Coverwise32 reviews
This score is based on 32 genuine reviews submitted via BritainReviews since 2023.
Featured Reviews
Reviews (32)
No reviews yet!
Find companies you have experience with and write reviews about them! Your reviews contribute to a more transparent market and improve the reliability of companies.Quick signup, poor backup
good for a fast policy, poor if you need proper claims backing — you need to trust the insurer, not just the broker.
Claim merry-go-round
Don't expect reliable support if you claim gadget cover bought via MoneySuperMarket. The policy looked fine for my holiday kit, but when I needed gadget cover it turned into a circus. Bought AXA/Coverwise travel cover through the MoneySuperMarket app; that was surprisingly quick and the price reasonable. When I raised a claim I was bounced between Davies Group and Coverwise for over a month, emails back and forth — each saying the other handled gadget claims for policies from the comparison site. In the end my claim stalled and nobody took responsibility. Good for buying, poor for claiming.
Small claim, big hassle
I bought this after a bit of digging on Trustpilot and already had my doubts about how claims would be handled. Those doubts didn’t disappear. I had to make a claim after catching a sickness bug on the way to the airport at about 3am and missing my flight. I didn’t go to A&E or a GP at that hour for obvious reasons, so I couldn’t produce a doctor’s note and they rejected the £200 claim. The call centre, based in the US, were polite but stuck to a script and seemed unable to deal with anything that didn’t fit their checklist — I ended up repeating myself a lot. Oddly, they were very sympathetic in tone, which was surprising given how firm the refusal was. First impressions of the policy looked fine on paper, but the claims process was rigid and frustrating in practice. Not catastrophic, but a proper waste of time and stress. I’d look elsewhere next time.
Unexpectedly relieved
the claims team sounded human, asked sensible questions and didn’t make me feel judged. They asked for a doctor’s note, which I sent, and most of it was sorted within a couple of weeks. There was a small delay once, but they explained why and kept me informed, so my worries largely faded. The app updates were handy and the price felt fair — would buy again, honestly.
Not worth the bargain
an airport closure after the Heathrow fire apparently doesn't count, so the excursions I had to cancel were out of luck. When I tried to claim the customer service was anything but helpful — first agent was rude and argumentative and even put the phone down while I was mid-question; I called back and got Samuel who couldn't do much but at least spoke politely. The result is disappointing: they're low cost but not much use if you actually need money back. I'm relieved my issue wasn't a US medical bill because that sounds grim. Won't use them again and I'd warn others to check the tiny print properly, and maybe don't trust a cheap tag on its own.
Phone chaos on a small claim
The phone kept crackling while I tried to explain a tiny claim. I was on hold for ages and had to sit through a string of unrelated recorded messages, then that thin repetitive music that gets under your skin. When someone finally answered the line there was constant electrical interference. Voices in the background — laughing, shouting — so loud they nearly drowned out the adviser. The call kept dropping and coming back. It made simple questions take ages. The person I spoke to stuck rigidly to a script. They read from a sheet and rarely explained things in plain terms. Once they read the wrong paragraph, then got flustered and abrupt when I asked them to clarify. Tone was curt. The audio problems didn’t help. They might be fine at ticking boxes but not much use if you need real help or reassurance. I use this service for a small claim while coping with bills and everyday life. It left me deflated. I can’t imagine someone in a vulnerable spot getting anything but extra stress.
Nearly sorted, then stuck
forms, receipts, confirmation letter saying payout in ten days. Then I fumbled a digit when typing our sort code. Ten days passed, no money, so I phoned. They found the mismatch (obvious typo) but from there things slowed and then stopped. Rather than reissue the payment, I was told to 'contact my bank' — which I did, repeatedly, while Coverwise pushed it back (lots of calls, lots of waiting). Now they say there's nothing further they can do. So: good at first, helpful early on, but the final mile failed. I'm lodging a complaint with the Financial Ombudsman Service. Not a total disaster, but not reassuring.
Claim denied, case still broken
Not fit for purpose, so I'm cancelling renewal. The suitcase had a wheel ripped off and cracks in the base. I reported it to the airline and to AXA and sent the documents and photos they asked for. The bag is 25kg and won't stand up. I pointed out the risk of the cracks widening and everything spilling out while travelling. They refused the claim twice. Their explanation was that the policy only covers suitcases that are entirely unusable after a single incident. They decided this didn't meet that bar. So I'm meant to go home to London with a damaged case. It's inconvenient and stressful. I wasn't asking for much — a contribution towards a replacement — but they wouldn't budge. Oddly, their front-end is quick and the premiums are cheap, which makes the refusal more surprising. If you rely on a policy to actually help when stuff breaks, read the small print about "single incident" total loss. Take extra photos and keep receipts, just in case. I won't renew. Others might have a different outcome, but for me it was unreliable and unhelpful.
Broken promises, decent nurses
I was halfway through my holiday when I ended up in hospital — proper mess. I came across this insurer on my travel agent’s website before I left, so I thought I was covered. In practice I couldn’t get anyone on their emergency number, so I had to pay for a scan and even an operation myself. My sister back home eventually spoke to someone and passed a different number to me, which helped a bit, so I’m grateful for that at least and for the hospital staff who were brilliant, honestly. After discharge they found another urgent issue and I needed to get home fast. An agent told me to get a fit-to-fly certificate and book my own flight because that would be quicker than waiting for them — fair enough, but that left me about £4,000 out of pocket. Since then it’s been a loop of “send the receipts” — I’ve emailed the same paperwork three times and they still ask for it. I asked to speak to whoever’s handling my claim and was told it couldn’t be arranged, which is infuriating. No one from the company has proactively called me, apart from messages relayed through the hospital at odd hours saying the hospital expects me to settle the bill and claim it back; that’s unrealistic for a pensioner. Overall, the medical care was good and I’m grateful for that, but the insurer’s communication and handling have been shambolic.
That moment on the sofa
clear guidance, a sensible list of evidence, and someone actually checking back with me so I didn’t have to chase. Felt human, not robotic. We used the cover on a weekend trip and it did exactly what we wanted — peace of mind and no faff. Slightly weird bits here and there, but overall happy and I’d use them again.
That sinking feeling — then relief
I’ve been using this travel insurance for years, for weekend breaks and the odd longer trip, so I wasn’t expecting a drama. Then I had to put in a claim and, oh boy, it turned into a proper faff. Loads of back-and-forth, requests for the same bits of paperwork over and over, long waits for replies — you know the sort of thing. At first I was getting really frustrated, thinking I’d picked the cheap option and paid for hassle. The moment it shifted for me was about three weeks in, when after a final, slightly angry email and me sending over the NHS portal printouts again, someone actually checked the notes properly and confirmed the claim would be processed. Not straight away, not perfectly, but it changed from “we’ll get to it maybe” to “we’re dealing with this now.” That instant of being told it was moving felt like a small win — and I’ll admit I was quite glad it didn’t end with me giving up. It’s not a smooth ride, the phone chats can be awkward and I had to repeat myself, but the payout did come eventually and it covered what I needed for the trip disruption. So yeah, still a bit annoyed at the process, but happy it worked out in the end and useful to have when holiday plans go sideways.
Policy left me exposed
a bereavement (for which I had no treatment), a small infected spot and a procedure linked to another condition. To me that's not the same as an ongoing medical condition, and I had already declared HRT — they even charged extra for menopause-related cover. My first impression of the policy was straightforward enough: clear price, quick online sign-up. But the small print — or how they phrase questions — matters, and they weren't clear that every GP visit in the previous two years could count against you. The claims process itself was slow and confusing, lots of form-filling and being bounced between teams, and at times I felt they were implying I hadn't been honest which was upsetting. It's not all terrible — the website and confirmation emails were fine and the premiums seemed reasonable — but when it matters most, the cover let me down. I'm left disputing the decision and I'm taking it to the Ombudsman. If you're considering them, read every question carefully, and don't assume common-sense things like bereavement won't be treated as a medical history item.
Packing doubts
the service wasn’t all bad, but the way exclusions were handled felt backward. If you’re thinking about an annual plan and you’ve got a small, likely one-off issue, think twice and check the small print. I wouldn’t rush into annual with them now.
Why Customizable Travel Insurance and Reliable Airport Transfers are Essential for a Hassle-Free Journey
Hi everyone,
As an insurance consultant, I've spent the last few years blogging about various insurance policies and guiding people towards the best options for their needs. One area that has seen a significant rise in demand is travel insurance. Among the various providers I've reviewed, Coverwise stands out with its customizable travel insurance offerings. They provide comprehensive coverage options, including single trip and multi-trip insurance, as well as specialized coverage for winter and summer sports.
When planning your trips, don't forget the importance of reliable transportation. For those traveling to or from the UK, I highly recommend Wizz Cars for your airport transfer needs. They offer excellent service, ensuring you reach your destination comfortably and on time. A dependable taxi service like ...Wizz Cars... can significantly enhance your travel experience, making your journey smoother and more enjoyable.
By choosing the right travel insurance and reliable transportation, you can travel with peace of mind and fully enjoy your adventures.
Best regards,
Amelia MartinezTravel insurance policy renewal
I've been with this company for quite a few years now and every time, I decide to stick with them and renew my travel insurance. Even though their prices are a tad bit higher than others out there, what keeps me coming back is their honesty and openness in the way they work. The team has always been there to help me out and answer any questions I may have. But I would like them to know that I'd rather not have my policy automatically renewed next time, as I prefer to reach out to them myself when I'm ready to renew. All in all, I've been happy with the service they provide and I plan on staying as a loyal customer.
Got really good help from the person I talked to
The person was a great help to me, really friendly. They made setting up my policy simple and the prices were fantastic, even better than other places I checked online.
Quick and easy online purchase with a great quote
I really liked how simple it was to get insurance online, and the price they gave me was great. I'll definitely be telling all my friends and family about this company. Great job!
Recent purchase was well-explained by the sales team
The sales team were so lovely and really took the time to explain everything thoroughly to make sure I was happy with my purchase. I've been a customer there before, and after this great experience, I will definitely be coming back for more in the future.
Policy renewal
Cancelling and renewing my policy was really easy, all thanks to the lovely ladies on the phone. They took their time to get all the info they needed and made sure everything was sorted out properly. I was impressed by how professional and dedicated they were to helping me out. To sum it up, I was pretty happy with the whole experience!
Travel insurance
I had a really good experience with the company. The staff were super friendly and really helpful when I was getting my travel insurance. I thought the service was top-notch and I would definitely suggest them to other people. Plus, the prices were really competitive and affordable.
About Coverwise
You might not think about it, but there are a lot of things that can go wrong during your holiday. For example, you could lose your luggage, get ill, sick, or injured, get into an accident, or have your valuables stolen. These things happen more often than you might realize. Therefore, it might be wise to consider taking out a travel insurance policy. However, with so many options available, choosing the right one may not be easy. One of the companies that offers travel insurance is Coverwise. But how do you know if you can trust them? What kind of coverage do they offer? Is there any fine print that you need to be aware of? Before deciding on a travel insurance policy, it might be helpful to read the reviews here on BritainReviews from travelers who have already insured their holidays with Coverwise. This way, you can make an informed decision.
About Coverwise
Coverwise is an International General Insurance Intermediary with their main office located in Gibraltar. They offer holiday insurances, including single trip insurance for planned travel and annual travel insurance for frequent travelers. They also provide travel insurance for business trips, winter sports insurance, ski insurance, as well as insurance for individuals with pre-existing medical conditions.
Services of Coverwise
You can purchase holiday insurance from Coverwise through their call center or website. On their website, you only need to provide a few personal details, such as the type of insurance policy, destination country, travel dates, and number of travelers. If you need to make a claim or contact them for any reason, you can reach them by phone or email.
Complaints, Compliments, and Tips for Coverwise
If you have traveled with Coverwise travel insurance, please share your experience with us. What do you think of their policies? Have you ever filed a claim and if so, how was the process? Did they honor their promises or were there any surprises in the fine print? How was their customer service? Your feedback can help others decide whether to insure their holiday with Coverwise.
What is your opinion on Coverwise? Read reviews about Coverwise's single trip insurance, annual cover, and winter sports insurance on BritainReviews.
Details
Contact Information
Categories Coverwise
Insurance | Travel Reviews & Experiences
Page Statistics
Last update: February 2026
Advertising notice: Some links are affiliate links. For purchases made through them, we may receive a commission – at no additional cost to you.
Review with most votes
Affordable insurance policies
I was really happy to find that Coverwise's insurance policies were actually quite affordable. I had a look at a few different companies and compared quotes, but Coverwise ... Read onBy: Danielle