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Coverwise is a leading travel insurance provider. So where ever your business or holiday plans take you we have a range of travel insurance policies designed for you.

We are able to offer cover for Single Trip, Annual Multi Trip, Over 65’s and Ski insurance policies, all underwritten by companies within the AXA Group, the world’s largest insurer.

Welcome to Coverwise

Wherever you're travelling we'll be here if you need us..

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To ensure your complete security, we only work with insurers who have a global presence and the expertise to provide our policyholders with the highest levels of protection and service. All of our travel insurance policies are underwritten and arranged by companies within the AXA Group, with worldwide medical and emergency services provided by AXA Assistance who have offices located around the world to ensure you can get the help you need, wherever you may be.

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Coverwise   Reviews

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Reviews 4.7.

85,121 total

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Excellent performance.My experience with the company is a…

My experience with the company is a good one Quick response to requests

Date of experience : 25 May 2024

Good.. Until your claim is rejected!!

All the positive reviews say they havent tried claiming…. Maybe that’s why all the 1 star reviews are people trying to claim and being rejected. Claim rejected due to the missed connection clause which is very ambiguous. There’s no explanation of the clause but beware it includes connections who are booked with one airline to your final point. Given the way most airlines work with hubs these days that means 50%+ of flights are not insured if you have an issue. Very sly clause to use against people. Will never use or recommend coverwise to anyone or axa for that matter who are their partners.

Date of experience : 28 May 2024

Used then before

Used then before , fast and efficient, easy to understand when dealng with on the phone never claimed but all good so far

Date of experience : 24 May 2024

Simple, straightfoward

I have used Coverwise before and they are highly rated by Martin Lewis the Money Saving Expert, so I had no hesitation using them again. Options are clearly laid out making it easy to chose the right level of cover for me.

Date of experience : 19 May 2024

Very easy to complete and very quick…

Very easy to complete and very quick response and excellent value for money

Date of experience : 29 May 2024

Nicki was extremely helpful

Nicki was extremely helpful, friendly , polite & explained everything to me clearly & the best way for me to proceed. Because of her I am on my 2nd year & will continue with Coverwise. Highly rec

Date of experience : 17 May 2024

Excellent, no fuss service

Straight forward, not kept on the phone too long. Excellent communication. Highly recommended. Thanks

Chloe was very helpful today

Chloe was very helpful today. Thank you! She an asset to your team Coverwise.

A professional insurance company

A professional insurance company with a straight forward process to acquire travel insurance to your own requirements and without any fuss and at an affordable price.

Date of experience : 27 May 2024

The worst travel insurance you could…

The worst travel insurance you could ever get. We made a claim in march and now it’s the end of may we still haven’t got our money back also wherever you are on holiday you will have to pay out of your own pocket we paid €905 which is ridiculous because this insurance company won’t cover you until they have received & reviewed everything. it’s been over 2 months and I’m hearing the same response every week. Worst travel insurance ever!!! If they don’t sort this out I will be taking legal action against them!!!👎👎👎🤬

Date of experience : 21 March 2024

Helpful,informative staff

Helpful,informative staff. Have booked insurance for last 2 holidays happy to say was given a loyalty discount. Good value insurance.

Date of experience : 22 May 2024

After a 15 minute wait my request was…

After a 15 minute wait my request was dealt with quickly and efficiently

Extremely helpful consultant

Extremely helpful consultant. Provided comprehensive information and helped us to book insurance for our granddaughter who is travelling to a family wedding with us.

The best for travel insurance!

They always renew at the same price or less, the team are lovely to talk to and very helpful, and they were great dealing when my husband had to make a claim.

Date of experience : 21 May 2024

Katlyn was very efficient and had an…

Katlyn was very efficient and had an excellent phone manner.

Personal touches

Great advice, helpful knowledgeable and friendly call handler. Upgraded the policy in no time .. really easily. So good to actually speak to someone

Website easy to navigate and cost of…

Website easy to navigate and cost of products are affordable

Great website

Great website - easy to use and key in health. All good and decent premium that you can tweak to suit your needs.

Date of experience : 26 May 2024

Very Hppy with Cover price for our ten…

Very Happy with Cover price for our ten day holiday to Turkey,will certainly be back for a Vacation later in year

Cheap travel insurance

Cheap insurance, quick and easy to get cover with plenty of options.

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Frequently Asked Questions

• I need to amend a name on the policy schedule what should I do?

If you need to amend the name of one of the travellers before you depart on your trip, you can. Please note that we would need confirmation of the name change (for example, a marriage or deed poll certificate). We can only change the name of a traveller, if their new name is reflective of their passport and we are not able to replace travellers with another person. Please contact us by phone on +44 (0)1903 255 650 or Click here to view our contact us page.

Related Questions

• How is my policy delivered to me?
• Can I cancel my travel insurance policy?
• How do I request a refund of my premium?
• Am I able to retrieve my quotation?
• Can I view my policy wording on line?
• I purchased an Annual Multi Trip policy with a start date in the future. I have been diagnosed with a medical condition and can no longer travel can I cancel my policy and get a refund?
• Will my annual policy be automatically renewed when it expires?

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How to File a Coverwise Travel Insurance Claim: A Guide

Traveling opens up a world of adventure, discovery, and unfortunately, sometimes, the unexpected. Whether it’s a lost suitcase or a medical emergency, travel insurance from providers like Coverwise is designed to offer peace of mind. But what happens when the unexpected occurs, and you need to make a claim on your travel insurance? This comprehensive guide will walk you through the process of making a Coverwise travel insurance claim, ensuring you’re well-prepared for any twists and turns your journey might take.

Introduction to Travel Insurance Claims

Travel insurance is an essential tool for any traveler, providing a safety net that covers everything from trip cancellations to medical emergencies. Coverwise, a leading travel insurance provider in the UK, offers a range of policies tailored to different needs and destinations. But understanding how to navigate the claims process is crucial to making the most of your policy. In this article, we’ll explore the steps involved in making a claim on your travel insurance with Coverwise, offering insights and advice to help you through the process.

Why Coverwise?

Coverwise stands out for its comprehensive coverage options, catering to a wide array of travel needs. From single trips to annual multi-trip policies, Coverwise offers flexibility and peace of mind. But beyond the coverage, it’s their claims process that truly sets them apart, designed to be as straightforward and supportive as possible.

For help with questions related to your issue, you can chat with one of Contend’s legal experts , and get immediate answers to your legal questions.

Identifying When to Make a Claim

The first step in the claims process is recognizing when you’re entitled to make a claim. Common scenarios include trip cancellations, medical expenses, lost or stolen luggage, and travel delays. Understanding your policy’s specific coverage is crucial, so reviewing your policy document is always a good starting point.

Making a Claim on Your Travel Insurance

Once you’ve identified a valid claim scenario, the process of making a claim on your travel insurance with Coverwise involves several key steps:

• Immediate Notification: As soon as you realize you need to make a claim, contact Coverwise’s claims department. Prompt notification is crucial, as it allows them to guide you through the process and offer immediate assistance if necessary.
• Documentation: Gather all relevant documentation. This might include medical reports, police reports (in case of theft), receipts for emergency purchases, or proof of travel delays. The more evidence you can provide, the smoother the claims process will be.
• Claim Form: Complete the Coverwise claim form in detail. Accuracy and thoroughness are key here, as missing or incorrect information can delay the process.
• Submission: Submit your claim form along with all supporting documentation. Coverwise offers various submission methods, including online, email, or post, for your convenience.
• Follow-up: After submitting your claim, stay in touch with the claims department to monitor the progress of your claim.

When traveling abroad, it’s essential to be aware of your healthcare options. You can find valuable information about accessing medical treatment in other countries on the NHS website .

Tips for a Smooth Claims Process

• Read Your Policy: Understanding your coverage is the foundation of a successful claim. Know what is and isn’t covered to set realistic expectations.
• Keep Records: From the moment your trip begins, keep receipts and documentation for all expenses. In the event of a claim, this will be invaluable.
• Act Promptly: Whether it’s reporting a theft to the police or notifying Coverwise of a medical emergency, prompt action is essential.
• Be Honest: Provide accurate and honest information throughout the claims process. Dishonesty can lead to a denied claim and potential legal consequences.

Contend: Your Partner in Understanding Legal Aspects of Travel Insurance Claims

Navigating the legalities of travel insurance claims can be daunting, but you don’t have to do it alone. Contend, an AI legal tech startup, is revolutionizing the way everyday people in the UK handle their legal problems. Our AI legal experts can guide you through the complexities of your travel insurance policy, helping you understand your rights and obligations when making a claim.

How Contend Can Help

• Policy Review: Our AI legal assistant can help you understand the specifics of your Coverwise policy, ensuring you’re aware of what’s covered.
• Claim Assistance: We can guide you through the claims process, offering advice on gathering the necessary documentation and filling out claim forms accurately.
• Legal Queries: If you have any legal questions related to your travel insurance claim, Contend’s AI legal experts are here to provide clear, understandable answers.

Conclusion: Prepared for the Journey Ahead

Making a claim on your travel insurance doesn’t have to be a stressful ordeal. With the right preparation and understanding, you can navigate the process with confidence. Remember, the goal of travel insurance like Coverwise is to ensure that no matter what happens, you’re covered. And with Contend’s AI-driven legal guidance at your fingertips, you have an additional layer of support, ensuring you’re never alone in dealing with the unexpected twists and turns of travel.

Take Action with Contend

If you’re facing a travel insurance claim or have legal questions about your policy, don’t hesitate to chat now with Contend’s legal expert. Our revolutionary AI technology is designed to provide you with the legal guidance and support you need, all in 5 minutes or less. With Contend, you have a trusted partner to help you understand more and take action confidently.

If you don’t have an EHIC or it has expired, you can apply for a UK Global Health Insurance Card (GHIC) on the NHS website .

You can click here to chat with one of Contend’s legal experts today.

For more info, check out some of our related articles:

• Guide to Making a Claim on Your Travel Insurance
• Filing Your CSA Claim Form: Tips for Travel Insurance Issues
• Get Covered: Travel Insurance Tips & Claim Guide in the UK
• Your Guide to Curtailment Travel Insurance Claims in the UK
• Expert Guide to Successful Insurance2go Claims in the UK

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Travel Insurance Inc. Cruise Cover: What You Need to Know

• 26 February 2024

Planning on taking a cruise?

Here are some things you need to know about travel insurance inc. cruise cover to make sure you are covered no matter what you are doing, or where you are going.

Links You Might Find Helpful: Find Out More at Coverwise and Get a Quote Super Quick Annual vs Single Trip Travel Insurance – What You Need to Know Annual Travel Insurance – All You Need to Know

Travel Insurance inc. Cruise Cover

Table of Contents

Does Holiday Annual Insurance Cover Cruise Ships?

Generally, most holiday annual insurance policies will cover cruise ships. You need to make sure that all the destinations visited, including excursions, are covered under the policy.

Selecting Your Policy

If you haven’t bought your holiday annual insurance policy yet you need to ensure that all the countries and regions you are planning to visit are covered.

If you know the cruise itinerary already you can check this or even the cruising region of the world – USA, Caribbean, Mediterranean, Europe etc.

Amending Your Holiday Annual Insurance Policy

If you have already purchased your policy then you need to check that all the destinations you are visiting are covered by your insurance.

Most insurance companies will have details of all the individual countries that are covered.

You must ensure that the countries you are visiting on the cruise as part of a tour are covered as well, no matter how short the visit might be.

If you find that any of the countries you plan to visit are not covered you may be able to add these to your policy. Just get in touch with your insurer who will be able to advise you.

Length of Cruise

All holiday annual insurance policies will have some sort of limitation on the number of days allowed under the policy for each trip.

This might be 31 days, or it might be 24 days – it depends on the provider.

You need to check that the length of your cruise does not go beyond the time limit for your annual travel insurance policy.

Cruise Ship Activities and Excursions

I have already mentioned that you need to cover where your cruise ship is visiting. However, you also need to check that your travel insurance policy will cover all the activities you are going to take part in. This could be bungee jumping, white water rafting, safaris, or scuba diving – the list is long.

Your travel insurance provider will have a list of activities that are covered. They might already be in your policy documents.

Make sure anything you plan to do or might like to do is covered in your annual travel insurance policy.

Coverwise, my recommended annual travel insurance provider, has this helpful list of activities that will help give you some ideas (you will need to check your own policy for specific details though)

Sports and activities covered as standard Abseiling (when adequately supervised)*

• Bamboo Rafting (up to grade 2 rivers only with adequate safety equipment provided)
• Banana Boating
• Baseball Basket
• Ball Beach Games
• Blowcarting*
• Bouldering (using crash pads where appropriate)
• Bungee Jumping (when adequately supervised)
• Camel Riding*
• Canoeing (up to grade 2 rivers only)
• Clay Pigeon Shoot*
• Climbing (on a climbing wall only)
• Deep Sea Fishing
• Dinghy Sailing*
• Dragon Boat racing (non-professional)*
• Elephant riding/trekking (on a professionally organised trek with experienced handlers)
• Fell Running
• Fell Walking Fishing
• Football/Soccer
• Flying in an aircraft (as a fare-paying passenger)
• Glass Bottom Boats/Bubbles Gliding (as a passenger only)
• Go Karting (when adequately supervised)*
• Gorilla Trekking (organised)
• Hiking/Trekking/High level walking up to 3000 metres above sea level
• Hitchhiking (organised groups of adults with support, emergency contacts and at least one male per group) in countries where this is legal
• Horse Riding/Trekking/Hacking (non-competitive)
• Hot Air Ballooning (organised pleasure rides)
• Hydrospeeding (taking appropriate safety measures)
• Hydro Zorbing Ice Skating
• Indoor Climbing (on a climbing wall)
• Indoor Skating (pads and helmets must be worn)
• Javelin Throwing
• Jet Boating (no cover for racing)*
• Jet Skiing (no cover for racing)*
• Kayaking (up to grade 2 rivers)
• Kite Buggying*
• Kite Surfing (over land)*
• Kite Surfing (over water)*
• Marathon Running
• Motor Cycling (with UK licence)*
• Mountain Biking (except downhill and extreme terrain)*
• Mountain Boarding (protective clothing to be worn)
• Orienteering
• Paint Balling/War Games (eye protection must be worn)*
• Parasailing/Parascending (over water)
• Passenger Sledge
• Pony Trekking
• Power Boating (non-competitive and no cover for damage to the vessel)*
• Racing on foot
• Racquetball
• Rap Running/Jumping (within organisations guidelines)*
• Rifle Range*
• River Tubing
• Roller Skating/Blading (pads and helmets must be worn)*
• Rowing (except racing)
• Safari In Vehicle (must be with a guide)
• Safari On Foot (must be with a guide)
• Safari On Horseback (must be with a guide)
• Sail Boarding/Windsurfing*
• Sand Yachting*
• Scuba Diving – scuba diving (other than cave diving) to the following depths, when you hold the following qualifications and are diving under the direction of an accredited dive marshal, instructor or guide and within the guidelines of the relevant diving or training agency or organisation: PADI Open Water – 18 metres BSAC Ocean Diver – 20 metres PADI Advanced Open Water – 30 metres BSAC Sports Diver – 35 metres. If you do not hold a qualification, we will only cover you to dive to a depth of 18 metres provided you are with a qualified instructor
• Sea Canoeing/Kayaking (within sight of land)
• Shooting (within organisations guidelines)*
• Skate Boarding (pads and helmet must be worn)*
• Sledge Pulled By Horse/Reindeer
• Small Bore Target Shooting*
• Snorkelling
• Sydney Harbour Bridge (organised and walking across clipped onto a safety line)
• Table Tennis
• Tenpin Bowling
• Tree Top Canopy Walking (with adequate safety measures in place)
• Trekking/Walking/Hiking/High level walking up to 3,000 metres above sea level
• Via Ferrate
• Volley Ball
• Wakeboarding*
• War Games (eye protection must be worn)*
• Water Skiing*
• White Water Rafting (within organisations guidelines)
• Wicker Basket Tobogganing
• Windsurfing*
• Zip Trekking (safety harness fixed to ropes must be worn)
• Zorbing (non-winter sports)

These are all the regular activities covered under a normal annual travel insurance policy without winter sports coverage.

Personal accident and personal liability cover does not apply to those activities with an asterisk.

Travel Insurance Inc. Cruise Cover – Conclusion

• Like all things insurance-related it really does pay to check the policy details and the small print.
• Make sure the cruise destinations are covered (no matter how short the stop), the activities you are going to be taking part in and the length of the cruise is within the policy limits

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7 Travel Insurance Essentials to make sure you are fully covered when you travel

Find more articles on my Annual Travel Insurance page

Further Reading