This company will take your money for supposed insurance coverage then they will find an excuse to deny your claim!
This company is an absolute scam! Don’t purchase any form of insurance from them! I purchased insurance for two concert tickets for my daughter and I and on the way to the concert we ended up with a nail in one of my tires. We were unable to keep it filled with air after this which made it unsafe to drive the rest of the way to the concert for safety reasons. I filed a claim immediately with proof of the nail in my tire and they said this type of incident isn’t covered with the insurance I purchased. What’s the point of purchasing insurance if unforeseen circumstances like this aren’t covered for some reason they probably made up to deny my claim? No where in any of the wording does it say something like this isn’t covered by the insurance purchased. My claim was denied after the event had passed making my tickets non-refundable through AXS-USA as well. Absolute waste of money! Won’t ever purchase insurance through this company again! I do not recommend anyone purchase any form of insurance through this company ever!!
Update: I responded to an email you guys sent me with my claim for this incident being denied. I sent over the information requested as well as screenshots of my insurance purchase, purchase date etc.
Hopefully this can resolved because this is definitely a very upsetting experience.
This is the email I received from claims@xcover
Hi Christie,
Thanks for your patience while we were reviewing your claim submission.
We (Cover Genius Insurance Services, LLC, - “Cover Genius”) have thoroughly assessed your claim based on the information you provided and the inclusions and exclusions outlined in your coverage terms and have determined that coverage is not afforded under your protection terms. The circumstances preventing you from attending your event are not covered as per your protection terms and conditions.
You can see examples of covered scenarios outlined in your coverage terms. Unfortunately, based on the information provided, the situation you described does not fall within the scope of what’s covered.
To provide you with more insights into our decision, here are additional details:
Your protection doesn’t cover if your vehicle breaks down, is involved in heavy traffic, is stolen or otherwise becomes inaccessible to you en route to the event.
Based on the information above, we respectfully deny this claim. Please note that this shall not be construed as a waiver of any other term or provision in your XCover Protection coverage terms. We retain the right to supplement this letter, and we reserve the right to deny this claim on additional grounds.
As outlined in your terms and conditions, you are covered for these scenarios. Anything not listed here will not be covered.
"If You cancel Your Event prior to the Scheduled Departure Date, We will reimburse You, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for unused, forfeited, prepaid non-refundable Payments or Deposits for the Event Arrangements You purchased for Your Event, provided the cancellation occurs while coverage is in effect for You and is due to any of the following covered Unforeseen reasons, as defined…
You or Your Traveling Companion are attending the childbirth of Your Family Member or surrogate mother, provided the conception occurs after Your Effective Date for Event Cancellation and must be verified by medical records;
The Financial Insolvency or Financial Default of an entity that directly provides Event Arrangements, including Event Coordinator that causes a complete cessation of travel services if the Financial Insolvency or Financial Default occurs more than 30 days following Your Effective Date for Your Event Cancellation benefit.
You or Your Traveling Companion are directly involved in and are delayed due to a traffic accident, while en route to Your Scheduled Destination. The traffic accident must be documented by a police report..."
You can find more information about what you are covered for and what exclusions apply in your coverage terms.
Update #2 Still no response to my review or my email they requested I send them in this review. Please protect yourself!! Don’t purchase the insurance from this company. I truly believe they scammed me!!
Svar från Cover Genius
Hi Christie,
Thank you for sharing your feedback with us.
Unfortunately, we are unable to find you in our system. Please either reply to any of our emails or log in to your XCover Account. If you are logging in for the first time you need to find the email confirmation email sent from us and click the link to set up your XCover Account. Make sure you check your spam folder if you can’t find your confirmation email. This step is required if you bought your protection using your Apple Account, iCloud email address or Safari web browser as Apple may hide and not deliver your email. Read more about how to resolve related issues here: https://www.xcover.com/help/generic-apple-id.
If you are still having issues, please respond to any of our emails with the following details:
- The full name entered when you purchased your policy.
- The email used when you purchased your policy.
- The site where you purchased your XCover Protection.
- The amount that you paid for your XCover Protection.
- The date of the purchase.
- Your location at the time of purchase.
- Your purchase ID (also called a Booking ID, Transaction ID, Invoice Number, Customer Reference Number, etc.)
Once again, we appreciate your feedback.
The XCover Team