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Natwest Travel Insurance Review and Quotes

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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.

Sea France Holidays

NatWest Platinum Travel Insurance Policy: Protect Your Trip with Comprehensive Coverage

Have you ever had the misfortune of having your travel plans disrupted due to unforeseen circumstances? Maybe you lost your luggage, missed your flight or got sick while abroad. Travel mishaps can be a real bummer, but with the right travel insurance policy, you can have peace of mind when you’re on the go. One such policy, the Natwest Platinum Travel Insurance Policy, is designed to offer comprehensive coverage for all kinds of travel-related incidents. In this blog post, we’ll take a closer look at what the Natwest Platinum Travel Insurance Policy entails, what you can expect from its coverage, and the importance of reviewing the policy document before you purchase it. Read on to find out more!

Table of Contents

1. NatWest Travel Insurance Overview

NatWest offers travel insurance as part of its packaged bank accounts, which are only available to existing NatWest current account customers. Depending on the level of cover, their European and Worldwide travel insurance can protect you and your property against unforeseen circumstances while you’re travelling or on holiday, such as medical care, cancelled flights, or lost luggage. Customers over 70 or with pre-existing medical conditions may have to pay extra for extended cover, but it’s worth checking with NatWest, as their insurers may be able to offer help.

The Silver, Platinum, and Black bank accounts offer European, Worldwide, and Worldwide Plus travel insurance, respectively. The family cover for Platinum and Black account customers provides cover for the account holder, their partner, and dependent children under 18, while Silver account customers are only covered along with their joint account holder. NatWest’s travel insurance also covers trip cancellations, delayed or missed departure, cutting your trip short, personal accident, personal liability, and lost or delayed baggage.

It’s a good idea to have travel insurance because some tour operators may require it before confirming your booking, especially in countries like the USA where there’s no public health service. The cover provided by NatWest’s travel insurance is subject to policy terms and conditions, so customers should review, print, and/or save a copy of them. In addition, customers should check the latest advice from the Foreign Commonwealth and Development Office (FCDO) and the Government about travel and Coronavirus (Covid-19), as coverage related to pandemics may vary. If a customer needs to cancel their trip for one of the cancellation reasons covered by the policy, they can submit a claim. However, the policy won’t cover expenses that can be recovered from elsewhere, so customers should first consider seeking a refund from their travel provider or their card issuer under Section 75 or chargeback rules. [*] [**]

2. Benefits of Packaged Bank Accounts

Packaged bank accounts can be a great option for travelers looking for financial protection while they’re away. With a NatWest account, customers can access European or worldwide travel insurance, depending on their account level. This insurance can cover a range of unforeseen circumstances, such as medical emergencies, canceled flights, or lost luggage. Additionally, those with pre-existing medical conditions can have them added to their policy for extra peace of mind. It’s not a legal requirement to have travel insurance, but some tour operators may insist on it, particularly when traveling to countries without a public health service, such as the USA.

NatWest offers Silver, Platinum, and Black accounts with varying levels of travel insurance cover. Only existing current account customers are eligible for these packaged accounts. While Silver accounts come with European travel insurance, Platinum and Black customers can access worldwide insurance. Family cover is included for Platinum and Black customers, providing protection for partners and dependent children under 18, or under 23 if in full-time education. Silver account customers are only covered themselves and any joint account holder.

For those over 70 or with pre-existing medical conditions, NatWest offers extra help and support. Customers can contact the bank to find out if they can extend their travel insurance to cover someone who’s over 70 or has a pre-existing condition. However, it’s important to note that pre-existing medical conditions may not be covered by the insurance and may require an additional premium or specialist policy. NatWest’s travel insurance offers peace of mind for travelers, ensuring they’re protected against a range of potential problems that could arise while on a trip.

3. Types of Travel Insurance Coverage

Travel insurance is an important aspect to consider when planning a trip, as it offers financial protection against unforeseen incidents while travelling. NatWest offers travel insurance through their packaged bank accounts, which are available to existing NatWest current account customers. Depending on the level of cover selected, the insurance can protect against medical care, cancelled flights, and lost luggage, among other things. The Silver account comes with European travel insurance, while the Platinum and Black accounts come with worldwide coverage. Family cover is included for Platinum and Black account holders, providing protection for the customer, their partner, and dependent children under 18. The policy also covers winter sports and other holiday-related expenses.

Although travel insurance is not a legal requirement, some tour operators may require it before confirming a booking, especially when travelling to countries where there is no public health service, such as the USA. Silver account holders and their joint account holders are the only ones covered under their respective policies. For those aged 70 or over, an annual premium of £75 per person is required to renew the policy, and pre-existing medical conditions may not be covered. However, customers can extend their insurance to cover someone over 70 or with a pre-existing medical condition by completing an online form or contacting NatWest directly.

Overall, NatWest’s travel insurance policies offer a range of cover across their packaged bank accounts, providing peace of mind for customers while travelling. The policies may be particularly beneficial for frequent travellers, as they provide coverage for a variety of incidents, including emergency medical costs, cancellations, personal accidents, personal liability, and lost or delayed baggage. While the Silver account offers European travel insurance, the Platinum and Black accounts offer worldwide coverage and family cover for the customer, their partner, and dependent children under 18.

4. Travel Insurance Requirements

Travel insurance is a crucial requirement for any traveler. Luckily, most banks and insurance companies offer travel insurance policies to make the process simpler. One such policy is the NatWest International Gold Account. For a monthly fee of £18, customers can access a range of benefits, including travel insurance with comprehensive worldwide cover, including winter sports. This policy covers you and your partner plus any dependent children under 18, and even those up to 23 if they are in full-time education. Emergency medical assistance is available 24/7, providing peace of mind during your travels. However, it’s important to note that this policy is only available to residents of Jersey, Guernsey, Gibraltar, or the Isle of Man, and Gibraltar residents must be existing NatWest customers.

In comparison, FlexPlus Worldwide Family Travel Insurance, offered by Nationwide, covers you and your family, including business, wedding, golf, and winter sports cover. This policy grants you access to an online portal, allowing you to manage your insurance on the go. An extension upgrade is required for trips longer than 31 days, and the policy is only for UK residents who live in the UK for at least six months of any 12-month period. The ages of the insured people also matter, and those over 70 must pay for an age upgrade to cover them. This policy covers medical conditions declared and accepted by the insurer and is only valid if your trip starts and ends in the UK. As with any insurance policy, it’s vital to read the policy documents carefully to avoid any surprises.

As with any policy, each policy has its pros and cons. For instance, the NatWest International Gold account offers preferential rates for a fee-free overdraft, VIP treatment from a concierge service, and private motor excess insurance. Their gold standard features make clients feel like a VIP. Whereas, the FlexPlus Worldwide Family Travel Insurance policy may work better for those with children and those looking for a more comprehensive policy. They even cover travel documents costs and offer coverage for wedding essentials. This policy also grants you access to an online portal, making managing your insurance more convenient.

In conclusion, both the NatWest International Gold Account and FlexPlus Worldwide Family Travel Insurance offer robust policies with their own unique benefits. Before selecting either policy, it’s essential to assess your travel requirements carefully. Factors like the length of your travels, the age of the insured party, and your destination can impact the type of coverage you need. However, both policies come with extensive coverage that will cater to most domestic and international travelers.

5. coverage for Individuals Over 70

NatWest offers travel insurance as part of their packaged bank accounts, which is available for existing customers. The European travel insurance is included in their Silver bank accounts, while their Platinum and Black bank accounts offer Worldwide travel insurance. The insurance covers unforeseen circumstances such as medical care, cancelled flights, or lost luggage. It is not a legal requirement to have travel insurance, but it is highly recommended, especially when travelling to countries without a public health service.

For those over 70 years of age or with pre-existing medical conditions, there may be extra charges or restrictions on coverage. NatWest requires notification of any individual aged 70 or over and each year the individual must contact NatWest to get a cover extension at an annual premium of £75 per person. No coverage for pre-existing medical conditions is provided. If a customer cannot get an upgrade to extend their coverage level or their premium upgrade is unexpectedly high due to medical conditions, NatWest’s insurers, UK Insurance Limited, suggest seeking help from the Financial Conduct Authority and MoneyHelper directory.

On the other hand, InsureandGo is an alternative provider for travel insurance that aims to keep things simple and offer comprehensive coverage even for those over 70 years old or with pre-existing medical conditions. Children can also be covered for free under a policy. Their policies come with standard coverage of over 50 activities and sports. InsureandGo is licensed and regulated by the Financial Conduct Authority and has been specialising in travel insurance for over ten years.

Travel insurance is a wise investment for any trip, and NatWest and InsureandGo offer competitive options with different coverage for various types of travel.

6. Pre-Existing Medical Conditions Coverage

Travel insurance is crucial when going abroad, especially if you have pre-existing medical conditions. NatWest offers travel insurance, but for those over 70 or with pre-existing medical conditions, an additional charge may apply. It is important to check if your medical condition is covered, as some medical needs may not be included in the policy. Be sure to review the policy document thoroughly to know what the policy covers and what it doesn’t.

If you have pre-existing medical conditions and are unable to get travel insurance for your trip, you may need to reconsider your travel plans. However, there are options available to you, such as working with an insurance broker or looking at specialist travel insurance providers that cater to those with pre-existing medical conditions. Getting several quotes from multiple providers can also help you find coverage that is right for you.

When speaking with brokers and insurance providers, they may ask for detailed information about your medical condition. It is important to be truthful and as specific as possible about your condition and any treatment you may be undergoing. You should also ask about the coverage amount, excess, and any exclusions that may apply to your policy. This way, you will have a clear understanding of what is covered and what is not, providing you with peace of mind when travelling.

It is also worth knowing that having a UK European Health Insurance Card or a UK Global Health Insurance Card can provide you with free or reduced-cost healthcare should you require it while abroad. However, these cards may not cover everything, so it’s important to have travel insurance that covers any additional costs that may arise during your trip. In case of any doubts or queries, you can always reach out to your insurance provider for assistance.

7. Coronavirus (COVID-19) Coverage

Travel insurance is an essential part of any trip and offers financial protection against unforeseen incidents. With NatWest’s packaged bank accounts, customers can benefit from European or worldwide travel insurance, depending on their account. The insurance covers a range of areas, including medical care, cancelled flights, lost luggage, and personal liability. Additionally, family cover is included for Platinum and Black account holders, providing protection for the account holder, their partner, and dependent children under 18 or 23 if in full-time education.

Amid the ongoing COVID-19 pandemic, NatWest has updated its travel insurance policy to cover certain cancellations related to the virus. For trips booked from 5th January 2021 to 1st March 2022 and taken before 2nd March 2022, an endorsement was in place which changed the cover available for trip cancellation due to COVID-19. However, this endorsement was removed on 2nd March 2022. The cover has been extended to include the need to quarantine or self-isolate, FCDO advice against ‘all’ or ‘all but essential’ travel due to COVID-19 or another disease declared a pandemic and the inability to use pre-booked and pre-paid accommodation in an area adversely affected by COVID-19 or a pandemic. It is advisable to check the latest government and FCDO advice before booking a new trip or travelling.

In the event that a trip is cancelled for one of the approved reasons, a claim can be submitted. However, it is essential to consider other options for a refund first. If the travel provider has been unable to provide the booked service, customers should seek a refund. If the payment was made by credit card and the value of the booking is over £100, customers may be protected under Section 75 of the Consumer Credit Act 1974. They should contact their card issuer for further information. Similarly, debit or charge cardholders can contact their card issuer for advice as they may be able to make a claim under their chargeback rules. If unable to obtain a refund from any party, customers can consider making a travel insurance claim.

Customers who require an extension to their travel insurance due to being over 70 or with pre-existing medical conditions can complete the online form or call NatWest to find out if they can be covered. However, it is imperative to note that pre-existing medical conditions won’t be covered, and the upgrade insurance premium may be higher than expected. In such cases, help is still available through a directory created by UKI, NatWest’s insurers, in collaboration with the Financial Conduct Authority and MoneyHelper. Customers can search for alternative options by contacting the directory’s phone number. Overall, NatWest’s travel insurance policy provides reliable coverage for travellers with additional options for COVID-19-related cancellations and extensions for those over 70 or with pre-existing conditions.

8. Cancellation Reasons Covered

NatWest offers travel insurance as part of their packaged bank accounts, which are only available to existing customers. Depending on the level of cover chosen, the policy can provide financial protection against unexpected incidents such as medical emergencies, cancelled flights, or lost luggage. Even though travel insurance is not a legal requirement, some tour operators may insist on it before confirming a booking, particularly in countries without a public health service.

Silver, Platinum, and Black account holders have access to different levels of travel insurance cover depending on their account. The Silver account comes with European travel insurance, and the Platinum and Black accounts come with Worldwide travel insurance. Family cover is provided for Platinum and Black account holders, which includes the account holder, their partner, and dependent children. Silver account holders, on the other hand, are only covered along with their joint account holder.

People aged 70 and over must contact NatWest to get their cover and pay an annual premium per person, as pre-existing medical conditions won’t be covered. In case the insurer can’t offer an upgrade to the needed cover level or if an upgrade premium is higher than expected due to existing medical conditions, help is available through a directory created in partnership with the Financial Conduct Authority and MoneyHelper.

The policy provides coverage related to a pandemic such as Coronavirus (Covid-19) for trips taken from 2nd March 2022, subject to the terms and conditions of the policy. For trips scheduled before that, an endorsement was in place until 2nd March 2022, which changed the cover available for trip cancellation as a result of the Covid-19 pandemic. The policy won’t cover travel to countries where the Foreign Commonwealth and Development Office advises against all travel. If a trip must be canceled for one of the covered reasons, a claim can be submitted, but expenses recoverable from elsewhere must first be considered.

NatWest encourages clients to apply for their travel insurance policy after booking a trip as they’ll only need upgrades or extensions to their policy once they travel. If a claim is necessary, they recommend using their online claims service and keeping records of communications with the provider or another party involved. Customers who have booked through their Travel Service or bought tickets for an event and are concerned about cancellations should check the NatWest FAQs or contact them for more information.

9. Making a Claim

NatWest International offers a comprehensive Gold account that includes travel insurance, among other benefits. One of the significant benefits of the Gold account is the travel insurance that provides comprehensive worldwide coverage for the account holder and their family, including winter sports cover. They also offer emergency medical assistance, 24/7, wherever in the world an account holder may be. The partner of the account holder is also covered, whether married or cohabiting, and dependent children under 18 (or 23, if they are in full-time education). The policy is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance. However, for more information on how coronavirus (COVID-19) affects your Gold account travel insurance, it is essential to check their website before travelling.

In addition to travel insurance, NatWest International’s Gold account also offers VIP treatment with their concierge service to help account holders with their bookings, flights, holidays, and more. This concierge service is provided by Ten, a leading lifestyle management company, and is available 24/7. Members also enjoy exclusive dining, travel, entertainment, and retail benefits negotiated with world-leading brands by their team of specialists. The concierge service also offers unlimited dining, travel, and ticket requests. Moreover, the account holders can save on flights departing from the UK with Ten’s partnered airlines, including various long-haul destination flights with British Airways .

If the account holder owns and insures their private motor vehicle, the Gold account offers peace of mind with private motor excess insurance, as well as car rental loss damage coverage. The insurance works alongside the existing car insurance and covers the cost of the excess if and when a claim is made and the damage to the vehicle is greater than the excess limit. The limit is £3000 under the policy. There is also coverage under the Car Rental Loss Damage Waiver Insurance for up to £50,000 (or equivalent in local currency) incurred as a result of damage, fire, vandalism, theft, or use of the rental vehicle. Account holders can also claim £20 per day (up to a maximum of £200) if the car rental is cancelled or cut short on the advice of a physician. Lastly, the coverage includes £200 to pay for drop-off charges incurred through the car rental station following an accident or illness and £50 for calling out a locksmith if a named beneficiary unintentionally locks their keys in the rental vehicle.

Choosing travel insurance can be a daunting task, but Which? offers a comprehensive review of the best and worst travel insurance policies. They rate cover for travel and reveal the best policies, with details on medical expenses, cancellation, and airline failures. They have assigned each travel insurance policy a policy score reflecting how comprehensive the coverage is, as well as a dedicated Covid cover rating. To compare travel insurance companies, one can check their tables and reviews of the biggest and best insurers. By clicking on the links in the reviews, one can find more information about them. Comparing policies, especially specialised ones for medical conditions or winter sports, is essential before buying. It is also crucial to read and understand the policy wording, general exclusions, and conditions before purchasing any policy. Lastly, checking the holiday provider’s protection is necessary in case anything goes wrong, and the compensation needs to be claimed from them first before the insurer accepts the claim.

10. NatWest Travel Service FAQs

NatWest offers travel insurance as part of their packaged bank accounts. These accounts are only available to existing NatWest current account customers. The Silver account comes with European travel insurance, while the Platinum and Black accounts come with Worldwide travel insurance. Depending on your level of cover, travel insurance could protect you against unforeseen circumstances while you travel such as medical care, cancelled flights, or lost luggage. It is not legally required to have travel insurance, but some tour operators may require it, especially if you’re travelling to a country like the USA . One of the great things about NatWest’s travel insurance policies is that you have the option of cover for over 70s, and pre-existing medical conditions can be added.

If you’re considering NatWest’s travel insurance policies, it’s important to understand what you’ll be covered for. Their policies cover a range of incidents, including cancelling your trip, delayed or missed departure, cutting your trip short, emergency medical costs, personal accident, personal liability, baggage (lost, stolen, or accidentally damaged), delayed baggage, and lost passports or driving licences. Family cover is included for both Platinum and Black account customers, which provides cover for you, your partner, and dependent children under 18. For Silver account customers, only you and any joint account holder are covered.

If you or your joint account holder are aged 70 or over , you’ll need to get in touch with NatWest each year to get your cover. There will be a £75 annual premium per person, and pre-existing medical conditions won’t be covered. However, you may be able to extend your travel insurance to include cover for someone over 70 or with a new or existing medical condition by completing an online form or calling NatWest. If their insurers are unable to help, they have created a directory in collaboration with the Financial Conduct Authority and MoneyHelper that you can search for help.

In comparison, InsureandGo offers cheap travel insurance policies with free coverage for your children on your policy. They cover over 50 activities and sports as standard under all of their travel insurance policies. InsureandGo is a trading style of Insure & Go Insurance Services Limited, registered in England and Wales, authorised and regulated by the Financial Conduct Authority. InsureandGo prides themselves on providing comprehensive cover and having specialised in travel insurance for over 10 years. Their policies are easy to obtain with a quick and simple application process.

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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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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.
• InsureandGo’s Gold achieved a Which? Best Buy.

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The Guide to Single Trip Travel Insurance

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

Table of Contents

How single trip travel insurance works

How to choose between travel insurance companies, best plans for single trip travel insurance, other tips for travel insurance for a single trip, travel cards that come with complimentary travel insurance, single travel insurance for a trip recapped.

There are many types of travel insurance, including plans that’ll reimburse you for emergency medical expenses or unexpected travel delays. Along with coverage types, there are also different durations of travel insurance.

Single trip travel insurance will cover you during one vacation, while multitrip or annual travel insurance can last for multiple outings. Let’s take a look at single trip travel insurance, what kind of coverage you can expect and how to choose a plan that works for you.

Purchasing a travel insurance plan is fairly simple, as is making a claim. It generally goes like this:

You gather a few quotes from travel insurance companies.

You pick a plan that suits your needs and customize it to your liking.

You purchase your plan and include a date for it to start.

You go on your trip.

If something happens (such as a flight delay), keep the proof.

You make a claim with your travel insurance company.

The travel insurance company reimburses you. 

There are a few variations in how this can work (for instance, some travel insurance plans can pay a medical provider directly), but for the most part, this is how the process will go. This is the case whether you have one-trip travel insurance or multitrip travel insurance.

» Learn more: How to find the best travel insurance

There are several travel insurance companies out there, which can make choosing a plan difficult.

NerdWallet analysis found that some travel insurance providers rise above the rest in terms of breadth and depth of coverage, cost, customizability, and overall customer satisfaction. Jump to see our findings on the bets plans for single trip travel insurance.

However, before choosing a company and purchasing a plan, consider these questions:

How much am I willing to pay?

Do I want trip protection, emergency medical coverage or both?

Do I already have coverage somewhere?

How much customizability does my plan need?

Do I need coverage for preexisting conditions?

Will I be doing any sort of adventure activities?

Once you’ve answered these questions, do your due diligence and get quotes from multiple sources. Different providers will offer differing levels of coverage at varying prices, so it’s in your best interest to generate as many quotes as possible and read the fine print.

To make it simple, travel insurance aggregators such as Squaremouth (a NerdWallet partner) will provide you with multiple quotes at a time.

» Learn more: The best travel credit cards right now

We considered a wide variety of factors when it comes to selecting the best insurance for your trip. These factors include cost, customizability, coverage maximums, whether preexisting conditions are included and the type of coverage the policy offers.

World Nomads

World Nomads is great for active travelers because of its standard coverage of adventure activities. With just two plans from which to choose, it’s also simple to decide which one you’d like.

Covers 200-plus activities as standard. 

Simple plan options.

Emergency medical coverage included.

Only two choices for policies.

Riskier activities are covered only by the more expensive Explorer plan. 

Fixed-rate reimbursement for trip protection.

» Learn more: Read our full review of World Nomads

With eight plans on offer, Tin Leg has a policy for every type of traveler. Along with standard trip protections, Tin Leg also offers Cancel For Any Reason (CFAR) add-ons.

Plenty of plans from which to choose. 

Preexisting conditions included in most plans. 

Primary and secondary medical coverage options. 

Cheapest plan doesn’t cover preexisting medical conditions.

Rental car coverage add-on available only on Luxury plan. 

» Learn more: Is Cancel For Any Reason travel insurance worth it?

Seven Corners

Seven Corners is an excellent option for those who really want to customize their plans. Whether you’re looking for medical-only insurance or a more comprehensive policy, Seven Corners has options available.

Preexisting condition coverage available.

Medical-only plans on offer.

Covers missed tours and cruise connections. 

Inexpensive plan offers secondary medical insurance.

Event ticket registration coverage only for expensive plan. 

» Learn more: Is Seven Corners coverage worth the cost?

Our last company on the list is unique in that it covers those who use travel rewards, like purchasing flights or hotels with points and miles . This is fairly uncommon among travel insurance providers and can be really helpful when things go awry during award travel.

Plan options include accidental death and dismemberment (AD&D) travel life insurance. 

Covers up to $300 in frequent traveler reward costs. 

Worldwide travel assistance included on every policy.

Cancel For Any Reason insurance available only on most expensive plan. 

Just $35,000 in emergency medical for basic plan (low compared to similar policies at other companies).

» Learn more: Our full TravelSafe review

If you’re interested in getting travel insurance, do yourself a favor and consider these tips before making any purchases:

Consult your medical insurance provider to see whether it offers coverage out of country .

Consider an annual plan to save money if you make multiple trips per year.

Check your credit card for complimentary travel insurance . Many offer this benefit, and if its limits are satisfactory, you can book your travels with it and avoid buying a separate policy out-of-pocket altogether. More on this in the next section.

If you're looking to get coverage for a one-off trip, among your best options is to simply pay for your travel with a card that includes travel insurance as a benefit.

Most travel cards will include coverage for things like trip interruption , trip delays and lost luggage .

on Chase's website

on American Express' website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 6 hours.

• Trip cancellation: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

• Trip interruption: Up to $10,000 per trip. Maximum benefit of $20,000 per 12-month period.

Terms apply.

If you’re in the market for single trip travel insurance, there are plenty of options available to you. Before purchasing a plan, grab quotes from multiple companies because the types of coverage and costs are going to vary.

Beyond this, be sure to check whether your credit card offers complimentary travel insurance and reach out to your medical insurance provider to see what type of coverage it offers overseas.

American Express insurance disclosures

Insurance Benefit: Trip Delay Insurance

Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply.

Please visit americanexpress.com/benefitsguide for more details.

Underwritten by New Hampshire Insurance Company, an AIG Company.

Insurance Benefit: Trip Cancellation and Interruption Insurance

The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period.

Insurance Benefit: Baggage Insurance Plan

Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one-way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on Baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip.

Underwritten by AMEX Assurance Company.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

1x-10x Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,125 toward travel when you redeem through Chase Travel℠.

1x-5x 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

75,000 Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's over $900 when you redeem through Chase Travel℠.

1x-2x Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

50,000 Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

BLACK ACCOUNT INSURANCE PRODUCT INFORMATION DOCUMENTS - NATWEST

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What is the Gold travel insurance policy excess?

Your Gold account includes family travel insurance which offers comprehensive cover when travelling.

An excess is the amount the Insurer will deduct from a claim. This amount is payable per beneficiary claiming, per claim registered. Where a single incident gives rise to a claim under two or more benefits, only one excess will be payable per beneficiary.

For details of the excess that will be deducted from a claim, please see the `Gold Schedule of benefits` table of our Travel Insurance Guide (PDF) .

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After a last-minute flight cancellation last year, I'm making travel insurance a priority this summer

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.

• When my flight was canceled last year, I had to get a layover and lost my more expensive seat.
• This year, I'm getting travel insurance, which will cover me if my flight is canceled.
• My travel insurance was just $36, and I'll get hundreds back if something goes wrong.

Last year, I got the chance to attend the charity video game marathon Summer Games Done Quick in person for the first time. I had been a longtime viewer of the event through its online streams, and I was excited to finally go there in person.

The event was held in downtown Minneapolis, and I decided to fly there from my home in Virginia. I knew that travel insurance was valuable, but I opted to forgo it. I've never felt comfortable squeezing into most airplane seats, and I was happy to pay a bit extra for several more inches of legroom, but I didn't really want another expense on top of that.

That turned out to be a big mistake.

My flight got canceled at the last minute

Games Done Quick — which hosts two major events each year, one in the winter and one in the summer — is a weeklong event raising money for charity, running from the afternoon on a Sunday to the end of the following Saturday. I planned on flying out on Saturday and returning on Monday, so I'd have a little bit of time to get settled in before the event started and time to recuperate once it was over, and I had direct flights for both legs of the trip.

The first leg of the trip went great. I arrived right on time, and I caught a ride to the hotel where one of several friends I was sharing a room with had already checked in. I had a great week, even if my sleep schedule suffered. And I figured since I'd given myself an extra day after the end of the event to recover, I'd be fully refreshed once I got back home. When Sunday rolled around and the final tally for the event came in — over $2.2 million raised for Doctors Without Borders — I was sad that the week was over but ready to get home.

On Monday morning, while I was packing, I got an email letting me know that my flight had been canceled, and the flight suggested as a replacement wouldn't leave until Tuesday. There was no way that would work. Thankfully, the employee I spoke to over the phone was very helpful, but the only available flight had a long layover in Dallas — and no open seats in the section I had originally planned on sitting in.

I didn't really have much of a choice at that point. I couldn't spring for a last-minute extra night at a hotel. I had to take the layover and sacrifice the leg room.

This year, I'm getting travel insurance

I was thankful to finally get home close to midnight, but I was barely functional the next day, and I was frustrated that there wasn't a better solution. The fee for the section where I had booked my ticket wasn't very expensive at $43, but it was less about the money and more about the fact that I had more or less been locked into a bad deal with no real way out.

That's why, when I bought my plane tickets for this year's event, I opted to get travel insurance. I booked my flight through Delta, and while checking out, the website quoted a price of $36 for Allianz travel insurance . I opted to take that offer.

My coverage includes up to $300 if my trip is delayed, and I can get a full refund if it's canceled. If I have another flight cancellation, instead of having to take whatever replacement is available to me, I'll be able to take some time to figure out my best option. My travel insurance also means the trip is fully covered if it's canceled outright due to illness, and I'm also covered if my luggage is lost or damaged.

Obviously, there's never any guarantee that travel will go perfectly — any number of unforeseen problems could make a trip go poorly, and travel insurance won't cover all of them. But there's nothing quite as frustrating as a last-minute flight mishap, and I'm relieved to know that if anything goes wrong, I'll have a bit more leeway to make sure I'm getting the best solution.

Watch: Thousands of bags pile up at US airports after flight cancellations

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

You can get a copy of your travel insurance terms, which include your policy, here or by calling us:

Silver - Download a copy of your Silver Travel Insurance Terms (PDF 167KB) .

Platinum - Download a copy of your Platinum Travel Insurance Terms (PDF 316KB)

Black - Download a copy of your Black Account Travel Insurance Terms (PDF 296KB)

Select Silver / Reward Silver : 0345 601 5219 (Relay UK 18001 0345 601 5219 ) Overseas: +44 1252 308 792 Select Platinum / Reward Platinum : 0345 609 0453 (Relay UK 18001 0345 609 0453) Overseas: +44 1252 763 658 Black / Reward Black : 0345 6017 188 (Relay UK 18001 0345 6017 188) Overseas: +44 1252 308 794

To find out more or to use your benefits visit the Silver(opens in a new window) , Platinum(opens in a new window) or Black(opens in a new window) account page.

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