Coverwise Discount Code

Some people collect air miles. Others collect flight cancellations. If you’ve spent any time in a departure lounge recently, chances are you’ve thought - if only briefly - about travel insurance. Perhaps just after being told your luggage is holidaying solo in Oslo, or moments before your short-haul flight to Spain turned into a scenic detour via Brussels. In either case, picking a decent policy matters. But let’s face it: most travel insurance isn’t designed to win hearts. It’s there to stop things from getting worse.

Coverwise Travel Insurance: Functional, Straightforward, Generally Unremarkable

Coverwise isn’t trying to reinvent the wheel. It’s not dangling loyalty points or offering free yoga with purchase. What it does offer is a range of clear, functional travel insurance options - Single Trip, Annual Multi Trip, and policies for those with pre-existing medical conditions - with pricing that starts low and stays mostly in the realm of reason.

For example, a solid year-long European travel policy starts at £10.20 for a 26-to-30-year-old. That’s less than lunch at Stansted. Granted, you'll likely pay more if you’re heading to the US or lugging along skis, but base-level coverage remains one of Coverwise’s selling points. There are occasional voucher codes knocking around online, and the company sometimes partners with price comparison sites for marginal discounts. Just don’t expect fire-sale pricing on long-haul packages or premium extras. This isn’t EasyJet’s clearance aisle.

What You Get (and What You Don’t)

Coverwise policies cover the essentials: trip cancellations, medical that includes repatriation, lost or stolen baggage, and a 24-hour medical helpline. They also include a medical consultation service - essentially telehealth wrapped into your policy - which is unexpectedly sensible, especially in post-pandemic times when local clinics may treat tourists like radioactive waste.

Still, it’s not all globe-trotting bliss. Cover caps for gadget loss are modest, and not every policy includes disruption caused by things like strikes or natural disasters unless you upgrade. If your idea of ‘holiday’ involves bringing £2,000 worth of camera gear to an Icelandic volcano, you may want to read the small print. Or just leave the camera at home and enjoy the lava with your eyes.

Single Trips vs. Annual Plans: The Maths

For the sporadic traveller, the £5.45 Single Trip policy is a decent one-off solution. It’s hard to complain at that price point, unless you do something rash, like go on more than one holiday a year. If that’s the case, an Annual Multi Trip plan starts to make sense. These start from £10.20 and, for those travelling every few months - Europe only, mind you - it’s affordable peace of mind. You won't get a free backpack or airport lounge access. But if you're looking for insurance that'll foot the bill if you twist an ankle in Lisbon and need a flight home, it'll do the job.

The Pre-Existing Medical Conditions Option

At £7.47, policies that cover pre-existing medical conditions offer competitive pricing relative to other providers. Provided you're truthful in your application (and you should be - insurers are professionally paranoid), the cover is fair. That said, not all conditions are covered automatically. Some require speaking to an underwriter, which involves honest chat and possibly a few minutes on hold. Less fun than booking the trip, but arguably more useful.

Claims, Contact, and How to Actually Reach a Human

When it comes to making a claim, the process is - mercifully - not terrible. Claims can be filed online, and there's a UK-based support team for more complicated questions (Mon-Fri 09:00–18:00, Sat 09:00–14:00). You may need to provide receipts, doctor notes, or other bureaucratic artefacts, but that’s par for the course with any insurance. Refunds? Available for unused policies within a 14-day cooling-off period, assuming you haven't made a claim or already skipped off to Tenerife.

Final Thoughts: It Works, Quietly

There’s a certain breed of travel insurance that thrives by staying out of your way - Coverwise slots neatly into that category. It won’t dazzle you with slick apps or flashy branding, but it delivers the essentials without upselling you into oblivion. For frequent travellers who like to keep things uncomplicated - and for whom "repatriation" is a word they’d rather never use - it’s a practical, low-drama option.

Is it perfect? No. But perfection is a high bar when your bag just took a detour through Heathrow’s luggage vortex. Solid, sufficient protection is often as good as it gets. And when the departure board lights up with more red than green, that might be all you need.

What you need to know