In this independent travel insurance review, we take a look at CoverForYou travel insurance including what it covers and how much it costs. We recommend reading the review in full however you can jump to specific sections of the article using the following links:
- What is CoverForYou travel insurance?
- CoverForYou travel insurance key features
- CoverForYou travel insurance policies
- What does CoverForYou travel insurance cover?
- Does CoverForYou travel insurance cover covid-19?
- Does CoverForYou travel insurance cover pre-existing medical conditions?
- Is there an age limit on a CoverForYou travel insurance policy?
- How much does CoverForYou travel insurance cost?
- CoverForYou travel insurance policy excess
- How to claim on CoverForYou travel insurance
- CoverForYou travel insurance customer reviews
- CoverForYou travel insurance pros and cons
- Alternatives to CoverForYou travel insurance
- Summary
What is CoverForYou travel insurance?
CoverForYou describes itself as an online insurance specialist and offers gadget and car hire excess insurance as well as travel insurance policies. CoverForYou travel insurance is sold and administered by Worldwide Internet Insurance Services Ltd and the travel insurance policies are underwritten by AXA Insurance UK plc. CoverForYou has insured over 8 million people and its Platinum policy has a 5-star Defaqto rating.
CoverForYou travel insurance key features
- Loyalty discount scheme
- 5 star Defaqto rating with some policies
- No policy excess on any policy
- TravelMate app
- Coronavirus cover
- 24-hour emergency medical helpline
CoverForYou travel insurance policies
In this section, we briefly explain the travel insurance policies you can purchase from CoverForYou. More information on the cover you can get with each policy can be found here.
Single Trip
Single trip travel insurance is designed to cover the cost of a single trip abroad for an individual, couple or family for up to 12 months. A family is considered as 2 adults and up to 9 children under the age of 18. Single trip travel insurance is better for those that do not travel often, those that travel more than twice a year may benefit from an annual multi-trip policy.
Annual multi-trip
Annual multi-trip travel insurance is designed to cover multiple trips in a policy year and can be a more cost-effective option than multiple single trip policies. Whilst CoverForYou's annual multi-trip travel insurance policies will insure multiple trips in a year, there is a maximum limit of 62 days per trip depending on the travel insurance policy you choose. You can get annual multi-trip travel insurance as an individual, couple or family.
Backpacker
Backpacker travel insurance is good for trips that are going to last for a long time, typically over a year, and may be suitable for those wishing to take a gap year. CoverForYou's backpacker travel insurance will cover a trip for up to 18 months and includes a range of cover for sports and activities whilst you are away. You may also have the option to add extreme sports cover for activities such as skydiving.
What does CoverForYou travel insurance cover?
In the below comparison table, we highlight the key levels of cover you can expect with a CoverForYou travel insurance policy. This list is not extensive and you may also benefit from cover for delays, personal money and documents depending on the policy you choose. There is also the opportunity to tailor your policy to suit your trip and add on the following additional cover:
- Winter Sports cover
- Cruise cover
- Business cover
- Wedding cover
- Gadget cover
- Golf cover
- Travel disruption cover
More information on the additional cover available can be found later in this article.
CoverForYou travel insurance policy comparison
| Silver | Gold | Platinum | |
| Policy excess | £0 | £0 | £0 |
| Emergency medical expenses | £15m | £15m | £15m |
| Cancellation/Curtailment | £2,000 | £5,000 | £7,500 |
| Personal baggage | £1,000 | £2,000 | £3,000 |
| Scheduled airline failure | £2,500 | £2,500 | £2,500 |
| End Supplier faillure |  |
|
£2,500 |
| Holiday abandonment | £2,000 | £5,000 | £7,500 |
| Gadget cover | £500 | £750 | £750 |
| Hijacking | £1,500 | £2,000 | £2,500 |
| Legal expenses | £5,000 | £10,000 | £20,000 |
| Personal accident | |
£10,000 | £15,000 |
| Personal liability | £1m | £1.5m | £2m |
Winter Sports cover
If you are travelling on a winter sports trip you will need to add winter sports cover to your travel insurance policy which will come at an additional cost. Winter Sports cover insures claims specific to winter sports and not having the add-on on your policy could mean you would not be covered in the event of a winter sports claim. Winter Sports trips are insured for a maximum of 28 days with an annual multi-trip policy. With the CoverForYou winter sports add on you can expect the following cover levels:
| Silver | Gold | Platinum | |
| Own ski equipment | £500 | £750 | £1,000 |
| Hired ski equipment | £150 | £200 | £400 |
| Ski hire | £250 | £400 | £500 |
| Ski pack | £250 | £500 | £750 |
| Piste/Avalanche closure | £250 | £400 | £500 |
| Physio in the UK | |
£350 | £350 |
Cruise cover
Cruise cover provides cover for any claim related to your travel on a cruise. This is required on a policy if you are travelling at sea for more than one day. Not having cruise cover on your policy could mean a cruise-related claim is not paid. With CoverForYou cruise cover you can expect the following for an additional cost:
| Silver | Gold | Platinum | |
| Baggage | £2,500 | £3,000 | £3,500 |
| Missed port | £125 (£25 per port) | £250 (£50 per port) | £500 (£100 per port) |
| Unused excursion | £300 | £500 | £750 |
| Cabin confinement | |
£500 (£20 per 24hours) | £1,000 (£20 per 24hours) |
Business cover
CoverForYou's business cover is ideal if you are travelling for work and want to cover business equipment, money and the cost to replace the employee travelling in the event that the original employee cannot travel due to illness resulting in hospitalisation. With business cover you can expect cover for the following:
| Silver | Gold | Platinum | |
| Business equipment | £1,000 | £1,500 | £2,000 |
| Business sample | £500 | £750 | £1,000 |
| Business money | £500 | £500 | £500 |
| Replacement business associate | £1,000 | £1,500 | £2,000 |
Wedding cover
CoverForYou's wedding add-on can help to cover your rings, outfits, gifts and any photography or video recordings. It is worth noting that this cover will pay out per couple and only for those insured on the policy so you may need to get insurance as a couple to benefit fully from this policy. With CoverForYou's wedding add-on you can expect the following amount of cover:
| Silver | Gold | Platinum | |
| Wedding rings | £500 | £750 | £2,000 |
| Wedding attire | £1,000 | £1,500 | £2,000 |
| Wedding gifts | £250 | £375 | £500 |
| Photography/video recording | £500 | £750 | £1,000 |
Gadget cover
Whilst you have some form of gadget cover as standard with a CoverForYou travel insurance policy, you can enhance this cover with the gadget cover add on. This means you can increase the cover from £500 or £750 to up to £3,000 depending on the level you choose. The amount of cover you can expect with each policy is highlighted in the below comparison table:
| Silver | Gold | Platinum | |
| Gadget level 1 | £1,000 | £1,000 | £1,000 |
| Gadget level 2 | £2,000 | £2,000 | £2,000 |
| Gadget level 3 | £3,000 | £3,000 | £3,000 |
| Unauthorised usage | £2,500 | £2,500 | £2,500 |
Golf cover
If you are travelling away on a golf trip you may wish to enhance your CoverForYou travel insurance policy to include cover for your golf equipment or any golf fees. Adding golf cover to your policy will come at an additional cost but provides cover for the following:
| Silver | Gold | Platinum | |
| Personal Golf equipment | £1,000 | £1,500 | £2,000 |
| Hired Golf equipment | £250 | £400 | £500 |
| Golf fees (non-refundable) | £250 | £400 | £500 |
Travel Disruption cover
If your trip is disrupted by delays or missed departure, travel disruption cover can insure you for any additional expenses incurred to reach your destination. With travel disruption cover you can expect cover for the following:
| Silver | Gold | Platinum | |
| Cancellation/Abandonment | £2,000 | £5,000 | £7,500 |
| To reach destination | £200 | £200 | £200 |
| Outbound delayed departure | £100 | £250 | £350 |
| Inbound delayed departure | £100 | £250 | £350 |
| Outbound missed departure | £250 | £500 | £1,000 |
| Inbound missed departure | £250 | £500 | £1,000 |
| Departure abandonment | £2,000 | £5,000 | £7,500 |
| Alternative accommodation | £2,000 | £5,000 | £7,500 |
| Additional expenses to return to UK | £2,000 | £5,000 | £7,500 |
Does CoverForYou travel insurance cover covid-19?
CoverForYou travel insurance does include cover for coronavirus as standard on new policies. We explain some of the covid-19 cover you can expect with a CoverForYou policy below but we recommend that you read your policy documents carefully to ensure you know exactly what you are covered for. It is also worth noting that in most cases you will be required to provide proof of covid-19 status with confirmation from a medical professional, public health board or a positive covid-19 test. For more information on travel insurance that covers covid-19 read our article, 'The best travel insurance providers with covid cover'.
A standard CoverForYou travel insurance policy offers the following coronavirus cover:
- Cover for emergency medical treatment if you fall ill with covid-19 whilst away
- Cover for repatriation if you fall ill with covid-19 whilst away and need to return to the UK
- Cover for additional expenses incurred (up to your policy limit) if you fall ill with covid-19 whilst away and need to extend your stay due to illness and/or self-isolation
- Cancellation of your trip if you fall ill with covid-19 and cannot travel or if you are notified to self-isolate by the NHS app
- Cover if you have been made redundant and can no longer afford to travel
- Cutting short your trip as a close relative has passed away due to coronavirus
You will not be covered for coronavirus related claims with CoverForYou if you travel against FCDO advice.
Does CoverForYou travel insurance cover pre-existing medical conditions?
CoverForYou does not cover undeclared pre-existing medical conditions so it is imperative that these are declared throughout the quotation process. CoverForYou aims to cover most pre-existing medical conditions but for any condition it cannot cover you would need to seek cover from a specialist. More information on specialist travel insurers that cover pre-existing conditions can be found on the Money Helper website.
CoverForYou describes a pre-existing medical condition 'as any medical condition for which you have received prescribed medication or check-ups within the last 12 months.' CoverForYou also classes the following medical conditions as pre-existing conditions if you have received treatment or taken prescribed medication for the condition in the past 5 years:
- Diabetes
- Cancerous conditions
- Heart conditions
- Respiratory conditions
- High blood pressure and/or high cholesterol
- Neurological conditions eg stroke
- Mental health conditions
It is important that you declare all pre-existing medical conditions as not doing so could prevent a successful claim.
Is there an age limit on a CoverForYou travel insurance policy?
CoverForYou has the following age limits on its policies:
| Policy | Age limit (years) |
| Single trip | 18-75 |
| Annual multi-trip | 18-70 |
| Backpacker | 18-50 |
How much does CoverForYou travel insurance cost?
In this section of the review, we compare the cost of CoverForYou's travel insurance policies. The quotes are based on an individual travelling to Europe and the single trip policy quotes are for a 7-day trip away. How much you will pay for your travel insurance policy is likely to depend on a number of things such as your age, the travel destination and duration and whether you have any pre-existing health conditions.
CoverForYou single trip policy cost comparison
| Silver | Gold | Platinum | |
| Policy excess | £0 | £0 | £0 |
| Emergency medical expenses | £15m | £15m | £15m |
| Cancellation/Curtailment | £2,000 | £5,000 | £7,500 |
| Personal baggage | £1,000 | £2,000 | £3,000 |
| European single trip policy cost (20-year-old) | £21.00 | £26.26 | £37.25 |
| European single trip policy cost (30-year-old) | £15.76 | £19.75 | £28.00 |
| European single trip policy cost (40-year-old) | £15.76 | £19.75 | £28.00 |
| European single trip policy cost (50-year-old) | £16.00 | £20.26 | £29.00 |
| European single trip policy cost (60-year-old) | £20.75 | £25.00 | £36.50 |
| European single trip policy cost (70-year-old) | £41.00 | £52.00 | £71.50 |
(Quotes correct as of 07/02/23)
CoverForYou annual multi-trip policy cost comparison
| Silver | Gold | Platinum | |
| Policy excess | £0 | £0 | £0 |
| Emergency medical expenses | £15m | £15m | £15m |
| Cancellation/Curtailment | £2,000 | £5,000 | £7,500 |
| Personal baggage | £1,000 | £2,000 | £3,000 |
| Individual trip limit | 32 days | 45 days | 62 days |
| European annual multi-trip policy cost (20-year-old) | £53.00 | £67.00 | £105.50 |
| European annual multi-trip policy cost (30-year-old) | £44.50 | £58.50 | £90.00 |
| European annual multi-trip policy cost (40-year-old) | £44.50 | £58.50 | £90.00 |
| European annual multi-trip policy cost (50-year-old) | £56.00 | £72.25 | £111.50 |
| European annual multi-trip policy cost (60-year-old) | £67.00 | £81.50 | £124.00 |
| European annual multi-trip policy cost (70-year-old) | £113.26 | £141.00 | £231.50 |
(Quotes correct as of 07/02/23)
CoverForYou travel insurance policy excess
There is currently no policy excess payable on any CoverForYou travel insurance policy.
How to claim on CoverForYou travel insurance
If you need to make a claim on your CoverForYou travel insurance policy you can do so by calling 01473 921258 Monday - Friday between 9am and 5pm. You are also able to raise a non-emergency claim online via the Customer Zone, details of which can be found in your travel insurance policy welcome email.
If there is a medical emergency when you are outside of the UK you will need to call the emergency helpline on 01473 351755 which is accessible 24 hours a day 365 days a year. There are separate claims numbers for Gadget, Scheduled Airline Failure or End Supplier Claims and more information can be found on the CoverForYou website.
When making a claim it is advisable to have personal details, policy numbers and any additional information to hand such as receipts and proof of purchase.
CoverForYou travel insurance customer reviews
CoverForYou has a Trustpilot rating of 4.8 out of 5.0 stars from over 17,000 reviews. 82% of customers have rated it as 'Excellent' citing an easy application and sign up process. Those that have had to make a claim commented on a quick and easy claims process. Only 3% of customers that have left a review have rated CoverForYou as 'Bad' citing problems with amending existing policies and moving policies to cover new travel dates throughout the pandemic. As with all travel insurance policies it is recommended that you do your own research and read your policy documents carefully so you know exactly what you are and are not covered for.
CoverForYou travel insurance pros and cons
CoverForYou travel insurance pros
- No policy excess is payable across all policies
- Backpacker cover for up to 18 months
- Coronavirus cover
- Loyalty discount scheme
CoverForYou travel insurance cons
- Age limit for those aged over 70 on annual policies and 75 on single trip policies
- Annual multi-trip travel insurance policy auto-renews so you must remember to cancel the policy if you don't want it to renew
Alternatives to CoverForYou travel insurance
In this section of the review, we compare CoverForYou travel insurance to some of its competitors. For the purpose of the comparison, we compare the most comprehensive travel insurance policy with each of the insurers. The quotes are based on a 30-year-old individual with no underlying health conditions travelling to Europe for 7 nights. To find out more about Staysure* and Coverwise travel insurance read our independent reviews:
You can also compare travel insurance policies with a comparison site such as MoneySuperMarket* or Compare the Market*. This will allow you to compare multiple travel insurance policies to find the cheapest policy for your trip. One thing to consider, however, is that most comparison sites are not whole of market so you may benefit from a better deal elsewhere.
CoverForYou vs Staysure
| CoverForYou | Staysure | |
| Policy name | Platinum | Comprehensive |
| Policy excess | £0 | £0 |
| Emergency medical cover | £15m | Unlimited |
| Cancellation cover | £7,500 | £10,000 |
| Baggage cover | £3,000 | £5,000 |
| European single trip policy cost (30-year-old) | £29.00 | £24.99 |
(Quotes correct as of 11/08/23)
CoverForYou vs Coverwise
| CoverForYou | Coverwise | |
| Policy name | Platinum | Gold |
| Policy excess | £0 | £50 |
| Emergency medical cover | £15m | £20m |
| Cancellation cover | £7,500 | £3,000 |
| Baggage cover | £3,000 | £2,000 |
| European single trip policy cost (30-year-old) | £29.00 | £12.55 |
(Quotes correct as of 11/08/23)
Summary
Overall, CoverForYou has a lot of choice when it comes to tailoring your travel insurance policy to suit your trip and the option to add an additional policy that will cover items such as wedding rings and golf equipment can make it appealing to those looking for peace of mind when travelling for a specific event or hobby. CoverForYou offers a good level of emergency medical cover but it is possible to get more elsewhere and potentially at a lower cost. Its cancellation cover, however, is slightly more generous than most travel insurance providers at £7,500. One standout feature is that it doesn't charge a policy excess when claiming, a rarity in the travel insurance space. As with all travel insurance policies, it is best to shop around to ensure you are getting the best deal for your trip. One of the easiest ways to do this is via a comparison site such as MoneySuperMarket*.
If a link has an * beside it this means that it is an affiliated link. If you go via the link, Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. The following link can be used if you do not wish to help Money to the Masses - MoneySuperMarket, Compare the Market, Staysure
