CoverForYou Reviews 

Just got back from Crete and on the first day my daughter fell on a water slide and burst her chin open. She went to hospital for stitches and as we were there for 2 weeks she also had to get the removed over there. As soon as I got back to the hotel I phoned to make a claim and the man who helped me make the claim was informative and helpful and made sure I got all the details and I needed for the hospital and I got all the details they needed so there was no hassle and gave me there email incase any miscommunication between myself and the hospital. Thankfully everything went smooth and by the next day everything was sorted and all I had to pay was the excess of the policy. Would highly recommend for travel insurance

absolute disgrace.. namely a craig and adrian.. happy to give my opinion and views in court.. i consider this company unfit for purpose or their underwriters.. either way they left me in thailand hanging.. with absolutely no contact to me after one week of needing a hospital visit to a local very good quality hospital.. who were very professional.. after many times of trying the hospital eventually made contact and secured a case ref number.. cover for you or axa whoever were the guys dealing with my case had 2 active phone numbers for me and an active email But no contact to me at all.. outrageous company who should be investigated..

If you want travel insurance just to feel good then great, if you want decent cover, LOOK ELSEWHERE!

I expected more from a policy underwritten by AXA!

Accommodation, transport and new flight costs to get home due to STOLEN passport NOT covered in their GOLD annual policy. The passport itself is covered but barely covers the cost of the ETD required to return to the UK, doesn't come near to getting a new passport as well!

If you're expecting your belongings to be covered then make sure you have a receipt for everything you're taking with you, because they ONLY pay out if you can show them the RECEIPTS!! A bit of a problem if some of your items were presents or if you bought your clothes any longer than a week before departure and the receipt is still lurking in the bag! As a consequence they assessed my claim at 1/4 of the total value of the items that were stolen. On, and Air pods are classed as gadgets so you need to take extra cover for these!

Customer service is friendly on the phone but communication by email is appalling as it takes at least a week to get a response.

Lesson.., read the entire policy wording before taking out the cover because BASIC things you think would be covered, AREN'T. I will never use this company again!!

I placed a claim with Cover for You following a ski accident in late February to recover some medical costs and check if I could get back some money for unused ski pass.

I had to wait over 45 minutes on the emergency hotline to get through to someone with a injured shoulder which was not great. I then submitted the CAS form. I heard nothing from AXA who are processing the claim despite a number of follow up emails asking for an update.

I raised a complaint on the 11th of April and was paid some compensation in June and was asked for some additional information by AXA.

It's now the 22nd of August and my claim from February has still not been settled and I've continued to receive no feedback. Very disappointing as I assumed with a 5 star rating I would get a good service.

Watch out! CoverForYou will take travel insurance renewal payment *7 full days ahead* of your renewal date.
Allegedly this is to ensure you're covered. Somehow every single other insurance provider manages to provide uninterrupted cover whilst taking payment on the day of the renewal - so I don't think this is acceptable justification.
This is clearly to prevent you shopping around.
I sat down to look at my travel insurance policy on the Sunday before the renewal date, only to find £265 had already been deducted from my card.
Of course, no customer services team was available, so I had to spend 20 minutes finding the cancellation button online.
Apparently a refund will be made - but this gives me another job to do to check it arrives and in the meantime, I'm out of pocket.
What's more, I found an equivalent insurance policy with Admiral for only £80!! So the renewal price was a complete rip off.
Given this underhand approach to taking a sky high payment 7 days ahead of time, I will never take an insurance policy with CoverForYou again.

Dreadful experience around cruise cover and a missed port. 1/8 of what other insurers pay. Customer service were very cold and blunt when I questioned it.
Terms not clear - we believed the £25 missed port to be an excess fee not a settlement fee. All other insurers pay £150-£200, greatly disappointing.
Will not use this insurer again.

Policy and company have always been great. But they use Axa for claims. Really poor service. Told me they won’t look at claim for 3 weeks as really busy. Then put various obstacles in the way of claim
CFYad24-8751212

Absolutely disgraceful company to deal with, typical insurance tricks to get out of paying anyway they can. My claim was denied even before they had all the paperwork 😡

Had been with this insurance company for a long time but only recently needed to make a claim for the first time. Look for accurate reviews online as the 4/ 5 star reviews are totally not accurate. As mentioned in other negative reviews they have very dubious tactics indeed to avoid paying out a claim even when sending through all the evidence as per the rules, they stall and stall by sending out a response every week (in my case every thurs morning) in the hope you give up and go away. In my case it made me so cross and determined but also worried as those tactics were so obvious and unprofessional I dedided to cancel all my policies as was worried about how they treated me as a loyal customers and if we should ever need them for serious issues then I would not like to go through the torture of weekly emails (for 4 whole months !!!) just to get your valid claim money. Do your research on travel insurance companies and their paying out rate. The sales dept at cover for you are good and professional it is just once you try to make a claim they outsource it (gadget claims in particular) to another company called the Davies Group which were as mentioned above basically used the ‘don't pay out straight away and hope they give up’ stalling tactics which I read was so stressful for older loyal customers and understood having gone through it myself ! I made a point to not give up but it took a lot of time and stress answering their emails.

Omg got my covers today perfect fit they are better than I thought they would be I’m well chuffed they look amazing thank you easy to choose colour perfect size really happy with them amazing

I've Bought this travel insurance for years, but this time is the first time using it for a medical Emergency. When it's actually needed is difficult to use, the only way to contact them for a medical emergency is making a phone call to a UK number, and of course when you are abroad that will cost you a lot. I'm in Peru and is costing me 1GBP per minute,When you call, they put you in a holding queu, after waiting 7 mins they answered my phone, say their name and as they could not hear me they hang up without saying anything, ridiculous.
I'm calling again for a second time this time I've been waiting for 13 mins. Total lost at the moment: 20GBP just for them to not even taking my insurance policy number.
Thank god my emergency is not life threatening otherwise I can not imagine bearing with this.
Update: After 15 mins they've answered my call and told me that they could not hear and they will call me back. 30 mins has passed already and nobody has called me back.

Update 23/05/2025

When I finally needed to use the insurance I’ve paid for over the years, your service failed me. I spent over 30 minutes on hold, wasted more than £20 trying to reach you, only to be hung up on and left waiting for a call back that never came. In a medical emergency, this is unacceptable.

Your suggestion that the issue is on my end is not only dismissive but also inaccurate. I had a stable connection and was able to make other international calls without a problem.

You say you'll reimburse costs for a "valid assistance claim"but how is anyone supposed to make a valid claim if they can't even reach you in the first place?

You need to seriously reconsider how accessible your emergency services are. Depending on a single UK number in 2025, with no backup options like email, app support, or messaging, is not good enough.

I hope this feedback prompts real change, because I wouldn't wish this experience on anyone.

Have been with CoverForYou since 2018. Until now... They offer no options for purchasing travel insurance when ongoing medical tests are involved — even for very mild conditions. I understand the need for caution, but it would be helpful if there were options to exclude such conditions from coverage, rather than declining coverage altogether. It would also be encouraging to see some consideration or flexibility extended to long-standing customers like myself who have remained loyal for over six years.

What a find, great company! I really enjoy their little competitions monthly too and the ability to get points to move up a tier etc. Have just renewed my travel insurance for the 3rd time- the last time I had to actually use the claims process was about 5 months ago when I had an accident and tripped on a curb in Spain. No hassle, just paid the medical bills back quickly with no fuss.

We had a flight booked to Barbados to attend our grandfather’s funeral, unfortunately, the children and I contracted COVID-19, therefore couldn’t attend. We tried to make a claim, however, we’ve been told that we’re not a customer, although we took out a policy. Clearly a scam.

UPDATE: They have been in contact and have agreed we are a customer. Waiting for this to now be resolved

Our flight got cancelled suddenly due to a union strike of airports in Germany. We needed to rebook another airline and train tickets to fly back to the UK. When I tried to claim all the extra cost, it turned out to be Axa insurance again. They asked me to provide many documents. After all the efforts and time I put into to provide the documents, they said 'Unfortunately we will not be able to cover additional public transport expenses, as you have not purchased the travel disruption benefit.' It's all very confusing and those terms in the contract are so vague. You've never known what's included until you try to claim. Also, why didn't they told me at the very beginning? They could've checked my policy and told me it's not included. We tried to claim around £500 and they only want to pay us £100. Also, they are asking the documents I've already provided again! I honestly think all the money for travel insurance is a total waste. Unless you have a major health emergency, all the extra cover is a con.

I presume the majority of the positive reviews come from people who haven’t had to make a claim. Unfortunately, during a recent trip to the USA, I either lost or was the victim of theft of my headphones. I followed the procedure and, once back home, submitted a claim.

The response was initially quick—they first offered a replacement item, then a few hours later changed this to a monetary compensation of £72.00. I asked for clarification on how this amount was calculated, especially since the original seller lists the same headphones for an average price of £200. Their reply included a link to an Amazon listing from a third-party reseller, with no warranty, and the product was temporarily discounted. There’s no guarantee I could even purchase a replacement at that price.

A fair compensation, based on the average market value, would be at least double what they offered. When I asked for further clarification, they avoided answering directly and suggested I accept their offer “as a gesture of goodwill” because another seller lists the headphones for £50. They even implied the offer might be reduced if I didn’t accept.

This is how they treat you when you actually need their support. Five stars? Not even close. Next time, I’ll choose a more serious and reliable insurer. Avoid this one if you want to ensure your items are properly valued and not just matched to the cheapest online listing they can find.

This company claims that its Car Hire Excess Insurance covers hourly hires from UK Car Hire Clubs (eg, Enterprise) as standard. However, what they don’t tell you in their FAQs marketing is that there is a technicality hidden in the small print (Page 6!) which means that unless you have stayed overnight somewhere your policy is invalid. In reality this means that hires from Car Hire Clubs are generally not covered because 90%+ are for less than a day and do not involve overnight stay. It is misleading to claim otherwise without stating upfront that a hire not involving an overnight stay is not covered. It really seems bizarre (but also calculating) - that car hires from a Car Hire Club overnight are covered and those that are not overnight are not. I fell foul of this technicality which even this company’s marketing team seemed unsure about when discussed on the phone. As usual this is an insurance company that will do whatever it can to avoid paying out. Just a note on the Claims process - it is extremely complicated - if you do need to claim you will have to register with the Davies Group (another company) who will require lots of verifiable documentation to proceed the claim - if you are missing anything at all you will not be able to claim and all technicalities are used to make the process as convoluted as possible. It is clearly designed to sap the will and encourage abandonment of any claim.

I have tried speaking to someone on the customer service team twice and both times my husband and I quite shocked by their attitude which comes across as rude and unhelpful. I’ve not been able to get any help with my claim or the info I need. Tried ringing their complaints line and got cut off- no one available. Where did all these good reviews come from?? Def don’t recommend.

Their price increase is getting steeper each year, and ridiculously, it's cheaper to buy from scratch than with their so-called "20% loyalty discount". When we queried this, they said, "The prices change daily, and we have no control". There was no apology, and they didn't offer to take the 20% loyalty discount off the "actual" cost of the cover, so it's truly nothing but a marketing trick. I advise turning off your auto-renew and shopping around each year.

I have had a terrible experienced. The communication for my claim has been atrocious. I never write reviews but thought it was worth sharing my experience as a warning to others.

I notified the insurer on the day of my accident 19 February, whilst in the ambulance. I followed the process and completed all the forms and shared my documentation as soon as I was discharged. BTW - I was told I could complete the form in the hospital waiting room, but they shared a PDF which I could not fill in on my phone - why not share a form?

I duly followed up on my return home, a few days latter as I hadn't received any updates since I'd made my claim via email. I was told by the advisor they were missing information. I reshared the missing information and was told the claim I should follow-up if I hadn't heard within 15 days. A week later I received an automated email asking for me to itemise my claim costs and also to share my bank details to be assessed by the claims then, and since then no further communications.

Today, 15 days later I followed-up on phone, only to be told the claim hadn't been processed as there was information missing - why they hadn't followed up to request this information was beyond me, but I was more dumbfounded that the travel information they were looking for was not required. They were waiting for flight details, and I had travelled by Le Shuttle - information I shared when I submitted the claim a month ago. Mistakes happen, but I found the advisor incredibly discompassionate. I have suffered a serious injury and the whole experience has been incredibly traumatising, but there was no acknowledgement of this in the way my case has been handled and the fact it will be over a month since I made my claim.

The advisor told me she'd escalate, but I have no hope and have been told I should need to wait another five working days to follow-up.

My biggest issue is I would have preferred to have been told up from the process could take X amount of days and asked for all the information up front, rather than spend my time chasing for an update alongside the multiple hospital appointments I have to attend. Luckily the policy I have for my health insurance is with Aviva and the experience has been like night and day.

I feel rather than providing me with peace of mind, but it's created more stress. This whole experienced with CoverFor You means I will never consider taking out a policy with this company again.