XCover.com Reviews 55,086

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 straightforward and efficient claim process, highlighting the ease of submitting necessary documents and the speed of communication. Many reviewers appreciate the user-friendly online portal, which allows them to track claim updates and simplifies interactions. Consumers also value the clarity of instructions and the overall stress-free experience, particularly during difficult times such as medical emergencies or event cancellations. People report that the company is professional, thorough, and precise in handling claims. A significant number of reviewers express satisfaction with the quick reimbursement process, some even receiving their refunds within a few days. The reasonable pricing and comprehensive coverage options are also frequently mentioned as positive aspects of the service. Overall, customers feel secure and well-supported by the insurance coverage provided.

Based on these reviews

Rated 5 out of 5 stars

The Movado store at The Carlsbad Outlet was outstanding. The sales staff was courteous, knowledgeable, professional, and extremely helpful in helping us with the process of picking the best watches... See more

Rated 5 out of 5 stars

I needed to claim recently for an item which was covered by your cover for three years. After l received the correct information from Wayfair how to claim, l was put into your hands and from then on y... See more

Rated 5 out of 5 stars

Unfortunately could not attend a gig due to a medical issue. We had taken out the missed event insurance and as we could not sell the tickets had to make a claaim agaisnt the policy, this was all done... See more

Rated 5 out of 5 stars

The whole process was easy to understand and put into practice. They understood the nature of the injury in relation to the event and payment followed. Common sense was used which is refreshi... See more

Rated 5 out of 5 stars

I had to cancel an event due to unexpected surgery after a wrist fracture, and I was so thankful I had purchased XCover. It was my first time using their insurance, and the whole process was simple, q... See more

Rated 5 out of 5 stars

Professional process with no unnecessary friction. No strange pushback. Just simple and clear requests to show proof of damage, proper packing, etc., and then an instant payment for the damaged good... See more

Rated 5 out of 5 stars

Very self explanatory and user friendly Worth every penny because you never know what can happen. Grandpa always said an ounce of prevention is worth 10 pounds of cure.

Rated 3 out of 5 stars

I purchased the insurance for the possibility of inclement weather however my guests wwere ill for the Sunday night event. With an outside venue the loss of my hard earned money was adequately spent.... See more

Company replied

Rated 4 out of 5 stars

It was surprisingly easy to make a claim online. I just had to attach to the claim a copy of booking, a no show letter from Ryanair and since I was unwell a certificate from doctor that I could not tr... See more

Rated 4 out of 5 stars

My only complaint would be that I don't have a phone number for RentalCover.com. That would have been helpful and you'd get better information if that had been provided to your US customers.

Rated 5 out of 5 stars

Easy to complete paperwork and quick. Some boxes weee auto filled which was a positive. Slight confusion as to whether a question meant all tickets I had purchased for summer events for children or j... See more

Rated 3 out of 5 stars

It’s a very nice flight with piloting but we delayed without any refreshment and we were left are the airport ajar but hoping there will be future changes thank you

Rated 5 out of 5 stars

Responding quickly and in a positive manner to queries, even when I cancelled. My passport arrived on time after all and so I was able to book insurance, just for my sister this time. You have a plea... See more

Rated 5 out of 5 stars

I have had to interact little with Xcover but all interactions were great! The process is all automated, responses are quick and works absolutely fantastic. So far I'm delighted with this insurance.

Rated 5 out of 5 stars

This whole process has been so easy and well I wish I was able to actually take my trip. I’m grateful I purchased the added protection and made a very stressful situation a little bit easier.

Rated 5 out of 5 stars

Super quick and hassle free claim process! I am so glad I opted in because it allowed me the opportunity to make an unexpected change in plans in order to spend more time with my granddaughter!

Rated 5 out of 5 stars

Everything was smooth and without delays if you follow the instructions. Excellent service. Had trouble with car rental company, but xcover took care of it!

Rated 5 out of 5 stars

It was very easy to avail a claim in Xcover. The whole process happens online and the response between each step is considerably immediate. It also took just a day or two after submission and assess... See more

Rated 5 out of 5 stars

So far it's all good, the price was reasonable and I did not know there was also a complimentary 3 day e-sim, which could come in handy. However, initially my coverage was started on the day of paymen... See more

Rated 5 out of 5 stars

XCover provided a very safe place for me to give the necessary documents needed to get my claim approved. A professional and structured process is in place to submit documents. The team they have in p... See more

Rated 4 out of 5 stars

Very easy to follow which lessons the stress when having to makes a claim especially when a trip had to be canceled because of a medical emergency. The situation is already stressful under those circu... See more

Rated 5 out of 5 stars

This is the first time I've had to use this insurance. It was easy to open a claim. My case was very clear: I found out some marks on the car door and handle, the car rental company had to inspect it,... See more

Rated 5 out of 5 stars

Car insurance claim quickly solved and approved. I had to pay for a damage in a rented car while in Japan and I was expecting all sorts of pushback. Instead the process was super smooth, much better t... See more

Rated 5 out of 5 stars

I never used such Travel insurance before. Excellent and quick responses and information request to the point, unlike other travel insurances that i have used in the past they ask you so much complica... See more

Rated 5 out of 5 stars

As soon as I purchased this insurance I got an email to confirm my purchase. I received updates and I was able to sign up for an account. Excellent service so far, hope to enjoy the coverage offered w... See more

Rated 3 out of 5 stars

Because travel can be fraught with delays these days, the insurance has given me confidence to book and hope all travel plans go well

Company replied

Rated 5 out of 5 stars

We purchased a watch for our son’s birthday. The prices are amazing there. This is like the fourth time I buy something there and always find good quality watches and amazing prices. Totally recommend... See more

Rated 3 out of 5 stars

My experience, at this point, is incomplete. I can't judge the quality of the insurance or of the insurance until my claim has been paid back.

Company replied

Rated 5 out of 5 stars

Took out XCover insurance for team Adventure race but 3 days before the competition one of out team contracted Covid. We sent our claim to redeem the significant entry fee - not a difficult process,... See more

Rated 4 out of 5 stars

I noticed that the coverage was way before we traveled, so I was concerned. We had no way to contact you or ask about the dates. It was also difficult to communicate with Booking.com about this too

Rated 4 out of 5 stars

Used Revolut Insurance previously and it was terrible. But since XCover has partnered with Rev they are fantastic. Easy, Smooth, great communication.

Rated 5 out of 5 stars

My wife had surgery and was unable to go- after supplying the required info XCover came thru and paid me for her ticket. Approval was fast!!! Thank you XCover for a job well done.

Rated 4 out of 5 stars

Expensive and doesn't cover up to the date of arrival. You only have a small window to request a refund then it's loss of full price.

Rated 5 out of 5 stars

The simplicity of completing and submitting the claim is fantastic. Whoever wrote this program has made it all “user friendly”.

Rated 5 out of 5 stars

It's great having an insurance coverage for my flights and car rentals during my travel times. Thank you, Grateful Customer

Rated 5 out of 5 stars

All good so far. We have just purchased a small chest freezer and the extended warranty. It appears to be a quality product at a competitive price.

Rated 5 out of 5 stars

Very easy to submit claim. Received my refund very quickly. I supplied the necessary paperwork as required. And every thing was so easy and really happy with service.

Rated 5 out of 5 stars

This process was very easy to follow. It had excellent timing for feedback information on where the process if claim was throughout the whole process.

Rated 4 out of 5 stars

I like the proactive communication; however, I never know what and who to trust anymore on social media. So far so good. . .

Rated 4 out of 5 stars

Overall they are very good they have consider my claim and gave me a refund back although to actually to receive the money the link is currently cuts off but I managed to do it in the end thank you

Rated 5 out of 5 stars

The assessment took a little longer than usual, but the process was fair and the payment was made in less than 3 seconds.

Rated 5 out of 5 stars

I am glad I bought this coverage. I had no idea my mother was going to get so ill from this hernia that caused her problems with her bowels. I could not travel with my party and leave my mother alone.... See more

Rated 5 out of 5 stars

Xcover very good insurance company! I recommend it everybody! Hello everybody from STRONG CHECHEN MAN 💪 😎 from London 🇬🇧

Rated 5 out of 5 stars

Had a medical issue whilst abroad and rand the 24/7 phone number and they told me to see the doctor and they would refund me the differance, 5 days later all is done, money returned and feeling much b... See more

Rated 5 out of 5 stars

Very efficient and fair service - got paid for everything in my claim without hassle. I highly recommend XCover!

Rated 5 out of 5 stars

The gentleman who helped us was very knowledgeable and gave us many options before we selected my watch

Rated 5 out of 5 stars

I was really impressed with how smooth this process was. The instructions clearly laid out exactly what documents I needed, and uploading them was quick and easy. Filling out the claim was s... See more

Rated 5 out of 5 stars

So far, the process has been very smooth. I was able to submit all the required documents easily, and the communication has been clear. I appreciate the support and hope the insurance will assist me p... 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

55K reviews

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Replied to 98% of negative reviews

Typically replies within 48 hours


Rated 1 out of 5 stars

XCOVER is a scam

XCOVER is a scam. I had travel insurance with them and made genuine injury claim. 7 months later, still waiting for claim amount. Their phone doesn't work and you cant even chat live with them. Doesn't look like its a real company. Not sure if making a complain against a non-existent company will help.

1 March 2025
Unprompted review
Rated 1 out of 5 stars

They find a way to not pay

I submitted a coverage claim for damage to my new Wayfair sofa from one of the first times I sat down on it. The stuffing broke through the springs and created a hole in the sofa where I sat down. There was no long term wear and tear or any kind of issue, the sofa was new when this happened.

I provided photo evidence of the damage. I didn't hear anything back for 6 weeks at which point I followed up. The next day after following up my claim was denied due to the damage being caused by "misuse, mishandling or neglect." Apparently, XCover thinks sitting on a sofa constitutes misuse. Not sure what the point of a sofa is then...

Either way, I feel completely scammed purchasing this coverage. Would not recommend.

29 September 2025
Unprompted review
Rated 1 out of 5 stars

Do not bother to get insurance with Xcover

Cannot find a phone number to contact! I’ve had to fill out the online form for someone to get in touch but it’s been over a week and nothing! Totally useless.

Edit following reply: no one has contacted me via email

19 September 2025
Unprompted review
XCover.com logo

Reply from XCover.com

Hi customer,

Thank you for sharing your feedback with us.

All updates and documentation regarding your policy are sent to the email address associated with your XCover Account. Unless you entered a new email address when you registered, this is the same one used when you made your purchase through our partner. If you are having trouble finding our emails, please be sure to check your social, promotions, spam, and junk folders. If you have multiple email addresses, be sure to check them all.

If you still can’t find any of our emails, simply log in to your XCover Account to manage your documents and view your policy status.

Once again, we appreciate your feedback.

Thanks for choosing us
The XCover Team

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