Travel Insurance

CoverForYou travel insurance: What do you get for your money?

Buying a travel insurance product to ensure you are protected when abroad is sensible, but doing the research required can be time-consuming. Let's review CoverForYou travel insurance to see whether it could be a suitable provider for you.

 - 3 Min Read
Last updated and fact checked:
CoverForYou travel insurance: What do you get for your money?
  • CoverForYou offers many different types of policies to suit a broad range of needs
  • Care needs to be taken with their upper age limits
  • Covers a wide range of pre-existing medical conditions
  • Has a 5-star Defaqto rating as of January 2023

FAQs - CoverForYou travel insurance

  • Are valuables included with holiday insurance policies from CoverForYou?

    They can be. The different policies that CoverForYou provide vary, so ensuring you choose the right policy to cover your valuables adequately is essential. While all policies cover personal belongings and baggage, the total amount covered depends on the level of cover you choose.

  • Is it better to get single-trip travel insurance or a multi-trip policy with CoverForYou?

    There is no right or wrong answer to this. The type of insurance you need will depend on your specific needs. For some, buying one-off single-trip insurance products with a few add-ons may be suitable. For others, a multi-trip policy with winter sports cover, cancellation cover and gadget cover may be necessary.

  • What pre-existing medical conditions are covered with CoverForYou?

    You need to tell CoverForYou about pre-existing medical conditions to be covered - particularly if you receive any medical treatment while away. You would need to check specifically for your condition, but they can include the following: 

    • Respiratory and heart conditions
    • Neurological conditions (for example, stroke, brain haemorrhage, multiple sclerosis epilepsy and dementia)
    • Cancerous conditions
    • High blood pressure and/or high cholesterol
    • Mental health conditions (for example, anxiety, depression or eating disorders)
    • Diabetes
  • Is CoverForYou the best travel insurance provider?

    CoverForYou is definitely up there with one of the best providers around. Their differing policies mean you can purchase the amount of cover required for your needs at a price that is right for you. You won't have to worry about paying over the odds for features you do not need.

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CoverForYou travel insurance is one of the many options for your holiday cover needs or whenever you are abroad. Here, we look at whether the level of coverage provided by this Defaqto 5-star rated company is comprehensive enough and whether its insurance quotes are good value for money. 

Whether you're looking for single-trip, multi-trip, or specialist cover, or need assurance about pre-existing medical conditions, our panel of travel insurance providers has you covered. Click on your chosen provider below to get started.

Single-trip versus annual multi-trip insurance cover

One way CoverForYou stood out during our review was that it has several types of policies, so people with significantly different needs and circumstances can easily find a product that suits them. One prominent example was that it's possible to buy cover for a single trip, but also an annual policy, which could be a better option if you plan to go abroad more than once a year. 

That's not just it, however. Customers can purchase winter sports cover so that if they put just one ski on the piste and something goes wrong, they should be covered. There's also backpacker cover if you plan to go away for a long time. 

However, for all these types of trips, it's important to cross-reference the time away allowed - even the backpacker cover - in relation to your specific age. With CoverForYou, their standard multi-trip policy is not available for those aged 71 or over. For a single trip, there is an upper age limit of 76. 

Cancellation of trips

One of the reasons many people make a travel insurance claim is a cancellation of their trip, which could happen for many reasons. Perhaps they have caught Covid-19 and can't travel, or their scheduled airline has cancelled their flight due to an airline failure, affecting the rest of their trip. It's vital that you understand the extent to which a policy covers you before you buy it.

With CoverForYou, you can sometimes claim even if the FCDO advises against all but essential travel to a location. The wording here is crucial. If your trip is not essential and breaches your policy's terms and conditions, then you won't be able to make a claim. That may be a risk worth taking for some. Still, the costs of the repatriation of a close relative, for example, can be sky-high and not something you want to have to worry about if the worst were to happen. 

Buying a travel insurance policy with CoverForYou

CoverForYou travel insurance has a lot going for it. Its products, set out in exacting policy wording in its policy documents, will often answer the needs of a broad range of people. So whether you want annual travel insurance or cover for one trip, which you can be sure will reimburse you for any medical expenses, there should be a product that will more than suffice, with minimal exclusions. 

Plus, the company's policies are underwritten by AXA Insurance UK, so you can be sure that the insurance company has a robust foundation. AXA is regulated by the Financial Conduct Authority, so CoverForYou has to follow stringent rules. 

These are all significant benefits of buying insurance through this company. However, it's essential to ensure that your age is catered for if you travel in retirement. In general, fewer policies are available to people of 70, and CoverForYou (at the time of writing) have limits of 76 for a single-trip policy and 71 for a multi-trip. That could automatically preclude this company from your options. But it's a good idea to double-check before purchasing, as terms and conditions can change.

The content on pensiontimes.co.uk is for informational and educational purposes only and should not be construed as professional financial advice. Should you need such advice, consult a licensed financial advisor. Any references to products, offers, rates and services from third parties advertised are served by those third parties and are subject to change. We may have financial relationships with some of the companies mentioned on this website. We strive to write accurate and genuine reviews and articles, and all views and opinions expressed are solely those of the authors
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