Reviewers often say Coverwise is easy to buy from online, with clear quotes and competitive prices. Many also mention friendly, knowledgeable phone staff who talk through cover options. Another set of reviews describes long claim delays, repeated requests for paperwork, and claims being refused. Those complaints about claims sit in stark contrast to the strong feedback on buying and pre‑sale support.
Examples from available reviews (Dec 2021 – Feb 2026).
The process was quick, fast and straightforward.
“Quick, fast and straightforward process.”
They provided a great policy at a good price.
“A great policy for a good price”
My claim was ignored for months despite evidence and escalated to the Ombudsman.
“My claim with Coverwise (underwritten by AXA) was ignored for months”
Claim repeatedly delayed and requests ignored, no payout expected.
“Constantly ignoring information, requesting multiple times the same information.”
Many describe pre‑sale and renewal contact as quick and helpful. The main negative theme is claims, with reviews citing long assessment times, repeated document requests, and outright refusals. Several low‑rating reviews mention escalations and cases that still were not resolved.
Many customers point to low premiums and competitive quotes when buying. Reviews often describe good value holiday insurance and mention reducing cover to cut premiums. Only a small number criticise the price.
The website and online quote journey are repeatedly described as fast, straightforward, and easy to use. Customers mention instant quotes and simple amendment or cancellation steps. Ease of use comes through as a steady positive.
Fewer reviews talk about cover details and how the product performs than about service and usability. Some call the insurance reliable and suitable for older travellers, while a smaller group report claim refusals linked to specific exclusions. Overall, product comments tend to sit behind experiences with service and claims.
Phone staff often get praise for being friendly, knowledgeable, and clear when explaining cover. By contrast, claim communication is criticised for overlooking information already provided, poor phone audio, and abrupt calls. The warmer feedback mainly relates to sales and policy changes, while complaints focus on post‑claim contact.
Feedback splits between smooth purchases and difficult claim results. Positive ratings centre on easy buying, value, and helpful staff. Negative ratings focus on drawn‑out claims, frequent paperwork requests, and payouts being refused.
For each review, the core experience based on original source reviews.
Sources: Trustpilot (40) · Reviews (20) · Reviews (1) · Quotes shortened · As of: February 2026
I have always had a great experience and will continue using them.
“Always a great experience using this company for our travel insurance.”
Everything was smooth and on time.
“Excellent Everything was smooth and on time”
Amendments and cancellation were extremely straightforward and easy to perform.
“incredibly straightforward to cancel renewal”
Bethany was helpful, answered questions and returned my call.
“Bethany was so helpful and answered all my questions”
The reviewer says the company seeks reasons to decline claims and shows no compassion.
“This company will do anything and find anything no matter how insignificant!”
They warn potential customers not to use Coverwise if they want claims honoured.
“If you want your claim honoured then do not use Coverwise insurance !”
After cancelling due to health news, Coverwise allegedly tried to decline the claim.
“do your upmost to decline my claim !”
They refused a missed-flight claim for £200 due to lack of a doctor's note.
“they won’t pay out on the basis that I can’t provide a doctors note.”
They were unhelpful, found policy loopholes and refused to pay claims.
“They will find every loophole and T&Cs not to pay the claim.”
They denied a mental health claim despite psychiatrist evidence and missed complaint deadlines.
“they have missed the legal eight-week deadline to resolve my complaint”
Claim repeatedly delayed and requests ignored, no payout expected.
“Constantly ignoring information, requesting multiple times the same information.”
Claim denied for alleged undeclared pre-existing conditions despite explanation.
“A bereavement is NOT a pre existing medical condition.”
Claim refused without reason and customer service was poor.
“Terrible customer service.”
Holiday cancellation for home flood was not covered by policy.
“this isn’t covered”
Coverwise acts as broker and refers claims to AXA, who denied claim.
“Coverwise do not provide the cover, only broker service”
Claim stuck in assessment and review cycles for over a month.
“Very bad experience with the claim”
Claim rejected for minor past rash and customer communication was poor.
“they are rude, speak over you”
Phone calls had poor audio and staff gave unhelpful responses.
“there was very loud electrical interference on the line constantly throughout the call”
No claim updates for three months and delays continue.
“it has been 3 months and I’ve had no update on my claim”
Claim for checked-in lost luggage denied due to policy exclusion.
“they do not pay out on luggage that has been checked into your airline.”
We are writing this review because we want EVERYONE to know about the great experience we had at Coverwise. We had no idea that we would need a travel insurance, but we were so glad that we purchased our Cover Insurance from this company. It was easy to apply for and a good value for the price. We plan on using it in the future and have already recommended it to our family and friends. Anytime you want a travel cover, be it individual or group, this is the company to head to. Saying they’re nice is an understatement. At times we lack words to describe them. We highly recommend the company!
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.
Coverwise runs an online travel and holiday insurance platform in the UK. It provides instant online quotes and sends policy documents electronically. Customers can call Coverwise for changes, renewals, and enquiries. Policies usually cover holiday-related risks and set out excesses, limits, and exclusions in the policy documents.