Question 1

Who underwrites Coverwise travel insurance and why does that matter?

Accepted Answer

Coverwise policies are underwritten by AXA Insurance, one of the world’s largest insurers. That means while you buy your cover from Coverwise, AXA’s global medical-assistance network handles emergencies and any claims you file, giving you big-brand backing at a budget price.

Question 2

Does Coverwise cover pre-existing medical conditions?

Accepted Answer

Yes, many stable pre-existing conditions (e.g. diabetes, asthma, controlled heart issues) can be declared and, in most cases, covered for a small extra premium. When you complete the medical screening, answer every question honestly; failing to declare something can invalidate a later claim.

Question 3

How do I make a claim with Coverwise if something goes wrong?

Accepted Answer

Claims are submitted online via the AXA Travel Insurance claims portal. Create an account, upload your documents (receipts, medical reports, police reports, etc.), and track progress there. For urgent medical situations, call the 24/7 AXA Assistance helpline first – the number is on your policy certificate.

Question 4

What sports and activities are included as standard?

Accepted Answer

Over 100 activities, from trekking (up to 3,000m) and kayaking to bungee jumping and scuba diving (down to 18m), are automatically covered on standard policies. More hazardous pursuits (high-altitude trekking, off-piste skiing, technical climbing) require a specialist winter-sports or adventure add-on, or a different insurer.

Question 5

How long can my trip be, and can I extend cover while I’m away?

Accepted Answer

Single-trip Coverwise policies run up to 90 days. You can’t extend a policy once travel has started, so if you’re planning a longer backpacking stint you’ll need a provider offering long-stay or backpacker insurance.

Question 6

Does Coverwise provide COVID-19 protection?

Accepted Answer

Yes. If you, a travelling companion, or someone you’re due to stay with tests positive and you have to cancel or cut short your trip, you’re covered for cancellation or curtailment (with a doctor’s note). Emergency medical costs abroad for COVID-19 are also covered. Government travel bans or quarantine-on-arrival rules, however, are not.

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