Trip.com review: XCover travel insurance and others

Hi.
4KDSB-LB9AL-INS
CANCEL XCover TRAVEL INSURANCE AND REFUND AT THE EARLIST POSSIBLE OPPORTUNITY
Further to my request to XCover on 4th August to cancel my travel Insurance, subsequent XCover reply back on 5 August directing me to you “Trip.com” for the same. As per XCover only you can cancel the policy as I bought the insurance cover through you and only you have my personal details. We (my son and I) are going to Luang Prabang, Laos on a holiday from 6 August to 13 August, 2025. Thailand is our transit only, we are stopping over one night each on our way to Laos, albeit. It transpired XCover insurance did not cover for our holiday in Laos. Furthermore most importantly it did not cover for my son. Your website and telephone services did not offer any after sales services for XCover customer services and cancellation. Thus, I am requesting through complaint page to cancel my XCover insurance and refund as soon as possible.
In brief, there is no after sales services for XCover travel insurance that Trip.com is selling. For your information, in the print out of Insurance policy, I could not find my son’s name thus, I could not figure out whether he was covered under the insurance. I spent considerable amount of time through Trip.com website and telephone hot line to modify my policy to include my son as per XCover website without any success. I went back to XCover website to modify my travel policy, but it keep directing me to Trip.com for after sales services. Finally, I had enough and I decided to cancel the Insurance policy through XCover website on 4 August. But, Xcover came back on 5th August saying I can cancel only through Trip.com. Please refer below for further details and XCover response to my complaint and insurance cancellation request.
I look forward to hearing from you at your earliest convenience with XCover travel insurance cancellation confirmation and with refund for the same.
Yours faithfully

Kabindra Khadga
KABINDRA KHADGA – complaint and request insurance cancellation to XCover
Hi,
1. The policy cover for my travel to Thailand only. Actually, I am going on a holiday to Luang Prabang, Laos. Thailand is my transit only, although I will be stopping over for a couple of nights on my way to Laos and returning back.
2. The Trip.com does not have dedicated helpline for assistance if and when needed. Following your website it directed me to Trip.com for assistance and modification.
3. As per your website, I went to Trip.com website to modify to include my son on the policy. But, there was no option to do it.
4. I had a chat with your AI Ellen at "asks questions for answers". After few questions and answers back and forth, it insinuated me to purchase new insurance at $5 a month to put me to helpline assistance.
5. Reluctantly, I considered buying $5 insurance to get help from you contact centre. But, it didn't accept my card payment. And the list gone on.
Thus, I would like to cancel my travel policy with you and request for refund at your earliest convenience.
I look forward to hearing from you with my refund confirmation asap.
Thank you
Kabindra
XCover response to Kabindra Khadga to cancel travel insurance
Hi KHADGA,
Thank you for your patience while we were working on your enquiry.
We have experienced a recent increase in customer support requests, which has affected our response times.
Please contact Trip.com to cancel your protection. Unfortunately, we are unable to cancel your protection through XCover.
We also don't have access to the details of cancellations and refunds processed by our partners, so we encourage you to contact Trip.com for any updates.
Please note that your XCover Protection cannot be reinstated once it has been cancelled.
Let us know if you have any other questions or if there’s anything else we can help you with.
Thanks for contacting us,
The XCover Team