XCover Travel Insurance

This guide restates the current xcover travel insurance policy in a cleaner format. It keeps the original scope, restrictions, timing, and required actions intact.

Use this section to confirm the traveler, booking, or market scope before taking action.

• Who do I speak to about changes to my booking or changes to my XCover Protection?
• If you would like to make changes to a travel booking or if you need to cancel it or make support enquiries, please contact us. If Business Class Data Services has cancelled, rescheduled or changed your booking, please contact us.
• If we update your booking, we will also try to update your XCover Protection. Check your emails (or texts) for a confirmation from XCover. If you didn’t receive one, we recommend checking your protection details in your XCover Account.
• Cancel or reschedule your flights, accommodation and other pre-paid bookings as needed. Keep documentation of this process. During the claim submission process you will be asked to provide details and documents to support your claim, e.g. proof of cancellation.
• You can purchase XCover Protection when booking your trip At that time, you’ll be able to see the benefits of the protection and read the wording. After purchase, you can view your protection wording by logging in to your XCover Account.
• The booking agent, airline, service provider or travel company reschedules your flight and you are unable to make the new flight, or you miss a connecting flight.
• If other people were included in your initial booking with us they will also be covered by your XCover Protection.
• XCover is owned by Cover Genius, a leading insurtech firm who was recently ranked #1 in the Financial Times list of fastest-growing companies. Cover Genius has won dozens of industry awards in the US, EU, UK, Asia, India and Australia for its claims handling and customer support and has investment from one of the world’s largest insurers, Sompo. XCover Protection is backed by some of the world’s largest companies including Lloyd’s, Generali, Sompo, CNA and Munich Re.
• All XCover customer enquiries are evaluated by email. You can reply to any XCover emails for a speedy response.

These conditions need to be true before the request can be handled under this policy.

• If you would like to make changes to a travel booking or if you need to cancel it or make support enquiries, please contact us. If Business Class Data Services has cancelled, rescheduled or changed your booking, please contact us.
• If you need to change or cancel your XCover Protection, please follow the steps in this article.
• If your itinerary is changed by another travel company or airline and not confirmed by us, your XCover Protection likely needs updating or it may need to be cancelled. Log in to your XCover Account to get started.
• What happens if I need to cancel, cut short, or reschedule my trip?
• Important! When you first visit XCover you will need to activate your account.
• When you receive the confirmation email after you purchased XCover Protection you will need to click the link to activate your XCover Account.
• When you first visit XCover you will need to activate your account. This is an important step to make any future claim submissions hassle-free. Simply find the XCover confirmation SMS or email in your inbox and click the link to set up your XCover Account. If you can’t find your confirmation email, this article has instructions on how to solve related issues.
• If you’ve already activated your account, simply log in using the email address you provided when completing the initial sign-up process to access your documents, make changes to your protection, or make a claim. You will need to complete the steps above for all XCover Protection products purchased.
• Should you need to submit a claim for one or more of your travel companions in the future, you’ll have the opportunity to nominate a claimant and share details about what happened to them. To start a claim, simply log in to your XCover Account and select ‘Make A Claim’.
• Before submitting a claim, you need to gather all the details and documents to support your claim. This helpful article has a guide to what documents you may need based on your claim reason.
• The XCover claims process is quick and hassle-free, with payment or reimbursement for approved claims processed instantly. The dedicated team at XCover aims to complete 95% of claims within 3 days of claim submission, so keep a close eye on your emails to ensure there’s no delay.
• What documents do I need to make a claim?
• During your online claim submission, you will be asked to provide information and documents that support your claim. Clear and comprehensive documents will help us assess your claim faster. The documents required may depend on the type of claim. The following may serve as a useful guide:
• Documents required for claims related to trip cancellation/curtailment.
• Documents required for claims related to missed or delayed departure.
• Documents required for claims related to medical expenses.
• Documents required for claims related to theft or baggage loss, delay, damage.
• You can find the number for XCover Assist within the ‘How claims work’ section of your wording in your XCover Account or access it by starting a claim and carefully selecting the options related to medical emergencies in the online claim form.
• When would I need to get pre-approval before making a claim?

These limits narrow the scope of what can be approved or refunded.

• You may not be covered if:

These exceptions should be checked before promising an outcome to the traveler.

• After buying XCover Protection or when requesting a new password, we typically send an immediate confirmation email, however, it might take between an hour and a day to receive your email.
• You may not be covered if:

These notes describe whether a charge applies or whether the action can be handled without an added fee.

• We have partnered with XCover to provide you with simple, stress-free protection for your trip. XCover’s digital claim process is simple and hassle-free with instant payment of approved claims and their friendly support team can help you with any questions not answered in this Help Center. You can also visit XCover to find out more information.
• Your XCover Protection has a limit per benefit. If your claim is approved, the payment you receive will be limited to the limit specific to the item or service you’re claiming for.
• The XCover claims process is quick and hassle-free, with payment or reimbursement for approved claims processed instantly. The dedicated team at XCover aims to complete 95% of claims within 3 days of claim submission, so keep a close eye on your emails to ensure there’s no delay.
• No, there is no excess or deductible to pay when making a claim.

These are the time limits or waiting periods mentioned in the source policy.

• Gather all the appropriate documentation. This helpful article has a guide to what documents you may need based on your claim reason. If you have this information ready, it will take you approximately 5 minutes to complete the claim form.
• The XCover claims process is quick and hassle-free, with payment or reimbursement for approved claims processed instantly. The dedicated team at XCover aims to complete 95% of claims within 3 days of claim submission, so keep a close eye on your emails to ensure there’s no delay.
• Once you have these documents ready, it will take you approximately 5 minutes to complete the claim form.

Follow these actions in order when the article describes a specific process.

• Who do I speak to about changes to my booking or changes to my XCover Protection?
• If you would like to make changes to a travel booking or if you need to cancel it or make support enquiries, please contact us. If Business Class Data Services has cancelled, rescheduled or changed your booking, please contact us.
• If you need to change or cancel your XCover Protection, please follow the steps in this article.
• What if my trip is rescheduled or my dates change?
• If we update your booking, we will also try to update your XCover Protection. Check your emails (or texts) for a confirmation from XCover. If you didn’t receive one, we recommend checking your protection details in your XCover Account.
• If your itinerary is changed by another travel company or airline and not confirmed by us, your XCover Protection likely needs updating or it may need to be cancelled. Log in to your XCover Account to get started.
• What happens if I need to cancel, cut short, or reschedule my trip?
• If your travel plans have been disrupted, you can follow the steps below to make a claim:
• Check your wording in your XCover Account to see if you are covered if you cancel, cut short or reschedule your trip.
• Cancel or reschedule your flights, accommodation and other pre-paid bookings as needed. Keep documentation of this process. During the claim submission process you will be asked to provide details and documents to support your claim, e.g. proof of cancellation.
• Gather all the appropriate documentation. This helpful article has a guide to what documents you may need based on your claim reason. If you have this information ready, it will take you approximately 5 minutes to complete the claim form.
• Log in to your XCover Account, select the XCover Protection you would like to claim for and then select ‘Make a Claim’.
• To view your XCover Protection details, invoice and certificate, simply log in to your XCover Account.
• If you have to cancel, interrupt or cut your trip short because you or a close relative becomes sick or injured.
• For emergency medical and dental expenses, including emergency assistance and transport.
• For baggage loss and/or delay, depending on your country and protection terms.
• You change your mind about going on your trip.
• You decide not to go on your trip due to wildfires, or a manmade or natural disaster.
• You decide to add a destination to your itinerary or change your final destination.
• The booking agent, airline, service provider or travel company reschedules your flight and you are unable to make the new flight, or you miss a connecting flight.
• Work, personal or transport issues prevent you from going on your trip.
• You do not provide supporting evidence or necessary documents during the claim process.
• The event that causes your claim occurred before you bought XCover Protection.
• You are travelling against the advice of a medical practitioner.
• Documents required for claims related to trip cancellation/curtailment.
• Documents required for claims related to missed or delayed departure.
• Documents required for claims related to medical expenses.
• Documents required for claims related to theft or baggage loss, delay, damage.

Use the following contact details or support channels only as they appear in the source policy.

• If you would like to make changes to a travel booking or if you need to cancel it or make support enquiries, please contact us. If Business Class Data Services has cancelled, rescheduled or changed your booking, please contact us.

This section keeps only the refund-related statements found in the source article.

• How do I make a change, cancel or get a refund for my XCover Protection?

This section keeps only the change-related statements found in the source article.

• Who do I speak to about changes to my booking or changes to my XCover Protection?
• If you would like to make changes to a travel booking or if you need to cancel it or make support enquiries, please contact us. If Business Class Data Services has cancelled, rescheduled or changed your booking, please contact us.
• If you need to change or cancel your XCover Protection, please follow the steps in this article.
• What if my trip is rescheduled or my dates change?
• If your itinerary is changed by another travel company or airline and not confirmed by us, your XCover Protection likely needs updating or it may need to be cancelled. Log in to your XCover Account to get started.
• If you’ve already activated your account, simply log in using the email address you provided when completing the initial sign-up process to access your documents, make changes to your protection, or make a claim. You will need to complete the steps above for all XCover Protection products purchased.
• How do I make a change, cancel or get a refund for my XCover Protection?
• Depending on your protection terms and dates, you may be able to change or cancel your protection. You can log into your XCover Account and click ‘Cancel/Modify’ on the protection you’d like to make changes to or cancel to see what options are available.
• You change your mind about going on your trip.
• You decide to add a destination to your itinerary or change your final destination.

This section keeps only the baggage-related statements found in the source article.

• For baggage loss and/or delay, depending on your country and protection terms.
• Documents required for claims related to theft or baggage loss, delay, damage.

This section keeps only the documentation-related statements found in the source article.

• We have partnered with XCover to provide you with simple, stress-free protection for your trip. XCover’s digital claim process is simple and hassle-free with instant payment of approved claims and their friendly support team can help you with any questions not answered in this Help Center. You can also visit XCover to find out more information.
• If we update your booking, we will also try to update your XCover Protection. Check your emails (or texts) for a confirmation from XCover. If you didn’t receive one, we recommend checking your protection details in your XCover Account.
• Cancel or reschedule your flights, accommodation and other pre-paid bookings as needed. Keep documentation of this process. During the claim submission process you will be asked to provide details and documents to support your claim, e.g. proof of cancellation.
• Gather all the appropriate documentation. This helpful article has a guide to what documents you may need based on your claim reason. If you have this information ready, it will take you approximately 5 minutes to complete the claim form.
• To view your XCover Protection details, invoice and certificate, simply log in to your XCover Account.
• Where are my XCover Protection documents?
• To protect your privacy, your XCover documents are not sent via mail. To view your documents, wording and certificate, simply log in to your XCover Account.
• If you’ve already activated your account, simply log in using the email address you provided when completing the initial sign-up process to access your documents, make changes to your protection, or make a claim. You will need to complete the steps above for all XCover Protection products purchased.
• You decide not to go on your trip due to wildfires, or a manmade or natural disaster.
• You decide to add a destination to your itinerary or change your final destination.
• The booking agent, airline, service provider or travel company reschedules your flight and you are unable to make the new flight, or you miss a connecting flight.
• You do not provide supporting evidence or necessary documents during the claim process.
• Your benefits and limits are specified in the certificate and wording in your XCover Account.
• Before submitting a claim, you need to gather all the details and documents to support your claim. This helpful article has a guide to what documents you may need based on your claim reason.
• What documents do I need to make a claim?
• During your online claim submission, you will be asked to provide information and documents that support your claim. Clear and comprehensive documents will help us assess your claim faster. The documents required may depend on the type of claim. The following may serve as a useful guide:
• Documents required for claims related to trip cancellation/curtailment.
• Documents required for claims related to missed or delayed departure.
• Documents required for claims related to medical expenses.
• Documents required for claims related to theft or baggage loss, delay, damage.
• Once you have these documents ready, it will take you approximately 5 minutes to complete the claim form.

These notes should be preserved because they soften, narrow, or qualify the policy meaning.

• If your itinerary is changed by another travel company or airline and not confirmed by us, your XCover Protection likely needs updating or it may need to be cancelled. Log in to your XCover Account to get started.
• Gather all the appropriate documentation. This helpful article has a guide to what documents you may need based on your claim reason. If you have this information ready, it will take you approximately 5 minutes to complete the claim form.
• Important! When you first visit XCover you will need to activate your account.
• After buying XCover Protection or when requesting a new password, we typically send an immediate confirmation email, however, it might take between an hour and a day to receive your email.
• When you first visit XCover you will need to activate your account. This is an important step to make any future claim submissions hassle-free. Simply find the XCover confirmation SMS or email in your inbox and click the link to set up your XCover Account. If you can’t find your confirmation email, this article has instructions on how to solve related issues.
• Depending on your protection terms and dates, you may be able to change or cancel your protection. You can log into your XCover Account and click ‘Cancel/Modify’ on the protection you’d like to make changes to or cancel to see what options are available.
• You may be covered:
• You may not be covered if:
• Before submitting a claim, you need to gather all the details and documents to support your claim. This helpful article has a guide to what documents you may need based on your claim reason.
• During your online claim submission, you will be asked to provide information and documents that support your claim. Clear and comprehensive documents will help us assess your claim faster. The documents required may depend on the type of claim. The following may serve as a useful guide: