Value for Money
7Value for Money
Two good experiences with them
I travel a lot and I have always paid my travel insurance with Cover-More.
Throughout the years, most of my policies have been there just in case. However, I launched two claims with them, and I'm most happy with the company.
My first claim was several years ago due to an unexpected change of flight schedule, which forced me to travel on a Christmas festivity, pay for the only hotel available in town, a five stars, so as to be able to get that flight. Claim and reimbursement were easy peasy, and got my money back in full.
The last claim was in the second half of last year. I became very sick while traveling through Northern Europe, I had to visit a hospital, two doctors, pay taxis for transportation, buy the medication myself, etc. Besides, my credit card was charged a commission for each transaction done in those countries. I hesitated when I came back because I thought that I would find grumpy people and lots of questions and delays or a reduced reimbursement. I had a zero excess policy, so that helped greatly, as well as me providing all the receipts. doctors reports etc. I launched my claim and, in less than a week, I got all my 1 money back, including the cc commissions. Mails arrived informing of the progress of my claim in a timely manner and the people I talk on the phone were really lovely.
My main complaint about CM is the pricing, which as become ridiculous in the last five years; at present, if you want your cancellation costs covered and zero excess you pay a lot. I am not sure whether the pricing is reasonable or not, but it is a bit of chunk of my holidays money. One of the things I like the least is that, unless in case of emergency, you have to pay your bills overseas and then claim them to be reimbursed, which can be a problem if you are traveling on a tight budget. Also, you have two natural months since the expire date of your policy to claim it, so if you are really sick or in hospital, how are you going to do so?