XCover.com & RentalCover.com
Reviews and Complaints

purchased Xcover insurance with Ryanair. My bag has been stolen in the afternoon and I went to the police office immediately. Unfortunately, it was closed at 4pm, so I went the police office in the next day morning and got the police report. When I did claim with Xcover, they did ask me to get more and more information in the first 2 months. Then after ~2.5months, the said "Your protection doesn’t cover your situation. The following exclusion applies: Please note that you are not covered under this policy if the required police report is not requested within 4 hours of the incident.". The 4 hours report is not in the document and this is almost impossible for a traveler to get a police report aboard. I also do not understand why they did not mention this at he beginning of the claim process. I send a complaint to Xcover and took another 2 months with the same declined result.

Never purchase Xcover insurance if you are not guarantee to get a police report within 4 hours.

My husband is active duty military. We had tickets (with our 3 children, 3 and under) to go to a show in Las Vegas. Unfortunately, my husband had to leave for deployment and I am unable to travel from San Diego to Vegas by myself and take the kids to the show. I filed a claim and sent in his orders, they told me since the orders started in 2020, they don’t count (it’s a 5 contract). Then I provided a deployment letter from the air officer that states the dates on deployment and they said it won’t work because the date isn’t covered, which it is. They also said because the letter wasn’t dated. It literally has the deployment dates on it. I have left a message and sent multiple emails so I can talk to an actual human, because this is ridiculous. Orders and a signed deployment letter should be enough.

DO NOT BUY COVER FROM XCOVER! You have been warned.

Flight cancellation due to strikes out of my control, accommodation through booking.com canceled, booked trips etc canceled... NO COVER They do not cover Hotel and Theme Park tickets, what is the point of this insurance? I will be taking this further and reporting back to Ryanair as I purchased through their app! Complete scam company with no number to call, will be reporting to ombudsman, should not be trading

Purchased XCover travel insurance for 3x adults travelling to Ireland for a family friend’s wedding in October 2023. Unfortunately the trip was cancelled due to a serious medical emergency of the groom. I notified RyanAir that we would not be able to travel due to the emergency. RyanAir advised us to leave the flights and let it become a ‘no-show’ which would enable us to claim a refund of our flights through our travel insurer XCover.

I contacted XCover insurance and submitted a claim for our flights (approximately £300), however, after weeks of waiting for a response they have responded rejecting the claim. I have been unable to speak to anyone in their customer service department via phone, and they take weeks to reply to emails!

DO NOT USE XCOVER!

Has been 3 weeks since claim submitted and no progress. There's no telephone number and is advertised as 3 days. I bad 3 claims. One just says submitted and other says assessment since over a week. Very slow. Their emergency helpline for medical emergencies isn't that great either. They send you to hospitals which make you pay.

I had taken a travel insurance with xcover for a travel with Rynair . My husband fractured his leg and I had to cancel the trip.I had submitted all the documents but have just been receiving automated email message stating that they are looking into my claim. It's more than 3 weeks and have still not heard anything back from them. After reading all the details in this portal I feel they will never settle my claim. They are unreachable very bad they are robbing our money

Total Scammers. Claim submitted on the 11th Oct with all correct documents uploaded same day, received three automated emails, we are still assessing your claim bla bla bla. The last email received on the 20th Oct with no communication since. The claim status has not changed still showing as submitted since 11th Oct. Sent multiple emails including complaints to XCover asking for an update on my claim. Guess what, nobody replied to me. Does any customer service exist with this company? After reading other reviews it seems I am not the only person having communication difficulties with the company. The more research I do on this company the worse it gets. Stop messing your customers around and do your job. Respond to customers and pay their claims. Also left a review on trustpilot its about all I can do.

I have been trying to contact XCover for weeks, however I cannot find a reliable method to do so. I have used their website form, which I receive a response to “activate my account”. The email also states to respond to the email with any concerns and they will followup, which has not happened.

I am looking to contact them to resolve an issue with my insurance booking. I am not sure how to go about contacting them. I believe this is very unhelpful and it should be required to be able to correspond with a company that you’ve spent hundreds of dollars on.

Hi,

I used booking.com to book two flights for co-workers. I purchased the insurance in case something came up and I had to cancel. Something came up with our employer and I had to cancel. I contacted booking.com and they told me to contact xcover. I made a claim to refund both tickets and they told me it wasn't covered unless they were teachers, students, had a test, was sick, or lost a body part. On the booking.com website when you pick to have the insurance it says it covers canceling it. I attached screenshots of what it says is covered and what they emailed is really covered. I think it's very misleading. Especially when it's an unforeseen issue I have no control over.

Policy number: WWUM4-NGVEL-INS $316.64

Policy number: U4KXK-WGAGD-INS $274.95