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Coverwise

★ 4.4

Coverwise is a UK travel insurance provider offering a range of cover levels for single trips and annual multi-trip travel.

Overview

Coverwise offers travel insurance with different policy levels, allowing travellers to choose between varying cover limits, excess amounts and included benefits.
Depending on the policy selected, cover may include emergency medical expenses, cancellation, baggage protection and other travel-related benefits.
Travellers should compare the level of cover carefully, as limits for cancellation, baggage, valuables and electronic devices can vary between policies.

✓ Different levels of cover: Coverwise offers a range of policy tiers, with cover limits, excess amounts and included benefits varying by the option selected.
✓ Emergency medical cover: Policies include cover for eligible emergency medical treatment and repatriation while travelling, subject to the selected policy terms.
✓ Cancellation cover: Limits vary by policy level, with higher amounts available on selected tiers.
✓ Baggage and belongings: Cover limits vary depending on the policy selected, with separate limits and conditions applying to valuables and individual items.
✓ Cruise travel: Selected policies may include cover for eligible cruise holidays, subject to the policy terms and exclusions.
✓ Sports and activities: Cover may be available for a range of eligible holiday activities, subject to the policy terms and any activity-specific conditions.
✓ UK trips: Selected cover may apply to eligible UK holidays that meet the policy requirements.
✓ Different excess levels: The excess payable can vary by policy tier, with lower excess options available on selected higher levels of cover.

✓ Coverwise offers a range of travel insurance policies for single trips and annual multi-trip travel.
✓ Depending on the policy selected, cover may include emergency medical expenses, cancellation, baggage protection and cover for eligible holiday activities.
✓ The provider may suit travellers looking for a choice of policy levels with different cover limits and excess amounts.
✓ Cover for valuables, electronic devices and certain travel disruptions can vary between policies, so travellers should check the relevant limits and exclusions carefully.
✓ Travellers should compare age limits, trip-duration rules, baggage limits, excess amounts and exclusions before buying.

Budget-conscious travellersSingle-trip holidaysAnnual multi-trip cover

✓ Emergency medical cover: Policies include cover for eligible emergency medical treatment and repatriation while travelling.
✓ Choice of policy levels: Travellers can compare options with different cover limits, excess amounts and included benefits.
✓ Cruise travel options: Selected policies may include cover for eligible cruise holidays, subject to the policy terms and exclusions.
✓ Sports and activities: Cover may be available for a range of eligible holiday activities, subject to any activity-specific conditions.
✓ Lower excess options: Selected higher-tier policies may offer a reduced or £0 excess across certain sections of cover.

• Electronic device cover: Mobile phones and other electronic devices may not be included automatically with every policy, so travellers should check whether additional cover is needed.
• Missed connections: Cover for missed connecting flights may be limited or excluded, particularly for separately booked travel arrangements.
• Annual policy age limits: Annual multi-trip cover may have a lower upper age limit than single-trip cover.
• Valuables and single-item limits: Baggage cover may include relatively low limits for individual valuable items, so travellers carrying expensive belongings should check the policy limits carefully.

✅ Who may want to consider Coverwise?
✅ Travellers looking for a choice of cover levels
Coverwise offers several policy options with different cover limits, excess amounts and included benefits.
✅ Travellers going on a cruise
Selected policies may include cover for eligible cruise holidays, subject to the policy terms and exclusions.
✅ Travellers taking part in holiday activities
Cover may be available for a range of eligible sports and activities, subject to any activity-specific conditions.
✅ Travellers looking for a lower policy excess
Selected higher-tier policies may offer a reduced or £0 excess across certain sections of cover.
✅ Travellers who value emergency medical cover
Policies include cover for eligible emergency medical treatment and repatriation, subject to the selected policy terms.
❌ Who may want to compare other options?
❌ Travellers carrying expensive electronic devices
Mobile phones and other electronic devices may not be included automatically with every policy, so additional cover may be needed.
❌ Older travellers looking for annual multi-trip cover
Annual policies may have a lower upper age limit than single-trip cover, so travellers should check current eligibility before buying.
❌ Travellers booking separate connecting flights
Cover for missed connections may be limited or excluded, particularly where flights or other travel arrangements are booked separately.

Are mobile phones and electronic devices covered?
Electronic devices may not be included automatically with every Coverwise policy. Travellers should check the baggage limits and whether additional gadget cover is needed for phones, smartwatches and other valuable devices.
Does Coverwise include cruise cover?
Cover for eligible cruise holidays may be available on selected policies. Travellers should check the current policy terms to understand which cruise-related events and benefits are included.
Is there an age limit for annual multi-trip cover?
Age limits can vary depending on the policy type selected. Annual multi-trip and single-trip policies may have different eligibility rules, so travellers should check the current terms before buying.
Are missed connecting flights covered?
Cover for missed connections may be limited or excluded, particularly where separate flights or other travel arrangements have been booked independently. Travellers should check the relevant policy wording before buying.
How long can I travel for on a single-trip policy?
Maximum trip duration can vary depending on the policy selected and the traveller's age. Travellers should check the current policy terms for the exact limit that applies.

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We are not an insurer or insurance broker. We do not provide regulated advice or personal recommendations.