Coverforyou43 reviews
This score is based on 43 genuine reviews submitted via BritainReviews since 2018.
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I remember sitting in a hotel lobby in Geneva, waiting for a stamp, wondering how we'd manage. We started using the policy last winter when my daughter lost her passport while skiing. First impression was that the cover sounded sensible and straightforward. Reality was different. I submitted receipts for four extra nights, changed flights and train fares to Bern. They only paid for the Emergency Travel Document. That left us more than £1,000 out of pocket. I chased them by email and phone. Answers were curt and they just repeated the same line — only the ETD covered. They never explained why travel and hotel weren't covered, which felt odd. It covers the document, yes, but not the rest. Won't be renewing.
Quick, painless claims — surprisingly human
They sorted the whole claims mess faster than I expected, so yes, I’d recommend them. On the first day in Crete my daughter slipped on a water slide and split her chin open. Hospital, stitches, a fortnight abroad while she healed and then the stitches were taken out there too — not the holiday plan. I rang from the hotel as soon as I could and the chap on the phone knew exactly what to ask. He was clear, calm and actually helpful, got all the hospital details and gave me an email to avoid any mix-ups. It all felt low fuss. By the next day the claim was basically done and all I had to cover was the policy excess. If you’re unlucky enough to need it, keep your receipts and ring straight away — saves hassle. Slightly relieved and a bit grateful, really.
Not great, but sorted
Needed a claim after a small crash, fuming when they denied it before seeing paperwork, but one rep chased it and I got a partial payout — relieved grateful
Nearly didn't order
Sat on the sofa, I was a bit iffy before I bought them — worried they'd look cheap. Tried them today and they fit like a glove, surprised, colours nice, really chuffed, feels like a good buy
Good cover, rotten claims
three weeks’ wait, excuses and hoops. Still mixed feelings.
Not great on claims
I bought this with a fair bit of doubt before our family cruise — price looked alright but the small print wasn't clear. At first it felt okay, we were hopeful. Then we missed a port and were offered just £25 (we’d thought it was an excess). Customer service was blunt. Other insurers pay £150–£200. Not coming back.
Left on hold and puzzled
Bought this after a mate suggested it and an online ad — sounded handy for claims, so I tried it when something went wrong. The interface itself feels okay, tidy enough, and the app is quick to open, but getting real help was a different story. Called twice, got brushed off, cut off once (odd). It works for straightforward stuff, but if you need a person, be prepared to hang on — bit disappointing.
Surprisingly straightforward claim
Was in Spain when I tripped on a curb and thought "oh great", but the claim was surprisingly painless. They sorted the medical bills quickly, no faff, which is why I’ve just renewed for a third year. First heard about them from a mate who won one of those monthly competitions — the points/tier thing is a fun, too. I tell folks about it now; decent price, good service, simple process, can't complain
Loyalty that's not
it's mostly a marketing trick. I used this cover for my phone and renewed every year because it's easy, but the renewal figures crept up and the 20% is applied to a price that seems padded, so sometimes buying a new policy was cheaper. When I queried them they just said prices change daily, no apology. Now I disable auto-renew and shop around annually, less hassle.
Mid-pack panic over a policy
Halfway through packing for my grandfather's funeral in Barbados, I tested positive for COVID — kids too — so the trip was off. The oddest bit was being told we're 'not a customer' when we tried to claim, which felt like a scam, really. To their credit, they did ring back and confirm the policy exists, so that's promising. Still waiting to see it actually sorted. I've had worse from insurers, but this was messy.
Slow, muddled claims line
Right, so this isn't glorious — I had a couple of bags nabbed on a trip and lodged the claim mid‑January. Got an automated reply saying someone would be in touch within ten working days. I chased end of the month and they sent a form asking me to upload everything I'd already sent — really? Phoned in mid‑February and was promised contact by the 28th, nothing. I use their service whenever I travel, but this runaround left me fed up. It works eventually, but it's clunky and stressful.
Settled but cautious
they won't sell travel cover if you're in the middle of medical tests, even if it's minor. I get the caution, but more useful would be an option to exclude that condition rather than a flat refusal. A bit more flexibility for long-term clients would be welcome; I'm relieved it works.
Long wait, small consolation
By June I was already halfway out of patience — I’d lodged a claim after a ski crash in February and spent ages on the emergency line with a sore shoulder before I even filed the CAS form. AXA did eventually pay a bit of compensation in June and asked for extra paperwork, which I appreciate, but since then it’s been radio silence. I kept emailing for updates and raised a formal complaint in April; still nothing definitive by late August. I’ve had quicker responses from other insurers in the past, so this drag feels unnecessary. That said, I’m glad they did cough up something in the end, and that part made me slightly less frustrated. Overall it worked out somewhat, but the long delays and poor communication left me disappointed — not awful, but not what you’d expect from a five-star-rated provider.
Wet bench at gate
no one checked the policy earlier, and the contract wording is vague, so you only know what’s covered when you try to claim. The mildly good bit is they did pay £100 eventually, so not nothing — which is better than nothing, I suppose (but nowhere near the near‑£500 we tried to reclaim). My tip: if you care, check the small print and take screenshots before you travel. Also keep copies of every document they ask for — you will need them again, trust me. Overall skeptical but slightly relieved.
Bit of a claims saga
daughter breaks her arm in Disney, 21st December, and we’re told to get back and see a surgeon within five days. We fly home on Christmas Day (great timing), I file everything, then even send the extra docs they asked for on 14th Jan. Before buying I had proper doubts — worried about small print and how they'd handle something real — but honestly thought it’d be fine. Turns out the claim has been a right faff: calls, different stories, “it’s escalated” one minute and now I’m told to wait until the 26th. So yes, my doubts have come back, which is annoying. I’m not raging, just tired of being fobbed off and wanting to know if they’ll actually pay up so I don’t have to chase other ways to reclaim costs. Still a bit hopeful they’ll sort it, but at the moment I can’t exactly recommend with confidence. Fingers crossed they prove me wrong — but I’ll be tracking this closely.
Sceptical at first, pleasantly sorted in the end
I only noticed something was off the week before my renewal — I’d been with them since last summer and expected the usual renewal routine. Instead, a chunk of £265 had already left my account seven days early. That was annoying, because I like to compare prices and that sudden debit stopped me in my tracks. At first I assumed it was dodgy practice, and to be honest I was ready to rip it up and go elsewhere. I rang — well, tried to — no one was on the line, so I hunted for the cancel option online and managed to press it after a bit of faff. The thing that made me change my mind was actually when the refund appeared a few days later; not instant, but it came through and the company followed up with an email explaining why they pre-authorise payments. Still, the renewal price was steep compared with what I found elsewhere, so I’m not thrilled about the cost. But given the refund and the explanation, I ended up satisfied enough — wary, but satisfied.
Passport mess and slow replies
read the policy before you buy, keep receipts for valuables, and add gadget cover if needed. If you want real peace of mind, shop around. If you can live with limited cover and slow email replies, this will do, but manage your expectations.
Moving-day small print
hires that don’t involve an overnight stay aren’t covered. Page six, who knew? It felt a bit like the fine print had been hiding in a tea break. I needed cover because carrying heavy stuff when your spine’s protesting feels daft without a safety net, and we were using a car club hire for a few hours only — so that detail mattered, obviously. I rang customer service; the person was polite and tried to help, even admitted the wording is awkward, but there was a real uncertainty on the line which didn’t exactly inspire confidence. Delivery of the policy documents — quick and on time. Service — quiet, helpful but a little wobbly on the specifics. Price seemed reasonable for what it does cover, though I’d have paid more gladly for clearer terms up front. Thankfully I didn’t need to claim, and in that sense I’m relieved it didn’t come to a long, dreary claims process. Still, I’d warn others: don’t rely on assumptions, read pages properly (yes, I’m preaching), and maybe phone them before you book if your hire is for half a day. A decent product, but with room for being more upfront.
Not worth the cover
here’s a third‑party Amazon link with a temporary discount and no warranty, so that proves the value. Which, well, isn’t really the same thing. There was no real attempt to use average market value or to consider genuine replacement cost; instead they pointed to the cheapest available listing and waved it off as fine. When I pushed back they suggested I should accept “as a gesture of goodwill” and even hinted the amount could be reduced if I didn’t agree quickly. That felt like a soft sort of pressure and not great customer care when you’re actually relying on them. The one small plus was that responses were swift — initially — but speed didn’t make the outcome fair. If you want cover that values your kit properly, I’d look elsewhere. My advice: check the fine print about how they value claims and be ready to argue; I’ll certainly pick a different insurer next time. A bit annoyed, but not surprised.
Slow drip claims — not what I expected
sales were professional, clear and friendly, but the outsourced claims handler (the Davies Group) used what looked like deliberate delay tactics. I cancelled the rest of my policies as a result, because I just couldn’t trust them on anything serious anymore. If you’re older or not up for a fight, I’d warn you: this process is exhausting. So, mixed feelings — good on the front end, poor where it matters most.
About Coverforyou
CoverForYou is an online travel insurance specialist that offers single trip and annual multi-trip insurance policies. They cover situations like airline failure, medical expenses, accidents, liability, cancellation, baggage, curtailment, and more. Customers can also opt for specialized policies such as business travel insurance, adventure travel insurance, gadget insurance, ski travel insurance, wedding travel insurance, and others. Additionally, CoverForYou provides travel extras like winter sports cover, golf cover, backpacker cover, and pet cover. Founded with a focus on providing comprehensive insurance coverage for travellers, CoverForYou ensures customer satisfaction through their range of services and reliable customer support.
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Insurance | Travel Reviews & Experiences
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Last update: March 2026
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