I have great piece of mind when I use XCover. I have been unfortunate enough to file a claim in the past, but it was an easy process. Apart from taking and uploading photos of the product, I didn’t ha... See more
While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more
To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more
Review summary
Created with AI, based on recent reviews
What people talk about most
Reviews shaping this summary
At the high cost of flying and hotels, having insurance in case of an emergency can safe you tons of money. Sure enough, we needed to cancel a trip as a family member ended up in the hospital. Having... See more
I was skeptical about buying this insurance because I thought I'd be able to make this event, but something told me I should get it just in case. I ended up needing an emergency root canal two days pr... See more
The directions were simple. I can't mention the coverage or customer service but it was easy to set up an account.
Company details
Written by the company
XCover makes insurance simple, fast, and stress-free - which is why millions of global customers trust us to protect the things they love and do. Our worldwide, follow-the-sun support is right here when you need a helping hand - anywhere, any time. When it comes to claims, no one likes to wait. We've replaced snail mail and paper trails with an easy online process and instant payments. You can trust us, as we are backed by some of the world’s largest insurers.
Contact info
Sydney, Australia
- xcover.com
4.5
Excellent
68K reviews
Replied to 97% of negative reviews
Typically replies within 48 hours
How this company uses Trustpilot
See how their reviews and ratings are sourced, scored, and moderated.
Yet to be tested
12 May 2026
Unprompted review
Fast and easy to do
12 May 2026
Unprompted review
Clear instructions and fast delivery
Clear instructions and fast delivery. Thanks
12 May 2026
Unprompted review
Unable to enter telephone number
12 May 2026
Unprompted review
Very disappointing experience with this…
Very disappointing experience with this travel insurance service.
It has now been more than one month since I opened my request (reference number: 6946086) and provided all the documents they asked for. Despite this, nobody seriously took care of my case and I still have not received any real assistance.
According to the travel insurance coverage linked to my payment card, I should normally benefit from protection in case of trip cancellation due to health issues. However, until today, I have received neither proper support nor any refund as promised by their policy.
Communication has been slow, confusing, and highly unprofessional. I was repeatedly asked for documents that were either already provided or not even applicable to my situation.
Based on my experience, I would strongly encourage consumers to consider other insurance providers that offer clearer procedures, faster assistance, and more professional customer support.
12 May 2026
Unprompted review
Reply from XCover.com
Hi Silvio,
Thanks for your feedback, we’d like to look into this properly.
We weren’t able to locate your case based on the details here. Please contact us via our support form (https://www.xcover.com/en-us/contact-us) and include reference TP-7084560 so we can link your request to this review.
To help us find your policy quickly, you can include one of the following:
– Policy or booking reference (ending in INS)
– Partner reference number
– Email used at purchase
Once we have this, we’ll review your case and follow up.
The XCover Team
Good service
12 May 2026
Unprompted review
Really pleased I took this out as at…
Really pleased I took this out as at the time I didn’t know I needed surgery!
12 May 2026
Unprompted review
Hasel free cover for first day payment…
Hasel free cover for first day payment date to my return home day
date.
9 May 2026
Unprompted review
Highly recommend XCover for event protection insurance
Highly recommend XCover for insurance. Unfortunately I need surgery and can not take part in my event. It was so easy to make a claim. Just upload the supporting evidence. Within a few days I was notified my request was successful and my full entry fee was returned into my account within hours! Fantastic service, quick and easy. Thank you.
12 May 2026
Unprompted review
The process was brief
The process was brief, their judgment was fair, and the speed was exceptionally fast.
11 May 2026
Unprompted review
Avoiding finalizing my claim
As of now, I have submitted all of my documents yet they continue to send me emails saying action required. However, it does not specify which action is required, and when I review my claim, all documents have been submitted. I believe they are attempting to avoid payment by sending vague messages like this, and there is no customer service or live chat. I am frustrated to say the least.
Xcover responds to every review, yet they will not respond to any inquiries on their website. They will promptly submit an auto response to negative reviews but once you try to get in touch with them based on their requests, it is silent. I believe they do this so it seems as though they are willing to remedy the situation when that is not the case.
10 May 2026
Unprompted review
Reply from XCover.com
Hi Nicole,
Thanks for your feedback, we’d like to look into this properly.
We weren’t able to locate your case based on the details here. Please contact us via our support form (https://www.xcover.com/en-us/contact-us) and include reference TP-7083637 so we can link your request to this review.
To help us find your policy quickly, you can include one of the following:
– Policy or booking reference (ending in INS)
– Partner reference number
– Email used at purchase
Once we have this, we’ll review your case and follow up.
The XCover Team
Good service.
10 May 2026
Unprompted review
Easy to set up
12 May 2026
Unprompted review
The Trustpilot Experience
Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.
Companies can ask for reviews via automatic invitations. Labeled Verified, they’re about genuine experiences.
Learn more about other kinds of reviews.
We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.
Learn about Trustpilot’s review process.
Here are 8 tips for writing great reviews.
Verification can help ensure real people are writing the reviews you read on Trustpilot.
Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.