XCover.com Reviews 55,951

TrustScore 4.5 out of 5

4.6

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the service for its simplicity and clarity, highlighting the easy-to-follow protocols that assist claimants. Consumers appreciate being kept informed at every stage, which makes the entire process straightforward and stress-free. Many reviewers specifically mention the speed and efficiency of the claim process, with some expressing amazement at how quickly their claims were resolved. People also value the user-friendly experience, noting that the online claim process is easy to navigate. The company's ability to handle claims promptly and professionally, even when additional information is needed, is a recurring theme. While opinions on refunds and payments vary, the overall sentiment towards the company's service, claim handling, and user experience remains highly positive.

Based on these reviews

Rated 5 out of 5 stars

I took out the insurance cover for my sensor bin at the time of purchase from Amazon, and I’m really glad I did. When the bin stopped working unexpectedly, I filed a claim – and to my surprise, the... See more

Rated 5 out of 5 stars

Perfectly sensible reasoning, fast service. I’d highly recommend to all! I submitted a claim for my damaged luggage, but I didn’t have the receipt as it was a gift and it was a no-name, no-brand suitc... See more

Rated 5 out of 5 stars

There is nothing worse than getting your trips cancelled and arranging other means to continue the trip. Xcover gave me the security of making sure we got our money from the cancelled tickets back as... See more

Rated 5 out of 5 stars

The claims process is completely trustworthy and helpful. For anyone using the system the compilation of records is essential. It may take time but each step is checked for the applicant. I feel co... See more

Rated 4 out of 5 stars

The clarity of what's requested is appreciated. I would have given 5 stars except there was one question that presented a dilemma. In the first instance it asked "when were you aware of this" or wor... See more

Rated 4 out of 5 stars

Was easy to fill out and answer any questions pertaining to our claim. Locating the required documentation needed for the claim also was ease as we had everything and then the car rental Ecovia Lamez... See more

Rated 5 out of 5 stars

I have a vintage TD Ford Cortina. I am going to the Cortina Nationals at Bathurst NSW on 03/10/25 until 06/10/25. Last time l stayed at a motel in Bathurst, vandals screwed cigarette buts into the... See more

Rated 5 out of 5 stars

Very pleased with my plan. I reserved an expensive trip and insured it with XCover, then sustained an injury the week prior, so I couldn’t go. I simply uploaded a copy of my doctor’s report (and direc... See more

Rated 5 out of 5 stars

What is a truly heartbreaking time for myself and my family was made easier by the insurers on what really is a very straightforward process leaving you satisfied that you have done the one thing y... See more

Rated 5 out of 5 stars

All the info was given clearly and double checked. I THINK I've got this...although it is my first time getting a ticket in this way. The one thing I do not understand down below is where it say Ref... See more

Rated 5 out of 5 stars

Wondering if insurance is worth it? I bulked at paying the small premium on top of my ticket prices, but so glad I did. When I was unwell and couldn't attend, I found the claim process very simple, t... See more

Rated 4 out of 5 stars

For emergency contact available only the phone in the UK. No messengers no chat form. So I basically had to find the medical provider myself. As a Revolut customer I have to provide all itineraries ab... See more

Rated 5 out of 5 stars

Airline cancelled my flight. Since I have to change flight dates and airlines I need to cancel the travel protection I originally purchased. After I informed Xcover about my predicament, it processed... See more

Rated 5 out of 5 stars

I was forced due to injury to make a claim in 2024 and the process was very simple which in turn removed any further stress from an already stressful time. Having this cover for an event where the h... See more

Rated 5 out of 5 stars

Used for an Amazon product. Have had such bad experiences with insurers before but XCover actually paid out on what was a legitimate claim and did not drag out the process. They were prompt in request... See more

Rated 5 out of 5 stars

I would highly recommend XCover.com to everyone. When I booked my trip, I was really excited and couldn't forsee anything going wrong. However, I insured my trip (just in case..), with XCover.com fo... See more

Rated 5 out of 5 stars

I purchasd this at a great price to be covered for 3 years which includes accidental damage such as stains. This gives me great peace of mind for when I have the little grandbabies around.

Rated 5 out of 5 stars

Great service. I had to claim three times the past 2 years and XCover were extremely professional and extremely quick with reimbursement. Honestly, the best insurance provider out there!

Rated 5 out of 5 stars

I have only had experience obtaining the coverage. I have no idea should a claim arise how well it will be handled. The time to ask a customer to rate is not before a trip, rather after a trip.

Rated 5 out of 5 stars

“I recently purchased insurance for my rental car through RentalCover.com , as recommended by several acquaintances who had positive experiences with them in the past. They offered a variety of c... See more

Rated 5 out of 5 stars

I usually don’t book without free cancellation. However, it was not available for the booking we wanted and this gave us reassurance so that was a great find.

Rated 5 out of 5 stars

Offer of insurance cover was simple, clear with one follow up email that involved a few more questions that took no more than 2 minutes overall. The cost of ticket cover seems fair to me

Rated 5 out of 5 stars

If I had started the claim knowing what type of files would be accepted first, I would have saved a lot of time. I had trouble saving my emails as a document. The files I saved my email as were not... See more

Rated 5 out of 5 stars

The last event that I attended, I could not prove that I purchased the ticket that I bought on the second row, center. I had to purchase an additional one if I wanted to watch the show. The whole... See more

Rated 5 out of 5 stars

XCover provides first class insurance cover at an affordable price and have a comprehensive and well laid-out web site. They are a pleasure to deal with. Thank you.

Rated 5 out of 5 stars

X Cover have a precise easy to follow protocol to assist claimants. It is easy to use and you are included and informed in every stage of redressing what had been a stressful experience. A straight fo... See more

Rated 5 out of 5 stars

Ki just got this cover , it seems like a great idea but I haven't made a claim and hope not to need to make a claim but it a peace of mind to know if Itvgsts broken I Can get it fixed promptly .

Rated 5 out of 5 stars

Handled a claim regarding a fall on holidays in 2 days.No drama whatsoever once documents were correct.Incredible service.never seen anything like it.super product.

Rated 3 out of 5 stars

The process using the online claim was simple but did not allow me to start the claim and submit evidence docs later. As I was claiming for a cancelled outard and return trip, and although I knew in a... See more

Company replied

Rated 5 out of 5 stars

Within the same week of sending a claim, I got follow ups and a resolution. Over expectations! Been years since I had anything to do with insurance and this is a good first experience with this cov... See more

Rated 5 out of 5 stars

I had an unexpected illness and was unable to attend an event I had paid for. The process of filing my claim with my medical documentation was super easy for which I'm so grateful because I was in al... See more

Rated 5 out of 5 stars

Very smooth transaction and the assistance was great. Even with the time difference because I was in the Philippines when I had the medical emergency, it was very handy to be assisted by Xcover online... See more

Rated 5 out of 5 stars

I unfortunately had to miss a Shawn Mendes concert due to an unexpected illness, and XCover was there to protect me and my big ticket purchase! Thank you!

Rated 5 out of 5 stars

Appreciate the quick turnaround in responses to my questions as well finding a solution to my concern. Thank you Alena M and Victoria B! Appreciate both your supports!!

Rated 4 out of 5 stars

I'm amazed & appreciated the Coordinated efforts and Speed with Timely Delivery as promised. Keep up the excellent work done. Thank You.

Rated 4 out of 5 stars

The only reason why I did not give a 5 stars was the process to submit a claim was a bit daunting and somewhat confusing. Uploaded all the attachments and my claim was approved.

Rated 5 out of 5 stars

I always pay for travel insurance with xcover for my travels and never needed assistance until now to cancel my flights due to sustaining an injury prior to my trip. The claim experience was straightf... See more

Rated 5 out of 5 stars

Clear actions to take when we couldn't attend a concert due to illness. Easy process and prompt reimbursement.

Rated 5 out of 5 stars

I had contacted xcover because my partner fell ill on the date we were supposed to get away. I am so happy the hotel stay was insured. I had a very prompt response to claim. Thank you.

Rated 5 out of 5 stars

The process was so simple and understandable. Claim was processed very quickly and money back in my account immediately.

Rated 5 out of 5 stars

I'm a repeat customer and always found this company to be customer focussed and friendly. Their website is easy to navigate.

Rated 5 out of 5 stars

I have traveled insurance. Priceline can reimburse my money for the cancellation of the two day hotel room.

Rated 5 out of 5 stars

easy to file a claim, with fast results. really couldn't ask for a better experience.

Rated 5 out of 5 stars

This was a simple process to obtain the cover we needed to hire a car with insurance cover.

Rated 3 out of 5 stars

I will wait to see how this goes through when I have a legitimate reason for cancellation.

Company replied

Rated 5 out of 5 stars

Very easy to fill out the forms and the entire process was super quick and efficient!

Rated 5 out of 5 stars

The way how I applied for my claim was super easy, very well explained, 3 simple steps. After I missed to upload a document I received a message saying that I need to upload a missing document. Afte... See more

Rated 5 out of 5 stars

I purchase XCover for an event a few months back. Unfortunately I was unable to attend due to illness. Filing a claim and uploading a doctor’s note was so easy to do. I received emails and confirma... See more

Rated 5 out of 5 stars

Fantastic sound.. Deep thumping Bass, smooth vocals and tight treble. Very surprised by this small but POWERFUL dongle. NUICE...

Rated 5 out of 5 stars

I’m very pleased with my experience using this insurance company. The claim process was fast and straightforward — they reviewed everything quickly and made the payment almost immediately. It’s rare... See more

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Company details

  1. Insurance Agency
  2. Insurance Broker
  3. Travel Insurance Company

Written by the company

XCover makes insurance simple, fast, and stress-free - which is why millions of global customers trust us to protect the things they love and do. Our worldwide, follow-the-sun support is right here when you need a helping hand - anywhere, any time. When it comes to claims, no one likes to wait. We've replaced snail mail and paper trails with an easy online process and instant payments. You can trust us, as we are backed by some of the world’s largest insurers.


Contact info

4.6

Excellent

TrustScore 4.5 out of 5

56K reviews

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Replied to 98% of negative reviews

Typically replies within 48 hours


Rated 1 out of 5 stars

⭐☆☆☆☆

⭐☆☆☆☆
Scam-like service — don’t waste your money!
We bought XCover protection with our event tickets, thinking it would give us peace of mind in case something unexpected happened. Unfortunately, my friend broke her arm before the event — a real medical emergency — and they still refused our claim because the incident happened slightly outside their “coverage period.”

If you buy something called refund protection, you’d expect it to actually protect you in emergencies. Instead, XCover hides behind fine print and impossible timelines. There’s no real support, no flexibility, and zero compassion.

Honestly, this feels like a scam. Don’t pay for this “protection” — it’s completely useless when you actually need it.

October 17, 2025
Unprompted review
Rated 5 out of 5 stars

Claims management by XCover claims…

Claims management by XCover claims handler was of great value referring to clear communication and speedy settlement of a claim in 2024. XCover equals quality of settling claims and time management herein the Japanese insurance company I work for in the Netherlands practices as well. So this great experience with XCover I like to share with you.

April 26, 2025
Unprompted review
Rated 1 out of 5 stars

Genuine claim refused and endless delays — extremely poor handling

I’m deeply disappointed with my experience with XCover / Cover Genius.

I submitted a genuine accidental damage claim for my phone back in August 2025 while I was on holiday. The phone was damaged beyond repair, and I uploaded all the requested documents promptly — proof of purchase, proof of use, photos, and even a video clearly showing the date, my hotel wristband, and the context of the incident.

Instead of processing the claim, XCover kept asking for irrelevant or impossible documents, such as:

Proof that my SIM card or IMEI was cancelled, even though the phone was damaged (not stolen).

“Proof of current market value,” even though I provided the original proof of purchase.

“Incident reports” from third parties (like banks or airports) even though this was simply accidental damage, not a theft or medical emergency.

Each time I complied, new obstacles appeared. It’s now been well over 8 weeks since my original submission, and they still haven’t resolved or responded properly.

When they finally replied, they declined the claim, stating it was “outside the protection period” — even though the damage occurred within my coverage dates, and I submitted my claim on time. Their reasoning simply doesn’t match the facts or their own policy wording.

They also don’t provide a working phone number, ignore messages, and make it impossible to speak to a real person. I’ve now considering escalating this to the Financial Ombudsman because this feels like deliberate stalling and avoidance of legitimate claims.

If you’re considering buying XCover insurance — think twice. The process is frustrating, non-transparent, and unfair to customers who do everything by the book.

October 17, 2025
Unprompted review
Rated 4 out of 5 stars

XCover is competitive and reliable

XCover are competitively priced and have paid my claim after doing due diligence. Getting all the information was fairly onerous but I doubt other insurers would be any easier. The web platform worked well and was intuitive. I would recommend XCover.

October 17, 2025
Unprompted review
Rated 4 out of 5 stars

too needy

its just alto of work and I had an assistant who did most of the work.


I am trying to tell you about my experience and not sure it will go through ... I do not havefb and hate google

October 1, 2025
Unprompted review
Rated 5 out of 5 stars

So far so good

So far so good. I've used their service twice. First time no problems. This time a deer ran into the fender of my rental car in PA and so far the process to submit a claim has been easy and streamlined. As long as my claim is not denied then my opinion of Rentalcover.com will remain 5 stars and I will use them again.

October 16, 2025
Unprompted review

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