Coverwise travel insurance

Learn more about Coverwise travel insurance

Last reviewed 09 June 2022.

Why choose Coverwise travel Insurance?

  • Coronavirus cancellation cover as standard
  • £20,000 emergency medical expenses cover
  • 24/7 medical assistance provided

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Who is coverwise?

Coverwise is a travel insurance expert headquartered in Gibraltar. It's regulated by this British Overseas Territory’s Financial Services Commission, and has been since 2010. Its UK base is in Worthing, West Sussex.

The company focuses on travel insurance policies that are backed by AXA, but also offers breakdown cover and business travel insurance.

Coverwise travel insurance policies have been scrutinised by independent financial analyst Defaqto, which awarded the broker’s top products, Platinum and Gold achieving five stars for product quality.

Consumer finance group Fairer Finance has also rated the Coverwise Platinum policy five stars, with the Gold policy getting four stars for quality.

On customer experience, the broker rates 23 out of 39 providers with an overall score of 54%.

Many customers have given Coverwise their seal of approval. The broker’s rated ‘excellent’ by Trustpilot, based on more than 53,000 reviews.

Coverwise travel insurance policy details

Coverwise offers both single-trip and multi-trip travel insurance, with five levels to choose from:

  • Standard
  • Bronze
  • Silver
  • Gold
  • Platinum

Their Standard cover level includes:

  • Excess: £125
  • Emergency medical expenses: £20 million.
  • Cancellation and curtailment: £1,000.
  • Infants born abroad: £150,000 if child is born in Canada, Caribbean or the USA. £75,000 elsewhere.
  • Emergency dental treatment: £1,000.
  • Hospital benefits:£30 for every 24 hours in hospital or quarantine, up to £2000.
  • New Zealand disability: £200 a week if you’re left temporarily disabled following an accident on New Zealand roads.
  • Personal accident: Up to £10,000 for serious, permanent injury, or death.
  • Baggage: Up to £1,000 for lost, stolen or damaged or stolen luggage.
  • Single item limit: £200 for single item, pair or set.
  • Personal money: £200 for money lost, or £50 if under 16.
  • Passport and documents: £100 for lost documents, and up to £400 for extra travel and accommodation fees while you arrange a replacement passport.
  • Personal liability: Up to £2 million.
  • Legal assistance: Up to £50,000 for civil action if you’re harmed or killed, per person, up to £100,000.

Coverwise's other cover levels come with everything included with their standard cover option, plus some added extras.

Bronze cover adds in:

  • Lower excess:£100
  • Cancellation and curtailment: £1,500.
  • Baggage cover: £1,750.
  • Passport and documents cover: £150 for claims, £350 for travel and accommodation costs.

Silver policies include all the above, plus:

  • Lower excess: £50
  • Cancellation and curtailment: £2,000.
  • Personal accident: £20,000 for injury, £10,000 for death.
  • Baggage replacement: £200 if your baggage is lost for 12 hours, £400 for 24 hours.
  • Delayed departure: £20 per each 12 hours departure is delayed, up to £200.
  • Abandonment: £2,000 for travel and accommodation costs if your journey is delayed by over 12 hours.
  • Missed departure: £1,000 for extra accommodation and travel costs incurred if miss your connection.

Gold includes all of the above, plus:

  • Cancellation and curtailment: £3,000.
  • Personal accident cover: £20,000.
  • Baggage cover: £2,000.
  • Single item limit: £200 for single item, pair or set, £300 for all valuables.
  • Passport and document cover: £300 for lost documents, £300 while arranging replacement passport or visa.
  • Delayed departure cover: £20 per each 12 hour delay up to £300.
  • Abandonment cover: £3,000 if your journey is delayed by over 12 hours.
  • Kennel and cattery fees: £50 for every 24 hours, up to £200, for extra fees incurred due to a delay caused by your injury, illness or disease.

Platinum is Coverwise’s highest level of cover, and includes all of the above plus:

  • Cancellation and curtailment: £6,000.
  • Hospital benefits: £30 for every 24 hours in hospital or quarantine, up to £2,000.
  • Personal accident cover: £30,000.
  • New Zealand disability: £250 a week.
  • Baggage cover: £3,500.
  • strong>Single item limit: £300 for single item, pair or a set, and £500 total.
  • Personal money cover: £350, or £50 for under 16s.
  • Passport and document cover: £150 for lost documents and £500 for costs associated with arranging a replacement passport.
  • Delayed departure cover: £35 after a 12-hour delay, and £20 for each subsequent 12-hour delay, up to £350.
  • Abandonment cover: £6,000 for delays over 12 hours.
  • Kennel and cattery fees: £50 for every 24 hours, up to £250.

Coverwise travel insurance optional extras

Coverwise offers two extra types of cover which can be paid for separately. These are:

Pre-existing medical conditions: This insurance covers specific pre-existing medical conditions that might otherwise not be protected should you need to claim.

Annual car hire excess insurance: While your hire car will be ensured, the excess you’d need to pay if you claim can be high. Car hire excess insurance will cover that unwanted cost.

You can also pay extra to protect yourself from financial loss stemming from problems with or caused by any of the following:

  • Ski equipment (owned)
  • Ski equipment (hired)
  • Ski packs (including unused ski lift and lessons)
  • Piste closure
  • Avalanche or landslide
  • Scheduled airline failure
  • UK physiotherapy bills
  • Hijack
  • Catastrophe (e.g. earthquake or volcanic eruption)
  • Mugging
  • Travel disruption (e.g. volcanic ash)

Coverwise travel insurance contact details

If you’d like to contact Coverwise about its travel insurance you can write to its UK headquarters at:

The Operations Manager,
4th Floor,
Southfield House,
11 Liverpool Gardens,
West Sussex,
BN11 1RY

Alternatively, you can call Coverwise sales and service department on 01903 255 650 or 0330 024 8315 for claims.

Coverwise can also be contacted via email at, or you can visit their website.’s Travel Insurance solution is provided by is a trading style of Investment Discounts On-Line Ltd and is authorised and regulated by the Financial Conduct Authority. Registered office; Investment Discounts On-Line Ltd, One Coleman Street, London, EC2R 5AA. Registered in England no: 04231834. is part of the Legal & General group.

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