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XCover.com Reviews 68,442

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TrustScore 4.5 out of 5

4.5

Insurance Agency
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Review summary

Created with AI, based on recent reviews

Looking at 15,549 reviews, reviewers overwhelmingly had a great experience with this company. Customers frequently highlight the ease and simplicity of the user experience, from setting up an account to navigating the website and submitting documents. Many people appreciate the straightforward process for making claims and the overall efficiency of the service provided. Conversely, some people were dissatisfied with the claims process, mentioning difficulties in getting claims approved or receiving timely communication. A few other people also felt that response times were slow, and some experienced issues with receiving payments after claims were approved.

What people talk about most

User experience

Clients share positive opinions on user experience, highlighting the ease of creating an account, navigating... See more

Claim

Customers consistently note ambiguous experiences with claim. Many reviewers report an easy, straightforward,... See more

Service

Reviewers highlight positive aspects of service. Many customers express satisfaction with the quick, easy,... See more

Response time

Reviewers mention ambiguous feedback about response times. Many customers report significant delays and a... See more

Product

Customers had ambiguous experiences with product. Many reviewers found the coverage concept good,... See more

Reviews shaping this summary

Rated 5 out of 5 stars

I have great piece of mind when I use XCover. I have been unfortunate enough to file a claim in the past, but it was an easy process. Apart from taking and uploading photos of the product, I didn’t ha... See more

Rated 5 out of 5 stars

At the high cost of flying and hotels, having insurance in case of an emergency can safe you tons of money. Sure enough, we needed to cancel a trip as a family member ended up in the hospital. Having... See more

Rated 5 out of 5 stars

I was skeptical about buying this insurance because I thought I'd be able to make this event, but something told me I should get it just in case. I ended up needing an emergency root canal two days pr... See more

Rated 5 out of 5 stars

The directions were simple. I can't mention the coverage or customer service but it was easy to set up an account.

Company details

  1. Insurance Agency
  2. Insurance Broker
  3. Travel Insurance Company

Written by the company

XCover makes insurance simple, fast, and stress-free - which is why millions of global customers trust us to protect the things they love and do. Our worldwide, follow-the-sun support is right here when you need a helping hand - anywhere, any time. When it comes to claims, no one likes to wait. We've replaced snail mail and paper trails with an easy online process and instant payments. You can trust us, as we are backed by some of the world’s largest insurers.

Contact info

4.5

Excellent

TrustScore 4.5 out of 5

68K reviews

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Replied to 97% of negative reviews

Typically replies within 48 hours

How this company uses Trustpilot

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Rated 3 out of 5 stars

il see after this event what to really…

il see after this event what to really say about your service

12 May 2026
Unprompted review
XCover.com logo

Reply from XCover.com

Hi there,

Thanks for your feedback.

We’d like to review this in detail and ensure it’s handled correctly. Please contact us via our support form (https://www.xcover.com/en-us/contact-us) and include reference TP-7082223 so we can locate your case and assist.

The XCover Team

Rated 1 out of 5 stars

103 days without resolution for an insured shipment claim

Very disappointing experience with XCover shipping insurance.

Claim Reference: 4DEPD-6WX4P-INS

The claim was submitted on January 29, 2026, with all requested documentation:

invoice
proof of purchase
photographic documentation of the package and damaged products

All documents were marked "Processed" by XCover the same day.

To date, after more than 103 days, the claim is still "under review," with no payment and no definitive resolution.

For a company that advertises rapid resolution of shipping insurance claims, this delay is extremely concerning and unacceptable for businesses that rely on insured shipments.

We hope XCover resolves this matter today.

29 January 2026
Unprompted review
XCover.com logo

Reply from XCover.com

Hi Cilrod,

Thanks for your message.

Your claim is currently under review. Timeframes can vary depending on the information required, and the Claims team will contact you if anything further is needed.

You can check the latest status by logging in to your XCover Account. If you need us to follow up, please contact us via our support form - https://www.xcover.com/en-us/contact-us and include reference TP-7081284.

The XCover Team

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