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Although we have now officially left the European Union and agreed on a new UK Global Health Insurance card for travel to Europe, this is definitely not a replacement for travel insurance. It has never been more important, to choose the right policy because, as the current Coronavirus Pandemic has highlighted, the wrong choice can have disastrous financial and health consequences, if you have to claim whilst abroad.
Once you have read this review of Coverwise and compared polices using our unique search facility, you will have all the information you need to make an informed choice.
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.
Click on the website link to go directly to the insurance providers website. Visit Coverwise's Website and Get a Quotation direct
Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by Coverwise.
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.
That's Insurance have spent some time mystery shopping on coverwise-travel-insurance-review's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.
Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.
Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.
Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.
The scores have been calculated as an overall percentage and shown on the three gauges. You can see how Coverwise compares to the industry average. The higher the percentage the better the company performs in each area.
(layout, readability, terminology)
Awaiting user friendly score
(layout, navigation, access to information)
Awaiting user friendly score
(clear quotes, buying process, customer service)
Awaiting user friendly score
We've highlighted Pro's and Cons for Coverwise, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by Coverwise.
We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.
Listed below are some Sample Quotes offered by Coverwise
Top Picks
Insurance Provider
Excess
Primary Cover
Guide Price
Single Trip
Worldwide (Excluding USA & Canada)
Individual
Age: 50 - 59
Trip Days: 14
50
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 (Excluding USA & Canada)
Family
Age: 50 - 59
Trip Days: 21
50
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
Worldwide
Individual
Age: 40 - 49
Trip Days: 365
100
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: 30 - 39
Trip Days: 365
50
Medical Expenses 15,000,000
Cancellation 3,000
Missed Departure 1,000
Delayed Departure 300
Baggage 2,000
Personal Accident 20,000
Personal Liability 2,000,000
Legal Expenses 25,000