Coverwise Travel Insurance Reviews:
Whether you’re staying in Europe or have global travel on your itinerary, Coverwise Travel Insurance is a well-known UK travel insurer. Traffic Cameras appreciate that all plans come with standard baggage coverage. You can add Travel Disruption to a Silver or Gold plan for about £17 more if you want extra coverage for things like volcanic ash and hurricanes (vs. buying from a comparison site). Exceptionally affordable from a specialized travel insurance provider, but no coverage for cell phones
Favorable for:
- All plans include personal belongings and baggage coverage
Poor for:
- Insurance for senior travelers (max age 75 for Single Trips, 65 for Multi-Trip Plans)
- Securing your cell phone
- Lower tiers do not offer catastrophe, travel delay, or travel disruption coverage.
Review of Coverwise Travel Insurance: What You Should Know
Standard, Bronze, Silver, and Gold are the four levels of annual and single-trip travel insurance offered by Coverwise. Either directly from Coverwise’s website or through a comparison website, customers can purchase Coverwise.
The following are some distinctions between direct purchases and purchases made through comparison websites:
- The Gold plan is only available directly from the Coverwise website. The travel disruption add-on is only available on Silver and Gold plans when purchased directly from the Coverwise website. Prices from comparison sites are typically less expensive, but coverage may be less.
- All policies include trip cancellation, emergency medical, legal assistance, personal accident, and personal belongings/baggage. Trip Delays, Missed Departure and Abandonment, Catastrophes, and Baggage Delay are also covered by Silver and Gold policies. Travel Disruption Cover is an additional charge on Silver and Gold plans when purchasing directly.
- Winter Sports can be added to all insurance tiers for skiers and snowboarders for a fee. All plans include coverage for trips that include a cruise as standard coverage. However, we don’t see any provisions for specific covers, such as cabin confinement, that you might find on some specialized Cruise protection add-ons.
Are Cell Phones Included?
Coverwise plans do not include coverage for mobile phones. However, suppose you already have coverage for gadgets (such as mobile phones, iPads, and laptops) through the Contents cover of your home insurance policy. In that case, this might not be a problem for you. Alternatively, you can purchase a policy and add the optional Gadget cover. However, you are only protected for up to £1,000. Get quotes for travel insurance plans with higher Gadget Covers Limits, such as: £1,000, £2,000, or £3,000 of Total Gadget.
Does Coverwise Travel Insurance cover UK trips?
Coverwise Trip policies cover vacations in the UK if you have reserved at least one night of lodging in a hotel.
Previous Conditions:
Suppose you have a medical condition or have had to undergo prescribed medication, surgery, treatment, tests, or investigations within five years before the policy purchase date. In that case, you will be asked to disclose it as part of the online application process. If so, Coverwise might be able to provide coverage for some conditions that are considered pre-existing and for which you would typically have to pay a higher premium. Only pre-existing conditions fully disclosed, accepted, and paid for are covered.
Over 65s: The minimum age requirement for travelers on Coverwise’s Annual Multi-Trip policies is 65; for a Single Trip, the minimum is 75.
Comparison of Coverwise Prices:
Our data analysis revealed that the cost of Coverwise Annual Multi-Trip travel insurance purchased directly was significantly less than the industry standard. Although less so than their Multi-Trip plans, Coverwise prices were still affordable for Single Trip plans. Depending on how far in advance of the date of travel they are purchased, Single Trip plan premiums can vary quite a bit. For example, when purchasing last-minute, you’ll typically pay less because there is less risk of a pre-trip Cancellation. Also check Looking For M180 Traffic News?
Cost of Additional Charges:
Silver and Gold plans can add Travel Disruption cover for about £17 for Annual, Multi-Trip plans and less than £10 for Single Trips. Coverwise’s travel insurance plans can add Winter Sports for an additional fee. For a 30-year-old person, we’ve gathered Winter Sports quotes from different regions and types of policies to give you an idea of how much this travel insurance add-on will cost.
Type |
Geography | Coverwise Plan | Winter Sports Add-On Cost |
| Multi-trip | Europe | Standard | £20 |
| Bronze | £23 | ||
| Silver | £27 | ||
| Gold | £65 | ||
| Worldwide ex USA, Canada & the Caribbean | Standard | £6 | |
| Bronze | £8 | ||
| Silver | £28 | ||
| Gold | £112 | ||
| Worldwide | Standard | £26 | |
| Bronze | £32 | ||
| Silver | £38 | ||
| Gold | £135 | ||
| Single Trip | Europe | Standard | £4 |
| Bronze | £3 | ||
| Silver | £5 | ||
| Gold | £6 | ||
| Worldwide ex USA, Canada & the Caribbean | Standard | £55 | |
| Bronze | £85 | ||
| Silver | £109 | ||
| Gold | £124 | ||
| Worldwide | Standard | £80 | |
| Bronze | £123 | ||
| Silver | £157 | ||
| Gold | £173 |
We also obtained quotes for Coverwise plans for families of four; these plans cost, on average, twice as much as those for individuals (basically, kids go free). You can see below how direct insurance prices for a family of four vary by geographic regions like Europe and America and by policy type. A comparison website should offer slightly cheaper prices.
How much will a family of four pay for Coverwise travel insurance?
Type |
Geography | Coverwise Plan | Family of Four Premium | Winter Sports Add-On Cost | Family of Four Total Premium, incl. Winter Sports |
| Multi-trip | Europe | Standard | £23 | £68 | £91 |
| Bronze | £24 | £90 | £115 | ||
| Silver | £45 | £90 | £134 | ||
| Gold | £87 | £174 | £261 | ||
| Worldwide ex USA, Canada & the Caribbean | Standard | £54 | £109 | £164 | |
| Bronze | £60 | £146 | £206 | ||
| Silver | £80 | £161 | £241 | ||
| Gold | £155 | £312 | £468 | ||
| Worldwide | Standard | £67 | £134 | £200 | |
| Bronze | £74 | £178 | £252 | ||
| Silver | £98 | £197 | £295 | ||
| Gold | £190 | £383 | £573 | ||
| Single Trip | Europe | Standard | £25 | £99 | £124 |
| Bronze | £35 | £143 | £177 | ||
| Silver | £45 | £189 | £234 | ||
| Gold | £51 | £216 | £267 | ||
| Worldwide ex USA, Canada & the Caribbean | Standard | £31 | £126 | £157 | |
| Bronze | £43 | £182 | £225 | ||
| Silver | £56 | £241 | £297 | ||
| Gold | £63 | £275 | £339 | ||
| Worldwide | Standard | £64 | £154 | £217 | |
| Bronze | £70 | £242 | £312 | ||
| Silver | £116 | £297 | £413 | ||
| Gold | £87 | £384 | £471 |
Significant Qualities:
Here are a few of the standout features of Coverwise’s travel insurance plans.
Features of Coverwise Travel Insurance:
All plans of travel costs if you need to postpone or cancel a trip for a valid reason, such as death or illness, job loss, property damage, or legal proceedings.
- Travel time lag:
For every full 12-hour delay, up to £100 (Silver), £300 (Gold), or £350 (Platinum) is paid as £20. If you want coverage for volcanic ash and storms, purchase the optional Travel Disruption add-on. It does not include recoverable costs from the public transportation provider, for which you will receive compensation, damages, and communication facilities.
2. Travel Disruption:
An optional Silver, Gold, or Platinum add-on when purchasing directly; Extends the benefits under the Cancellation, Departure Delay, and Missed Departure coverage to cover travel, lodging, and some pre-paid expenses as a result of earthquakes, explosions, avalanches, tsunamis, volcanic eruptions, or clouds of volcanic ash; your lodging provider’s or their booking agents’ insolvency; a place of residence that is uninhabitable due to a food poisoning or infectious disease outbreak; denied boarding because the airline overbooked your flights
if you need to relocate because of a fire, flood, earthquake, volcanic eruption, explosion, tsunami, landslide, avalanche, hurricane, storm, or an outbreak of food poisoning or an infectious disease that prevents you from using your reserved accommodations, the Gold plans will reimburse you up to £1,000 for reasonable additional lodging and transportation costs up to the standard of your original booking; You must obtain written confirmation that you were unable to use your accommodations and the reason why from the accommodation’s provider, the local police, or the appropriate authority, at your own cost; Absent from lower tier plans. Also check A64 Traffic News, Cameras Updates,
3. Cruise:
There is no cruise-specific coverage for events like cabin confinement.
4. Snow Sports:
Available on all plans as an optional extra protection for a maximum of 17 days per policy term (Annual, Multi-Trip plans)
5. Personal Items and Baggage:
Limits on single items/valuables of £200 or £300; personal belongings and baggage coverage included on all policies, up to £1,000 (Standard) or £3,500 (Platinum); restrictions on leaving items or luggage in a car unattended.
6. Scuba Diving:
Subject to certain qualification and supervision requirements, up to 20 or 35 meters of scuba diving is covered.
7. Insolvency:
When purchasing directly, Silver and Gold plans have an optional Travel Disruption add-on that covers the insolvency of lodging providers or their booking agents.
Travel Insurance Coverwise Policy Types:
Standard, Bronze, Silver, and Gold are the four travel insurance tiers offered by Coverwise. All are offered as annual, multi-trip policies or for single trips:
Single-trip travel insurance covers excursions abroad for up to 365 days.
Annual Multi-Trip policies offer unlimited coverage for as many trips as you need, each lasting up to 24 or 31 days. Subject to underwriter approval, you can extend the maximum trip duration for an additional fee.
Standard Travel Insurance from Coverwise:
The entry-level travel insurance option from Coverwise is called the standard plan. Up to £20 million in emergency medical costs are covered. You receive up to £1,000 in trip cancellation and personal belongings insurance per insured person. Abandonment, missed departure, and delayed departure are not covered. If you plan skiing or snowboarding, you can add winter sports coverage. A device cover is not required.
Travel Insurance Bronze from Coverwise:
Bronze plans offer slightly higher levels of coverage for some categories, such as cancellation and baggage (£1,500 and £1,750, respectively), compared to standard plans. Winter sports are optional; no abandonment, missed, or delayed departure coverage is still available. A device cover is not required.
Travel insurance Silver Coverwise:
Longer trip lengths (31 days) for Annual plans, higher limits, and the addition of Abandonment, Missed Departure, and Delayed Departure are all included in Silver policies. You will receive coverage up to £400 for Baggage Delay in addition to the features of the Bronze plans. Suppose you purchase a Silver plan directly from the provider. In that case, you can add the Travel Disruption add-on, which extends benefits to cover the event of volcanic ash clouds, tsunamis, hurricanes, or storms. Gadget and travel disruption are optional, as are winter sports.
Coverwise Gold Travel Insurance:
Their most expensive travel insurance option, Coverwise Gold, has the highest cover limits per person. With this plan, you’ll receive the highest coverage levels if the Gold premium is within your price range. You will receive additional coverage, such as catastrophe coverage up to £1,000, in addition to the features of the Silver plans. Winter sports are not required. Optional coverage includes Gadget and Travel Disruption (which can increase your limit for issues like catastrophes).
The optional Travel Disruption add-on for Silver, Gold, and Platinum policies extends benefits to cover travel, lodging, and some pre-paid charges. Standard Plus, Silver Plus, and Platinum tiers have also been added. The main characteristics of Standard, Bronze, Silver, and Gold policies are highlighted below.
Coverwise Cover Limits and Excess Amounts:
| From the Coverwise website | Standard | Bronze | Silver | Gold |
| Medical Expenses | £20,000,000 | 20,000,000 | £20,000,000 | £20,000,000 |
| Cancellation | £1,000 | £1,500 | £2,000 | £3,000 |
| Baggage | £1,000 | £1,750 | £1,750 | £2,000 |
| Abandonment | n/a | n/a | £2,000 | £3,000 |
| Missed Departure | n/a | n/a | £1,000 | £1,000 |
| Delayed Departure | n/a | n/a | £100 | £300 |
| Personal Accident | £10,000 | 10,000 | £10,000 | £20,000 |
| Personal Liability | £2,000,000 | 2,000,000 | £2,000,000 | £2,000,000 |
| Passport & Visas | £500 | 500 | £500 | £600 |
| Excess | £125/200 | £100/200 | £50 | £50 |
Comparing Coverwise Travel Insurance to Its Rivals:
To fully appreciate its value, you must consider Coverwise travel insurance in the context of other options. We contrasted it with competing plans so you can see which might be more suited to your needs.
Comparing Coverwise and Admiral Travel insurance:
Another reliable provider of travel insurance is Admiral. Our favorite feature about their plans is the option to include £1,000 in gadget coverage. Additionally, Admiral’s top-tier Gold and Platinum plans include a Catastrophe cover to act as a financial safety net.
Comparing Sainsbury’s and Coverwise travel insurance:
When purchased via a comparison website, Sainsbury’s travel insurance offers respectable rates for good travel coverage. Baggage, cancellation, and emergency medical coverage are all included in all plans. However, you also get scheduled airline failure, a delayed departure, and trip abandonment. You might profit from longer-than-average trip lengths if you take a long vacation.
Comparison of Coverwise and Insure & Go Travel Insurance:
Another travel insurance expert offering affordable vacation coverage is Insure & Go. Prices for a single trip to Europe start at about £5, with cancellation cover ranging from £1,000 to £10,000 and baggage from £750 to £3,000. Emergency Medical coverage ranges from unlimited to £5 million on top-tier plans. The Valuables extension upgrade, which starts at £5.90 and provides £1k or £2k of valuables cover, may be helpful if you want more protection for electronics like mobile phones and laptops.
