Have you considered Coverwise travel insurance as an option for your next jet-setting adventure? Their travel insurance plans cater to you whether you’re an occasional traveller or journey frequently throughout the year.
Coverwise has been operating since 2011, and as of September 2023 are rated 'Excellent' with over 78,000 reviews on Trustpilot. But what are their travel policies like? Let's take a closer look.
What different travel insurance options are available?
Coverwise’s product catalogue offers a range of options for your journeys. Whether you're seeking worldwide coverage for a single holiday in Mallorca or an annual policy to safeguard all your yearly getaways, they've got you covered.
All Coverwise policies come with:
- Trip cancellation cover between £1,000 and £6,000.
- £20,000,000 emergency medical expenses cover.
- Personal liability cover of up to £2,000,000.
- Legal expenses cover of between £20,000 and £50,000.
- Cover for lost or stolen baggage between £1,000 to £3,500.
A medical consultation service is also included with all policies, allowing you to talk to the service team no matter where you are.
Single-trip travel insurance
Coverwise offers a range of coverage levels designed to safeguard a single holiday with single-trip travel insurance, including:
- Standard and Standard Plus: These plans cover curtailment starting at £1,000 and an excess policy ranging from £125 to £200.
- Bronze: With £1,500 curtailment cover, Bronze policies offer excess options ranging from £100 to £200.
- Silver and Silver Plus: These plans start curtailment coverage at £2,000 and feature a fixed excess of £50.
- Gold: Gold policies elevate your coverage with curtailment protection starting at £3,000 and maintain a £50 excess.
- Platinum: Representing the highest level of coverage, Platinum offers curtailment protection of up to £6,000, with a consistent £50 excess.
Silver policies and higher also include cover for delayed departure, trip abandonment (after a 12-hour delay) and missed departure cover.
Single-trip cover is available to anyone under the age of 76.
Annual travel insurance
Consider purchasing annual cover if travelling is in your veins and a single holiday isn’t enough. Annual travel insurance can be cheaper if you like to escape to the same destination multiple times a year or explore new locations.
Coverwise offers multi-trip annual insurance policies in the same cover levels outlined above, from Standard to Platinum, including emergency medical cover.
There are limits for the annual policies, including:
- Standard, Standard Plus, and Bronze levels cover trips of up to 24 days.
- Silver, Silver Plus, Gold and Platinum levels cover trips of up to 31 days.
Please note that annual multi-trip cover is unavailable to anyone aged 66 or over.
If you're a fan of chilly getaways, you'll be delighted to know that Coverwise provides winter sports and ski insurance for single and annual travel insurance policies.
Their winter sports and ski insurance covers the following:
- On and off-piste activities, including parapenting.
- Mountain search and rescue expenses.
- Piste closure.
- Loss of your ski pass.
- Ski and snowboard hire.
- Damaged, lost or stolen ski equipment.
- Medical treatment and repatriation to the UK.
The annual policies can cover up to 17 skiing and snowboarding days which can be taken as one trip or an accumulation of shorter trips.
Business travel insurance
Business travel insurance is also available in the same cover levels, from Standard to Platinum.
Investing in an annual multi-trip travel insurance policy from Coverwise could prove beneficial not only for yourself but also for your employer. This policy ensures coverage for your business trips, offering essential protection like emergency medical treatment, repatriation, and additional accommodation and transportation expenses if you can't return home due to an accident or illness abroad. It's a smart choice for peace of mind, both personally and professionally.
The policy can also cover a replacement employee or the loss of work-related samples. This means you can send a replacement employee without losing insurance coverage if you can't make it to your trip.
Higher-tier policies can also give enhanced protections with Abandonment and Missed Departure to help with travel disruption.
You should note that Coverwise business travel insurance does not cover you for personal liability whilst working abroad or in the UK.
What about pre-existing medical conditions?
Travel insurance often comes with exclusions that can be especially problematic if you have a pre-existing medical condition.
Coverwise provides the option to purchase additional coverage if you have a pre-existing medical condition.
This add-on insurance covers a range of medical conditions, including:
- High blood pressure.
Simply complete a medical assessment online to tailor the coverage that suits you best. The Coverwise medical team will get back to you if there are any issues.
Car hire excess cover
If you enjoy the freedom of hiring a car on your trips, you might be interested in the Coverwise annual car hire excess insurance.
Their policies offer extensive coverage, providing up to £7,000 for damage and theft per vehicle rental. Plus, they include built-in protection for misfuelling and key-related incidents as standard.
Coverwise excess cover is available to all policyholders, so you can simply add it to your single-trip or annual policy.
How to purchase Coverwise travel insurance
If you choose Coverwise travel insurance, fill in your details online to get personalised travel insurance quotes.
You can also call them at 01903 255 650. The phone lines are open:
- Monday to Friday from 9 am to 6 pm.
- Saturdays from 9 am to 2 pm.
You can cancel your policy within 14 days of receipt of your travel insurance documents. You must submit cancellations in writing to the Coverwise Sales teams in Worthing or through email.
Making a claim with Coverwise
Visit the AXA claims portal if you need to make claims. You can also call the claims team at 0330 024 8315 during regular office hours (Monday to Friday from 9 am to 5 pm).
Should I buy Coverwise travel insurance?
Coverwise travel insurance policies provide options for all kinds of globetrotters. You can cover your summer holiday with a single-trip policy. If you travel more frequently, Coverwise travel insurance for annual multi-trip policies covers your needs.
Their selection benefits all sorts of jetsetters, even those with pre-existing medical conditions.