XCover.com

Worst I have ever seen it has kind of deceiving Customers about the insurance and when it comes to cancel in an out of hand circumstances you didn’t pay at all , we will never use it again. Show details

Horrible company. They do not respond to any of your emails or texts and their payouts are extremely low although you had a good policy. I do not recommend this company to anyone. Been trying to reach them for weeks and they do not care at all!!! Horrible scam!!!! Show details

I put a claim in 9 days ago it took 8 days for a response , now it's a continual obstacle coarse asking for more information the same as they already have so now it's to and fro and obstacle after obstacle very dissapointing Show details

Shocking Company , Flights cancelled , gave notice well within my Policy conditions. Can you believe they knocked my refund back due to their own incompetence in getting back to my email 3 weeks later. NOT worthy of any of my , nor my families… Read more

Business. Look elsewhere, Imagine NEEDING your insurance and this is how they operate. Unscrupulous Bussiness!

DO NOT WASTE YOUR MONEY. Absolutely rip off. Would have given a 0 if I had the option. They don't pay out. I purchased to reclaim train tickets incase anything happened. Well, unfortunately it did happen and the person I was travelling with was… Read more

unable to go and in the policy I supposedly covered for this. But suprise they refused to pay out because beyond my control I was unable to provide a certain document.

PLEASE, PLEASE think carefully before taking out this policy I don't want other people to be ripped off. I shall certainly not use or recommend this company to anyone. I will also expect to get the generic copy and paste response everyone gets as they can't be butted to type a personal response, says it all really Happy to help my butt.

Unhelpful, do not reply to emails. Take you funds and that’s it. No more assistance. Do not buy this insurance. If your in an emergency situation they is no help. Show details

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

Fast and efficient – Had Tyler come and do some egg draining for us. Very knowledgeable young man who get the job done quickly and efficiently. Told us exactly what was needed to be done and would explain it very clearly. Very happy with his work. Show details

Dodgy ! Like giving them a donation. They do not get back to you and invent wild and wonderful way to deny a claim- impossible paper work. And auto generated denial. NO CUSTOMER SERVICE. possible AI? AI will always find a way to deny .No timely clarity about what they cover. Show details

It was offered as an extra on booking.com and the description was deceptive saying it would cover you travel (not just to]he one booking for that day. EXPENSIVE if you were to use it all the way for your holiday. I booked it for a one day booking, then when I realised it was for just that one day I tried to cancel it immediately but they refused. Wasted money! Don’t use them. EVER!! Show details

I bought x cover with my flights, through booking.com. Then my travel date changed. I contacted them so many times to ask to amend the period of insurance. Someone responded telling me that I can change it online. I tried, it didnt work. I emailed and emailed again, still no response. Then I made my trip, bought insurance from other company… Read more

(technically paid double for insurance). Then on the very last day of my trip they responded saying “it’s not possible to amend the date”. Luckily I didnt wait for them to reply or I would have been left uninsured for my trip. I definitely will not use this company again and do mot recommend this company.

This review is a follow up to my review of this company, made on 3/4/26. Only one star offered, for a totally unsatisfactory experience with XCover.com. My main criticism - poor customer service/support, claim denial. There seems to be a string of negative reviews for this company, and here is another one. After waiting 3 weeks for my claim to be… Read more

acknowledged and settled, I finally received an Email from XCover.com yesterday, saying that they could not find my Claim under the policy number provided. My claim was for a flight cancellation with Trip.com. The circumstances of my claim were emailed to XCover.com on 31.03.26. My policy was 'Comprehensive Travel Protection', with a 'Cancellation Guarantee'. Insurance protection cover period was 25/3/26 - 30/3/26, yet XCover.com cancelled my protection on 27th March. My claim for flight cancellation costs was submitted immediately following this (28.03.26). Trip.com refunded a small amount of the flights costs and suggested that the remaining costs be claimed from XCover.com.

XCover.com have refuted my claim. The statistics ratings on Product Review speak for themselves, i.e. 2 1/2 Stars out of 5 for this company.

I would not recommend XCover.com for travel insurance.

I purchased a policy on the 2nd April only to find our flights were cancelled by Qatar Airlines the next day. A copy of the cancelation from Qatar Airlines was included with my claim. I have emailed several times to cancel the policy with no response. Do not use this company, I used their site on Bookings.com. Be very careful not to enter their… Read more

site as the money is taken out of your account instantly without any notice. After reading other comments onsite I think this company is scamming people. Very disappointed

purchased Xcover as a safe guard on a trip to indonesia... In short, had a Major Heart condition and was unable to fly (cover did cover flights) .. They took forever to process and denied the claim!! What the hell was i paying for?? I would strongly discourage anyone from using this company. I am also not one to generally leave a review Show details

Disgusted with this company left my sunglasses on a table in a cafe. Went back as soon as i realised but they were gone and had not been handed in. Acourding to xcover your personal belongings are not covered for loss or damage or by you leaving something somewhere.So have no idea what the policy is good for thankfully it was not a huge amount Show details

I purchased this to cover my trip back in 2024 to Wichita Falls, TX. I specifically got it to cover my hotel stay. I ended up getting sick and was unable to go due to my type 2 diabetes. XCover.com denied my claim, stating it doesn't cover issues that arise from pre-existing conditions. I lost the money I paid to both XCover.com and the hotel. This company is a scam; you'd be better off just taking a risk. XCover. com is a waste. Show details

I couldn't get a refund on two tickets I purchased because there was a devastating bushfire that took out 14 houses on the route to Sydney and the trains and freeway was closed. Technically it wasn't a "Railway Strike". It would have cost double what I paid for the tickets to get to the venue. Absolute garbage insurance. Show details

Beware. Scam. My one star is pretty much the same reason as every other 1 star review. Zero customer service, it’s hard to discuss semantics and ‘wording’ of the product I bought with AI generated emails, they made assumptions of my situation without contacting me. They even told my tour operator I had inadequate paperwork without requesting more… Read more

before declining. Mine was a cancellation of a tour for medical reasons. You think you are covered but when you cancel your tickets and make a claim there is no going back so you are stuck reading the same generic emails, freaking out over the money you have just lost, vague reasons for declining and no customer support whatsoever. I was made to feel like an id*ot, I still do to be honest. Ambiguous and certain wording of the travel insurance product allows the company to have many excuses not to pay. It makes it extremely hard to argue against. You shouldn’t have to be a lawyer or underwriter to understand a travel insurance certificate/ product before you make a claim. You also shouldn’t have to find the ‘fine print’ and exception's through links in your certificate instead of being included on your certificate and initial product email. One of the reviews on this site even states they asked them first prior to making a claim and said they were covered and they weren’t. I am disappointed mostly due to the fact that they were recommended and sold to me by Lux escapes and it surprises me they sell such a product, I trusted them as a company so I bought it without due diligence on my part. I do normally read internet reviews extensively prior to buying insurance, after a short period of time researching Xcover I certainly wouldn’t have used them and or tried to make a claim and used a different avenue if possible to recoup the money I spent on this tour or changed dates. There is many other cheaper products out there that are actually ‘comprehensive’ with certificates and products with clearer wording, and who have actual customer service and support.

I purchased protection for a hotel reservation I booked that I had to cancel (within 24 hours of the booking) do to a flight cancellation for a major storm. XCover is very misleading when they offer you coverage, and actually cover very little. I encourage people to read through the terms and conditions thoroughly because this insurance company is a complete rip off. Don't purchase this protection without doing so, waste of money Show details

Terrible service . Spent the money on the insurance for my concert ticket . Due to ongoing illness treatment I couldn’t attend and yet they refused to refund my ticket money. It was on the weekend , so I couldn’t get to a doctor . Provided all the documents I could get , but still that wasn’t enough. Don’t waste your money on the extra insurance.. Show details

First claim ever and had the bad luck to use this scam business ..The biggest scammers I've seen..Avoid..They take your money and will deny your claim and become unreachable..How can this be legal? ..Expect to escalate to the ombudsman Show details