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Natwest Travel Insurance Reviews

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Latest Reviews

“cancelled flight = few options”.

written by AylaKoenig1951 on 18/01/2024

My flight was cancelled as airport closed for a hurricane. NatWest initially said this situation was covered as I phoned on the day, but when I went to claim, I was told it wasn't covered. First it was the responsibility of the 'carrier' who cancelled, until I could prove that the carrier did not: they are not an airport. Then it was said that they had no responsibility to get travellers home, only to get them to their holiday spot - which is really weird, as surely it's much more difficult when you are stuck in another country than when you are stuck at home. Eventually they offered £50 as a token. I pushed further. In the end they partially paid (around 75%) after I escalated for two months. You have to be ready to take them to the ombudsman and wait a very long time. Since NatWest won't get you home in an emergency, it's useless insurance.

“No pay out for cancelled flight”

written by Condie94 on 30/11/2023

Our flight was cancelled after a 4 hour wait at airport , next flight was not until the following week, so we had no option but to cancel our accommodation which we had booked for a 4 night stay. Easy Jet paid out promptly for cancelled flight . But not for accommodation as it was booked separately, went to our insurance despite many email proof etc etc they kept asking for same info already sent to them , they refused to pay out as they said flight had to be delayed 10. Hours the cancelled before they would pay out . Although I was told by two agent in the phone I was covered . Have since not renewed with Nat west although we have been with them for years , they were not interested in keeping us as customers .

“NatWest Premier or Black Travel and Home Emergency...”

written by 148Stout on 24/10/2023

I have been a loyal costumer of NatWest Bank for over 45 years and have their Premier account with Black card. We rarely make insurance claims. Our home emergency claims back in 2020 and recently in May 2023 were denied giving lame excuses. I could not complain in 2020 due to COVID ongoing at the time. To add to the insult recently have made travel insurance claims, one for holiday cancellation due to unforeseen death in my close family and me requiring medical treatment whilst on holidays. The 1st claim requires so much evidences that cost of securing medical certificate for death, it would not be worth making a claim considering £75 access per person. For the 2nd travel insurance claim, the insurance company have denied costs which incurred in the UK immediately after arrival claiming it is not covered. However, the policy does not say so. Basically, NatWest have engaged the travel and home emergency insurance cover providers, who have no intension to pay any claims. NatWest is charging me £31 per month premium for the account. Basically, the bank has engaged the cheapest and unprofessional insurance providers so that the bank makes huge profits. I would not recommend anyone to have travel or any other insurances with NatWest. The insurance contracts are useless with no intension to pay up when a claim is made. For me, time to move on and find another bank and travel insurance company who would pay up.

“Avoid NatWest Travel Insurance”

written by Stepheng999 on 23/10/2023

I’m a NatWest Black account holder so get NatWest Travel Insurance as part of my account "benefits." We were going on a boat trip around and through Scotland but we didn’t make the connection as our train to Glasgow never reached it’s destination. We were stuck overnight in Penrith. However, as the train left Birmingham on time and the boat trip went ahead we were told we weren’t covered. I’ll be moving my personal, family and business accounts from NatWest.

“Not fit for purpose ”

written by Kev_Stanfield on 31/08/2023

The airline lost our baggage I called this, so called, insurance and was clearly told that if I did not have receipts for every item I could not make a claim. So basically if your baggage is lost you cannot claim For anything without receipts Disgusting service and not fit for purpose

“Cancelled flight no help”

written by TomArrington on 18/08/2023

My flight was cancelled while I was at the gate waiting, I lost my accommodation and got no refund, I paid for parking and paid to get to the airport. I was told by the airline I needed to claim on my travel insurance, they've told me it's not covered. I'd love to now what is covered if this isn't.

“Terrible shocking service”

written by JonahDowling on 16/03/2023

I have found Nat west travel insurance to be absolutely terrible, when I was in trouble and needed their help they take info and do nothing with it, I keep phoning and they keep saying they will reply, but they don’t. They are not proactive at all. To me it appears they are stalling to see if I can find alternative solutions and therefore they have to not pay out. Do not use this company they are the worst I have ever seen.

“Dont take Natwest travel insurance not worth it”

written by Sajj79 on 14/03/2023

I have taken the insurance from Natwest by joining Platinum account and cancelled my other insurances also going to cancel AA etc. But to be honest its not worth the paper its written on. I have missed my connecting flight due to fog, luggage lifter not working then some one falling ill delaying my flight and reaching me to final destination by 18 hours, Airline wouldn’t pay compensation because as per them it was air control limitation and no liability. Natwest initially declined claim without looking at it, then i had to call (every time you call expect 40 minutes hold minimum) and explain then they opened the claim again but said it takes 30 days for claim to process, they rang after 23 days saying claim is not covered other than food money. I had to complain and submit details again which i already submitted and can see on the website but they cannot see. I had call again to say that this is not covered but because it was mistakenly said they will pay £466. But the money i lost which is clearly states in policy that it should be covered not paid. At the end i just lost my strength going through this hassle and give up. During the claim i have uploaded documents 3 times, placed 5 calls all hour each, had claim declined 2 times and not got paid for the money i lost because Natwest suggest Airline should pay, Airline says insurance should pay as this is none liability for Airline situation. I found this bizarre and i just wouldn’t rely on this and wouldnt recommend this is my honest appraisal of the claim handling of Natwest! Thank you

“Shockingly poor service, do not use”

written by Jessica2559 on 09/01/2023

I have travel insurance has part of my NatWest platinum account and this is the first time I have ever needed to use it. Safe to say I will never use it again and will be changing banks after being with NatWest for over 10 years. We were stranded in a snow storm in Iceland in a very stressful situation, the agents on the phone had absolutely no compassion and basically told us we had to try and claim money back from our airline first, surely this would defeat the purpose of travel insurance? We were originally told if our flight was cancelled it was not covered by the policy but if it was delayed then they would potentially cover it but we still had to go to the airline first. This is totally baffling, what difference does it make between delay or cancellation? Surely a cancellation would warrant a stronger claim as you have totally lost your money on a cancelled flight? Furthermore, one of our day excursions was cancelled during the holiday due to the snow storm and we have now been told this is also not valid for a claim as tour operations/excursions are not covered in the policy booklet, only cancelled flights/trains, despite this totally contradicting the first person saying cancelled flights are not covered? The agent I spoke to refused to even submit my claim, offering to direct me to read the policy booklet to see for myself. This is so disappointing but a lesson learned and a mistake I will never make again. I wish I had read these reviews previously as one look at the very long list of 1 star reviews tells you everything you need to know!

“Would give 0 if we could”

written by Kaitlinq349 on 24/10/2022

We have been Natwest customers for years. Our flight was cancelled 4 hours before we were due to fly and there were no alternative flights. Despite the policy documents saying this was cancelled they have added an exclusion contradicting this at the end. What sort of travel insurance doesn't cover for a cancelled holiday?

“Disgusting treatment ”

written by Archerhg496 on 12/10/2022

We have had this travel insurance for years and never made a claim before. We paid an extra £180 above the £20 a month for the platinum account. because myself and my husband take medication for high blood pressure. We were due to go on holiday but unfortunately my mom passed away 4 days before the due date. I waited until we got the death certificate so I could send to the insurance but on making contact our insurance doesn’t cover my moms death because she had already been diagnosed with cancer and I should have declared this. I have no idea why I would tell them about my mom, we declared all of our medical conditions answered every question honestly and this is how we have been treated. No compassion, no help and downright rude. At a very stressful time anyway, it would have been nice to have been treated with some compassion. We will be ending our travel insurance as soon as we can and definitely would not recommend this travel insurance . I would like to put zero stars but that’s not allowed.

“Avoid At All Costs”

written by Rylanp103 on 03/05/2022

If you have the choice not to use/buy Natwest's Travel Service, I strongly urge you not to. I have been a Natwest customer for 35+ years. I've never had any real issues with Natwest's services or service performance, until now. My family and I went to Luxembourg at Christmas in 2021. We used their Travel Insurance Service, provided by Direct Line. 5 months later, only now has most of the claim been settled, although some of the claim remains outstanding. I have spent countless hours on the phone, explaining, re-explaining, providing exhaustive levels of documentation, only for the team to pay no attention to the information submitted. We have also received Debt Collection Agency letters over unpaid medical bills in relation to foreign treatment owing to Direct Line's administrative incompetence. Natwest have also failed to take any accountability, repeatedly closing my complaints as it's "a Third Party Service" - one to which they introduce their own customers. Repeated complaints to Direct Line conclude with goodwill payments but no conclusion in the saga. Please, don't do it!

“Cancelled flight”

written by PaulM100 on 30/04/2022

Shockingly bad! The airline cancelled our flight within 24 hours of travel. NatWest travel insurance which is part of the Bank platinum account have refused to pay our hotel and other lost expenses. What I was told NatWest do pay out for is what’s already covered by EU legislation, therefore airlines would automatically pay you those losses. So why would anyone need travel insurance for what’s paid by airlines anyway? Do yourselves a favour and do not use this insurance company as it’s not fit for purpose. I am SERIOUSLY considering changing banks. Been with NatWest approximately 30 years, never claimed before. First time to make a claim and it feels like a slap in the face.

“refused paying claim”

written by liliyk on 29/04/2022

my flight was cancelled by airline. contacted nat west travel insurance (i have this as part of my banking package) and the recused to pay for loss of hotel cost because airline cancelled flight within 24hrs. how is this even allowed. we have no control over when airlines cancel flights, and through no fault of our own, we have now lost £400. totally unethical

“Call handlers range from aggressive to incompetent. Avoid.”

written by on 11/08/2021

Thank goodness this claim (now into its 8th month) isn’t for a significant amount, nor the medical emergency overly serious. From the first call we made while abroad there seemed to be endeavours to avoid responsibility - and to find a “gotcha” flaw in our claim. Made to feel as if we were planning the fraud of the century (the total is only about £500, if it ever gets paid). Already two complaints have been upheld by their customer relations team - and compensation (not requested) paid. The latest delays now are down to sheer incompetence - computer-garbled letters, letters without appropriate enclosures, and long delays trying to find someone to speak to. We’ve a long and excellent relationship with NatWest as a bank - but I wonder if anyone there knows or worries or cares that in delegating their reputation to this bunch of clowns, U.K. Insurance Ltd, they are damaging their own brand. Our Black account gave us this travel insurance (though we had to pay £150 extra for age and medical issues). The renewal date has passed and we have no intention of taking out further cover - the sour taste has even made us think twice about keeping the two Black accounts with NatWest: perhaps someone else will care more about their customers. My recommendation - avoid like the plague. Anyone out there from NatWest who gives a monkey’s?

“Not worth the paper / email it’s written on”

written by Shauny64 on 31/10/2020

Terrible service. They will drip feed questions over months, not put links to send back info in emails do you have to post. They then get you to try a charge back in the end 6 months later they’re still dragging it out. Run by UK Insurance Shocking but not surprising. Not holding out much hope for them to pay out. Their plan is obviously to delay and stretch the timeline out until it’s not worth the time Ours was only for around £250. It’s cost them more in time than to just pay out Sad way to run a business Please don’t rely on this for your holiday insurance

“NatWest do everything they can to not pay out.”

written by Karis4444 on 29/09/2020

I’ve just read another review that exactly mirrors my experience. We had Travel Insurance as part of my Black Card which I upgraded for a upcoming ski holiday at a further cost of £240. The Ski holiday was cancelled due to COVID, we got our flight money back plus transfers etc but the chalet company ( given we were only 1 week away from starting our holiday) could not pay out. After contacting NatWest they told me to upload the details onto their online portal, which we did. They continuously requested the same information multiple times and in the end I sent it to them by Registered post. After months of trying to get through in their telephone lines, they finally accepted that the refund was due and told me that they would pay out within 3-5 working days. They didn’t. After 10 days of trying to get through I eventually got hold of someone who told me they were now passing it on to their lawyers and asked me to send all the information to them yet again...which I duly did. After another 2 weeks I heard nothing and rang again and was told another firm of lawyers were now dealing it with it and I had to contact them, which I did and they asked for me to send them all the information yet again which I did. I heard nothing more and NatWest are now deliberately refusing to acknowledge my emails and fudge phone calls when I manage to get through. I have put in a complaint to the Financial Ombudsman and have also put in a claim to the Small Claims Court. I am also building a folder for the FCA and have approached the Press., whom seem interested in taking this forward. Nat West’s behaviour has been disgusting.

“Shocking refusal to pay claim”

written by Tobinlr314 on 22/09/2020

We sadly couldn’t go on our skiing holiday due to government travel restrictions due to covid-19. We have had a black account for many years which includes a travel policy. We submitted a claim. After accepting refund and credit notes for travel, ski hire etc... we just needed them to pay out only for the accommodation. The bank have deliberately delayed and have finally refused to pay out. They claim that we need to sue the chalet company for the money as they cancelled. They are refusing to accept that the reason our holiday was cancelled were the travel restrictions imposed by both governments in March, as according to their own T&C’s they would have to pay in this event. Instead they are saying they don’t accept the chalet clause which says they wouldn’t pay out in such circumstances. Communication has been dire and they appear to be doing absolutely everything possible to delay and wheedle out of paying. Very disappointing. I will be going to the ombudsmen. Of note another family on the same holiday have been paid out by the equivalent account with HSBC.

Shauny64's Comment

Written on: 31/10/2020

Seems like they’re doing this to everyone :(.

“Dumped after number of years”

written by Houstonhe136 on 18/07/2019

i have just beed refused cover for medical conditions that WERE covered over the last 2 years. Seems that Nat West are now disriminating against people with cancer no matter how benign. Told to apply again next year! Again told change of underwriters was the reason. Platinum gold account therefore feels almost useless.

Pelicanport's Comment

Written on: 21/07/2019

Absolutely .After 56 years with the bank , and as a Premium customer and several years using the Black Card insurance .my wife has received a letter withdrawing cover for excluded conditions .Apparently the Bank is underwritten by UK Insurance which in turn is underwritten by a new medical platform provider .Exclusions are driven by a primary condition which then triggers exclusions for all other conditions such as blood pressure ..We assume that if these are is not a primary driver then the other conditions would otherwise be covered .In our case there is an error in the exclusions which we cannot get changed .The letter came from the bank although we know that it was written by UK Insurance .The Bank complaints department refuse to talk about medical conditions even though the medical exclusion is expressed on NatWest headed paper ..The letter was garbled with incorrect information. In effect we either travel with a faulty insurance or we get alternative insurance. I cannot get the bank to see that this is a loss of benefits on our black card .The complaints department in Bolton is absolutely useless and will not engage in any of the points I have made and stick to the line , we will not discuss health issues and we have the right to exclude conditions .All round this is the performance of the truly awful bank .The FCA have launched an inquiry into travel insurance .Please join me in reporting this matter to Ross McEwan RBS chief executive , the Ombudsman , the FCA , consumers association,BIBA, Association of British Insurers and even the BBC

“Suddenly dumped by Natwest.”

written by Oldclient on 16/06/2019

I have been in account with NatWest and its predecessors since 1963.Have had the Platinum account with travel insurance for many years. Just coming up to my 79th birthday and been told that I am no longer covered for two medical conditions that I had being paying the extra for which effectively renders their cover useless. No reason given other than "We have changed our underwriters". So much for loyalty to long standing customers!

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HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » Natwest Travel Insurance

Natwest Travel Insurance Review and Quotes

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Natwest is the right company to go on holidays with?

In this definitive Natwest review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Natwest the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Natwest travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,2 Safe overall rating for Natwest

Natwest travel insurance reviews by expert and consumers

To check if Natwest is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Natwest travel insurance cover?

Natwest travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

NatWest's Travel Insurance Policies are available for individuals, couples and families.

Natwest single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Natwest:

Natwest winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is available as standard and it comes with the following benefits:

• Up to £400 ski equipment cover
• Up to £250 ski pack cover.

What are the other travel insurance options available at Natwest?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Natwest before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Natwest travel insurance?

You'll find below indicative quotes per level of cover at Natwest:

It is, however, quite difficult to give precise price ranges as Natwest travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Natwest?

There are no discounts mentioned on the website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Natwest.

What else should I know about Natwest travel insurance?

What are the general exclusions at natwest travel insurance.

To be eligible for the travel insurance policy at NatWest:

• You have to have a valid bank account with them
• You have to be under the age of 70 years unless you buy an age extension
• You must be transparent about any pre-existing medical conditions
• You must have already planned on a return date from your trip.

How do I get travel insurance quote from Natwest?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Natwest is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Natwest website?

Through the customer portal, you can view every benefit that comes with your account. You can log in to your account through this log in page

How to claim at Natwest travel insurance?

There are 2 ways to make a claim and that is either online or through a phone call.

How do I contact Natwest travel insurance?

Natwest contact phone numbers, natwest other contact details, how to cancel your annual natwest travel insurance policy.

You will find below main information to cancel your travel insurance policy at Natwest:

Our opinion on Natwest travel insurance

NatWest is a bank that offers travel insurance policies that come along with their current accounts. The insurance policies are available across 3 levels based on the account types: Silver, Platinum and Black. The company's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the FCA and the Prudential Regulation Authority.

The travel insurance covers available are Annual Multi Trip with up to 31 days for Silver and Platinum accounts and up to 90 days for Black accounts. The insurance covers come as standard when you open the current accounts therefore, there are no additional premiums to pay for unless you opt for an optional additional cover.

Aside from the travel insurance cover, depending on the type of bank account, you're also covered for the following: mobile phone insurance, free debit card purchases abroad, UK and European breakdown cover, access to over 1000 airport lounges, and 24/7 concierge services.

We would only recommend you consider Natwest if you're actually looking to open a current account that comes with travel insurance cover.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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The three best bank accounts with travel insurance bolted on: We pick our favourites and whether they're worth paying for

• Some bank accounts include annual worldwide travel insurance
• They often also include car breakdown cover and mobile phone insurance 
• Although there is a monthly cost, having such an account may make sense

By Ed Magnus For Thisismoney.co.uk

Updated: 03:28 EDT, 9 August 2022

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Many Britons will feel a bank account isn't something they're prepared to pay for - after all, most current accounts are 'free'.

However, some packaged bank accounts offer a host of benefits that added together could justify their monthly cost.

The typical perks include free annual worldwide travel insurance, car breakdown cover and mobile phone insurance, often with family members included. 

There is also the convenience factor of having three insurance policies taken care of saving both time and effort in having to organise it separately. 

Some bank accounts charge a monthly fee, but throw in perks such as annual worldwide travel insurance.

Michelle Stevens, banking expert at comparison site Finder, says: 'If you and your family are frequent travellers, then a current account with packaged travel insurance could be well worth the monthly fee, especially given the rising cost of travel insurance premiums in the last two years. 

'But before signing up to any premium current account, it’s important you check that the terms of the travel insurance policy - as well as the other account features and perks - suit your needs.' 

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She adds: 'Another benefit of getting free travel insurance with a current account is that a lot of people usually forgo it - up to 8.6million in 2019 - which is not an advisable move. 

'If you get seriously injured abroad then the bill can reach hundreds of thousands of pounds, so having travel insurance included with a current account may result in a lot of people getting covered who may not have done so otherwise.'

We pick our three favourite current account deals for travel insurance, taking into account the monthly cost and the additional perks on offer.

1.  Nationwide Flex Plus  

This account offers worldwide travel insurance as well as mobile phone and European breakdown cover.

It does come with a £13 monthly charge, which, compared to other packaged bank accounts looks relatively cheap.

Its worldwide family travel insurance, includes winter sports, golf, weddings and business cover.

Nationwide offers worldwide travel, mobile phone and European breakdown cover and charges £13 a month for maintaining the account.

Cover for travel essentials includes luggage, documents and cash as well as protecting against travel-specific problems like delays, cancellations and medical expenses.

Then cancellation cover is up to £5,000, the medical expenses cover up to £10 million, whilst cover for travel disruption will be eligible when caused by natural disasters, or airline or travel end supplier failure.

The policy doesn't cover medical conditions unless they have been declared to Nationwide and accepted. In some instances, you can pay for a medical upgrade to your insurance policy.

Two other clauses to be aware of is that the longest trip length allowed is 31 consecutive days. 

For any person to be insured who is aged 70 or over, they must buy an age upgrade to cover them.

Although the monthly cost will add up to £156 a year, it's possible to offset much of this during the the first year, thanks to Nationwide's current account switching incentive.

Non-Nationwide members can currently get £100 for switching, whilst members who switch to the Flex Plus account could get £125.  

Saves the extra admin: Nationwide's annual travel insurance policy is worldwide, and covers a whole family for multiple trips, not just the individual account holder.

On top of travel insurance, account holders get vehicle breakdown cover both in the UK and the rest of Europe and mobile phone insurance for the whole family.

The car insurance is valid whether someone is a driver or a passenger in a vehicle, and comes with no excess to pay and unlimited callouts.

The mobile insurance covers mobiles belonging to the account holder and those belonging to their partner and dependent children. It covers for loss, theft, damage and faults.

2.  Virgin Money's Club M Account

Virgin's Club M Account comes with a £14.50 monthly charge.

Similar to Nationwide, it offers 31 days' worldwide cover per trip. It will cover the account holder and a partner living with them if there're both under 75, so it's a little more generous on that front.

Virgin's worldwide family multi-trip travel insurance - includes winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

There's also cover for up to four dependents under 18 - either in full time education or living with the account holder.

Emergency medical treatment, includes falling ill with coronavirus while away, and cover for the journey home, if it's medically necessary.

It also covers lost, damaged or stolen items, and if the baggage is delayed, any essentials will be paid for in the interim period. It also includes cover for delays or missed departures and winter sports as standard.

Account holders are also covered when cancelling or cutting short a trip if they fall ill with coronavirus as long as they didn't know they had it and weren't being tested for it when they booked their trip. 

The cover includes emergency medical, surgical, hospital, treatment and ambulance costs, as well as any additional accommodation and travel expenses if someone cannot return to the United Kingdom.

There is a maximum allowance of 31 days of worldwide cover per trip.

It covers the account holder and their partner living with them if they're both under 75. There's also cover for up to four dependents under 18. 

A claim will be void if it relates to any medical treatment received because of a medical condition or an illness related to a medical condition which a person knew about at the time of opening the account. 

What else? 

On top of the travel insurance it also offers UK breakdown cover with no call out charges, whether as the driver or the passenger and offers help at the roadside and at home.

It also offers worldwide mobile phone and gadget insurance covering against loss theft, damage, and breakdown

Just make sure you've declared any pre-existing medical conditions and don't leave your valuables unattended to be fully covered.

Its Worldwide family multi-trip travel insurance - including winter sports, golf and weddings. Plus, 24 hour access to a doctor at home or abroad.

Virgin current account holders also benefit from various other perks.

It offers access to an easy-access linked savings account paying 1.71 per cent on balances up to £25,000. C ustomers can also benefit from 2.02 per cent on balances up to £1,000 in their bank account.

New customers switching to the Virgin Money Club M Account can also receive a bonus of 20,000 Virgin Points to spend with Virgin Red, thanks to Virgin Money's latest current account switching offer.

Virgin Red is a rewards club that turns everyday spending into points. Once you are a member, you can earn and spend Virgin Points across almost 200 different rewards.

The 20,000 Virgin Points boost means travellers could get a return flight to Barbados, the Bahamas or St Lucia, while bakery enthusiasts could turn their points into 100 sausage or vegan sausage rolls, 61 coffees or teas or 100 doughnuts or muffins.

3.  Halifax Ultimate Reward Current Account  

Halifax Ultimate Reward current account costs £17 per month, the equivalent of £204 per year. However, there are ways to dramatically reduce this via its cashback and switching offers.

The account includes a family travel insurance policy for the account holder, their spouse or partner and children aged 18 or under, or up to 24 if they're in full time education. 

It includes cover for personal belongings, certain sports and activities such as winter sports golf trips.

At £17 a month Halifax is the most expensive of our three top picks. However, its £150 cash incentive and £5 monthly cashback could help account holders to significantly reduce the cost.

Its cover includes, up to £10million for hospital fees, repatriation, medical confinement, funeral and dental costs incurred if taken ill or injured on your trip. 

Up to £5,000 in total for loss of pre-paid travel and accommodation expenses in the case of cancellation or curtailment. 

It covers personal baggage up to £2,500 if it is lost, damaged or stolen. This includes up to £500 for valuables, and up to £500 for a single item or pair or set of items.

It also covers personal money up to £750 for loss, or theft. This includes up to £300 cover for cash. This is limited to £50 for under 16s.

Watch out: 

Existing medical conditions are not covered, unless these are agreed with the insurer first, and an additional premium may be payable.

The longest trip length is 31 consecutive days. For winter sports, a maximum of 31 days cover in a calendar year.

Halifax's travel insurance covers personal Baggage up to £2,500 if it is lost, damaged or stolen.

It's also worth noting that a £75 excess per adult per incident may apply and to be covered trips must start and end in the UK.

All cover ends when the account holder turns 71. As long as the account holder is less than 71, their spouse or partner will also be covered until they reach 71. 

Eligible children can also be covered so long as they are travelling with the spouse, partner or civil partner of the policyholder. 

What else: 

It also offers car breakdown cover with the AA. This covers any vehicle the account holder is travelling in, at the roadside or at home. But only in the UK. 

For mobile insurance, it covers breakdown, accidental damage, loss and theft up to £2,000. 

However, it only Covers one phone per account holder or two in the case of a joint account. An excess of £100 is payable on all successful claims.

The £17 fee makes it a little more expensive than a few others but there are ways to reduce the cost.

Halifax is currently offering a £150 switching incentive for those who switch from another current account.

On top of the £150 bribe there are other perks to take advantage of. There is a choice of £5 a month paid into the account, two film rentals or three magazine rentals, or a free cinema ticket each month.

In order to benefit from this account holders must choose to either Spend £500 on their debit card each month or Keep at least £5,000 in the account at all times.

They must also pay in £1,500 or more into your account each month and stay in credit - keeping your balance at £0 or above.

THIS IS MONEY'S FIVE OF THE BEST CURRENT ACCOUNTS

Chase Bank will pay £1% cashback on spending for the first 12 months . Customers also get access to an easy-access linked savings account paying 3.8% on balances up to £250,000. The account is completely free to set up and is entirely app based. Also no charges when using the card abroad.

Nationwide's FlexDirect Account offers 5% in-credit interest to new joiners when they switch on balances up to £1,500. This rate only lasts for one year. The account is fee free.

Halifax Reward Account pays £150 when you switch. Also earn up to an extra £75 cashback when you spend £750 each month for 3 months. There is a £3 monthly account fee, but that’s stopped by paying in at least £1,500 each month.

First Direct will give newcomers £175 when they switch their account . It also offers a £250 interest-free overdraft. Customers must pay in at least £1,000 within three months of opening the account.

NatWest's Select Account account pays £200 when you switch. The account has no monthly charges, but to be elligible for the £200, you'll need to deposit £1,250 into the account and log into mobile banking app within 60 days.

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Natwest travel insurance: protecting you and your travels.

Travel insurance is necessary when you are planning a trip abroad. It provides you protection against unforeseen scenarios and losses you might suffer on a trip and give you the financial means to deal with it. If you are looking for reliable, comprehensive and affordable travel insurance, then NatWest Travel Insurance is a popular option. In this blog, we’ll cover what NatWest Travel Insurance, what coverages and policies it provides, and most importantly, if it’s the right travel insurance provider for you. 

What is NatWest travel insurance?

NatWest Travel Insurance is a product offered by NatWest, a popular UK-based bank that offers a variety of financial services to customers. Like most leading travel insurance, NatWest travel insurance is designed to protect policyholders against unexpected events that might occur during a trip or a holiday. 

Travel insurance by NatWest can be bought as a part of their packaged bank account. The company offers a range of covers, including single-trip, annual multi-trip, backpacker, and winter sports. Read on to find out about these covers in detail and how you can get NatWest travel insurance as a part of their packaged bank account. 

Covers offered by NatWest travel insurance

NatWest offers a range of travel insurance covers to suit the diverse travel needs and budgets of its customers. Here are the main types of coverages that you can avail from NatWest: 

NatWest Single-Trip Travel Insurance

NatWest’s Single-Trip Travel Insurance is for those who travel less and far in between. The policy covers a single trip, usually up to 90 days in duration. The policy covers medical expenses, cancellation, personal liability, baggage loss, and travel delays. 

NatWest Annual Multi-Trip Insurance

NatWest’s Annual Multi-Trip Insurance is for those who frequently travel throughout the year. This is a cost-effective way of securing your travels, where you buy a collective plan instead of paying for each trip separately. This policy covers an unlimited number of trips during the year. Your trip duration can be up to 31-45 days at the maximum, depending on the policy you choose. 

NatWest Backpacker Travel Insurance

If you are taking a gap year or want to travel for an extended period of time, then this cover will be the right choice for you. Whether you are taking a gap year or on a mission to travel around the world, NatWest will tailor the policy to your needs. The policy cover trips for up to 18 months, where you can avail protection against medical emergencies, trip cancellations and personal liability. 

NatWest Winter Sports Travel Insurance

Winter sports like skiing and snowboarding are popular amongst travellers. They are not only exhilarating but also bring you one of a kind experience. If you are planning on participating in this excitement on your next trip, then NatWest’s Winter Sports Travel Insurance is meant for you. This policy offers you additional coverage for winter sports equipment, ski passes and piste closure.

NatWest Bank Accounts for travel insurance

NatWest offers three types of bank accounts: Silver, Platinum and black. Each of these accounts comes with travel insurance coverage as well as additional benefits such as mobile insurance, car breakdown coverage and airport lounge access. Find the details of the travel insurance cover under each account below. 

1. NatWest Silver Travel Insurance

The NatWest Silver account comes with Silver travel insurance which provides cover for the usual, including cancellation or cutting off your trip earlier than planned and medical emergencies and treatment. For medical expenses, you can get up to £10 million in cover, and for cancellations and curtailment, you can get up to £5,000. You can also avail of additional benefits for an added cost like baggage loss or travel delay.

As we mentioned earlier, you can also get a mobile phone cover of up to £1,500 for repair or replacement. Another cover that the NatWest Silver account provides is the car breakdown cover that includes roadside assistance and recovery in the UK & Europe. 

2. NatWest Platinum Travel Insurance

The NatWest Platinum account comes with Platinum travel insurance but with higher levels of coverage for medical expenses, cancellations and curtailments. The policy includes up to £10 million for medical expenses and £10,000 for cancellations. The policy also includes a cover of up to £2 million for personal liability and £50,000 for personal accidents. 

Coming to mobile insurance, which covers loss, theft or accidental damage, you can avail of up to £2,000. Like the Silver account, you will receive car breakdown cover and additional lifestyle benefits like discounts on travel and entertainment. 

3. NatWest Black Travel Insurance

The NatWest Black account comes with Black travel insurance with the highest levels of coverage for medical expenses, cancellations and curtailments. The policy includes up to £15 million for medical expenses and £20,000 for cancellations. As for the cover for personal liability and personal accidents, you will get up to £2 million and £100,000, respectively. 

The mobile phone cover is also more in NatWest Black travel insurance, summing up to £2,500. As a standard, this policy, too, includes car breakdown cover along with other benefits like airport lounge access and discounts on travel and entertainment. 

NatWest is a premium travel insurance provider that offers comprehensive policies and covers, leaving no stone unturned. The level of coverage and benefit you receive will depend on which cover you have invested in. Before you sign up for any of their covers, make sure to read the fine print carefully so that you are not blindsided. For more information on travel insurance, visit Tripcoloumn. 

Do I need to register for travel insurance?

NatWest account owners don’t have to register for travel insurance as they are already covered. If you want to extend your cover to include pre-existing medical conditions, then connect with NatWest’s support team, as that might require some additional costings. 

Do I need to inform NatWest about my travel plans? 

No, you don’t have to inform NatWest about your travelling plans. If you have one of their bank accounts – Silver, Platinum, or Black, then you are already covered by your travel insurance. 

How can I make a claim?

To make a claim for your NatWest travel insurance, you can log in to Membership Services and complete the online form. This is where you can manage all your account details. You can also call the NatWest support team for further assistance. 

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NatWest chooses Allianz Partners as its travel insurance provider

Allianz Partners has been appointed by NatWest Group as travel insurance provider to their packaged bank account customers.

The partnership between NatWest and Allianz spans the group's wider family of brands, including RBS and Ulster Bank. Access will begin from February 2024.

This follows Allianz Partners' successful work with Coutts, RBS International and Isle of Man Bank, all part of NatWest Group.

Marcus Latchford, chief sales and distribution office, Allianz Partners UK and Ireland, said: “Our partnership with NatWest Group is thanks to the excellent foundation we have developed over the past five years working with Coutts and other parts of the business. We’re delighted that we are able to extend the partnership to cover the whole Group.”

He continued: “Our digital innovation combined with the ‘human touch’ has enabled us to broaden our share of the UK travel insurance market and this collaboration exemplifies our customer focus and commitment to provide exceptional insurance products and services, embedded within our business partners’ products. We look forward to delivering peace of mind to NatWest Group’s customers.”

Barry Connolly, managing director of Every Day Banking NatWest Group, commented: “Travel insurance is one of the benefits that our packaged account customers tell us they value the most, and we’re really pleased to be working with a global, long-standing trusted partner to enhance the experience customers have when taking out the product and tracking their claims, giving them greater peace of mind.”

Allianz  UK has also developed an artificial intelligence (AI) t ool to combat fraudulent insurance claims.

Called Incognito, the tool was developed in partnership with specialists from Allianz UK’s operations.

The AI-powered tool flags possibly fraudulent claims, which are submitted to a fraud specialist for thorough analysis and investigation.

Allianz UK said that Incognito has saved the company £1.7m since its creation, and an additional £3.4m is being held in claim reserves while the investigations are still ongoing.

The insurer claims that application fraud savings have risen by 150% in comparison with year-to-date forecasts.

It attributed the surge in fraud cases to a number of factors including the cost-of-living crisis, a weakened economy and the economic downturn.

"NatWest chooses Allianz Partners as its travel insurance provider" was originally created and published by Life Insurance International , a GlobalData owned brand.

The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site.

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Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, insureandgo.

• Unlimited medical emergency expenses¹
• Up to £10K cancellation cover
• 24/7 emergency medical helpline

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Compare InsureandGo with NatWest travel insurance

We might not be  NatWest  but, if you’re looking for travel insurance, we still think we can help you.

We’ve tried to make holiday insurance sound exciting in the past but it doesn’t work. So now, we just focus on making it as quick and as simple to get covered.

And because we’ve specialised in providing  travel insurance  for over 10 years, the cover you’ll get is comprehensive and you can rest assured that we know what we’re doing. Get covered now so you can get back to thinking about your holiday!

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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A current account with extra benefits

To apply, you must be 18+ and a Jersey, Guernsey, Gibraltar or Isle of Man resident. Applicants from Gibraltar must be an existing customer. £18 monthly fee.

For a monthly fee of £18, get more with Gold.

• Arranged overdraft with preferential rates. Subject to status
• Credit interest on current account balances
• Travel insurance for you and your family, including winter sports cover
• 24/7 dedicated concierge service helping you make the most of your valuable free time
• Private Motor Excess Insurance and car rental loss damage waiver insurance

Why choose a Gold account?

Travel insurance in detail.

One of the primary Gold benefits is the travel insurance. The built in travel insurance offers comprehensive cover when travelling and includes winter sports cover.

If you experience difficulties while abroad, you have access to 24/7 emergency medical assistance. Wherever you are in the world, one simple phone call will provide you with instant help and support, day or night.

• Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). 
• Children must be living at the home address (or with the other parent), and be neither married or in a civil partnership.
• Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

Review our insurance guides

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our  frequently asked questions (opens in a new window) .

Emergency medical assistance and claims

If you are injured or ill while you are away, please contact us on:

020 8763 3040

Call +44 (0) 20 8763 3040 from abroad

Using Relay UK? Call 18001 020 8763 3040

email: [email protected]

Lines are open 24 hours a day, 365 days a year

Non-emergency claims

For non-emergency claims, please contact us on:

023 9267 6060

Call +44 (0) 23 9267 6060 from abroad

Using Relay UK? Call 18001 023 9267 6060

email: [email protected]

Lines are open 9am to 5pm, Monday to Friday

Only available to Gold account customers. Gold travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance.

What the concierge service offers

NatWest International has teamed up with Ten, a leading lifestyle management company to bring Gold account customers a 24/7 concierge service.

Our members enjoy a whole host of exclusive dining, travel, entertainment and retail benefits that have been negotiated with world-leading brands by our team of specialists.

• Unlimited dining, travel and ticket requests
• Savings on flights departing from the UK with Ten’s partnered airlines including various long-haul destination flights with British Airways.
• Access to the experts at Ten concierge

How to get started with Ten

Call or email Gold membership services on:

+44 (0) 2392 676060

email: [email protected]

When emailing Ten concierge, please remember to include your full name and details of how they can help you.

Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm. If you’re calling outside of these hours, please call 0207 479 3447.

Private Motor Excess Insurance

The insurance works alongside your existing car insurance. It covers the cost of your excess if you have to make an ‘at fault’ claim where the damage to your vehicle is greater than your excess limit. Should you need to make a claim on your car insurance, you pay your excess as normal and then claim it back. Cover is available for persons who own and insure their private motor vehicle. £3,000 is the limit under the policy.

To notify the insurer of a claim:

Policy number: NWI - PME

Membership Services:  02392 676060 Monday to Friday 9:00am - 5:00pm

email:  [email protected]

You must give all information or help that you are asked for. Further details of how to claim are included in the policy document.

Car Rental Loss Damage Waiver Insurance

£50,000 (or equivalent in local currency incurred as a result of damage, fire, vandalism, theft of use of the rental vehicle. £20 per day (up to a maximum of £200) if the car rental is cancelled or cut short on the advice of a physician. £200 to pay for drop-off charges incurred through the car rental station following an accident or illness. £50 for calling out a locksmith if a named beneficiary unintentionally locks their keys in the rental vehicle.

Policy Number: NWI - LDW

Membership Services:  02392 676060 Monday to Friday 9:00am – 5:00pm

This insurance provides cover for rental periods of up to 31 days. Cover is available for persons aged 21 to 84, at the time when the car rental booking is made.

Only available to Gold account customers. Private Motor Excess Insurance and Car Rental Loss Damage Waiver Insurance provided by AWP P&C SA and administered in the UK by Allianz Global Assistance.

Switch your account to us

The Current Account Switch Service makes switching from one bank or building society to another simple and stress-free. You can choose a switch date to suit you, just make sure you allow a minimum of 7 working days.

The Current Account Switch Service is not available for accounts held in Gibraltar.

Day to day banking from your screen

Online banking

Online banking is a fast and secure way to manage your everyday finances with features including:

• Make sterling & international payments
• Manage your Direct Debits and standing orders
• Create text alerts and more

Online banking available to customers aged 11+ with a NatWest International account.

Banking has never been so convenient with our simple mobile banking app.

• Get cash without your debit card
• Transfer money and make payments
• Find your nearest branch or cash machine and more

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in  specific countries .

Help with your Gold account

How has the coronavirus (covid-19) pandemic affected the gold travel insurance.

Working with our Travel Insurer provider Allianz we have made improvements to your travel insurance cover for claims arising from epidemic or pandemic diseases.

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our  frequently asked questions .

Who can I contact about a claim on the Gold travel insurance?

Policy Number: TRVNGOLD

Key information about your Gold travel insurance (PDF, 59 KB)

020 8763 3040 Call +44 (0) 20 8763 3040 from abroad

How do I get Concierge assistance?

Email Ten concierge: [email protected]

Call our Membership Services:  +44 (0) 2392 676060

Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

If you’re calling outside of these hours, please call 0207 479 3447 .

How do I make a claim on the Private Motor Excess Insurance or Car Rental Loss Damage Waiver Insurance?

Membership Services:  02392 676060 Monday to Friday 9:00am – 5:00pm

Membership Services:   02392 676060 Monday to Friday 9:00am – 5:00pm

Ready to apply?

Before you apply, we've outlined the eligibility for the account below, along with our terms and conditions so you can make sure it's the right account for you.

You can apply for a Gold account if you are:

• permanently resident in Jersey, Guernsey, Gibraltar or the Isle of Man, and;
• applicants from Gibraltar must also be an existing customer.

Please review our important information about the account

• Fee information document for Gold (PDF, 161 KB)
• Current account interest rates (PDF, 54 KB)

Insurance product information for our Gold account

• Insurance product information (PDF, 211 KB)
• What you need to know about the insurance cover (PDF, 56 KB)
• Key information about Gold travel insurance (PDF, 58 KB)
• Private excess motor insurance & car rental loss damage waiver guide (PDF, 188 KB)
• Travel insurance guide (PDF, 304 KB)

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary  before you continue with your application.

Let's get started...

To speed up your application, we need to run through some quick questions with you. They'll only take a few minutes.

Start your application now

Just a heads up - we'll ask you to log in to your Online Banking at the next step.

Get your online application started by clicking 'Start your application' below.  The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

• Complete our Customer Acceptance form, and;
• Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Great, you're ready to apply

The first step in your application will be completed online. If approved, we’ll send you an application pack in the post within 18-21 working days.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

• address & identity

Once we have everything, we’ll open your account and send your new account details to you.

Your application will be completed online. Make sure the full name you put on this form exactly matches the one on the photo ID you’ll use to apply. Once approved, we’ll send you an application pack in the post within 18-21 working days.

• address & identity. 

Applying for an account with us

We’re sorry – at this time we’re currently not opening accounts for new customers located in Gibraltar. 

This account is currently only available to applicants located in Jersey, Guernsey, Isle of Man or Gibraltar. 

Our International Personal Banking service is available to customers that meet our minimum age, residency, balance and/or deposit requirements.

Find out more about International Personal Banking

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I have a natwest gold account included is an annual gold travel insurance policy is it any good and would I need additional insurance for my family?

I have my insurance with my bank of Scotland account and it's excellent we have claimed a few times with no prblems..it cover me and my husband ..if we had children under 21 in full time education it would cover them too

Check your paper work or look online to see if it is a family cover

we have RBS royalties gold cover and its excellent owned by UK insurance LTD.. im sure Natwest is the same?

went into hospital in florida with no problems in May this year. they handled it all, I just had to pay the hospital my excess charge in dollars.

I think you need to look at the policy and see what it covers.

Having previously traveled on a banks insurance, make sure you check as pre-existing medical conditions are unlikely to be covered. If you do have or ever had medical problems you would be better checking with the medical screening department. Best of luck.

As with most insurance if there is an existing condition then you have to contact them for a screening call and they will advise if there is any further cost to your premium. RBS and natwest insurance are rated 5 stars by defaqto

This topic has been closed to new posts due to inactivity.

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• Introduction to credit card travel insurance and standalone travel insurance
• What are credit card travel protections?
• What is travel insurance?
• Credit card travel protection vs. standalone travel insurance
• Frequently asked questions

Credit Card Travel Insurance vs Travel Insurance: A Comparative Guide

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• Travel insurance and some credit cards can protect you from financial loss while traveling.
• Travel insurance offers more comprehensive coverage that includes emergency medical expenses.
• Credit card travel protection has more gaps but comes at no additional cost for cardholders.

Anything can happen while traveling. Flight delays, lost luggage, or even unexpected injury or illness can interrupt your vacation. When these things occur, travel insurance or the travel protections included with your premium credit card may be able to help, providing medical coverage, offsetting your financial losses, or even reimbursing you fully.

But do you need both travel insurance and credit card travel protections? Here are details on both and tips for deciding what the best travel protection is for you.

Introduction to credit card travel insurance and stand-alone travel insurance

Many credit cards offer travel protections that can help you in certain unexpected travel situations. But they aren't exactly the same as a separate travel insurance policy.

Here's how the two differ at a high level:

• Travel insurance:  Travel insurance is coverage that you purchase for a single trip or multiple trips in a year. It typically covers the costs associated with trip cancellation, trip delays, medical emergencies, and other unforeseen events that may occur while traveling.
• Credit card travel protections:  These are benefits automatically included with certain consumer credit cards. They often provide coverage for delays, lost baggage, rental car collisions, and other events during travel. Credit cards sometimes advertise these protections as a type of travel insurance, though they're not a separate insurance policy.

Generally speaking, designated travel insurance is more exhaustive than the protections offered by a credit card. Still, it's worth it to compare both options, particularly if you're taking an expensive trip. 

"It is always wise to check your credit card protection against a travel insurance plan," says Carol Mueller, a vice president at Berkshire Hathaway Travel Protection . "Credit card protection may not include the full, bundled, comprehensive coverage a travel insurance plan would."

What is credit card travel insurance ?

Many premium credit cards offer travel protections to cardholders, but the exact coverages depend on the credit card. Typically, only trips booked with that card qualify for coverage.

"Credit card travel insurance has one big advantage that interests travelers: it's usually free or included in the card's annual fee," says Daniel Durazo, director of external communications at Allianz Travel Insurance , a travel insurance provider. "Credit cards' travel benefits can be useful for smaller things, like travel delays or lost bags, but only travel insurance provides reliable protection in real emergencies, like expensive medical emergencies such as hospital visits and evacuations."

In some cases, however, a credit card may cover catastrophic accidents. The Chase Sapphire Reserve, for example, offers up to $1,000,000 worth of coverage for an accident that causes loss of life, speech, hearing, or use of a hand, among other life-altering injuries.

Additionally, credit card coverage limits tend to be much lower. The Chase Sapphire Reserve® offers up to $20,000 per trip in cancellation coverage, while a basic travel insurance plan from Travel Guard offers five times as much coverage.

Pros and cons of credit card travel protection

What is stand-alone travel insurance .

Travel insurance protects you from financial losses related to travel. "There are three main areas of coverage: protecting yourself, protecting your personal items, and protecting your investment," says Christina Tunnah, general manager of Americas and global marketing at World Nomads Travel Insurance , a travel insurance and safety services provider.

Travel insurance works  much like any other insurance policy. When a covered event occurs, like your trip is canceled or you're hurt while traveling, you file a claim with your insurer. If accepted, the company reimburses you for the costs up to your coverage limits.

"Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of Lugos Travel , a travel advisory. "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

Travel insurance customers typically have 90 days to file their claim. But once the event occurs, there's no waiting period, meaning travelers should file as soon as possible.

A major factor when filing a successful claim is proof of financial loss. You can use something as simple as a medical clinic receipt or a doctor's medical statement. Once the claim has been reviewed and approved, your insurer will reimburse you via check. Some modern travel insurance companies offer immediate payment via a debit card mailed to travelers before their trip.

Travel insurance providers go beyond your standard credit card or airline coverage. You can buy policies that cover sports equipment, medical, and other coverages. You can also buy Cancel for Any Reason insurance , which covers trip cancellations regardless of the reason. The best CFAR insurance can cover 100% of your costs, but many only cover a percentage. 

Buyers can also price out annual travel insurance plans , which cover all of your trips within a 12-month period. Meghan Walch, director of the InsureMyTrip website, estimates a 4% and 10% travel insurance cost based on your total prepaid, nonrefundable trip costs. If you're buying an annual policy, this figure will change.

Pros and cons of stand-alone travel insurance

Credit card travel protection vs. stand-alone travel insurance.

Deciding between stand-alone travel insurance and credit card travel protection can be difficult. That said, it's worth mentioning that these choices aren't mutually exclusive. Even if you have a credit card that provides travel protection, you can still opt for additional coverage with a stand-alone travel insurance policy.

Cost considerations

The obvious difference between credit card insurance and a stand-alone policy is the cost. While credit card insurance is usually included in the cost of the card, traditional travel insurance is an additional expense, usually between 5% to 6% of the trip's worth, though rates can range from 4% to 12%.

However, travel insurance may pay for itself, covering emergency medical expenses and evacuation."Most people have no idea that their health insurance does not cover them abroad," says Shane Mahoney, founder of travel advisory company  Lugos Travel . "So, a broken arm from a slip and fall or a heart attack can be financially devastating."

On the other hand, credit card travel protections don't come at any additional costs. However, many of the best travel credit cards come with annual fees. Additionally, a credit card's travel protection only applies to trips you book with that credit card. If you don't pay off the credit card immediately, you'll pay interest on your trip. 

If you don't already have a credit card with travel insurance included, you'll also have to determine if the coverage is worth applying for a new credit card.

Comparing coverage and benefits

In most instances, traditional travel insurance policies will have more comprehensive coverage than credit card travel insurance. They'll cover more reasons for trip cancellation, and some may cover cancellations for no reason. They'll also cover medical emergencies, while credit card travel protections don't.

"Some travel insurance policies also provide epidemic coverage endorsements, which provide coverage to customers who become ill with COVID-19 or a future epidemic, are individually ordered to quarantine, or are denied boarding due to a suspected illness," says Durazo.

Separate travel insurance policies also tend to offer more robust cancellation coverage. Credit card protections often cap reimbursement at just $10,000 a trip, while travel insurance usually goes up to $100,000. Most credit cards will only cover trips purchased with the card or reward points.

Situations best suited for each

Both travel insurance and credit card protections can prove helpful if your trip is canceled or you experience some other loss while traveling, but the right choice will depend on the specifics of your exact trip and budget. "Every trip is different, and every traveler has different needs and concerns," Walch says. 

For example, travelers with more health concerns may opt for stand-alone travel insurance. Longer, more expensive, and international trips may also warrant greater coverage that credit card travel insurance can't provide. Additionally, it may be a good idea to insure trips to high-risk areas, either politically unstable regions or areas with inclement weather.

On the other hand, Walch says, "For a short trip to a family member's house in the US, the travel insurance offered through the credit card may suffice."

Credit card travel insurance comparison frequently asked questions

Credit card travel insurance may offer basic coverage for international trips, but it often lacks comprehensive medical coverage.

Yes, you can use both for the same trip. Stand-alone policies can supplement areas where credit card insurance is limited, such as medical coverage.

Most credit card travel insurance does not cover pre-existing medical conditions. Many stand-alone policies don't cover pre-existing conditions , but you may find some coverage with certain stipulations.

Credit card travel insurance is usually automatically activated when you pay for a trip using that card. However, it's important to read the card's policy for specific activation requirements.

While credit card travel insurance can be more cost-effective since it's a benefit of the card, it may not provide as comprehensive coverage as a stand-alone policy. In the long run, you may end up losing money if you solely rely on credit card travel insurance.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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natwest travel insurance any good? - Orlando Forum

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I have a natwest gold account included is an annual gold travel insurance policy is it any good and would I need additional insurance for my family?

I have my insurance with my bank of Scotland account and it's excellent we have claimed a few times with no prblems..it cover me and my husband ..if we had children under 21 in full time education it would cover them too

Check your paper work or look online to see if it is a family cover

we have RBS royalties gold cover and its excellent owned by UK insurance LTD.. im sure Natwest is the same?

went into hospital in florida with no problems in May this year. they handled it all, I just had to pay the hospital my excess charge in dollars.

I think you need to look at the policy and see what it covers.

Having previously traveled on a banks insurance, make sure you check as pre-existing medical conditions are unlikely to be covered. If you do have or ever had medical problems you would be better checking with the medical screening department. Best of luck.

As with most insurance if there is an existing condition then you have to contact them for a screening call and they will advise if there is any further cost to your premium. RBS and natwest insurance are rated 5 stars by defaqto

This topic has been closed to new posts due to inactivity.

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• Jump to Accessibility
• Jump to Content

Explore your Reward Platinum benefits

You get a range of benefits from car breakdown to travel insurance and much more

On this page

Access your Reward Platinum benefits through Membership Services

What is membership services.

Membership Services is our online portal where you can read about each of your benefits, use your benefits and view your benefit usage history.

• Make a travel insurance claim.
• Answer medical screening questions.
• Register your mobile phone.
• Make a mobile phone claim.
• Get discounted cinema tickets.
• Find local tastecard restaurants.

We’ve gathered all the information for your Reward Platinum benefits in one place.

Important documents.

We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these. 

• Platinum Travel Insurance Policy (PDF, 465 KB)
• Platinum Benefit Terms (PDF, 297 KB)
• Platinum Fee Information Document (PDF, 1 MB)
• Your Current Account Terms (PDF, 1 MB)
• MyRewards Terms (PDF, 90 KB)

Features and benefits

• Travel benefits
• Protection benefits
• Lifestyle benefits

Travel benefits OpenClose

Travel insurance, worldwide travel insurance .

• Worldwide travel insurance that covers you and your family for 31 days per trip (including winter sports).
• Cover for you, your partner and dependent children under 18 (or under 23 if in full time education) at the start of the journey. Children must be living at the home address (or with the other parent), and be neither married nor in a civil partnership.
• Emergency medical expenses, cancellations, baggage and more.

Policy underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

Things to remember

• Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting.
• If you or your joint account holder are aged 70 or over, you will need to contact us to pay for a £75 annual age extension upgrade for each person insured aged 70 or over for cover to apply.

Before you book or commence any travel

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions  please sign in and complete the online form .

If wish to discuss how your insurance works, you can call us:

UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday and Bank Holidays, 10am-5pm.

Pre-existing medical conditions

Pre-existing medical conditions won't be covered. You may have to pay extra for this cover or you may find that your condition cannot be covered. 

If Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777 | Monday to Friday, 8am-6pm | Saturday, Sunday and Bank Holidays, closed.

How to make a claim

To make a travel insurance claim  please sign in and complete the form online .

If you are injured or ill while you are away, call our Emergency Assistance Service:

UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | Overseas: +44 (0)20 8666 9275 | 24hrs a day, 365 days a year.

Full details on travel insurance

Fee-free debit card purchases abroad

• Use your debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.
• No non-sterling transaction fee when you make a payment using your Reward Platinum debit card outside the UK, or on any payment in a foreign currency.
• Not valid for ATM withdrawals. Other local fees may apply.
• We explain the charges for this at  natwest.com/travel  along with tips for when you’re travelling abroad.

Full details on fee-free debit card purchases abroad

Protection benefits OpenClose

Mobile phone insurance.

• You're automatically covered but we recommend you  register your mobile phone  to make the claims process quicker.
• Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (once your manufacturer's warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return.
• 2 approved claims during any 12-month period. If this is a joint account, each account holder can make 2 approved claims.
• Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250.

Policy underwritten by Aviva Insurance Limited.  

Things to remember  

• There’s a £100 excess for each approved claim when your phone is replaced.
• There’s a £50 excess for each approved claim when your phone is repaired.
• Phones with a screen size of 7 inches or greater aren’t covered.
• Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis. There’s no cover for phones owned by your employer.  

Make a claim

• Claims are settled by replacing or, in certain circumstances, repairing your phone. We'll arrange a repair or replacement asap, so long as you're in the UK.
• Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.
• Replacement phones are refurbished handsets in 'as new' condition using genuine manufacturer parts.
• Repairs use genuine manufacturer or manufacturer quality parts.
• If your phone has been lost or stolen, you must report it to your network provider as soon as reasonably practical after the event.
• If your phone has been stolen, you must report it to the police and request a crime reference number.
• We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Log a claim

Alternatively you can call us on:

UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | Monday to Friday, 8am-8pm | Saturday, 9am-6pm | Sunday, 10am-5pm | Bank Holidays will be opened during the same hours​ noted, excluding Christmas Day and New Year’s Day.

Full details on mobile phone insurance

UK car breakdown cover

The AA provide our UK breakdown cover. If your car breaks down, you’re sorted.

• All your vehicles are covered - your policy covers any privately registered vehicle you travel in, anywhere in the UK. It also covers your vehicle if it is being driven by someone else with your permission.
• Roadside Assistance - anywhere in the UK.
• At Home - get help when your vehicle won't start at home.
• National Recovery - if the AA can't get your vehicle going, they'll take you and your vehicle to a destination of your choice.
• Onward Travel - if your vehicle can't be fixed at the roadside, the AA can help you complete your journey. This may be by arranging a replacement vehicle, booking you a night's accommodation or funding alternative transport costs (i.e. rail fares) where appropriate.
• Accident Assist - a 24/7 accident claims service. The AA will handle your insurance claim - at no additional cost - no matter which company insures you.

Policy is provided by Automobile Association Developments Limited (trading as AA Breakdown Services)

Things to remember:

• Doesn't cover any repair costs once the insured vehicle has been transported to a garage or repairer.
• Repeat call-outs for the same fault within 28 days won't be covered.
• All vehicles must meet legal requirements - insured, taxed and with a valid MOT.
• All vehicles must be within 3.5 tonnes and no wider than 2.55m.

Full details on car breakdown cover

Broken down and need assistance?

If you’ve broken down and need help, you can register and track this on  the AA app  or call us on:

UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | 24/7, 365 days a year.

Lifestyle benefits OpenClose

Cinema discount.

• Buy online through membership services and get great savings off the price of cinema tickets.
• Valid at over 250 UK cinemas including Vue, ODEON and Showcase.
• Great prices on cinema eCodes to redeem at one of many cinemas throughout the UK - any day, any time, any film.
• Prices depend on cinema chains and locations across the UK.
• You can buy up to 6 eCodes per booking, and book as many times as you want all year round.  

Using your eCodes is easy  

1.  Sign in  and select Cinema discount benefit.

2. Choose your cinema chain.

3. Purchase your eCodes.

4. Choose the film, date, time and seat you want when you use your eCodes either on the cinema’s website or at the Box Office.

Sign in to Membership Services

Full details on cinema discount

• Exclusions on offers and available days may apply, check with participating restaurants.
• Where restaurants offer 50% off food or 25% off food and drinks they may limit the number of people; where restaurants offer 2 for 1 this does not include side dishes or extras.
• Remember to take your card or digital membership with you.
• Bookings must be made by the account holder and some restaurants may ask that you book in advance when using your tastecard.
• Digital memberships will be sent out to you via email or letter, close to the time your current membership expires. 
• You can request a plastic card or order a replacement tastecard for £15 (at your cost) by signing in to your  Membership Services .

Use your tastecard

Full details on tastecard

Rewards OpenClose

Earn rewards, how to earn rewards.

• Get £4 a month back in Rewards for 2 or more Direct Debits (2 of those Direct Debits needs to be at least £2 each).
• Get £1 a month back in Rewards with 1 mobile app log in.
• Earn at least 1% in Rewards by shopping at our partner retailers.

Redeem and exchange Rewards

How to exchange and redeem rewards.

• Redeem Rewards as cash which you can then transfer straight into your bank account or pay towards your NatWest credit card balance.
• Exchange your Rewards into money which is donated to one of our chosen charities.
• Trade up for eGift cards which you can use online or in store with our partner retailers.

How do I access MyRewards?

How to access myrewards.

You can see your MyRewards balance and exchange straight from the NatWest app with the touch of a button. There's no need to use a password. Simply tap the MyRewards tile then earn Rewards, exchange Rewards or view statement. 

Have an existing Travel Service booking?

The Travel Service was withdrawn on 1 March 2024. The Travel Service team are still available to support existing bookings, and you can continue to manage your booking, including making a payment, online.

Visit  Membership Services  or call us on 0345 609 0453 (Relay UK 18001 0345 609 0453).

Lines are open 8am-8.30pm Monday to Friday; 8am-6pm Saturday, Sunday and Public Holidays; closed on 25th December. Please be advised calls are recorded for training and quality assurance purposes.

Accessing MyRewards is easy

• On your mobile or tablet, open the camera and point your device at the QR code.
• A link will pop up, tap this, and you’ll be taken straight to MyRewards in your NatWest mobile banking app. 

Not able to scan the QR code? 

You can still get into MyRewards by:

• Using this  MyRewards link  to get into your app.
• Or you log in using  Online Banking  and use the MyReward section to access MyRewards.

App available to customers aged 11+ with compatible iOS and Android devices and a UK or international mobile number in specific countries.

You’ll be taken straight to MyRewards in your NatWest mobile banking app .

Don't have the app? 

Access MyRewards by logging in to  Online Banking  and click the MyReward section.

You’ll be taken straight to MyRewards in your  NatWest mobile banking app .

Change your bank account

Want to change your account?

It's quick and easy to change your current account, you'll keep your existing sort code and account number.

Specific account eligibility criteria and monthly fee may apply.

Frequently asked questions

Do i need to let natwest know that i am travelling.

No, you do not need to tell us that you are travelling in order to be covered by our travel insurance however register your travel details with NatWest at least 24 hours before your trip, and we'll do our best to ensure your holiday spending isn't affected at all.

Simply go to the app, tap on the account that your card is linked to, select 'Manage my card' and then select ‘Going Abroad’ to register your trip.

You can register one trip at a time. It can include up to seven countries and last 90 days. Register each country you are visiting. The marker will apply to all debit cards in your name. Joint account holders should register separately.

Get more information on  spending abroad  and how to minimise fees and charges.

How can I get a copy of my Travel insurance policy?

You can download a copy of your policy using the link below.

If you would like a hard copy of the policy, call us on UK: 0345 609 0453 | Relay UK: 18001 0345 609 0453 | Monday to Friday, 8am-8pm | Saturday, 9am-5pm | Sunday, 10am-5pm.

Platinum Travel Insurance Terms (PDF, 721 KB)

Where can I find full information on my benefits?

You can access full information on your Reward Platinum benefits through Membership Services.

Sign in/Register

Do my Rewards expire?

No, your Rewards won't expire. There is no time limit to exchange or trade up your Reward balance.

If you’ve traded up your Rewards for an eGift card, please check the ‘Your MyRewards Trade Up’ email containing your code for the expiry date.

I traded up my Rewards, but I've not received my eGift card/code?

Please check the following:

• Check we have the correct email address registered for you at MyRewards. This may be different from the one we have on our bank records. Log in to MyRewards then tap My Account > Your Personal Details to check.
• Check your spam folder.
• Some small and workplace email providers may block MyRewards emails. Please check the security settings on your email account, or update your email address to ensure you are able to receive MyRewards emails. 

After following the steps above, please contact us if you need us to resend your eGift card(s).

What do the different account balances mean?

The main change you will see is the balance that was previously called “Available balance” has changed into two separate parts:

• Balance including pending transactions – this is now the prominent balance you will see for your current account (and will be shown in bold).
• Arranged overdraft limit (if you have one).

What do my balances include?  

Balance including pending transactions  - this is the amount of your own money including any pending transactions outstanding. It doesn’t include cheques until they are cleared (for more detail on pending transactions and cheque clearing see below).

Overdraft Limit  - this is your arranged overdraft limit. If you do not have one, this will not show.

Overdraft Remaining  - this shows the remaining amount of your arranged overdraft, this will only be displayed if you are using your limit.

Account Balance  - this is how much money you have in your account before any pending transactions are processed and includes uncleared cheques paid in. This was previously called ‘Today’s balance’.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Something else we can help you with?