CoverForYou Reviews 

We've been with CoverForYou for over 3 years now on a multi-trip plan, and cannot recommend it highly enough. Thankfully, we've only ever had to claim on it once due to cancelled flights writing off our entire trip, however CoverForYou were brilliant. Simple online chat to get the claim started, then filled out the rest in my own time. Everything was reviewed and settled without any hassle. Needed to add cover for Mexico to our plan earlier in the year and was able to do this via the online portal for only £20 in total. Cannot recommend highly enough!

Zero help or advice from first call.
Was initially paid 1.72% of my claim for a medical bill, 98.28% being rejected for cancellation of ongoing holiday and a new flight home plus accommodation.
Poor customer service. Poor communication. Awarded compensation for poor case management.
Took 13 months to achieve payment of a claim and having to go through ombudsman. If they’d read the paperwork I sent or contacted me there wouldn’t have been a problem. Extremely stressful!

I’ve now just taken out my 6th annual policy with you guys. Every year I take many trips and your services have always been amazing. I’ve had a phone stolen and a hospital bill over the years and you compensated me with both issues and made the stressful process very simple!

I have upgraded my policy today and spoke to Diexter and he helped me run through everything with great detail to make sure my injuries were accounted for and I was set up ready for my next trip!

Great customer service, great cover! Thanks so much

would give zero if I could. Garbage company - avoid at all costs.

Our outbound flight was cancelled meaning a 4 day trip could not be taken. When I claimed for the lost hotel expenses the answer was “oh, that’s not covered on your policy”.

What is the point of travel insurance that doesn’t cover trip cancellation as STANDARD.

So after leaving this review previously, and after initially being threatened by CFY for leaving a negative review, they subsequently and magically discovered that my claim had been incorrectly rejected and they have now paid out!! A more professional company would have dealt with this issue correctly in the first place and would have retained my custom.

I’m disappointed with the handling of my claim by CoverForYou / AXA Assistance. My policy clearly includes the Excess Waiver, showing £0 excess, yet an excess was still applied to my medical claim.

I’ve had to spend unnecessary time disputing something that should have been straightforward. I hope the company reviews its processes to ensure customers aren’t made to challenge clear policy terms.

I’ll update this review if the issue is resolved fairly, but at this stage, the service has been frustrating and below expectations.

Just got back from Crete and on the first day my daughter fell on a water slide and burst her chin open. She went to hospital for stitches and as we were there for 2 weeks she also had to get the removed over there. As soon as I got back to the hotel I phoned to make a claim and the man who helped me make the claim was informative and helpful and made sure I got all the details and I needed for the hospital and I got all the details they needed so there was no hassle and gave me there email incase any miscommunication between myself and the hospital. Thankfully everything went smooth and by the next day everything was sorted and all I had to pay was the excess of the policy. Would highly recommend for travel insurance

absolute disgrace.. namely a craig and adrian.. happy to give my opinion and views in court.. i consider this company unfit for purpose or their underwriters.. either way they left me in thailand hanging.. with absolutely no contact to me after one week of needing a hospital visit to a local very good quality hospital.. who were very professional.. after many times of trying the hospital eventually made contact and secured a case ref number.. cover for you or axa whoever were the guys dealing with my case had 2 active phone numbers for me and an active email But no contact to me at all.. outrageous company who should be investigated..

If you want travel insurance just to feel good then great, if you want decent cover, LOOK ELSEWHERE!

I expected more from a policy underwritten by AXA!

Accommodation, transport and new flight costs to get home due to STOLEN passport NOT covered in their GOLD annual policy. The passport itself is covered but barely covers the cost of the ETD required to return to the UK, doesn't come near to getting a new passport as well!

If you're expecting your belongings to be covered then make sure you have a receipt for everything you're taking with you, because they ONLY pay out if you can show them the RECEIPTS!! A bit of a problem if some of your items were presents or if you bought your clothes any longer than a week before departure and the receipt is still lurking in the bag! As a consequence they assessed my claim at 1/4 of the total value of the items that were stolen. On, and Air pods are classed as gadgets so you need to take extra cover for these!

Customer service is friendly on the phone but communication by email is appalling as it takes at least a week to get a response.

Lesson.., read the entire policy wording before taking out the cover because BASIC things you think would be covered, AREN'T. I will never use this company again!!

I placed a claim with Cover for You following a ski accident in late February to recover some medical costs and check if I could get back some money for unused ski pass.

I had to wait over 45 minutes on the emergency hotline to get through to someone with a injured shoulder which was not great. I then submitted the CAS form. I heard nothing from AXA who are processing the claim despite a number of follow up emails asking for an update.

I raised a complaint on the 11th of April and was paid some compensation in June and was asked for some additional information by AXA.

It's now the 22nd of August and my claim from February has still not been settled and I've continued to receive no feedback. Very disappointing as I assumed with a 5 star rating I would get a good service.

Watch out! CoverForYou will take travel insurance renewal payment *7 full days ahead* of your renewal date.
Allegedly this is to ensure you're covered. Somehow every single other insurance provider manages to provide uninterrupted cover whilst taking payment on the day of the renewal - so I don't think this is acceptable justification.
This is clearly to prevent you shopping around.
I sat down to look at my travel insurance policy on the Sunday before the renewal date, only to find £265 had already been deducted from my card.
Of course, no customer services team was available, so I had to spend 20 minutes finding the cancellation button online.
Apparently a refund will be made - but this gives me another job to do to check it arrives and in the meantime, I'm out of pocket.
What's more, I found an equivalent insurance policy with Admiral for only £80!! So the renewal price was a complete rip off.
Given this underhand approach to taking a sky high payment 7 days ahead of time, I will never take an insurance policy with CoverForYou again.

Dreadful experience around cruise cover and a missed port. 1/8 of what other insurers pay. Customer service were very cold and blunt when I questioned it.
Terms not clear - we believed the £25 missed port to be an excess fee not a settlement fee. All other insurers pay £150-£200, greatly disappointing.
Will not use this insurer again.

Policy and company have always been great. But they use Axa for claims. Really poor service. Told me they won’t look at claim for 3 weeks as really busy. Then put various obstacles in the way of claim
CFYad24-8751212

Absolutely disgraceful company to deal with, typical insurance tricks to get out of paying anyway they can. My claim was denied even before they had all the paperwork 😡

Had been with this insurance company for a long time but only recently needed to make a claim for the first time. Look for accurate reviews online as the 4/ 5 star reviews are totally not accurate. As mentioned in other negative reviews they have very dubious tactics indeed to avoid paying out a claim even when sending through all the evidence as per the rules, they stall and stall by sending out a response every week (in my case every thurs morning) in the hope you give up and go away. In my case it made me so cross and determined but also worried as those tactics were so obvious and unprofessional I dedided to cancel all my policies as was worried about how they treated me as a loyal customers and if we should ever need them for serious issues then I would not like to go through the torture of weekly emails (for 4 whole months !!!) just to get your valid claim money. Do your research on travel insurance companies and their paying out rate. The sales dept at cover for you are good and professional it is just once you try to make a claim they outsource it (gadget claims in particular) to another company called the Davies Group which were as mentioned above basically used the ‘don't pay out straight away and hope they give up’ stalling tactics which I read was so stressful for older loyal customers and understood having gone through it myself ! I made a point to not give up but it took a lot of time and stress answering their emails.

Omg got my covers today perfect fit they are better than I thought they would be I’m well chuffed they look amazing thank you easy to choose colour perfect size really happy with them amazing

I've Bought this travel insurance for years, but this time is the first time using it for a medical Emergency. When it's actually needed is difficult to use, the only way to contact them for a medical emergency is making a phone call to a UK number, and of course when you are abroad that will cost you a lot. I'm in Peru and is costing me 1GBP per minute,When you call, they put you in a holding queu, after waiting 7 mins they answered my phone, say their name and as they could not hear me they hang up without saying anything, ridiculous.
I'm calling again for a second time this time I've been waiting for 13 mins. Total lost at the moment: 20GBP just for them to not even taking my insurance policy number.
Thank god my emergency is not life threatening otherwise I can not imagine bearing with this.
Update: After 15 mins they've answered my call and told me that they could not hear and they will call me back. 30 mins has passed already and nobody has called me back.

Update 23/05/2025

When I finally needed to use the insurance I’ve paid for over the years, your service failed me. I spent over 30 minutes on hold, wasted more than £20 trying to reach you, only to be hung up on and left waiting for a call back that never came. In a medical emergency, this is unacceptable.

Your suggestion that the issue is on my end is not only dismissive but also inaccurate. I had a stable connection and was able to make other international calls without a problem.

You say you'll reimburse costs for a "valid assistance claim"but how is anyone supposed to make a valid claim if they can't even reach you in the first place?

You need to seriously reconsider how accessible your emergency services are. Depending on a single UK number in 2025, with no backup options like email, app support, or messaging, is not good enough.

I hope this feedback prompts real change, because I wouldn't wish this experience on anyone.

Have been with CoverForYou since 2018. Until now... They offer no options for purchasing travel insurance when ongoing medical tests are involved — even for very mild conditions. I understand the need for caution, but it would be helpful if there were options to exclude such conditions from coverage, rather than declining coverage altogether. It would also be encouraging to see some consideration or flexibility extended to long-standing customers like myself who have remained loyal for over six years.

What a find, great company! I really enjoy their little competitions monthly too and the ability to get points to move up a tier etc. Have just renewed my travel insurance for the 3rd time- the last time I had to actually use the claims process was about 5 months ago when I had an accident and tripped on a curb in Spain. No hassle, just paid the medical bills back quickly with no fuss.

We had a flight booked to Barbados to attend our grandfather’s funeral, unfortunately, the children and I contracted COVID-19, therefore couldn’t attend. We tried to make a claim, however, we’ve been told that we’re not a customer, although we took out a policy. Clearly a scam.

UPDATE: They have been in contact and have agreed we are a customer. Waiting for this to now be resolved

Our flight got cancelled suddenly due to a union strike of airports in Germany. We needed to rebook another airline and train tickets to fly back to the UK. When I tried to claim all the extra cost, it turned out to be Axa insurance again. They asked me to provide many documents. After all the efforts and time I put into to provide the documents, they said 'Unfortunately we will not be able to cover additional public transport expenses, as you have not purchased the travel disruption benefit.' It's all very confusing and those terms in the contract are so vague. You've never known what's included until you try to claim. Also, why didn't they told me at the very beginning? They could've checked my policy and told me it's not included. We tried to claim around £500 and they only want to pay us £100. Also, they are asking the documents I've already provided again! I honestly think all the money for travel insurance is a total waste. Unless you have a major health emergency, all the extra cover is a con.