- CoverForYou is a trading name of Cover For You Insurance Group Limited, an insurance intermediary authorised and regulated by the Financial Services Commission in Gibraltar under Permission Number 5570.
- Policies are underwritten by Inter Partner Assistance S.A., part of the AXA Group, authorised by the National Bank of Belgium and holding firm reference number 202664 on the UK register.
- The Silver tier quotes emergency medical treatment cover of up to 15 million pounds.
- Single-trip policies run up to 94 days, annual multi-trip up to 62 days per trip, and backpacker cover up to 18 months.
- Pre-existing conditions are handled through an online medical screening process completed before purchase.
What CoverForYou is
CoverForYou is an online travel insurance brand aimed at UK and international travellers buying direct over the web. It is a trading name of Cover For You Insurance Group Limited, which the brand describes as an insurance intermediary authorised and regulated by the Financial Services Commission in Gibraltar under Permission Number 5570. That distinction matters: the entity selling and administering the policy is a distributor, not the insurer carrying the risk.
The product range spans single-trip, annual multi-trip, backpacker, cruise and pre-existing medical condition cover, alongside add-ons such as winter sports. Pricing on the public pages is illustrated against a reference level the brand calls Silver Cover, using a 30-year-old traveller with no declared conditions and the maximum CoverForYou Plus discount applied.
Who underwrites the cover
The insurer behind CoverForYou policies is Inter Partner Assistance S.A., a company within the AXA Group. Inter Partner Assistance is authorised and regulated by the National Bank of Belgium, with its registered head office in Brussels and a UK branch at 106-118 Station Road, Redhill, RH1 1PR. On the UK register it holds firm reference number 202664, authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority.
For a buyer, the practical takeaway is a split structure: a Gibraltar-regulated intermediary handling the sale and administration, and a large AXA Group insurer carrying the underlying risk. Anyone wanting to confirm either party can check the firm reference number on the FCA register and the Gibraltar permission number with the Gibraltar regulator before purchase.
What policies CoverForYou offers
The core options are single-trip cover for one journey and annual multi-trip cover for travellers taking several trips a year. Maximum durations are tied to the product: single-trip policies run up to 94 days, annual multi-trip policies allow up to 62 days per individual trip depending on the level of cover chosen, and backpacker cover extends to trips of up to 18 months.
Beyond the standard journeys, the brand sells cruise cover and a dedicated route for travellers with pre-existing medical conditions. Winter sports is offered as an additional level rather than a standalone product. Geographic options follow the usual Europe and worldwide split seen across the UK market, with worldwide cover typically separated into policies that include or exclude high-cost destinations such as the United States.
Pricing structure
CoverForYou publishes indicative starting prices rather than a fixed rate card, because premiums depend on age, destination, trip length, declared conditions and the cover level selected. The figures below are quoted against the Silver reference tier for a 30-year-old with no pre-existing conditions and the maximum 20 percent CoverForYou Plus discount applied:
- Single trip, three days in France: from 6.30 pounds.
- Annual multi-trip, Europe: from 38 pounds.
- Winter sports, three days: from 16.20 pounds.
- Backpacker, one month in Europe: from 93.50 pounds.
These are entry points after a maximum discount, so a real quote for an older traveller, a longer trip, a wider region or a declared condition will sit higher. The headline numbers are useful only as a floor, and the actual premium is generated at quote stage once the screening and cover level are fixed.
What is covered and excluded
On the Silver level, the brand states emergency medical treatment cover of up to 15 million pounds, which sits at the higher end of the figures commonly published across UK travel policies. Typical structural elements across the range include cancellation and curtailment, personal belongings and money, personal accident and liability, and optional winter sports.
As with any travel policy, the protection depends on accurate disclosure. The FCDO guidance on foreign travel insurance is explicit that failing to declare existing conditions or pending treatment may invalidate cover, and that emergency transport such as an ambulance is often charged separately. Activity and cruise cover may need a specific add-on, so the precise limits, excesses and exclusions for any given quote should be read in the policy wording and Insurance Product Information Document before buying rather than inferred from a summary.
How CoverForYou compares
The defining feature against the wider market is the regulatory structure. Where some UK travel brands are FCA-authorised intermediaries, CoverForYou's selling entity is regulated in Gibraltar, with the FCA-recognised firm being the underwriter rather than the distributor. The Silver medical limit of up to 15 million pounds is generous relative to many published headline figures, though a high medical cap is only meaningful alongside the cancellation, baggage and excess terms a buyer actually needs.
On trip length, the 94-day single-trip ceiling and 18-month backpacker option give the range some reach for longer journeys, while the 62-day per-trip annual cap is conventional. Context from the Association of British Insurers underlines why the medical side carries weight: its members paid 472 million pounds across more than 500,000 travel claims in 2024, with medical claims accounting for 262 million pounds and an average medical claim of 1,528 pounds.
How to make a claim
Claims are handled through CoverForYou's own claims service. The general process mirrors the UK market: notify the insurer or assistance line promptly, keep receipts and documentation, and for medical emergencies abroad contact the emergency assistance number before incurring large costs where possible. Cancellation and baggage claims usually require supporting evidence such as proof of booking, cancellation invoices or police and property irregularity reports.
If a claim is declined and the policyholder disagrees, the route after the insurer's final response is the Financial Ombudsman Service, which can review eligible complaints about regulated firms. Reading the claims conditions and time limits in the policy wording before travelling reduces the risk of a procedural decline.
Who CoverForYou might suit
CoverForYou is oriented towards self-directed buyers who are comfortable purchasing online, completing medical screening themselves and comparing cover levels without an adviser. The high Silver medical limit and the long single-trip and backpacker durations point towards travellers taking extended or longer-haul journeys, while the published starting prices appeal to cost-focused shoppers willing to read the wording carefully.
Travellers who want an FCA-authorised seller specifically, or who prefer a UK-domiciled distributor, will want to weigh the Gibraltar permission structure against that preference. As always, the right policy depends on the individual trip, destination, age and any declared conditions, and the binding details are those in the live quote, policy wording and Insurance Product Information Document at the point of purchase.
