Upgrade to a NatWest Reward Silver account

You’re covered for 22 days per trip for UK and European travel (including winter sports). It includes emergency medical expenses, cancellations, baggage and more.

European travel insurance is underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz.

Exclusions may apply for pre-existing medical conditions, or those aged 70 or over.

• If you or your joint account holder are aged 70 or over, you’ll need to get in touch with us each year to get your cover, where there will be a £100 annual premium per person.
• Pre-existing medical conditions may not automatically be covered. You may have to pay extra for this or you may find that your condition cannot be covered. 

Find out more about European travel insurance

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 is no cover for employer-owned phones.

One approved claim can be made in any 12-month period. If this is a joint account, each account holder can make one approved claim, up to a maximum of two claims per account.

Approved claims will usually be settled by repairing your phone where possible. If your phone can't be repaired, or it has been lost or stolen, a replacement phone may be provided. Replacement phones are refurbished devices in 'as new' condition using genuine manufacturer parts.

There is a £50 excess for repair claims, including walk-in, mobile and mail-in repairs.

There is a £100 excess for replacement claims.

Cover applies to phones with an original purchase price of £2,500 or less (including VAT).

Replacement phones include a 12-month warranty. Mail-in repairs include a 12-month repair warranty, while walk-in and mobile repairs include a 24-month repair warranty.

Access a range of health and wellbeing benefits, including:

• 24/7 GP appointments by phone or video
• Mental Health and Wellbeing support - including a 24/7 helpline and up to six appointments each year
• Fitness, nutrition and wellbeing content

GP appointments are unlimited, subject to fair use. Health and wellbeing benefits are available to account holders only. Prescription charges apply. Terms, conditions and exclusions apply. Provided by Teladoc Health UK LTD, a limited company registered in England and Wales (company number 05739281).

You can redeem one 3GB eSIM each year to use mobile data abroad. Once your eSIM has been activated it will be valid for 30 days within the country or region selected. Compatible device required.

Discounted access to more than 1,100 airport lounges worldwide, subject to availability. Plus, discounts on airport dining, spa treatments, and health and wellness services. To avoid disappointment during busy periods, you can pre-book lounge access for £6 per person. You can also bring guests for £25 per person. Joint account holders will each receive their own DragonPass membership and must show their membership card to access lounges and enjoy available discounts. 

No foreign transaction fees on spending abroad. Not valid for ATM withdrawals. Local fees may apply.

• Choose 25% off your bill, 2 for 1 meals, or 50% off food at thousands of restaurants.
• Enjoy 25% off barista-made drinks at participating coffee shops across the UK.
• Get 50% off or 2 for 1 pizza on delivery and collection orders from participating brands.
• Save up to 25% on cinema tickets and snack combos at participating venues across the UK.

You'll receive details of how to register after opening your account. Individual discounts and offers are subject to participating venues and specific terms and conditions.