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
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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
Sydney, Australia
- xcover.com
Replied to 98% of negative reviews
Typically replies within 48 hours
⭐☆☆☆☆
⭐☆☆☆☆
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.
Easy process
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.
very easy to use and good peace of mind
Prompt service with sending documents
Easy to fill form providing you have…
Easy to fill form providing you have all information
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.
Easy to use.
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.
Easy and straightforward process to…
Easy and straightforward process to give peace of mind in a worse case scenario.
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
Easy to do and user friendly
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.
The service was easy and quick for my…
The service was easy and quick for my cancellation.
Very easy to use
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