.
  • Four star policies have cancellation cover at or above the market average.
  • Four star policies may have a maximum of one core and one secondary section, or two secondary sections of cover lower than the market average or the excess may be above the market average.
  • Four star policies may provide additional cover benefits.
  • Four star policies may not automatically include cover for scheduled airline or end supplier failure.
  • Premiums are competitive in relation to the cover provided.
  • Have clear and consumer friendly policy wording and explanations of cover.

  • Three star policies cover all Primary (core) Sections, but may not offer baggage and money cover as standard.
  • Three star policies have some core covers lower than the market average, or up to one secondary sections of cover missing.
  • Three star policies may have some secondary covers lower than the market average.
  • Three star policies may not provide scheduled airline/end supplier failure cover, or only offer it as an option.
  • The Insurer, may not provide quotations across the full range of scenarios tested.
  • The standard excess may be higher than the market average.

  • Two star policies generally provide cover that is below the market average and/or have Primary (core) and Secondary sections of cover missing from their policies.
  • Two star policies may not offer baggage/money cover.
  • Premiums tend to be much lower than the market average due to the low levels of cover provided.
  • The Standard Excess is higher than the market average.
  • The Insurer may not provide quotation across the full range of scenarios tested
  • Policy wordings may not be as consumer friendly as other Insurers

16 Key Points you need to know about Coverwise's travel policy wording

1

What is the age/classification of a child on the policy?

Children are classed as dependents who are aged under 18 (or aged under 23 if in full time further education)

2

What are the policy age limits?

At the start of the policy:-

Single Trip aged 75 or under

Annual Trip aged 65 or under

3

What are the policy Trip Duration limits?

Single Trip, Trip Duration is up to 31 days for Standard and Bronze Policies, Silver is up to 60 days, Gold  and Platinum is up to 90 Days.

Annual Multi Trip, Trip Duration is up to 24 days per trip on Standard and Bronze Policies, on Silver, Gold and Platinum, this increases to 31 days per trip. You should not exceed these limits as it will invalidate insurance for the initial 24 or 31 days.

4

What does the policy offer for Winter Sports cover?

Winter Sports can be added to the policy for the entire duration on your Single Trip, or 17 days duration in one policy year on your Annual Multi Trip.

The policy provides a list of over 40 winter sports that you can participate in as standard.

Important Note: In the United States and Canada, winter sports outside the defined boundaries of a resort unless accompanied by a locally qualified guide is excluded.

5

What is classed as a family and how many people can be quoted for?

A policy can be taken out by a single person, couples, families and Groups of up to 9 Travellers

Family means up to two adults and up to 7 of their children, step children or foster children aged under 18 (or aged under 23 if in full time further education), accompanying the parents or legal guardian insured on the same policy travelling on any trip to the same destination. For annual multi trip cover, either adult named on the policy is able to travel independently as are the children if parental permission has been granted.

There is no additional discount for groups of more than one individual travelling under the same policy.

6

What are the policy rules on reciprocal health agreements (EHIC, Medicare)?

EHIC strongly advised but not Mandatory if travelling within the EU.  If you need medical treatment in Australia you must enrol with a local MEDICARE office. You do not need to enrol when you arrive, but you must do this after the first occasion you receive treatment.

7

What is covered under Sports and Activities on the policy?

There are approximately 100 activities covered as standard, some are * starred where there is no cover under Personal Accident and Personal Liability.  Additional Activities are covered with the Winter Sports additional premium.

It is important that you check the list of activities before purchasing your travel insurance to ensure you are covered.  If you are unsure, it’s a good tip to gain approval in writing from your insurance provider.

8

What are the policy Alcohol Exclusion terms?

Policy states you are not covered for “You drinking too much alcohol resulting in a claim.”

9

Does the policy cover Scheduled Airline Failure or Financial Failure?

There is no cover for Scheduled Airline or End Supplier Failure, except the Platinum policy which covers Airline Financial Failure.

10

Does the policy cover Pre-Existing Medical Conditions and can I get a quote online?

This policy does not cover for Pre-Existing Medical Conditions as the policy is designed to cover for unforeseen accidents and illnesses occurring during the period of insurance.

However any condition you wish to cover can be included during the quotation process and underwritten via online medical screening at the point of sale. This is only available for Silver and Gold policies. The Platinum policy only becomes available when you have a medical condition to declare.

You must ensure that you have all the appropriate vaccinations that are required for the country/countries that you intend to visit.

11

What are the policy rules on travelling when pregnant?

Policy States “you are not covered for any claim arising from pregnancy related conditions not due to complications of pregnancy which first arise after departing on your trip. Normal pregnancy or childbirth, or travelling when your medical practitioner has recorded your pregnancy as high risk or being at a heightened risk of premature birth, would not constitute an unforeseen event.”

12

Will I be covered if I want to do Manual Work or Bar Work or other work while I am on holiday?

Manual Work is excluded under this policy. There is no definition of manual work in the policy. If your plan is to carry out specific work, it is always best to contact the insurance provider and obtain written acceptance that your planned type of work is allowed under the policy.

13

Do I need original receipts for lost baggage if I need to claim on the policy?

An original receipt, proof of ownership or valuations for items lost, stolen or damaged and for all items of clothing, medication and toiletries replaced if your baggage is temporarily lost in transit for more than 12 hours.

It would be sensible to keep receipts of any new clothes/property purchased for your holiday. If in doubt as to whether you have cover for a specific item, please contact the Insurance Provider for clarification prior to taking out insurance.

14

What does the policy cover in the event of war, terrorism or cyber attack?

You are not covered for claims relating to “War risks, civil commotion and terrorism cover for these events is provided under Section B  Emergency medical and other expenses and Section C  Hospital benefit (unless caused by nuclear, chemical or biological attack).”

15

Does the policy cover for a natural disaster or catastrophe when I am on holiday?

A small amount of catastrophe cover provided under the Gold and Platinum policy, but there is the option to include extended Travel Distruption Cover under any of the policies, which covers delay, cancellation, abandonment, missed departure, alternative accommodation as a result of natural disaster or catastrophe.

16

Do I have to be a UK resident to be covered under this policy?

This policy is only available to You if You are permanently resident in the United Kingdom.

Coverwise's 'User Friendly' Rating

That's Insurance have reviewed Coverwise's Policy Wording, Website and Quote System and given each a 'User Friendly' rating. This will tell you how easy it is for you, to read, navigate and purchase policies on their website. We've split this into three gauges which show where Coverwise rates compared to the average Insurance Provider on our site. The higher the percentage, the easier you should find it to navigate each of these areas.

Policy

(plain english, easy to follow & understand)

Policy Guage Score Loading

Website

(user friendly, easy to navigate and find help)

Website Guage Score Loading

Quote System

(speed, ease of use, flow and display of cover)

Quotes Guage Score Loading

Pro's and Con's for Coverwise Travel Policies

We've highlighted Pro's anc Cons for Coverwise, click on the blue bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Coverwise.

  • Online screening process for pre-existing medical conditions
  • The Platinum policy has been awarded our four star rating
  • Access to the Platinum policy is only available if you have a medical condition to declare

What Cover do Coverwise policies offer.

We've listed below cover levels for policies offered by offered by Coverwise To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Gold

    Single Trip

    Silver

    Single Trip

    Bronze

    Single Trip

    Standard

    Single Trip

    Platinum

    Single Trip

    Standard

    Annual

    Bronze

    Annual

    Silver

    Annual

    Gold

    Annual

    Platinum

    Annual

Primary Cover toggle

  • Policy Excess
    Policy Excess

    50

    50

    100

    150

    50

    150

    100

    50

    50

    50

  • Medical Expenses
    Medical Expenses Explanation
    Cover Type Icon

    15,000,000

    15,000,000

    10,000,000

    10,000,000

    20,000,000

    10,000,000

    10,000,000

    15,000,000

    15,000,000

    20,000,000

  • Cancellation
    Cancellation Explanation
    Cover Type Icon

    3,000

    2,000

    1,500

    1,000

    6,000

    1,000

    1,500

    2,000

    3,000

    6,000

  • Personal Accident
    Personal Accident Explanation
    Cover Type Icon

    20,000

    10,000

    10,000

    10,000

    80,000

    10,000

    10,000

    10,000

    20,000

    80,000

  • Baggage
    Baggage Explanation
    Cover Type Icon

    2,000

    1,500

    1,500

    1,000

    3,500

    1,000

    1,500

    1,500

    2,000

    3,500

  • Single Article Limit
    Single Article Limit Explanation
    Cover Type Icon

    200

    200

    200

    200

    300

    200

    200

    200

    200

    300

  • Valuables Limit
    Valuables Limit Explanation
    Cover Type Icon

    300

    200

    200

    200

    500

    200

    200

    200

    300

    500

  • Personal Money
    Personal Money Explanation
    Cover Type Icon

    300

    200

    200

    300

    350

    300

    200

    200

    300

    350

  • Personal Liability
    Personal Liability Explanation
    Cover Type Icon

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

    2,000,000

  • Legal Expenses
    Legal Expenses Explanation
    Cover Type Icon

    25,000

    50,000

    0

    0

    50,000

    0

    0

    50,000

    25,000

    50,000

  • Scheduled Airline Failure
    Scheduled Airline Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    1,500

    0

    0

    0

    0

    1,500

Secondary Cover toggle

  • Hospital Benefit
    Hospital Benefit Explanation
    Cover Type Icon

    2,000

    0

    0

    0

    2,000

    0

    0

    0

    2,000

    2,000

  • Emergency Dental Treatment
    Emergency Dental Treatment Explanation
    Cover Type Icon

    200

    1,000

    1,000

    200

    500

    200

    1,000

    1,000

    200

    500

  • Burial or Cremation
    Burial or Cremation Explanation
    Cover Type Icon

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

    1,500

  • Baggage Delay
    Baggage Delay Explanation
    Cover Type Icon

    300

    0

    0

    0

    400

    0

    0

    0

    300

    400

  • Delayed Departure
    Delayed Departure Explanation
    Cover Type Icon

    300

    100

    0

    0

    350

    0

    0

    100

    300

    350

  • Missed Departure
    Missed Departure Explanation
    Cover Type Icon

    1,000

    500

    0

    0

    1,000

    0

    0

    500

    1,000

    1,000

  • Kennel/Cattery
    Kennel/Cattery Explanation
    Cover Type Icon

    200

    0

    0

    0

    250

    0

    0

    0

    200

    250

  • Hijack/Kidnap
    Hijack/Kidnap Explanation
    Cover Type Icon

    500

    0

    0

    0

    1,000

    0

    0

    0

    500

    1,000

  • Financial Failure
    Financial Failure Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    1,000

    0

    0

    0

    1,000

    0

    0

    0

    1,000

    1,000

  • Withdrawal of Services
    Withdrawal of Services Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    0

    0

    0

    0

    0

    0

    0

    0

    0

    0

  • Mugging
    Mugging Explanation
    Cover Type Icon

    0

    0

    0

    0

    1,000

    0

    0

    0

    0

    1,000

Optional Cover toggle

  • Natural Disaster
    Natural Disaster Explanation
    Cover Type Icon

    Y

    N

    N

    N

    Y

    N

    N

    N

    Y

    Y

  • Concierge Cover
    Concierge Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Gadget Cover
    Gadget Cover Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Travel Disruption
    Travel Disruption Explanation
    Cover Type Icon

    Y

    Y

    N

    N

    Y

    N

    N

    Y

    Y

    Y

  • Golf
    Golf Explanation
    Cover Type Icon

    Y

    N

    N

    N

    Y

    N

    N

    N

    Y

    Y

  • Wintersports
    Wintersports Explanation
    Cover Type Icon

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

    Y

  • Business
    Business Explanation
    Cover Type Icon

    Y

    N

    N

    N

    Y

    N

    N

    N

    Y

    Y

  • Wedding
    Wedding Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Cruise
    Cruise Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Car and Home Excess
    Car and Home Excess Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Search and Rescue
    Search and Rescue Explanation
    Cover Type Icon

    N

    N

    N

    N

    N

    N

    N

    N

    N

    N

  • Mugging
    Mugging Explanation
    Cover Type Icon

    N

    N

    N

    N

    Y

    N

    N

    N

    N

    Y

Sample Quotes from Coverwise.

Listed below are some Sample Quotes offered by Coverwise (or click 'Compare Now' button to compare their quotes with every insurance provider).

Top Picks

Insurance Provider

Excess

Primary Cover

Guide Price

Single Trip

Worldwide

Individual

Age: 30 - 39

Trip Days: 7

Coverwise Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 50,000

Single Trip

Worldwide

Individual

Age: 71 - 75

Trip Days: 21

Coverwise Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 0

Delayed Departure 0

Baggage 1,500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 0

Single Trip

Worldwide

Individual

Age: 65 - 70

Trip Days: 21

Coverwise Travel Insurance Review
That's Insurance Rating

Customer Rating

Silver

50

Click Heart to Favourite

Compare Now

Medical Expenses 15,000,000

Cancellation 2,000

Missed Departure 500

Delayed Departure 100

Baggage 1,500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 50,000

Annual

Europe

Couple

Age: 50 - 59

Trip Days: 365

Coverwise Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 0

Delayed Departure 0

Baggage 1,500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 0

Annual

Europe

Individual

Age: 60 - 64

Trip Days: 365

Coverwise Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 0

Delayed Departure 0

Baggage 1,500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 0

Annual

Worldwide (Excluding USA & Canada)

Individual

Age: 50 - 59

Trip Days: 365

Coverwise Travel Insurance Review
That's Insurance Rating

Customer Rating

Bronze

100

Click Heart to Favourite

Compare Now

Medical Expenses 10,000,000

Cancellation 1,500

Missed Departure 0

Delayed Departure 0

Baggage 1,500

Personal Accident 10,000

Personal Liability 2,000,000

Legal Expenses 0

How to Buy Travel Insurance from Coverwise

Click on the website link to go directly to the insurance providers website, alternately click the button to compare all policies now from all providers.

Current Discount Codes for Coverwise - No Current Discount Codes

Visit Coverwise's Website and Get a Quotation direct

Customer Reviews of Coverwise

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We hope that you have found this Coverwise Travel Insurance Review helpful. If you have experience of Coverwise, please do leave a Customer Review, these ratings are searchable and will help others make an informed choice.

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