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Coverwise Travel Insurance [Review]

 

This Travel Insurance Review

Alicia Hempstead - Drewberry
Written by:
Alicia Hempsted
Content Manager at Drewberry
⏰  7 min read

Founded

2001

Company Type

Private Limited Company

Company Overview

Coverwise is an international insurance intermediary based currently in Gibraltar which offers a range of general insurance products throughout the EU, including Coverwise Travel Insurance.
Read Drewberry's Coverwise Travel Insurance review.

Coverwise Travel Insurance policies are underwritten by AXA and provide 5 optional levels of cover: Standard, Bronze, Silver, Gold, and Platinum.

With their upper levels of cover, Coverwise also offer a range of additional cover options to add to your policy and tailor your protection, such as Extended Business Cover and Golf Cover.

Review the key facts about Coverwise Travel Insurance.

Coverwise Travel Insurance Review

Coverwise Travel Insurance is available as either Single-Trip or Multi-Trip policies. Family policies can cover up to 2 adults and any number of children under the age of 18.

 

Extended Travel Disruption Cover will cover your journey to and from your travel destination. This means that you could technically claim £1,000 for a missed outbound flight to your destination as well as an additional £1,000 if you miss your flight home.

 

Coverwise offer as much as £20 million cover for emergency medical expenses if you are injured abroad. They also offer optional extended cover for travel disruptions to help you get to your destination.

 

Coverwise have 5 Geographical Areas to choose from when you take out your policy.

  • UK Only (available only as a Single-Trip policy)
  • UK & Europe
  • Australia & New Zealand Only (available only as a Single-Trip policy)
  • Worldwide (excluding USA, Canada & Caribbean)
  • Worldwide
 

With a Multi-Trip policy, your covered trips abroad cannot exceed 31 consecutive days (17 days for winter sports). Single Trip policies will cover you for one trip, with the limit of your trip’s length outlined in your policy documents.

 

Coverwise Baggage Cover offers only limited cover for valuables if your luggage is lost or damaged. Valuables are typically defined as precious or high-value items, such as jewellery, electronics, cameras, and precious stones or metals.

 

The death benefit you receive under Accidental Death & Disability Cover is dependant on the age of the deceased person. Persons under the age of 16 or over the age of 65 are covered by a decreased benefit. You can read more about your age dependant cover in your policy documents.

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Coverwise Travel Insurance
Get up to £20,000,000 in emergency medical cover abroad
Coverwise Travel Insurance policies have 3 different levels of cover, ranging from affordable to comprehensive.

Coverwise Travel Insurance Policy Summaries

Coverwise offer 5 levels of Travel Insurance cover, ranging from minimal cover to highly comprehensive.

Standard Policy Summary

Standard Coverwise Travel Insurance Summary

Cover

Cover Limit

Medical Cover

£10,000,000

Hospital Benefit

n/a

Accidental Death & Disability Benefit

£10,000 for permanent disability or loss of limb
£10,000 for death

Emergency Dental Cover

£200

Cancellation Cover

£1,000

Delay Cover

n/a

Missed Departure Cover

n/a

Baggage Cover

£1,000
(£200 per item)
(£200 valuables limit)

Money, Passport & Travel Documents Cover

£200 cash limit (£50 for under 16s)
£100 other money & travel documents
£150 for collection of replacement passport

Personal Liability Cover

£2,000,000

Legal Cover

n/a

Pet Care Cover

n/a

Business Cover

n/a

Hijack Cover

n/a

Catastrophe Cover

n/a

Mugging Cover

n/a

Airline Cover

n/a

Optional Cover

Winter Sports Cover

  • Equipment: £300 (£150 per item)
  • Hired Equipment: £200
  • Replacement Hire: £15 per day (Maximum £150)
  • Ski pack: £200
  • Lift pass: £150
  • Piste closure: £15 per day (Maximum £150)
  • Avalanche/ Landslide: £15 per day (Maximum £200)

Extended Business Cover

n/a

UK Physiotherapy Cover

n/a

Golf Cover

n/a

Extended Travel Disruption Cover

n/a

Policy Documents

Standard policy key facts    Standard policy terms and conditions

Bronze Policy Summary

Bronze Coverwise Travel Insurance Summary

Cover

Cover Limit

Medical Cover

£10,000,000

Hospital Benefit

n/a

Accidental Death & Disability Benefit

£10,000 for permanent disability or loss of limb
£10,000 for death

Emergency Dental Cover

£1,000

Cancellation Cover

£1,500

Delay Cover

n/a

Missed Departure Cover

n/a

Baggage Cover

£1,500
(£200 per item)
(£200 valuables limit)

Money, Passport & Travel Documents Cover

£200 cash limit (£50 for under 16s)
£150 other money & travel documents
£350 for collection of replacement passport

Personal Liability Cover

£2,000,000

Legal Cover

n/a

Pet Care Cover

n/a

Business Cover

n/a

Hijack Cover

n/a

Catastrophe Cover

n/a

Mugging Cover

n/a

Airline Cover

n/a

Optional Cover

Winter Sports Cover

  • Equipment: £300 (£150 per item)
  • Hired Equipment: £200
  • Replacement Hire: £15 per day (Maximum £150)
  • Ski pack: £200
  • Lift pass: £150
  • Piste closure: £15 per day (Maximum £150)
  • Avalanche/ Landslide: £15 per day (Maximum £200)

Extended Business Cover

n/a

UK Physiotherapy Cover

n/a

Golf Cover

n/a

Extended Travel Disruption Cover

n/a

Policy Documents

Bronze policy key facts    Bronze policy terms and conditions

Silver Policy Summary

Silver Coverwise Travel Insurance Summary

Cover

Cover Limit

Medical Cover

£15,000,000

Hospital Benefit

n/a

Accidental Death & Disability Benefit

£10,000 for permanent disability or loss of limb
£10,000 for death

Emergency Dental Cover

£1,000

Cancellation Cover

£2,000

Delay Cover

£20 per 12 hours
Maximum £100

Missed Departure Cover

£1,000

Baggage Cover

£1,500
(£200 per item)
(£200 valuables limit)

Money, Passport & Travel Documents Cover

£200 cash limit (£50 for under 16s)
£150 other money & travel documents
£350 for collection of replacement passport

Personal Liability Cover

£2,000,000

Legal Cover

£50,000

Pet Care Cover

n/a

Business Cover

n/a

Hijack Cover

n/a

Catastrophe Cover

n/a

Mugging Cover

n/a

Airline Cover

n/a

Optional Cover

Winter Sports Cover

  • Equipment: £500 (£250 per item)
  • Hired Equipment: £250
  • Replacement Hire: £20 per day (Maximum £200)
  • Ski pack: £300
  • Lift pass: £200
  • Piste closure: £20 per day (Maximum £200)
  • Avalanche/ Landslide: £20 per day (Maximum £250)

Extended Business Cover

n/a

UK Physiotherapy Cover

£400

Golf Cover

n/a

Extended Travel Disruption Cover

  • Cancellation or abandonment of your trip: £2,000 (limited £200 for taxis & car hires)
  • Additional travel expenses after disruption: £2,000 (limited £200 for taxis & car hires)
  • Delayed departure: £100 (£20 per 12 hours after)
  • Missed departure of inbound/ outbound connections: £500

Policy Documents

Silver policy key facts    Silver policy terms and conditions

Gold Policy Summary

Gold Coverwise Travel Insurance Summary

Cover

Cover Limit

Medical Cover

£15,00,000

Hospital Benefit

£20 per 24 hours
Maximum £2,000

Accidental Death & Disability Benefit

£20,000 for permanent disability or loss of limb
£20,000 for death

Emergency Dental Cover

£200

Cancellation Cover

£3,000

Delay Cover

£20 per 12 hours
Maximum £300

Missed Departure Cover

£1,000

Baggage Cover

£2,000
£300 emergency replacement
(£200 per item)
(£200 valuables limit)

Money, Passport & Travel Documents Cover

£200 cash limit (£50 for under 16s)
£300 other money & travel documents
£300 for collection of replacement passport

Personal Liability Cover

£2,000,000

Legal Cover

£50,000

Pet Care Cover

£50 per day
Maximum £200

Business Cover

£1,000 for replacement employee
£500 for replacement samples

Hijack Cover

£50 per 24 hours
Maximum £500

Catastrophe Cover

£1,000

Mugging Cover

n/a

Airline Cover

n/a

Optional Cover

Winter Sports Cover

  • Equipment: £500 (£250 per item)
  • Hired Equipment: £250
  • Replacement Hire: £20 per day (Maximum £200)
  • Ski pack: £300
  • Lift pass: £200
  • Piste closure: £20 per day (Maximum £200)
  • Avalanche/ Landslide: £20 per day (Maximum £250)

Extended Business Cover

  • £1,000 for equipment (£500 per item)
  • £200 equipment delay
  • £200 courier
  • £50 per day for equipment hire
    (Maximum £500)
  • £500 currency cover (£250 cash limit)
  • Accidental Death & Disability benefit is doubled

UK Physiotherapy Cover

£400

Golf Cover

  • £50 per day for loss of green fees (Maximum £350)
  • £2,000 for equipment
  • £400 for equipment delayed more than 12 hours
  • £50 per day for replacement hire (Maximum £400)

Extended Travel Disruption Cover

  • Cancellation or abandonment of your trip: £3,000 (limited £200 for taxis & car hires)
  • Additional travel expenses after disruption: £3,000 (limited £200 for taxis & car hires)
  • Delayed departure: £300 (£20 per 12 hours after)
  • Missed departure of inbound/ outbound connections: £500

Policy Documents

Gold policy key facts    Gold policy terms and conditions

Platinum Policy Summary

Platinum Coverwise Travel Insurance Summary

Cover

Cover Limit

Medical Cover

£20,000,000

Hospital Benefit

£25 per 24 hours
Maximum £2,000

Accidental Death & Disability Benefit

£80,000 for permanent disability or loss of limb
£30,000 for death

Emergency Dental Cover

£500

Cancellation Cover

£6,000

Delay Cover

£35 after 12 hours & £20 per 12 hours after
Maximum £350

Missed Departure Cover

£1,000

Baggage Cover

£3,500
£400 emergency replacement
(£300 per item)
(£500 valuables limit)

Money, Passport & Travel Documents Cover

£350 cash limit (£50 for under 16s)
£150 other money & travel documents
£500 for collection of replacement passport

Personal Liability Cover

£2,000,000

Legal Cover

£50,000

Pet Care Cover

£50 per 24 hours
Maximum £250

Business Cover

£1,500 for replacement employee
£1,000 for replacement samples

Hijack Cover

£100 per 24 hours
Maximum £1,000

Catastrophe Cover

£1,000

Mugging Cover

£1,000
(£100 for the first 24 hours in treatment
£50 per 24 hours after as an inpatient)

Airline Cover

£1,500

Optional Cover

Winter Sports Cover

  • Equipment: £1,000 (£500 per item)
  • Hired Equipment: £500
  • Replacement Hire: £25 per day (Maximum £500)
  • Ski pack: £500
  • Lift pass: £500
  • Piste closure: £35 per day (Maximum £600)
  • Avalanche/ Landslide: £35 per day (Maximum £600)

Extended Business Cover

  • £1,000 for equipment (£500 per item)
  • £200 equipment delay
  • £200 courier
  • £50 per day for equipment hire
    (Maximum £500)
  • £1,000 currency cover (£500 cash limit)
  • Accidental Death & Disability benefit is doubled

UK Physiotherapy Cover

£400

Golf Cover

  • £50 per day for loss of green fees (Maximum £350)
  • £2,000 for equipment
  • £400 for equipment delayed more than 12 hours
  • £50 per day for replacement hire (Maximum £400)

Extended Travel Disruption Cover

  • Cancellation or abandonment of your trip: £6,000 (limited £200 for taxis & car hires)
  • Additional travel expenses after disruption: £6,000 (limited £200 for taxis & car hires)
  • Delayed departure: £350 (£35 after first 12 hours and £20 per 12 hours after)
  • Missed departure of inbound/ outbound connections: £1,000

Policy Documents

Platinum policy key facts    Platinum policy terms and conditions
 

Glossary of Travel Insurance Cover Terms

  • Accidental Death & Disability Benefit: If someone under a Coverwise Travel Insurance policy dies, loses a limb or becomes permanently disabled while abroad, this cover will pay out a benefit.
  • Airline Cover: This cover will pay out if the airline you are scheduled to fly with fails either before embarking on your journey or while you are abroad.
  • Baggage Cover: This cover will pay out to compensate of you if any of your luggage or personal possessions are damaged, stolen or lost during your travels, provided you have taken the appropriate safety precautions to protect them.
  • Business Cover: If you are travelling for business reasons, this cover offers additional protection to ensure that your business-related tasks can still be carried out. It can afford a replacement employee as well as replace lost or damaged samples.
  • Cancellation Cover: If unforeseen circumstances force you to cancel your holiday or cut it short, this cover will refund you some or all of the price of your holiday.
  • Catastrophe Cover: If an earthquake, explosion, fire, flood, hurricane or storm prevents you from following through with your travel plans, Coverwise will pay out a small lump sum to help you make alternative arrangements.
  • Delay Cover: If your international flight, train, or boat is delayed, this cover will pay out regular benefits over a period of time.
  • Emergency Dental Cover: If you suffer a dental emergency while abroad, this cover will cover the cost of fast emergency dental treatments.
  • Extended Business Cover: This optional cover will provide extra protection if you are travelling for business, covering equipment, money, and courier fees.
  • Extended Travel Disruption Cover: This cover option, unique to Coverwise, will provide extra protection if your travel plans are disrupted while travelling to and from your destination of choice.
  • Golf Cover: This optional add-on for your policy will pay out to cover personal and hired golfing equipment while you’re abroad as well as cover non-refundable fees if you need to cancel your golfing plans unexpectedly.
  • Hijack Cover: Coverwise will cover you if an aircraft, train or sea vessel you are travelling in as a fare-paying passenger is unlawfully seized.
  • Hospital BenefitIf you are admitted to hospital while abroad, Coverwise will pay out a small benefit for each night you spend in hospital.
  • Legal Cover: This cover will pay out to help you cover legal costs if you want to pursue compensation in the event that you suffer injury or illness while you’re abroad.
  • Medical Cover: This cover will pay out to cover the cost of any emergency medical treatment you may need while outside the UK. This payout can also cover additional travel or accommodation costs associated with your treatment.
  • Missed Departure Cover: Providing you are not to blame for missing your flight, train or boat, your Coverwise Travel Insurance policy will pay out to help you afford replacement transportation if you miss your departure.
  • Money, Passport & Travel Documents Cover:  This cover will reimburse if during your travels your money, passport, tickets or essential travel documents are lost or stolen. You will only be able to claim this cover if you have taken the necessary precautions to ensure the safety of your belongings.
  • Mugging CoverThis cover will help you afford medical treatment if you sustain injuries as the result of a violent mugging.
  • Personal Liability Cover: If an event occurs that you are legally liable to pay for, such as damage to another person’s property or accidental injury, your Coverwise Travel Insurance will pay out to help you cover the costs associated.
  • Pet Care Cover: If you are delayed from coming home and have a pet that is being cared for by a kennel or cattery, your Travel Insurance will cover the cost of extending your pet’s stay until you are able to return home.
  • UK Pysiotherapy Cover: If you are injured while abroad and require continued treatment when you return to the UK, Coverwise will cover a limited number of physiotherapy sessions in the UK.
  • Winter Sports Cover: This add-on extends your policy’s cover to include winter sports. This means that you will be able to receive compensation for bought or rented equipment and pre-paid ski packs and passes. You can also claim for piste closure and ski lift passes.

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Review Coverwise Travel Insurance key comparison points and features.

Additional Information About Travel Insurance from Coverwise

 

Key Comparison Points for Coverwise Travel Insurance

  • Coverwise does not cover pre-existing conditions and their policies are not available to people over the age of 76 (Single-Trip) or 66 (Multi-Trip). This means that Coverwise Travel Insurance policies may not be suitable to older people with certain medical conditions. However, Coverwise are able to cover families with any number of children and the broad variety of cover options means that policies are suitable for individuals and families with any kind of budget.
  • Coverwise is one of the few providers that offers cover for UK physiotherapy. This means that if you are injured while you are abroad, you can claim up to £400 when you return home to cover the cost of physiotherapy, speeding up your recovery and saving you from a long wait for your treatment.
  • Coverwise offer an extensive list of sports and activities that are covered as standard by their Travel Insurance policies. This list includes activities such as bungee jumping, sailing, water skiing, horse riding, and snorkelling. The standard list for winter sports also includes activities such as ice hockey, ice diving, off-piste skiing and snow-mobiling. However, Coverwise do not offer an optional additional list to increase the number of activities you are covered for.
  • Any equipment, valuables or personal belongings that are covered by your policy must be appropriately cared for and protected if you expect to be able to claim for their damage or loss. Items that are left unattended or unsecured, or items that are damaged as a result of general wear and tear or during a maintenance process are not covered by your Travel Insurance.
 

Coverwise Travel Insurance Excess

The level of excess that you need to pay when making a claim will depend on your policy’s level of cover as well as the type of cover you are claiming for.

Cover Level

Excess

Standard

£100 / £150 / £200

Bronze

£100 / £200

Silver

£50

Gold

£50

Platinum

£50

The following list includes the cover types where you will typically be required to pay a mandatory excess. However, with a Platinum Coverwise Travel Insurance policy, some of these excess payments are removed. See your policy documents to learn more about how an excess is applied to your policy.

  • Cancellation Cover
  • Medical Cover
  • Emergency Dental Cover
  • Baggage Cover
  • Money, Passport & Travel Documents Cover
  • Personal Liability Cover
  • Missed Departure Cover
  • Legal Cover
  • Winter Sports Cover (equipment cover)
  • Business Cover (samples, equipment, and currency cover)
  • Golf Cover (equipment cover)
  • Extended Travel Disruption Cover (cancellation/ abandonment, additional expenses, and missed departure cover)
 

Policy Exclusions

While different types of cover and claims have their own specific exclusions, there are also some that are applied generally to your policy:

  • War risks/ civil commotion/ terrorism (except under medical cover and hospital benefit)/ sonic bangs/ radioactive contamination
  • Climbing or jumping from vehicles, buildings or balconies, regardless of height
  • Wilful, self inflicted injury, suicide, drug use or solvent abuse
  • Claims resulting from excessive consumption of alcohol
  • Unlawful or criminal actions committed by yourself or persons covered by the policy
  • Travelling to a certain area against the advice of the Foreign and Commonwealth Office or the World Health Organisation.

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REVIEWS
EXCELLENT
4.92 / 5 Average
1599 Reviews
S Holt
Overall Rating
Michael was very helpful throughout. He was extremely knowledgeable and answered my many questions thoroughly and patiently. He maintained regular contact and informed me of the progress of my application each step of the way. Very professional, friendly and clear. Thank you
N Agarwal
Overall Rating
Very Professional and excellent knowledge
J Bitton
Overall Rating
The help I received in setting up my insurance policy was very efficient; the advisor I spoke to was friendly and professional, leaving me reassured and satisfied with my purchase.
N Dawson
Overall Rating
From initial contact to conclusion of a policy selected Oliver was very professional ,honest and offered sound advice with no pressure to take up specific products discussed. Brilliant service all round and no hesitation in recommending the company. Thanks Very Much
M McCann
Overall Rating
Excellent service. Will recommend Drewberry. Friendly and knowledgeable staff focused on delivering best solution for the client. Thanks Jake & Nick