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.
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.