CoverForYou travel insurance

Learn more about CoverForYou travel insurance

Last reviewed 26 May 2022.

Why choose CoverForYou travel insurance?

  • Easily manage your cover with the CoverForYou app
  • Plenty of optional extras
  • 3 levels of cover to choose from, Silver, Gold and Platinum

Silver is CoverForYou’s most basic travel insurance offering, Gold is the mid-range travel insurance product and Platinum gets you the highest level of cover.

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Who is CoverForYou travel insurance?

CoverForYou is a brand operated by World Wide Internet Insurance Services, a Gibraltar licensed insurance broker.

Set up in 2012, CoverForYou is an online travel insurance specialist that also offers gadget and car hire excess cover alongside its travel insurance offering.

CoverForYou has won some accolades over recent years, recognising the strength of its customer service and claims teams, including:

  • Best Travel Insurance Provider at the Insurance Choice Awards 2019
  • Best Claims Service at the Moneyfacts Consumer Awards 2020
  • Best Travel Insurance Provider 2022 at Forbes Advisor. It also clinched the award of Forbes Best Cover for Covid Related Risks 2022

CoverForYou is based in Welwyn Garden City, Hertfordshire, with around 50 staff members. CoverForYou travel insurance is underwritten by AXA.

CoverForYou travel insurance policy details

Here’s what you get with CoverForYou annual and single trip travel insurance policies:

Cancellation cover is included if you're forced to cancel your trip, including payments that you have to make for transport and accommodation.

Medical expenses are covered up to £15 million per claim.

Hospital benefit cover is only available with Gold and Platinum policies. It allows you to claim hospital benefit for any hospital stay on your trip. Hospital benefit isn’t available with CoverForYou’s Silver travel insurance.

With the Gold policy, you can claim £20 for each 24-hour period you spend in hospital, up to a limit of £500. With Platinum, it’s the same daily rate, but the cover limit goes up to £1,000.

Covid cover includes:

  • If you’re unable to travel due to contracting Covid either prior to travel or by being denied boarding at your departure
  • Should you become ill with Covid while abroad
  • You need to return home early due to a close relative passing away

Pet cover includes extra kennel or cattery fees if you’re hospitalised due to an accident or illness that's covered under the medical and other expenses section of your policy.

Personal accident is covered under Gold and Platinum policies. With Gold, you can claim a £10,000 pay-out in the event of either permanent total disablement or loss of limbs/sight.

Platinum allows you to claim up to £15,000 in each of these situations.

Baggage cover insures your belongings for accidental damage, loss and theft. Cover levels vary between Platinum, Gold and Silver policies.

You can also claim for delayed baggage when you have to wait over 12 hours to get your luggage back.

Personal money is also covered. With Platinum, you can claim up to £500 for accidental damage, theft and loss of personal money, while for Gold and Silver the cover limits are £300 and £200 respectively.

Personal Liability covers you for legal bills that arise in the event that you accidentally injure someone or damage their property while on holiday. Cover ranges from £1 million to £2 million depending on the policy you choose.

Delayed and Missed Departures means you can claim for delayed departures. This is up to £100 for Silver cover, £250 for Gold and £350 for Platinum.

Holiday abandonment can cover you should you have to abandon your holiday due to unforeseen circumstances.

Legal Expenses can be claimed up to £20,000 with the Platinum policy, £10,000 with Gold and £5,000 if you take out the Silver cover.

Airline Failure Cover allows you to claim up to £2,500 in the event that your scheduled airline goes bankrupt before or after departure.

Travel Mate App is available to all policy holders. The app gives you access to:

  • Policy Information
  • Emergency Numbers
  • Hospital Locations
  • Medical Translator
  • FCDO Guidance
  • Jet lag calculator
  • CoverForYou club

Policyholders also get access to exclusive member benefits:

  • Access to rewards and discounts from partners like ODEON, Gousto and Holiday Extras
  • A discount of up to 20% on your next CoverForYou travel insurance purchase
  • A chance to win holidays and event tickets

CoverForYou travel insurance optional extras

CoverForYou offers plenty of optional extras to cater for your particular trip and needs.

Winter sports cover insures you for:

  • Winter sports equipment
  • Winter sports hire
  • Lift Passes
  • Ski pack
  • Piste Closure
  • Avalanche and Landslide closure
  • Physiotherapy in the UK

Cruise travel insurance offers:

  • Medical expenses cover on ship
  • Unused excursions cover
  • Missed port cover
  • Optional confinement to cabin cover

Golf travel insurance provides:

  • Cover for lost, stolen or damaged golf equipment (owned or hired)
  • Non-refundable golf fees cover
  • Liability cover for golf buggies whilst in use

Wedding travel insurance offers:

  • Cover for lost, stolen or damaged clothing
  • Wedding gifts cover abroad
  • Protection for your ring if lost, stolen or damaged
  • Photos and digital recordings cover

Enhanced gadget travel insurance allows you to increase the amount of cover you get for gadgets as standard:

  • Covers any number of phones and gadgets
  • Theft, damage and loss
  • Unauthorised calls whilst abroad

Backpacker travel insurance can provide cover for:

  • Non-manual working holidays
  • Manual labour
  • Over 100 sports & activities
  • Out-of-area transit stops, up to 96 hours

CoverForYou travel insurance contact details


CoverForYou, 1st Floor, 6 Silver Court, Watchmead, Welwyn Garden City, AL7 1LT

Telephone: 0203 137 8981

Email:’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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