In this article, we will delve into the world of CoverForYou travel insurance, exploring its key features, policy options, and what it covers. Whether you're planning a single trip, embarking on multiple adventures, or even going on a backpacking journey, CoverForYou has something for everyone. We'll also discuss important aspects such as COVID-19 coverage, pre-existing medical conditions, and the cost of the policies. So, let's get started!
What is CoverForYou Travel Insurance?
CoverForYou is an online insurance specialist that provides various types of insurance, including travel insurance, gadget insurance, and car hire excess insurance. The travel insurance policies offered by CoverForYou are underwritten by AXA Insurance UK plc and are sold and administered by Worldwide Internet Insurance Services Ltd. With over 8 million people insured and a 5-star Defaqto rating for its Platinum policy, CoverForYou has established itself as a trusted insurance provider.
Key Features of CoverForYou Travel Insurance
- Loyalty discount scheme: CoverForYou rewards its loyal customers with discounts on their travel insurance policies.
- 5-star Defaqto rating: The Platinum policy offered by CoverForYou has received a 5-star Defaqto rating, ensuring high-quality coverage.
- No policy excess: Unlike many other insurance providers, CoverForYou does not impose a policy excess on any of its policies.
- TravelMate app: CoverForYou offers a convenient TravelMate app that provides easy access to policy information and assistance while traveling.
- Coronavirus cover: CoverForYou includes cover for COVID-19 related issues, such as emergency medical treatment, repatriation, and additional expenses due to illness or self-isolation.
CoverForYou Travel Insurance Policies
CoverForYou offers different types of travel insurance policies to cater to the diverse needs of travelers. Let's take a brief look at each policy:
Single Trip
Ideal for individuals, couples, or families planning a one-time trip abroad, the Single Trip policy provides coverage for up to 12 months. It is suitable for occasional travelers who do not embark on multiple trips in a year.
Annual Multi-Trip
The Annual Multi-Trip policy is designed for frequent travelers who embark on multiple trips within a year. It offers cost-effective coverage compared to purchasing multiple single trip policies. The policy includes a maximum trip limit of 62 days, depending on the chosen policy.
Backpacker
If you're planning an extended trip or taking a gap year, the Backpacker policy is perfect for you. It provides coverage for trips lasting up to 18 months and includes a range of cover for sports and activities during your journey. You can also add extreme sports cover for activities like skydiving.
What Does CoverForYou Travel Insurance Cover?
CoverForYou travel insurance offers comprehensive coverage to ensure peace of mind during your travels. Here are some key highlights of what the policies cover:
- Emergency medical expenses: CoverForYou provides coverage for emergency medical treatment up to £15 million.
- Cancellation/Curtailment: In case you need to cancel or cut short your trip due to covered reasons, CoverForYou offers coverage up to £7,500.
- Personal baggage: Your personal belongings are protected with coverage up to £3,000.
- Winter Sports cover: If you're planning a winter sports trip, you can add winter sports cover to your policy for specific coverage related to winter sports activities.
- Cruise cover: For travelers going on a cruise, CoverForYou offers cruise cover to protect against cruise-related claims.
These are just a few examples of the coverage provided by CoverForYou travel insurance. Depending on the chosen policy, you may also have the option to add additional coverage for areas such as business trips, weddings, gadgets, golf trips, and travel disruption.
COVID-19 Coverage with CoverForYou Travel Insurance
One of the major concerns for travelers in recent times is COVID-19. CoverForYou travel insurance incorporates COVID-19 coverage into its policies. Here's what you can expect from a CoverForYou policy regarding COVID-19:
- Cover for emergency medical treatment if you contract COVID-19 while traveling.
- Repatriation coverage if you fall ill with COVID-19 and need to return to the UK.
- Additional expenses coverage if you need to extend your stay due to COVID-19 illness or self-isolation.
- Trip cancellation coverage if you cannot travel due to COVID-19 illness or NHS app-mandated self-isolation.
- Coverage if you have been made redundant and cannot afford to travel.
- Trip curtailment due to the unfortunate passing of a close relative from COVID-19.
It's important to note that traveling against FCDO advice will result in no coverage for COVID-19-related claims with CoverForYou.
CoverForYou Travel Insurance and Pre-existing Medical Conditions
CoverForYou aims to cover most pre-existing medical conditions; however, it's crucial to declare these conditions during the quotation process. CoverForYou defines a pre-existing medical condition as any condition for which you have received prescribed medication or check-ups within the last 12 months. Additionally, conditions such as diabetes, cancerous conditions, heart conditions, respiratory conditions, high blood pressure, high cholesterol, neurological conditions, and mental health conditions are considered pre-existing if treated or medicated in the past 5 years. Failure to declare pre-existing conditions may result in a claim being denied. If CoverForYou cannot cover a specific medical condition, seeking cover from a specialist insurer is advised.
Age Limits on CoverForYou Travel Insurance Policies
CoverForYou imposes age limits on its travel insurance policies to ensure appropriate coverage. Here are the age limits for each policy:
- Single Trip: 18-75 years
- Annual Multi-Trip: 18-70 years
- Backpacker: 18-50 years
Cost of CoverForYou Travel Insurance
The cost of CoverForYou travel insurance policies depends on factors such as age, travel destination, duration, and pre-existing health conditions. To provide an idea of the pricing, let's compare the cost of their single trip and annual multi-trip policies for different age groups traveling to Europe:
Single Trip Policy Cost Comparison (Based on a 7-day trip to Europe)
- Silver: £15.76 - £41.00
- Gold: £19.75 - £52.00
- Platinum: £28.00 - £71.50
Annual Multi-Trip Policy Cost Comparison (Europe)
- Silver: £44.50 - £113.26
- Gold: £58.50 - £141.00
- Platinum: £90.00 - £231.50
Please note that these quotes are based on a 30-year-old individual with no underlying health conditions. Prices may vary based on individual circumstances.
How to Claim on CoverForYou Travel Insurance
Making a claim on your CoverForYou travel insurance policy is a straightforward process. You can call 01473 921258 between 9am and 5pm from Monday to Friday to initiate a claim over the phone. Alternatively, you can raise a non-emergency claim online through the Customer Zone, as mentioned in your travel insurance policy welcome email. For medical emergencies outside of the UK, there is a dedicated 24-hour emergency helpline at 01473 351755. Separate claims numbers are available for Gadget, Scheduled Airline Failure, and End Supplier Claims, which can be found on the CoverForYou website. When making a claim, ensure you have your personal details, policy numbers, and any necessary supporting documents, such as receipts.
Customer Reviews of CoverForYou Travel Insurance
CoverForYou has garnered positive reviews from customers, holding an impressive 4.8 out of 5.0 stars on Trustpilot based on over 17,000 reviews. Customers have praised the easy application and sign-up process, as well as the quick and efficient claims handling. However, a small percentage of customers have expressed concerns regarding policy amendments and changes related to the pandemic. As with any travel insurance policy, it's essential to thoroughly read and understand the policy documents to know the exact coverage and limitations.
Pros and Cons of CoverForYou Travel Insurance
Here's a quick summary of the pros and cons of CoverForYou travel insurance:
Pros
- No policy excess across all policies.
- Backpacker cover for up to 18 months.
- Comprehensive COVID-19 coverage.
- Loyalty discount scheme.
Cons
- Age limit for individuals above 70 on annual policies and 75 on single trip policies.
- Annual multi-trip policy auto-renews, requiring cancelation if not desired.
Alternatives to CoverForYou Travel Insurance
If you're considering alternatives to CoverForYou travel insurance, two notable options are Staysure and Coverwise. Here's a comparison of the most comprehensive policies offered by these insurers:
CoverForYou vs. Staysure
- Policy Name: CoverForYou Platinum vs. Staysure Comprehensive
- Policy Excess: £0 for both
- Emergency Medical Cover: £15m (CoverForYou) vs. Unlimited (Staysure)
- Cancellation Cover: £7,500 (CoverForYou) vs. £10,000 (Staysure)
- Baggage Cover: £3,000 (CoverForYou) vs. £5,000 (Staysure)
CoverForYou vs. Coverwise
- Policy Name: CoverForYou Platinum vs. Coverwise Gold
- Policy Excess: £0 (CoverForYou) vs. £50 (Coverwise)
- Emergency Medical Cover: £15m (CoverForYou) vs. £20m (Coverwise)
- Cancellation Cover: £7,500 (CoverForYou) vs. £3,000 (Coverwise)
- Baggage Cover: £3,000 (CoverForYou) vs. £2,000 (Coverwise)
These comparisons are based on a 30-year-old individual with no underlying health conditions traveling to Europe for 7 nights. Quotes may vary based on individual circumstances.
Summary
CoverForYou travel insurance offers a wide range of policies and add-ons to suit various travel needs. With its comprehensive coverage, loyalty discounts, and convenient app, CoverForYou strives to provide a seamless and reliable insurance experience. While the emergency medical coverage is extensive, it's worth exploring other options if you require higher coverage limits. However, the cancellation coverage provided by CoverForYou is more generous than many other insurers. Additionally, the absence of a policy excess sets CoverForYou apart from its competitors. As with any travel insurance, it's essential to compare prices and coverage options to find the best policy for your specific needs. Comparison sites like Quotezone and MoneySuperMarket can assist you in finding multiple travel insurance options and help you make an informed decision.
If you're interested in reading independent reviews of Staysure and Coverwise travel insurance, you can find them on our website.
Please note that some links in this article may be affiliate links. By using these links, you support Money to the Masses, ensuring free access to our valuable content. However, if you prefer not to support us, you can directly visit MoneySuperMarket, Quotezone, Staysure, or Coverwise.
