Coverwise Travel Insurance Review

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

At the start of the policy:-

Single Trip aged 75 or under

Annual Trip aged 65 or under

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.

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.

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.

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.

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.

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

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

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.

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.”

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.

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.

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).”

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.

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