- Coverwise is a Gibraltar-based travel insurance intermediary (Coverwise Limited, company number 103717), regulated by the Gibraltar Financial Services Commission.
- Travel cover is underwritten by Inter Partner Assistance S.A., part of the AXA Assistance group, which holds FCA Financial Services Register reference 202664.
- Products on sale include single trip, annual multi-trip, ski and business travel cover.
- Coverwise states it can cover a wide range of pre-existing medical conditions when they are declared at purchase.
- Indicative pricing published on the site starts from 2.70 pounds for single trip and from 9.70 pounds for annual cover in the 26 to 30 age band.
Coverwise Limited is regulated in Gibraltar rather than directly authorised by the Financial Conduct Authority. Its travel insurance is underwritten by Inter Partner Assistance S.A., which holds FCA reference 202664. Confirm the regulatory footer and the underwriter named on your own quote before purchase, because intermediaries can change underwriting partners over time.
What Coverwise is
Coverwise is an online travel insurance intermediary that sells policies to UK travellers. The company behind the brand is Coverwise Limited, registered in Gibraltar at 2 Irish Town, Gibraltar, with company number 103717, and regulated by the Gibraltar Financial Services Commission as a general insurance intermediary. Coverwise designs and sells the product and handles the customer relationship, but it does not carry the insurance risk itself. That role sits with the underwriter.
Who underwrites the cover
Coverwise travel policies are underwritten by Inter Partner Assistance S.A., part of the AXA Assistance group. Inter Partner Assistance S.A. is authorised and regulated by the National Bank of Belgium, with a registered head office at Boulevard du Regent 7, 1000 Brussels, and is authorised by the Prudential Regulation Authority with Financial Services Register reference 202664. The practical consequence is that a claim is the financial responsibility of Inter Partner Assistance S.A. rather than of Coverwise itself. The reference number 202664 can be checked on the FCA register.
What policies Coverwise offers
The Coverwise range covers the main shapes of UK travel cover: single trip policies for one journey, annual multi-trip policies for repeated travel across twelve months, ski insurance for winter sports, and business travel cover. Single trip and annual cover are the core products, and the site offers cover for couples and families, with children covered under family policies. The structure mirrors the wider market, where the meaningful differences sit in the cover limits and the declared medical position rather than in the product names.
Pricing structure
Coverwise publishes indicative starting prices rather than fixed rates, because a travel premium depends on the destination, the trip length, the travellers' ages and any declared medical conditions. At the time of review the site showed single trip cover from 2.70 pounds and annual cover from 9.70 pounds for travellers in the 26 to 30 age band on European and UK trips. These are entry points for the lowest-risk profiles; premiums rise with age, destination and medical declarations. A precise figure only appears once a quote is run.
What is covered and excluded
Coverwise cover follows the standard UK template: emergency medical and repatriation, cancellation, baggage and personal money, with a medical consultation service included. The site states that its policies can cover a wide range of pre-existing medical conditions, provided they are declared when the policy is bought. As with any travel policy, the published exclusions and the specific limits live in the policy wording and the insurance product information document, which a buyer should read before purchase. The FCDO's general warning applies: failing to declare existing conditions or pending treatment may invalidate a policy.
How Coverwise compares to the market
Coverwise sits in the group of intermediaries that pair a UK-facing brand with a major assistance underwriter and a Gibraltar regulatory base. Inter Partner Assistance S.A. also underwrites cover sold under other UK brands, including Puffin Insurance, so the same carrier can stand behind more than one storefront. For a buyer, the distinguishing factors are the published cover limits, the breadth of medical conditions accepted, and the price returned for a specific trip, rather than the brand on the certificate.
How to make a claim
Because Inter Partner Assistance S.A. underwrites the cover, emergency medical assistance and claims are handled through the insurer's assistance and claims operation rather than by Coverwise as a retailer. In a medical emergency abroad, the assistance line is contacted to authorise treatment; for losses settled after the event, a claim is submitted with documentation. The exact contact routes and time limits are set out in the policy documents issued at purchase, and eligible disputes that cannot be resolved directly can be referred to the Financial Ombudsman Service.
Who Coverwise might suit
Coverwise is positioned for travellers comfortable buying online who want a recognised assistance underwriter behind a low entry price, including those with declarable pre-existing conditions who are prepared to disclose them at purchase. As with the wider market, the right fit depends on the limits returned for a specific trip and the medical declaration, both of which should be checked in the quote and the policy wording before buying.
If you find it difficult to get cover because of a pre-existing condition, the Money and Pensions Service operates a travel insurance directory of specialist providers via its MoneyHelper service. Visit the MoneyHelper travel insurance directory or call the Money Helper Customer Contact Centre on 0800 138 7777 (Monday to Friday, 8am to 6pm).
