Coverwise

Coverwise is a travel insurance broker based in Gibraltar.

Its sales and servicing facilities in the UK are operated by Southdowns Insurance Services (a brand which operates as an insurance broker in its own right too).

Coverwise offers cover options to suit business travellers and winter sports enthusiasts.

Most sections of Coverwise policies are underwritten by Inter Partner Assistance, which is part of large French insurer AXA. The sections which aren't are underwritten either by International Passenger Protection Limited or underwriters at Lloyd's of London.

Coverwise
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Travel insurance

Ranked 53rd of 64 providers reviewed.

Customer happiness 46%
Customer trust 33%
Complaints performance 64%
Transparency rating 38%
Fairer Finance score
Reviewed Autumn 2019
45%

Travel insurance

Annual multi-trip insurance

Coverwise

Platinum

5 stars
Medical excess i £0
Cancelling before travel i £6,000
Personal possessions & baggage - damaged, lost or stolen i £3,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £6,000
Abandoning your trip i £6,000
Lost or stolen cash i £350
Combined passport & travel i £650
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Coverwise

Silver

4 stars
Medical excess i £50
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £200
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Coverwise

Gold

4 stars
Medical excess i £50
Cancelling before travel i £3,000
Personal possessions & baggage - damaged, lost or stolen i £2,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £3,000
Abandoning your trip i £3,000
Lost or stolen cash i £200
Combined passport & travel i £600
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Coverwise

Platinum (Comparison Site)

4 stars
Medical excess i £0
Cancelling before travel i £6,000
Personal possessions & baggage - damaged, lost or stolen i £3,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £6,000
Abandoning your trip i £6,000
Lost or stolen cash i £350
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Coverwise

Silver (Comparison Site)

3 stars
Medical excess i £50
Cancelling before travel i £2,000
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £2,000
Abandoning your trip i £2,000
Lost or stolen cash i £200
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Coverwise

Bronze (Comparison Site)

2 stars
Medical excess i £100
Cancelling before travel i £1,500
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 24 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,500
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Coverwise

Bronze

2 stars
Medical excess i £100
Cancelling before travel i £1,500
Personal possessions & baggage - damaged, lost or stolen i £1,500
Max trip duration i 31 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £1,500
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Coverwise

Standard (Comparison Site)

1 stars
Medical excess i £150
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 24 days
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £250
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Coverwise

Standard

1 stars
Medical excess i £125
Cancelling before travel i £1,000
Personal possessions & baggage - damaged, lost or stolen i £1,000
Max trip duration i 31 days
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £1,000
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £500
Natural disaster relocation cover i
Natural disaster baggage cover i
Mental health cover i

Single trip insurance

Coverwise

Platinum

5 stars
Medical excess i £0
Cancelling before travel i £6,000
Personal possessions and baggage - damaged, lost or stolen i £3,500
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £6,000
Missed departure i £1,000
Abandoning your trip i £6,000
Lost or stolen cash i £350
Combined passport & travel i £650

Coverwise

Platinum (Comparison Site)

5 stars
Medical excess i £0
Cancelling before travel i £6,000
Personal possessions and baggage - damaged, lost or stolen i £3,500
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £6,000
Missed departure i £1,000
Abandoning your trip i £6,000
Lost or stolen cash i £350
Combined passport & travel i £500

Coverwise

Gold

4 stars
Medical excess i £50
Cancelling before travel i £3,000
Personal possessions and baggage - damaged, lost or stolen i £2,000
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £3,000
Missed departure i £1,000
Abandoning your trip i £3,000
Lost or stolen cash i £200
Combined passport & travel i £600

Coverwise

Silver (Comparison Site)

3 stars
Medical excess i £50
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £15,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £1,000
Abandoning your trip i £2,000
Lost or stolen cash i £200
Combined passport & travel i £500

Coverwise

Silver

3 stars
Medical excess i £50
Cancelling before travel i £2,000
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £2,000
Missed departure i £1,000
Abandoning your trip i £2,000
Lost or stolen cash i £200
Combined passport & travel i £500

Coverwise

Bronze (Comparison Site)

2 stars
Medical excess i £100
Cancelling before travel i £1,500
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,500
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £500

Coverwise

Bronze

2 stars
Medical excess i £100
Cancelling before travel i £1,500
Personal possessions and baggage - damaged, lost or stolen i £1,500
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £1,500
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £500

Coverwise

Standard (Comparison Site)

1 stars
Medical excess i £125
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £10,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £500

Coverwise

Standard

1 stars
Medical excess i £125
Cancelling before travel i £1,000
Personal possessions and baggage - damaged, lost or stolen i £1,000
Emergency medical cover and repatriation i £20,000,000
Cutting trip short/curtailment i £1,000
Missed departure i £0
Abandoning your trip i £0
Lost or stolen cash i £200
Combined passport & travel i £500

Winter sports add-on

Coverwise

Platinum

5 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Avalanche closure i £600
Piste closure i £600
Unused ski pass due to illness or injury i £500

Coverwise

Platinum (Comparison Site)

5 stars
Ski equipment owned i £1,000
Single item limit for owned equipment i £500
Hiring replacement winter sports equipment i £500
Ski equipment owned excess i £50
Ski equipment hired i £500
Single item limit for hired equipment i £500
Avalanche closure i £600
Piste closure i £600
Unused ski pass due to illness or injury i £500

Coverwise

Silver

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £250
Piste closure i £200
Unused ski pass due to illness or injury i £300

Coverwise

Gold

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £250
Piste closure i £200
Unused ski pass due to illness or injury i £300

Coverwise

Silver (Comparison Site)

3 stars
Ski equipment owned i £500
Single item limit for owned equipment i £250
Hiring replacement winter sports equipment i £200
Ski equipment owned excess i £50
Ski equipment hired i £250
Single item limit for hired equipment i £250
Avalanche closure i £250
Piste closure i £200
Unused ski pass due to illness or injury i £300

Coverwise

Standard

1 stars
Ski equipment owned i £300
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £150
Ski equipment owned excess i £100
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure i £200
Piste closure i £150
Unused ski pass due to illness or injury i £200

Coverwise

Bronze

1 stars
Ski equipment owned i £300
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £150
Ski equipment owned excess i £100
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure i £200
Piste closure i £150
Unused ski pass due to illness or injury i £200

Coverwise

Standard (Comparison Site)

1 stars
Ski equipment owned i £300
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £150
Ski equipment owned excess i £100
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure i £200
Piste closure i £150
Unused ski pass due to illness or injury i £200

Coverwise

Bronze (Comparison Site)

1 stars
Ski equipment owned i £300
Single item limit for owned equipment i £150
Hiring replacement winter sports equipment i £150
Ski equipment owned excess i £100
Ski equipment hired i £200
Single item limit for hired equipment i £200
Avalanche closure i £200
Piste closure i £150
Unused ski pass due to illness or injury i £200