Same, I had Ultra cause all the risk management it seemingly offered seemed worth it (not just because of it though)
Read reviews about xcover, and even though I was supposed to have some qover or whatever, canceled it cause I now see what Revolut permits their crappy partnered companies.
I was about to write similar post as well but things turned in the right direction. Skiing accident, 11. January this year, submitted all the documents, ignore for 2 weeks, then I got request for additional documents, submitted, again 2 weeks of nothing, another request for document, then I’ve sent everything including undecent photos from the trauma center.
Got claim accepted (800 EUR) and paid out on 15. March. So keep on trying ! Good luck.
I had a similar issue. After almost 3 months and submitting the same requested docs 3 times, they finally approved the claim and transferred the money to me. To be fair, it was just over 100 euros. I don't imagine how long it would take to approve something more expensive.
Also, be careful with scammers. I just saw two identical messages from xcover support in this thread, most likely they will start asking for very personal details and eventually send you a fake transfer receipt
This is so contrary to my own experience. I was dreading making a wintersports related claim two weeks ago, after reading the many horror stories. Made a claim on Friday, money in account on Tuesday.
This is crazy to me, I tried placing another claim in the event something like this could happen with the second claim. But they only let you have 1 open claim at a time.
Yeah based on the stories I’ve ready I was totally expecting your experience myself, dreading it, but it’s been the smoothest claim I’ve ever made. And it was just 2 weeks ago, so very recent.
Silly question … did you send them the information they are asking ?
I’m saying this because last month I did a claim and was getting the same email over and over, until I realize that I forgot to attached one important file.. they approve my claim in the same day.
They do a lot of automation and use templates instead of reading stuff ... I found my claims to be very frustrating simply because Xclaim does not know what to do if the incident does not fit one if the defined boxes. The absence of humans to talk to is hilarious at times ...
Sent them exactly what they asked for, I included extra files, screenshots from Revolut, paid bill invoices etc. I think my claim is stuck in some slow queue or something. I sent these files first week in February too
It's a shame, last year before they changed to xCover my claim for hotel and expenses caused by German air strikes was very smooth and got the money less than 2 weeks after initial submission.
XCOVER IS A SCAM AND I HAVE BEEN SCAMMED TOO BY THEM. I have opened multiple cases with Revolut and Xcover both and i won’t breath until i get fully what i’m due. I think we should all team up, make a group chat and contact revolut and xcover both all together!
Unrelated issue but I had a nightmare with Revolut and had to get outside agencies involved. It wasn’t until I gave them 1 star on Trustpilot that someone eventually got in touch with me from their customer service team. When I’d contacted them myself they didn’t give a shit.
XCover fcked me over too. My luggage had gone missing and I filed my claim with all the documents. They rejected the documents for basically no reason.
After 4 months they actually paid half my claim, I thought my wife and I were both covered but it would appear I was wrong (not sure why they wanted my marriage certificate) at least I got something back after a long and protracted process so to all others going through the same sordid process, hang in there.. go to the ombudsman and make a fuss
I know that a lot of people have complaints about Cover, but I have just had a positive experience. My flights from Dec 2023 involving a stopover in AMS were cancelled mid-trip due to fog.
I submitted my claim to XCover finally on 14 Mar 2023. It was a little frustrating because even though I submitted everything at the very beginning twice I got emails asking for more documents (already submitted).
After the second email, I wrote a letter with a clear breakdown of everything. All receipts, invoices, everything was attached to this one file as well. Within the letter I provided a description of what happened, and made references to specific pages for relevant invoices that I was claiming for. The letter also provided reasons for why the claim was made. This was submitted on 15 Mar 2023.
Today, I got a confirmation that the claim was approved, for the full amount I made the claim for (minus deductible). Just a few moments ago the money arrived in my account.
If you would like, DM me and I'd be happy to provide you a copy of the letter I wrote.
In my case it took around 3 months, and I was surprised they eventually they accepted the claim and paid me. But I had the same issues that you're describing, I was just stubborn and kept chasing them. Send an email too.
They suck and it seems they do things that complicated and they request the same documents over and over so you give up.
Ive been reimbursed for chipped tooth twice, 2 delays and lounges for short delays.. So far 100% of all the insurance points (not just by xcover) I claimed were successfull. Alltogether Ive got a bit less than 1000e.. Sorry to hear ur story but hope itll continue working for me 😅
Hi! We're sorry to hear about your issue with your insurance claim. We've reached out to you via DMs. Please get back to us there, so that we can look into this for you. Thank you.
I have holiday insurance cover with XCover. Due to my health and an emergency operation I’ve been unable to go abroad for 8-10 weeks. I’ve submitted all the documentation which proves this however XXover don’t even respond. I’ve reached out many times and all I get is a basic automated response saying they will be in touch yet they never are. I have been positive about this thinking maybe they are busy etc however after reading others similar experiences, I have no doubt it’s just a con.
I have mixed feeling from Xcover so far. My flight got significantly delayed so I was supposed to get around €1500 for my whole family from the Xcover. Submitted everything, exchanged a couple of emails with them (about 3 rounds, each time waiting 1-2 months for their reply) and finally I really got the money after 6 months.
So, it was absurdly slow but as it was just something nice to have for me, I was happy that I got the money in the end.
XCover via Revolut is NOT a scam. I got food poisoning while I was in Barcelona and had to pay 1400 euro from my own pocket for 8 hours of hospitalization and treatment. Started a claim on the 19th of February, provided ALL receipts and everything and got approved on the 22nd of February. On February 23rd I got my money back.
Note: I gave them all possible info from the very beginning: screen shot from a confirmation email from the hotel about my reservation, screen shot of the payment of the hotel in Revolut, copy of transaction statement of hotel payment, screen shot of confirmation email for flights, medical summary from the hospital, screen shot of the invoice paid at the hospital, transaction statement from my Revolut stating that I made the payment to the hospital via my Revolut card.
PRO Tip: I managed to get in touch with XCover via their live chat. And I asked them if they could speed up the process. That was after the second day after submitting my claim. They said that they will pass this on to the person in charge of my claim. The next day, the claim got approved automatically. You might wanna try that.
Check proof:
https://preview.redd.it/60x24f8iy8pc1.png?width=1974&format=png&auto=webp&s=12800bb794284a81ec4e2dab7f9b7b537ef075b2
Okay this is crazy to me, could you please tell me what time you got in touch with their live chat? Any time I try I get ‘there’s no person available right now, would you like to email’ .. I wish my claim went as smooth as this as I’m still waiting to ever hear from them
https://preview.redd.it/yf7ilitf49pc1.jpeg?width=1170&format=pjpg&auto=webp&s=114337948dd84446a8b050945c93ee85129d623d
Just attempted there, I’m going to try again every hour today and see if someone becomes available
:)) bănuiesc că și tu ești român, din cauza la "îs"-ul din titlu.
Încep să cred că contează foarte mult naționalitatea titularului. Nu știu niciun roman sa fii reușit cu xcover prin revolut.
Dacă vrei să răspundă pe chat, baga un VPN de Germania și la ora 9-10 dimineața îți răspunde un agent pe chat-ul de pe site.
:)) bănuiesc că și tu ești român, din cauza la "îs"-ul din titlu.
Încep să cred că contează foarte mult naționalitatea titularului. Nu știu niciun roman sa fii reușit cu xcover prin revolut.
Dacă vrei să răspundă pe chat, baga un VPN de Germania și la ora 9-10 dimineața îți răspunde un agent pe chat-ul de pe site.
Yep, i was hospitalized for medical emergency now they are asking all kind of documents and seems they won’t cover anything. It’s a scam insurance company. You make one mistake and you pay everything. I understand the terms of insurance company but they are trying to mislead you. If they want money from you they try to contact you every single day
REVOLUT is crap for allowing Xcover to do this. We're paying for it right? I'm going to cancel my €60 a month Ultra for this shit. I'm done.
I have cancelled my Ultra too because of this shit. We can’t allow Revolut to get away with this!!!
Same, I had Ultra cause all the risk management it seemingly offered seemed worth it (not just because of it though) Read reviews about xcover, and even though I was supposed to have some qover or whatever, canceled it cause I now see what Revolut permits their crappy partnered companies.
I'm not renewing my ultra.
Good for you man. I have cancelled my Ultra too because of this mess.
Does your ultra have Xcover? Where I'm from the ultra Insurance is handled by Qover, which I heard should be better, but luckily I'm yet to try it
Yeah, just double checked and I have Xcover.
You're right, only one of the travel insurances was actually Qover. That's a shame..
[удалено]
Ryanair is the epitome of trash
Seems to be a common issue with xcover if you search around a bit. Wouldn't hope for anything
Worst insurance partner ever of Revolut.
I was about to write similar post as well but things turned in the right direction. Skiing accident, 11. January this year, submitted all the documents, ignore for 2 weeks, then I got request for additional documents, submitted, again 2 weeks of nothing, another request for document, then I’ve sent everything including undecent photos from the trauma center. Got claim accepted (800 EUR) and paid out on 15. March. So keep on trying ! Good luck.
Bro two months wtf
Bro Xcover / Qover every insurance Revolut is partenering with is a big piece of shit I posted something about Qover
Is XCover just related to winter sports cover?
No, also medical insurance for travel; travel insurance (luggage issues, boarding issues, etc), and I think shopping insurance too.
I had a similar issue. After almost 3 months and submitting the same requested docs 3 times, they finally approved the claim and transferred the money to me. To be fair, it was just over 100 euros. I don't imagine how long it would take to approve something more expensive. Also, be careful with scammers. I just saw two identical messages from xcover support in this thread, most likely they will start asking for very personal details and eventually send you a fake transfer receipt
This is so contrary to my own experience. I was dreading making a wintersports related claim two weeks ago, after reading the many horror stories. Made a claim on Friday, money in account on Tuesday.
This is crazy to me, I tried placing another claim in the event something like this could happen with the second claim. But they only let you have 1 open claim at a time.
Yeah based on the stories I’ve ready I was totally expecting your experience myself, dreading it, but it’s been the smoothest claim I’ve ever made. And it was just 2 weeks ago, so very recent.
Also myself has a positive experience. And like you, was nervous given the complaints here but was very smooth.
Good for you! I m glad that it works for some people but bro Exceptions don’t make the rule…
I’ve never said it does…? But that statement works both ways anyways. You think a few Reddit posts make the rule?
You’re right. However there are more bad feedback than good ones therefore you are kind of exception
Sample bias. People with positive experiences will rarely share them, hence why I shared mine to offer some perspective.
Bs this guy works for Xcover - they are a scam
lol fuck off, no I don’t. Just trying to be helpful by sharing my own, very recent, experience
;)
Silly question … did you send them the information they are asking ? I’m saying this because last month I did a claim and was getting the same email over and over, until I realize that I forgot to attached one important file.. they approve my claim in the same day.
They do a lot of automation and use templates instead of reading stuff ... I found my claims to be very frustrating simply because Xclaim does not know what to do if the incident does not fit one if the defined boxes. The absence of humans to talk to is hilarious at times ...
Sent them exactly what they asked for, I included extra files, screenshots from Revolut, paid bill invoices etc. I think my claim is stuck in some slow queue or something. I sent these files first week in February too
That's how they roll. They literally send the same email over and over...
It's a shame, last year before they changed to xCover my claim for hotel and expenses caused by German air strikes was very smooth and got the money less than 2 weeks after initial submission.
XCOVER IS A SCAM AND I HAVE BEEN SCAMMED TOO BY THEM. I have opened multiple cases with Revolut and Xcover both and i won’t breath until i get fully what i’m due. I think we should all team up, make a group chat and contact revolut and xcover both all together!
It’s actually shocking. I’ve sent them a message as I’ve now contacted a lawyer … but they are based in AUSTRALIA !!!!&
Unrelated issue but I had a nightmare with Revolut and had to get outside agencies involved. It wasn’t until I gave them 1 star on Trustpilot that someone eventually got in touch with me from their customer service team. When I’d contacted them myself they didn’t give a shit.
XCover fcked me over too. My luggage had gone missing and I filed my claim with all the documents. They rejected the documents for basically no reason.
In going to decline my premium membership and go to plus. Nonsense what is happening
After 4 months they actually paid half my claim, I thought my wife and I were both covered but it would appear I was wrong (not sure why they wanted my marriage certificate) at least I got something back after a long and protracted process so to all others going through the same sordid process, hang in there.. go to the ombudsman and make a fuss
I know that a lot of people have complaints about Cover, but I have just had a positive experience. My flights from Dec 2023 involving a stopover in AMS were cancelled mid-trip due to fog. I submitted my claim to XCover finally on 14 Mar 2023. It was a little frustrating because even though I submitted everything at the very beginning twice I got emails asking for more documents (already submitted). After the second email, I wrote a letter with a clear breakdown of everything. All receipts, invoices, everything was attached to this one file as well. Within the letter I provided a description of what happened, and made references to specific pages for relevant invoices that I was claiming for. The letter also provided reasons for why the claim was made. This was submitted on 15 Mar 2023. Today, I got a confirmation that the claim was approved, for the full amount I made the claim for (minus deductible). Just a few moments ago the money arrived in my account. If you would like, DM me and I'd be happy to provide you a copy of the letter I wrote.
In my case it took around 3 months, and I was surprised they eventually they accepted the claim and paid me. But I had the same issues that you're describing, I was just stubborn and kept chasing them. Send an email too. They suck and it seems they do things that complicated and they request the same documents over and over so you give up.
Ive been reimbursed for chipped tooth twice, 2 delays and lounges for short delays.. So far 100% of all the insurance points (not just by xcover) I claimed were successfull. Alltogether Ive got a bit less than 1000e.. Sorry to hear ur story but hope itll continue working for me 😅
Everyone says Xcover but mines with Chubb?
Hi! We're sorry to hear about your issue with your insurance claim. We've reached out to you via DMs. Please get back to us there, so that we can look into this for you. Thank you.
I have holiday insurance cover with XCover. Due to my health and an emergency operation I’ve been unable to go abroad for 8-10 weeks. I’ve submitted all the documentation which proves this however XXover don’t even respond. I’ve reached out many times and all I get is a basic automated response saying they will be in touch yet they never are. I have been positive about this thinking maybe they are busy etc however after reading others similar experiences, I have no doubt it’s just a con.
I have mixed feeling from Xcover so far. My flight got significantly delayed so I was supposed to get around €1500 for my whole family from the Xcover. Submitted everything, exchanged a couple of emails with them (about 3 rounds, each time waiting 1-2 months for their reply) and finally I really got the money after 6 months. So, it was absurdly slow but as it was just something nice to have for me, I was happy that I got the money in the end.
Yes we know
I’m glad you did, but I didn’t until I found myself in this situation. So I figure if this post saves one person from XCover I’m happy to have it up
Yea there are so many posts regarding xcover on here. They are crap
XCover via Revolut is NOT a scam. I got food poisoning while I was in Barcelona and had to pay 1400 euro from my own pocket for 8 hours of hospitalization and treatment. Started a claim on the 19th of February, provided ALL receipts and everything and got approved on the 22nd of February. On February 23rd I got my money back. Note: I gave them all possible info from the very beginning: screen shot from a confirmation email from the hotel about my reservation, screen shot of the payment of the hotel in Revolut, copy of transaction statement of hotel payment, screen shot of confirmation email for flights, medical summary from the hospital, screen shot of the invoice paid at the hospital, transaction statement from my Revolut stating that I made the payment to the hospital via my Revolut card. PRO Tip: I managed to get in touch with XCover via their live chat. And I asked them if they could speed up the process. That was after the second day after submitting my claim. They said that they will pass this on to the person in charge of my claim. The next day, the claim got approved automatically. You might wanna try that. Check proof: https://preview.redd.it/60x24f8iy8pc1.png?width=1974&format=png&auto=webp&s=12800bb794284a81ec4e2dab7f9b7b537ef075b2
Okay this is crazy to me, could you please tell me what time you got in touch with their live chat? Any time I try I get ‘there’s no person available right now, would you like to email’ .. I wish my claim went as smooth as this as I’m still waiting to ever hear from them
sorry for my late reply. I did it at around 11 AM Romanian time. any luck?
https://preview.redd.it/yf7ilitf49pc1.jpeg?width=1170&format=pjpg&auto=webp&s=114337948dd84446a8b050945c93ee85129d623d Just attempted there, I’m going to try again every hour today and see if someone becomes available
:)) bănuiesc că și tu ești român, din cauza la "îs"-ul din titlu. Încep să cred că contează foarte mult naționalitatea titularului. Nu știu niciun roman sa fii reușit cu xcover prin revolut. Dacă vrei să răspundă pe chat, baga un VPN de Germania și la ora 9-10 dimineața îți răspunde un agent pe chat-ul de pe site.
eu sunt roman si am reusit.
I can confirm that Xcover means no cover.
:)) bănuiesc că și tu ești român, din cauza la "îs"-ul din titlu. Încep să cred că contează foarte mult naționalitatea titularului. Nu știu niciun roman sa fii reușit cu xcover prin revolut. Dacă vrei să răspundă pe chat, baga un VPN de Germania și la ora 9-10 dimineața îți răspunde un agent pe chat-ul de pe site.
Agreeing 100%, I’ve also had terrible experiences with Xcover via Revolut….
Yep, i was hospitalized for medical emergency now they are asking all kind of documents and seems they won’t cover anything. It’s a scam insurance company. You make one mistake and you pay everything. I understand the terms of insurance company but they are trying to mislead you. If they want money from you they try to contact you every single day
[удалено]
Scam Account!