The 77% current positive reviews on TrustPilot are a joke. Go online elsewhere and get the bigger picture. They will deny claims where your hardship was out of your control by simply calling it a "social trip." I am getting married this year, and my trip had to be cancelled because my fiancee's work change (her employer). I was scheduled to go meet her in the Philippines and meet her family and then we would travel back to the US together. Thankfully she has not booked the return trip yet. But this hardship was totally out of BOTH of our controls, and when you purchase flight refund insurance, you should be able to use it. They make no allowances for anything beyond "carrier" disruptions. Worthless. Most carriers issue their own credits if they cause a disruption. Don't waste your money on this.
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XCover.com Reviews Summary
Positive Highlights
- No positive aspects were mentioned in the reviews.
Negative Highlights
- Claims are frequently denied for reasons customers consider unfair.
- Customer service is unreachable by phone and unresponsive.
- Cancelling a policy is difficult despite a stated cooling-off period.
Most commonly discussed topics
The most helpful reviews behind these summaries
Denies all claims, No appeals, No Customer service phone number also called cover genius and renters insurance Unbelievable poor company booking.com only travel insurance choice,
Submitted a 1,000% legimate claim for a box getting damaged by FedEx. They denied it and appeal saying basically wasn't packed correctly per their terms. 1,000% FALSE! Product totally packed EXACTLY per their terms. This company is dishonest and committing theft and fraud! DO NOT USE THEM!
BEWARE BEWARE BEWARE! Xcover is a scam. They will change your cover dates without notifying you. They are unreachable and will not cancel your cover even though they state there is a "cooling off period". They will steal your money and you can't do anything about it.
I am reporting you to TDI for being scammers. Maybe the news needs to hear about your scam. We don't need your insurance; we want our full refund, that we paid to you. First you tell us we can cancel you and get a refund. Then I ask for our money for the insurance that we paid to you and now you say we can't because we only have 10 days from date of purchase to cancel. Our crystal ball is broken. We didn't know 9 months ago that the event would be postponed not by us, but by AXS, and the performer, with no date in mind to when the event will be back on. We want our money back. You are making a lot of money from scamming people. Claim Number: MXRMX-9NUEL-INS. People beware of this company; they are making a lot of money by declining you. Our event was not rescheduled or canceled. ASX not only got paid for the venue that night from being insured, but now are keeping our money on top of it and collecting interest. X-cover and AXS have a pretty good scam going. They are the worst kind of people. We also disputed our credit card for ASX and X-cover.
We don't need your insurance; we want our full refund, that we paid to you. First you tell us we can cancel you and get a refund. Then I ask for our money for the insurance that we paid to you and now you say we can't because we only have 10 days from date of purchase to cancel. Our crystal ball is broken. We didn't know 9 months ago that the event would be postponed not by us, but by AXS, and the performer, with no date in mind to when the event will be back on. We want our money back. You are making a lot of money from scamming people. Claim Number: MXRMX-9NUEL-INS. They are making a lot of money by declining you. Our event was not rescheduled or canceled. ASX not only got paid for the venue that night from being insured, but now are keeping our money on top of it and collecting interest. X-cover and AXS have a pretty good scam going. They are the worst kind of people. We also disputed on our credit card for ASX and X-cover.
Worst insurance experience ever, scam, run away! When I booked my vacation for the summer of 2023 with Booking, I was offered Xcover travel insurance which protects, among other things, my luggage in case of loss or delay. My luggage arrived a week after me on vacation, which is covered by the Xcover policy (they reimburse the costs incurred by the delay, such as essential expenses for washing and dressing while waiting). It was a "simple" case, I sent all the necessary documents directly to Xcover, it was August 12,2023. Here we are on December 13 and it's still unresolved, impossible to reach a real person. All I get are automatic e-mails. I've contacted them by e-mail, at first they "replied" but since October I've just been receiving the same automatic e-mail asking me for the dates of the trip (which are the dates of the insurance policy, so they have them). I've sent them 5 emails, I've filled in my file online 3 times as well, all with supporting evidence, but to no avail, they send me back the same email with the same "dates of the trip" request. I've contacted the helpdesk 3 times and they tell me they'll get back to me as soon as possible, but I haven't heard from them since October either. I even replied to their sms, no answer. Knowing that there's no way of phoning them directly, I've done everything I could to contact them! Right now (December 13,2023) Xcover has the nerve to close my complaint, supposedly for lack of response on my part, even though I've sent them dozens of messages by e-mail, sms and via their platform! I'm furious and am in the process of lodging a complaint with a consumer association because this is not possible.
As a Revolut customer you get travel insurance via XCover.
My wife had to go into hostital so I tried to use them for the first time for a cancelled trip.
Their website is actually pretty professional. I submitted all the necessary douments.
It is then that you get silience and realise there is no way to contact them other than by email and they dont reply to many emails. I totally agree this is a scam insurance company and we need to bring them to justice.
What is amazing is how prevalent they are in the market. I see Revolut have now binned them, presumably after so many complaints. However just the other day I was buying tickets at the O2 and guess who their partner is for ticket insurance. Oh yes Xcover are back. They claim they are regulated by the FCA, so write to them with your stories. Somehow TrustPiltot has them as 4 starts, how they managed to rig that I dont know. Complain and publicise about this bogus company. Take them to the ombudsman and the small claims court. Somewhere behind the facade will be a fat crook sitting is a posh mansion that needs exposing.
Xcover sells the coverage for traveling trip interruption through Traveluro. When the trip is interrupted for a serious reason they are asking for the documents which are impossible to get, the hotel would not give you those documents, they would only talk to Traveluro,, Traveluro is not answering the phone calls nor the emails and Xcover is located in Australia and keep asking by text nonsense. It is well designed conspiracy to defraud customers., pure fraud!
It does really seem to be a scam, not a real insurance provider.
We claimed 2 things:
1) necessary costs for the delayed luggage, doing everything in accordance with the policy wording. They declined the claim, referring to an exemption that is...simply non existing. The email said that baggage delay is not covered for a return trip, but this is written nowhere in the provided documents. So they either are lying and not wanting to reimburse us, or they hid some documents from us - which is lying, again.
2) Broken electronics during the trip - we claimed on 22.11, today we have 7.12 and nothing. No communication, no claim paid, total silence and avoidance.
Overall: a nightmare, automated emails that don't answer any of the questions, lengthy process, lies about non existing exemptions. You are safer with any other provider.
Terrible--They demanded a death certificate because I wanted to get my money back on a ticket because I wasn't up for going because my brother unexpectantly passed. The page that describes the insurance on the theatre website made it sound really easy to return my ticket/make a claim but that is NOT true at all! Their website actually wanted me to provide a death certificate for my brother--it was unrealistic, bizarre, (twilight zone demands), outrageous with impossible demands. My ticket for the play was only $38, and my insurance was only $2.66--I also tried to write them a letter and upload it to the spot where they demand proof of death (yep, they actually wanted that info), but it was so creepy because it could tell that I uploaded a letter and not a death certificate? MADE ME SICK. Tell everyone and I'm sorry for everyone that got ripped off.
This is by far the worse insurance company ever. Claim submitted on 12 August keep getting automated emails not telephone number. Avoid at all costs. Seriously especially if medical. I have complainted to financial ombudsman
Don't bother paying for this coverage because you won't get the fine print when you sign up. But once you need to use it you will find it almost impossible to be eligible.
Impossible to complete a claim; impossible to contact; help center sends nonsensical automated responses that are of no use. Stay away from this scam!
I unexpectedly got laid off from my job so I couldn't attend an event. I filed a claim and they denied it. They stayed I need to have been there for 2 years. Kind of bull crap tbh. Other companies give a one year employememt requirememt. They denied my claim. Use Allianz if you have the choice. XCover is a scam. They make it suuuper hard to get reimbursed. Avoid at all costs.
Unfortunately I didn't read the previous reviews if I had I could've saved my money, total scam best avoid
Like many people Xcover:
Denies your claim
Refuses to answer your requests
Provides no proof of why your claim is rejected
Why are respectable travel companies using them?
SCAM ALERT!
Please beware of this insurance look for anything else. After having horrible time with your lost baggage/possessions these people will make you jump through hoops to deny your claims based on "not providing listed information" which you do for months. Want to contact their support staff ha good luck. You'll have a higher chance of your father coming back after 30 years with milk. Please I never take time to write reviews but if you're taken a vacation wrapping the luggage and buying a lock and praying to anyone is better than this insurance.
Got cover for two tickets I got for a gig. My partner was then told she has to go into hospital the day before, So won't be able to attend. Made a claim uploaded the letter. Heard absolutely nothing. Complete scam of a company
Had to cancel trip due to my mother's cancer diagnosis. They would not refund my trip. Said they needed a "medical certificate issued and signed by a medical practitioner to support this claim". How ridiculous is that? These people have no souls. Absolutely reprehensible. Thank you for not believing the text message I forwarded to you from my mother revealing her cancer diagnosis. Outside of that, I proved to you my cancelled flight, but apparently that alone wasn't enough for you. It seems you are a requesting a signed document from her doctor, which in these circumstances, it so distasteful that I am questioning your humanity. Absolutely reprehensible! I really wonder at this point if you ever pay out claims at all. To anyone reading, I highly recommend never purchasing travel insurance in general, and especially not from this company who is the literal heart of darkness.
I had to cancel my trip due to health issues. I called to cancel the flight. They said not to cancel it before I talk to the insurance company. So, a month before I was supposed to leave I sent them documents. Then they asked for more documents including a document that wasn't even sent by the hospital in R.I. So, I sent them bills, a letter from the hospital, and even an appointment with my local physician. So, they sent me an email saying they needed more documents! I have NEVER canceled a flight until this one and they still have not reimbursed me three weeks after I was supposed to leave. I need this money to pay my medical bills but they continue to withhold it and keep moving the goalposts. SCAM! Do not use this insurance company and stay away from Booking.com. They are an absolute RIP-OFF!
The level of customer service is absolutely disgusting. I provided all required evidence upon initial submission of my claim. After several days I heard nothing so I sent you a message. A few days later I was sent an email asking for a bank statement. I sent a message advising you already had this. Several days later I received another generic email again asking for the bank statement. I again sent a message advising you already had this, but despite this I uploaded it again and to give me a call. Several days later I received no call, but low and behold I got yet another email asking for my bank statement. I again, sent this to you, cue several days later yet another request for my bank statement. I requested multiple times for you to call me to resolve it. You never once called. There is literally zero way to escalate this with you directly. You seem to put up all barriers for the customer to contact you. There is no way to get the situation resolved as all my correspondence to you fell on deaf ears and was as though I'd never eve tried contacting you. The only way I got this resolved was to go to revolut directly for them to intervene and to get the matter resolved. It was a truly horrendous experience dealing with you and would never recommend such a cowboy outfit to anyone. I'm only pleased my claim was for a small amount as I dread to think what the experience would have been like had I had a more substantial claim. If I was overseas and the claim had to be processed prior to a hospital treatment commencing for a major operation, I could see customers dying due to the painfully slow and incompetent process you have at xcover. You are an absolute shambles and a total disgrace of a company.
I had a terrible experience with XCover insurance company, and I want to warn everyone about their abysmal customer service and handling of refund issues. I had purchased their insurance policy with reference 7VG7Y-ERP3I-INS through Booking.com for my trip to Barcelona, Spain. Unfortunately, on the night of February 7,2023, at 01:30, I became a victim of theft at Barcelona Airport, resulting in a loss of 5200 Euros worth of personal belongings.
Naturally, I reported this unfortunate incident to XCover, expecting them to provide the support and coverage promised by their policy. However, my experience with them has been nothing short of a nightmare. After waiting for over a month and a half, they finally got back to me with a refund offer of a measly 500 Euros for all the stolen items.
I immediately expressed my dissatisfaction with their proposed refund, as it was nowhere near adequate to cover the loss I had suffered. I tried to negotiate with them through numerous emails, pleading for a more reasonable compensation, but to my dismay, I received no response whatsoever. It's beyond frustrating that a company would completely ignore a customer who is seeking help and fairness.
What makes matters worse is the lack of direct communication options with XCover. They have no phone number for customers to call, and their support tickets go unanswered, leaving you with no real means of resolving issues or seeking assistance in a timely manner.
In light of this abhorrent experience, I strongly advise against booking travel insurance with XCover. They have shown a complete disregard for their customers' needs and concerns, leaving me with the impression that they are more interested in collecting premiums than actually providing meaningful coverage and support when it's needed the most. Steer clear of XCover, as you're likely to find yourself in a similar frustrating and fruitless situation if you ever have to make a claim.
In my opinion, x-cover operates like a scam.
I will try to explain my experience below.
Back in March 2023, I purchased flight tickets for my family in Kayak, and insured them through the default X-Cover service. My parents got covid prior to the return flight and therefore missed the flight.
X-Cover refused to reimburse the return flight, which is not the main reason for my concern with the business.
What worries me is that this refusal feels systematic and part of their effort to exhaust the customers from seeking their refund.
First, they refused to respond to my questions prior to making a claim. For example, I sent three emails in April, with the following title: "What is the process to cancel my flight?" to both *******@xcover.com and *******@xcover.com but they never responded.
Second, they make the process difficult. For example, in early June, they asked for "Proof of cancellation," which I immediately sent, however, again about a week later, they made the same request. For the second time, I sent the exact same document, and somehow this time it was OK. It seems that randomly rejecting documents is part of this systematic deterrence strategy.
Three, their required documents are not reasonable. For example, for COVID, they ask for A "doctor's note" or official clinically certified test results that include, name, date of test, certificate signature, recovery date, practitioner address, and a separate official signature or stamp. It is like asking for a note with purple ink on a pink paper. It just does not make sense. Such an exhaustive list is intended only to deter customers, and not to verify the validity of their claim. While most people do not visit doctors today for simple covid symptoms, we provided unofficial tests as well as COVID prescriptions in the name of the patients. Yet, they refused to process the claim.
Finally, while the company does not provide a phone number for contact, their email responses are always generic, copy-paste material, which further confirms my claim that they systematically ignore customers.
Should they ever respond to this review, I am certain it will be another generic copy-paste BS.