Many reviews describe claims being denied or delayed, along with emergency help that didn’t come through. Customers often mention slow replies, long phone waits, and arguments over exclusions. A smaller group reports quick, hassle-free settlements and satisfactory medical reimbursements. Very few comments mention the physical product, and those that do are positive.
Examples from available reviews (Nov 2021 – Mar 2026).
Assistance failed during medical emergency abroad; customer arranged treatment themselves.
“left us to completely fend for ourselves.”
Slow handling and poor communication led to prolonged claim resolution.
“Took 13 months to achieve payment of a claim and having to go through ombudsman.”
Missed port payout far lower than other insurers; customer service cold.
“All other insurers pay £150-£200, greatly disappointing.”
Long-term customer satisfied with easy claims and helpful service.
“you compensated me with both issues and made the stressful process very simple!”
Many reviews describe refused claims, rejections customers say were incorrect, and long waits for settlements. Several people say they had to escalate complaints or go to the ombudsman before getting paid. A smaller number report fast handling and straightforward payouts.
Many reviewers mention low or partial reimbursements, such as small cash payouts for stolen items or cover limited to an emergency travel document. Some also point to early renewal charges and loyalty discounts that didn’t help. Positive comments on value are rare.
Accounts split into two clear tracks: some describe simple claims with fast medical repayments, while more describe slow, stressful back-and-forth. Reviewers also say third-party partner integration problems stopped them from accessing services when they urgently needed them. Several mention admin hurdles, including requests for specific receipts.
Few reviews talk about the physical product, but the ones that do are positive, including at least one note of a perfect fit. Most feedback stays focused on insurance handling rather than how the product is made. In this sample, no one reports poor product quality.
Reviewers often describe weak communication, including no contact while abroad, long holds on the phone, and unclear claim progress. Some say they were first told they weren’t customers or got conflicting details about cover. A small number praise communication as clear and helpful.
Reviews split sharply between low ratings tied to denied claims and high ratings tied to easy reimbursements. Negative accounts focus on emergencies where help failed and disputes that dragged on; positive ones describe quick, low-effort settlements. This gap shapes the overall picture.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (30) · Collected.reviews (1) · Quotes shortened · As of: March 2026
Missed ports claim denied because policy excludes those reasons.
“they only accept weather conditions or timetable issues”
Only emergency travel document reimbursed; other expenses left unrecovered.
“All I was reimbursed for was the Emergency Travel Document(ETD).”
AXA integration failures prevented accessing doctor services when needed.
“Whatever has been integrated with AXA simply doesn't function.”
Company refused to pay a valid claim despite evidence.
“refuses to pay anything when you actually put a claim in.”
Assistance failed during medical emergency abroad; customer arranged treatment themselves.
“left us to completely fend for ourselves.”
Clear, simple claims process settled cancellation without hassle.
“Everything was reviewed and settled without any hassle.”
Slow handling and poor communication led to prolonged claim resolution.
“Took 13 months to achieve payment of a claim and having to go through ombudsman.”
Long-term customer satisfied with easy claims and helpful service.
“you compensated me with both issues and made the stressful process very simple!”
Claim initially rejected but later paid after complaint and review.
“my claim had been incorrectly rejected and they have now paid out!!”
Excess applied despite policy showing £0, requiring time to dispute.
“My policy clearly includes the Excess Waiver, showing £0 excess”
Claim handled promptly and helpfully; only the policy excess payable.
“all I had to pay was the excess of the policy.”
No contact from insurer while needing hospital care abroad.
“left me in thailand hanging.. with absolutely no contact to me”
Policy exclusions and receipt rules left many items undercompensated.
“ONLY pay out if you can show them the RECEIPTS!!”
Claim submitted in February still unsettled with no feedback.
“my claim from February has still not been settled”
Renewal payment taken seven days early and cost seemed excessive.
“will take travel insurance renewal payment *7 full days ahead*”
Missed port payout far lower than other insurers; customer service cold.
“All other insurers pay £150-£200, greatly disappointing.”
Claims handled poorly by AXA with long delays and obstacles.
“Really poor service.”
Claim denied before all paperwork was processed.
“My claim was denied even before they had all the paperwork 😡”
Company stalled claims repeatedly, causing stress and eventual cancellation.
“they stall and stall by sending out a response every week”
Covers arrived and fitted perfectly; reviewer very happy.
“perfect fit they are better than I thought they would be”
Emergency hotline was inaccessible and costly while abroad.
“I spent over 30 minutes on hold, wasted more than £20 trying to reach you”
Policy refused due to ongoing medical tests, no exclusion options offered.
“They offer no options for purchasing travel insurance when ongoing medical tests are involved”
Enjoyable experience, simple claims process with quick medical reimbursement.
“No hassle, just paid the medical bills back quickly with no fuss.”
Initially told they were not customers, then coverage confirmed.
“we've been told that we're not a customer”
Claim denied for travel disruption as that benefit wasn't purchased.
“you have not purchased the travel disruption benefit.”
Offered low compensation for stolen headphones inconsistent with market value.
“changed this to a monetary compensation of £72.00.”
Marketing misled on car-hire excess cover; small-print exclusions applied.
“unless you have stayed overnight somewhere your policy is invalid.”
Customer service rude and unhelpful; claim assistance unavailable.
“quite shocked by their attitude which comes across as rude and unhelpful.”
Loyalty discount ineffective; renewing is more expensive than new purchase.
“it's cheaper to buy from scratch than with their so-called "20% loyalty discount”
Poor communication and slow claims handling after a serious injury.
“The communication for my claim has been atrocious.”
Services of CoverForYou.com is highly recommended. I usually don't write reviews, but writing this one seemed quite reasonable. My review for this insurance business is based on my recent experiences with them during couple of travels abroad. Ever since the COVID-19 pandemic, my tour plans had been going haywire. Being a business professional, travels were part and parcel of my profile. Flight schedules having become uncertain, i had to prepare flying at very short notices sometimes. CoverForYou Travel Insurance came quite handy each time with hassle free procedures. I didn't have to bother about the travel insurance part at least. Will continue future Insurances as well with them.
This page combines submitted experiences with public reviews from platforms such as Google, Trustpilot, etc. Recurring points are summarised without changing the content of reviews.
CoverForYou is a UK travel insurance provider and broker. It offers single-trip and annual multi-trip policies, with optional add-ons such as winter sports and car-hire excess cover. Policies usually include medical, cancellation, and baggage cover, plus help with emergency travel documents. Customers can use an emergency helpline and a claims process to request reimbursements while abroad.