Once your claim is approved, our friendly Claims Team will send you a payment email containing a secure link. The same link will become available when you log in to the Claims Centre. Simply click 'Get Paid' and carefully complete your bank details. Incorrect or incomplete payment details may cause delays in payment processing.

As soon as we have received your details, we will automatically process your payment. Payments may take up to 5 days to complete. The biggest cause of delays is incorrect bank details.

If any alternative payment types are available, they will be listed on the secure page. We don’t send cheques in the mail.

Occasionally, we rely on trusted third-party assessors who may be responsible for the claim payment. If so, we will inform you during the claim process. Their payment options may differ from ours.

Gather all the details and documents to support your claim. The biggest cause of delays during claim assessment is incorrect or missing paperwork, without which your claim status will be changed to ‘pending’ or ‘closed’, depending on the time taken. This helpful article has a guide to what documents you may need based on your claim reason.

When you're ready to submit your claim, log in to your XCover Account, select the protection you would like to claim for and then select ‘Make a Claim’.

The XCover claims process is quick and simple, with fast and easy payment or reimbursementfor approved claims. Keep an eye on your inbox, as we may request additional information needed to assess your claim.

If your XCover Protection includes emergency assistance, the XCover Assist team will be able to assist with:

• Emergency medical expenses abroad.
• Emergency dental expenses abroad.
• Assistance in finding a doctor or medical facility.
• Medical repatriation.
• Search and rescue.
• Overseas funeral costs or repatriation of a deceased.
• Return of dependents.
• Travel costs to reunite with a hospitalised family member or friend.

Your protection is subject to additional terms, conditions, exclusions and limits. What you're covered for can differ based on your location. Make sure you see your wording for more details.

When you first visit XCover you’ll need to activate your account. This is an important step to make sure you can see your protection information, make changes, or make a claim when you need to. Simply find the XCover confirmation SMS or email in your inbox and click the link to activate your account. The link is secure. Follow the instructions to set up your XCover Account.

If you can’t find any emails from XCover or you’re having issues logging in, this helpful article will explain how to solve related issues.

Once you have set up your XCover Account, you should be able to easily log in, view your protection documents, make changes if available and start a claim.

If you’ve already activated your account, simply log in using the email address you provided when completing the initial sign-up process to view or download your documents. You will need to complete the steps above for all XCover Protection products purchased.

XCover is owned by Cover Genius, the insurtech for embedded protection who was ranked #1 in the Financial Times list of fastest-growing companies in 2020. 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 insurance companies.