Insurance policies

Compare Coverwise travel insurance policies – Forbes Advisor UK

Coverwise offers a full range of travel insurance policies, from standard contracts to specialized offers for winter sports travel, pre-existing medical conditions and business travel.

Its policies are underwritten by AXA, one of the five largest travel insurers serving UK customers. The underwriter’s job is to provide the nuts and bolts of insurance coverage.

Based in Gibraltar, Coverwise prides itself on “treating people the way we would like to be treated ourselves”.

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Why should I consider Coverwise?

Coverwise has a broad travel insurance portfolio, with single and annual travel insurance policies across five levels of coverage (Standard, Bronze, Silver, Gold and Platinum), to suit your needs and your pocket.

Its policies also include cover for Covid-related emergencies such as falling ill with the virus while abroad or having to cancel your trip due to contracting the virus before departure.

Coverage extends to travel against the advice of the Foreign, Commonwealth and Development Office (FCDO). However, in such circumstances, claims should not relate to Covid.

Coverwise covers travel in the following areas:

  • Europe (including Mediterranean, Morocco, Algeria, Tunisia, Turkey, Canary Islands, Madeira, Azores, Iceland and Egypt)
  • Worldwide (Excluding USA, Canada and Caribbean)
  • Worldwide (including the United States, Canada and the Caribbean).

Travelers can also purchase standalone single trip insurance policies for the UK (England, Scotland, Wales, Northern Ireland, Isle of Man and Channel Islands) and for Australia and New Zealand .

Coverwise has over 43,000 reviews on Trustpilot, with an overall rating of “excellent”, and policies rated five stars by Defaqto.

It tops our list of the best travel insurance providers and is also on our lists of the best annual travel insurance and the best Covid insurance.

How to contact Coverwise

Coverwise’s policies can be purchased online or you can call its customer service to take out insurance or have any questions on 01903 255 650, Monday to Friday 9am to 6pm and Saturday 9am to 2pm.

You can also send a message via his websiteor by email: [email protected]

How to find the best coverage for you

Price is a key factor when comparing travel insurance policies, but you should also compare coverage levels to get the amount of protection you need, otherwise you could find yourself strapped for cash if something goes wrong. something went wrong.

Important elements of your insurance will cover medical emergencies, cancellation and loss of baggage and personal effects. According to the government’s Money Helper website, there should be at least £1 million of medical cover included for travel within Europe and £2 million or more for the US, £2,000 of medical cover included. cancellation (or whatever is necessary to cover the cost of your trip) and at least £1,500 for lost or stolen baggage and personal effects.

Also be sure to add additional cover to your policy or purchase specialist cover if needed – for example, if you are going on a winter sports trip or have pre-existing medical conditions.

Why it makes sense to compare products and suppliers

It’s important that you have the right type of travel insurance and the right levels of cover for your needs, otherwise you could end up paying medical bills or replacing lost luggage with your own funds.

Whether you are taking out a new policy or your annual travel insurance needs to be renewed, it is worth comparing a range of policies, looking at factors such as price, but also the limitations and exclusions of your cover, as they differ from one font to another.

For example, annual travel insurance will have a maximum limit on the number of days you can travel per trip.

Also pay attention to the exclusions from coverage of risks related to Covid. For example, some suppliers won’t pay if you have to cancel your trip due to Covid illness, while others will.

Most insurers do not cover trips against FCDO advice.

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