XCover & Revolut Travel Insurance Scam | A Frustrated Traveler's Warning

Travel insurance can provide peace of mind, but for one user, it turned into a nightmare. They shared their troubling story of securing coverage through XCover via Revolut, ultimately leading to a denied claim that left them feeling cheated and scammed.

The Frustrating Cancellation

After booking a flight on January 17, 2025, everything seemed perfect until a new opportunity knocked. The individual's job offer required them to cancel their trip.

"I had to cancel because my new job started on those scheduled travel dates," they recounted. Fortunately, the travel insurance policy from XCover clearly stated it covers cancellations due to securing a new permanent job. Sounds simple, right?

However, it quickly turned into a battle for justice when they filed a claim post-cancellation.

The Great Claim Rejection

When the claim went in, it included all necessary documents:

• Flight booking confirmation showing the ticket was booked before the job.

• Signed employment contract proving they secured the job after booking the flight.

Despite this evidence, XCover rejected the claim, asserting the job was obtained before the flight was booked. Confused? So was the traveler, who clarified, "A job offer and a contract are worlds apart. My job was not official until I signed the contract!"

Unresponsive Appeals and False Settlement

Feeling unheard, the traveler appealed the decision, reiterating their points and providing all documentation again. To their shock, the response was another generic rejection. Adding insult to injury, XCover falsely marked the claim as "settled" while the traveler had yet to receive any payment.

"How can a case be settled when nothing was paid?" the traveler questioned.

Taking a Stand Against Fraudulent Practices

Frustrated and seeking resolution, they have taken decisive action against both XCover and Revolut. This includes:

• Filing a formal complaint with the Norwegian financial authorities.

• Seeking legal counsel for potential further action.

• Sending a complaint to Revolut, highlighting that if they promote this insurance service, they should be accountable when it falls short.

Community Reactions and Concerns

The community weighed in, showcasing a mixed sentiment: while some rallied in support of the traveler, others questioned the logic behind the flight booking and job acceptance timeline. Key themes that emerged include:

• Criticism of insurance companies for denying legitimate claims.

• Skepticism about the traveler's decision-making process.

• Calls for accountability from both XCover and Revolut.

Interestingly, one commentator remarked, "It’s associated with Revolut, I am not surprised that it’s a scam." This indicates a prevailing concern about the reliability of services being offered through these platforms.

Key Takeaways

• 🔹 Job Offer vs. Signed Contract: There’s a crucial difference.

• 🔻 Insurance Denials: It's a common practice to deny claims for technicalities.

• ⭐ Community Support: Mixed sentiments reveal both support and skepticism towards the traveler's choices.

As this story unfolds, the plight of the traveler serves as a cautionary tale for others considering XCover for travel insurance. Consumers are advised to tread carefully and examine their policies thoroughly before making any commitments.