XCover.com

I had to cancel a holiday to Bali due to illness. I've given up trying to get a penny back from XCover. Can't imagine what it would be like getting sick on a holiday and having only Xcover to help you. Show details

Extremely disappointing experience with XCover. I had to cancel my vacation for legitimate medical reasons and submitted the documentation requested for my claim. Instead of processing the claim, XCover continued requesting additional documents, including a bank statement and photo ID. I provided everything requested. Now, more than a month… Read more

later, my claim is STILL stuck in “processing.”

The most frustrating part is trying to get an actual answer. Emails appear to result in automated/AI responses that don’t address the claim itself. I am repeatedly being told to check my account for updates, while the account continues to show the exact same status.

So what exactly is being “processed”?

If additional information is required, tell me specifically what is missing. If the claim is complete, review it and make a decision. What isn’t acceptable is holding a claim for over a month while providing no substantive explanation or timeline.

I’ve already supplied sensitive personal documentation as requested. At this point, I expect an actual human claims representative to review the file and provide a meaningful explanation of the delay.

EDIT: Still unresolved. XCover has responded again with another automated message, but nothing has actually been done regarding the claim. The status remains “processing.”

A response telling me to check my inbox/account isn’t a resolution when the problem is that the claim itself hasn’t moved.

Over a month waiting. Documents submitted. No meaningful update. No decision. Just automated responses.

This is not an efficient claims process. FAR6V-6C64P-INS

THE WORST!!! Do not use XCover travel insurance if you think you may need any of the services they sell and unless you are prepared to waste literally days being bounced between Booking.com's dreadful customer service (including incorrect advice if you receive any at all), and XCover's TOTAL lack of service. XCover only allows email contact, and… Read more

you can expect to wait 30 days per response. What would happen if you actually needed medical assistance???? Both companies use AI bots for most of their "support", and the only easy part is when they take your money. After that point, literally every step is a total nightmare. I would advise anyone thinking of using these companies to simply cancel their holiday plans rather than book with them.

Via a third party website, I booked on an… Read more

Australian domestic airline choosing Aunt Betty which is a recently established, low budget addition to Flight Center. Excellent price and easy to book. Lots of add-ons on the Aunt Betty website and I inadvertently booked XCover insurance. When I realised I already have travel insurance I tried to cancel this via Aunt Betty and was referred back to XCover. Tried to cancel via XCover website but re-directed back to Aunt Betty. Rang Aunt Betty and was told I could only cancel via XCover. Explained XCover website re-directed me back to Aunt Betty and asked to speak with a supervisor or Customer Service person. Aunt Betty agent hung up. Sent a compliant via the XCover insurance confirmation email. Response: "Please contact Aunt Betty to cancel your protection. Unfortunately, we are unable to cancel your protection through XCover." Neither company is willing to cancel the insurance. Have since had 3 emails from XCover stating that they are reviewing my complaint.

Do not use their services, they denied a full refund, before 10 days of departure. The premium is excessive for their fine print exclusions. I would not bother to deal with Xcover, I write it off as a bad experience. Show details

Steve B. Steve B. 2 posts Awful! We purchased the insurance. Our son passes away and they would not refund the amount due to the funeral was planned 10 day out so family out of the country could attend. I even provided documentation. They shared… Read more

there was a deductible. I do not recommned. I did try to appeal.

Destination: EuropeClaim Made: Yes XCover.com XCover.com 2w Hi Steve, Thanks for your feedback, we’d like to look into this properly. We weren’t able to locate your case based on the details here. Please contact us via our support form (https://www.xcover.com/en-us/contact-us) and include reference TP-7131372 so we can link your request to this review.

To help us find your policy quickly, you can include one of the following:

– Policy or booking reference (ending in INS) – Partner reference number – Email used at purchase

Once we have this, we’ll review your case and follow up.

The XCover Team

Steve B. Steve B. 1w Thank you. We did send a response today as directed above. Thank you in advance for taking the time to look into this. We did follow up. We have tried several times. Sometimes we get a response and sometimes we do not.

WE RESPONDED AND THEY NEVER DID ANYTHING! THEY APPEARED TO LOOK INTO BUT NOTHING CHANGED. STAY AWAY FROM XCOVER

I purchased tickets protection thru the ticket vendor and they used xcover.com to get the ticket insurance. I unfortunately had a change in health and provided a medical certificate and my claim was approved within 12 hours for a full refund. They were easy to deal with and the online claim process was simple. I'm so greatful Show details

Took Xcover cancellation on 10k Cosmos tour in September- cost around $200 and well worth it. When husband diagnosed serious illness a couple weeks ago and we had to cancel, cancellation fee was the deposit paid. Claim was relatively simple, online, with documents demonstrating cancellation fee and husband's diagnosis. Claim paid within 1 week, in full and no fuss. I would use them again. Show details

I thought, XCover was a scam – I received refund after I posted reviews online. It was a happy ending after all. Show details ·  1

We used XCover for a recent trip to Bali. I broke my ankle, badly, and required emergency surgery. It was impossible to get human contact with XCover. The phone number provided is disconnected. Their site is difficult to navigate. Huge delays in responding to emails, and had we not been able to cover the almost $25,000 AUD I hate to think how… Read more

long I would have had to wait in Kuta hospital emergency department waiting for surgery. it would have been DAYS. Once we got home, It took almost 4 weeks for our claim to be paid out. Injuring yourself in a foreign country is stressful enough. XCover dramatically added to the stress. I DO NOT RECOMMEND THIS COMPANY!!

Extremely disappointing —money wasted on XCover insurance Our experience with XCover was extremely disappointing. In June 2026, we missed our flight because the airline issued my boarding pass incorrectly, despite me presenting my passport at the… Read more

airport counter. This was completely outside our control.

We purchased XCover through Booking.com expecting protection and assistance when things went wrong. Instead, when we made a claim, XCover refused to compensate us, hiding behind the **“MISSED DEPARTURE”** clause, claiming it only applies when transport to the airport fails or is delayed.

XCover provided no meaningful assistance when it mattered most. We feel completely let down and would not recommend this insurance. We were not compensated for the replacement flights we had to purchase, leaving us AUD 1,600 out of pocket, including the cost of the insurance.

My trip with Delta/KLM got canceled and no replacement travel options were available, so I had to cancel my trip. When I booked my trip, I also took a travel insurance with XCover.com ( $74 ). When my trip got canceled I went into my XCover account to cancel my insurance since I could not use it. In my account I was offered to Delete/Edit my… Read more

insurance. When I tried to Delete it, it came up a box that said that I could not delete at this time and that I should contact XCover to get help. I did so and provided proof of my deleted flight. I received what looked like an automated answer that I should do what I had done and if that didn't solve my problem I should reply to the message I had got and they should help me. That was the last I heard from XCover. I have sent messages to them and asked for some form of response. None! I consider my $74 gone. I am just glad that it wasn't a high amount claim that was treated like this. To me, this company has showed their business idea and I think this is something that BBB should look into. XCover.com is not going to get more business from me and I hope this can be a warning to other travelers. There are other insurance companies that have an honest business idea.

well here we go.. i get a letter saying that they cant find my insurance cover that i purchased through luxuryescapes when booking our trip to thailand.. so today the 4th of august 26 , i wrote to them and attached the certification of the protection/tax invoice to show them yes we bought cover.. paid $169.87 and answered all their questions and i… Read more

also received a letter form Luxuryescapes which i attached to the same letter back to XCOVER. i am really pissed off that now they are saying they cant find our protection when giving both names and emails.. wtf is going on... I will never use Xcover again watch out they are scammers.. im waiting now on all the info i just sent them to see what is next,.. or are they doing this to stuff me around and then tell me its to late to claim ... i even spoke to luxuryescapes and told them what im going through and asked them to put this on their files as i did say that luxuryescapes should not be affliated with a company that wont even acknowledge their customers. DONT USE XCOVER.... run dont walk...

Don't waste your time. They are not going to honour anything. My flights were changed by Jetstar, which meant I needed to take an extra two days off work, which I couldn't. I was able to cancel my flights and get a refund. Unfortunately, I needed to pay 1 days accommodation to cancel that. I was claiming back $380 and was rejected because my… Read more

flights weren't cancelled due to industrial action. Don't waste your money. They are actually owned by booking.com. So I will NEVER EVER book through booking.com due to this. They are just out there to rip you off.

I would like to share my disappointing experience with XCover. Despite purchasing what I understood to be a top-tier travel insurance plan through Booking.com, my claim experience with XCover was extremely frustrating and unsatisfactory. I had to cancel my flight due to a serious medical emergency involving my brother, who required urgent… Read more

surgery. Before cancelling, I contacted Booking.com, explained the situation and the reason for cancellation, and was advised accordingly. However, XCover repeatedly declined my claim, stating that it related to a pre-existing medical condition.

While I understand that insurers have policy terms and conditions, I found the handling of my case to be rigid, unsympathetic and lacking in compassion given the circumstances. The situation was already emotionally difficult, and the repeated refusals made the process even more stressful.

As a result, I lost more than $1,350 and also had to book a new return flight back to Australia at additional cost. I expected far better support and understanding from a travel insurance provider, especially after purchasing a high-level cover option.

Overall, my experience with XCover was very disappointing. Based on this experience, I would find it difficult to recommend XCover to others, particularly to travellers who expect genuine assistance during emergencies.

I purchased insurance for a designer bag i purchased so I could return it if I didn't like it. I ended up returning the bag. Xcover received the item 6/25/26. I have documents from USPS tracking showing delivered to a person. I have reached out to Xcover multiple times via email with absolutely zero response. I have been completely ghosted. They have my bag and I'm out $1240. Don't bother buying insurance from this company. Total scam. Show details

I can’t seem to get a human to respond to any emails. I would like my money refunded as I only signed up for this 20/6/26 on booking. Com website after reading reviews on this company I have lost faith that I am actually insured. Show details

Because 0 star isn't an option, 1 Star. I will never purchase XCover Protection again. The idea that customers are only allowed to cancel within an arbitrary "cooling-off period" is absurd, especially when no claim has been made and the service is no longer wanted. Consumers should have the ability to cancel a protection plan they are paying… Read more

for, regardless of whether a company-defined deadline has passed.

Instead of offering any flexibility or customer-focused solution, XCover simply pointed to their policy and refused the cancellation request. Policies like this feel designed to lock customers into a product rather than provide value or protection.

This experience left me feeling trapped in a service I no longer want, and it has completely eroded my trust in the company. I will not be using XCover in the future and would strongly encourage others to carefully review the cancellation terms before purchasing.

Oh my God what a scam! I wish I would have read the reviews. I had surgery and they still deny me after my doctor hand wrote all the information that was required and I uploaded every piece of document possible known to man kind and they still… Read more

denied me! Then they make the appeals process impossible to follow with no quick links and only articles to follow to read leading you into nowhere land! Two piece of s*** company! I'm so angry I can eat nails and have a better experience than I did with cover. OF COURSE it's easy to sign up like the reviews give praise to but come to use the company and it is a down right SCAM!!!!

If I could rate them negatively, I would. Avoid booking with this company if you have a work trip change. They refuse to refund you. I hope everyone sees this. Even reporting a claim, they will deny you. Show details

i bought there coverage as i am a wildland fire fighter and new there was a decent chance i would have to cancel my fight this ended up happening and when i made my claim i was denied even though my reason for missing my flight was fighting a forest fires if they can deny me for that i would assume they will deny anyone for anything there coverage is not worth a dam thing. do not use them it is not worth the money they are a scam. Show details

I booked a LuxuryEscapes holiday and took out “cancel for any reason” insurance with XCover. I had to cancel due to my husbands health. I submitted a claim and then spent the next 3 weeks being asked for more and more documentation even down to pathology reports. In the end with 3 days u til the commencement of the holiday I took the offer of a… Read more

credit from LuxuryEscapes. Miraculously a couple of hours after accepting the offer XCover approved the claim. Too little too late. Avoid this insurer.

This policy appears to be intentionally difficult to claim against. The supporting documents they require are unreasonable, and despite three frustrating months of trying, I have been unable to reach anyone who could genuinely assist with my claim. The only communication I received was repeated requests for excessive and unnecessary documentation. I strongly recommend reconsidering your options before choosing this cover. Show details

I accidentally clicked on Expedia to include insurance on my hotel stay , after realising my error I contacted xcover to cancel and they would not allow me to DO NOT USE Show details