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Packaged bank accounts

Travel insurance

To apply for a packaged account you must be an existing current account customer. 

What's travel insurance?

Travel insurance is financial protection against unforeseen circumstances while you’re travelling or on holiday. Depending on your level of cover it could protect you, your trip, and your property such as medical care, cancelled flights or lost luggage.

We offer travel insurance with our packaged bank accounts

These are only available to existing NatWest current account customers.

Why is travel insurance important?

If you have travel insurance, depending on your policy, it could cover the costs of unforeseen incidents such as health emergencies, cancelled flights or missing luggage.

Do I legally need travel insurance?

No, you are not legally required to have travel insurance however it is a good idea. Some tour operators may insist that you have travel insurance before they confirm your booking, especially to countries like the USA where there’s no public health service.

Which accounts come with travel insurance?

Our Silver bank accounts come with European travel insurance. Our Platinum and Black bank accounts some with Worldwide travel insurance.

Not sure a packaged account is for you?

 View our full range of accounts, including accounts with no monthly fee.

What does travel insurance cover me for?

We have a range of cover across our packaged bank accounts. Please see the policy terms for full details and exclusions. 

Cover for your trip

  • Cancelling your trip (before you are due to start your trip)
  • Delayed or missed departure (on the day you are travelling) 
  • Cutting your trip short (after your trip has started)

Cover for you

  • Emergency medical costs (such as illness, injury, or quarantine)
  • Personal accident (such as an accidental injury)
  • Personal liability (if you become legally liable for an accident)
  • Legal costs

Cover for your property

  • Baggage (lost, stolen or accidentally damaged)
  • Delayed baggage (essential replacement of toiletries, medication, or clothing)
  • Personal money (lost or stolen)
  • Lost Passport or Driving Licence (reasonable travel, accommodation, and administration costs)
  • Winter sports cover

Over 70 or have pre-existing medical conditions?

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 £75 annual premium per person.

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

Types of cover included with our bank accounts

Our packaged bank accounts offer a range of cover. You can choose the account that suits your plans.

European

Our Silver accounts cover trips in the UK and Europe, including winter sports. 

Worldwide

Our Platinum and Black accounts cover trips in the UK and worldwide, including winter sports.

Annual

We cover unlimited holidays for a maximum of 22 days (Silver), 31 days (Platinum) or 90 days (Black).

Family

Our Platinum and Black accounts cover you and your partner, plus any dependent children.

European travel insurance

Reward Silver and Select Silver account

You’re covered for 22 days per trip for UK and European travel, including winter sports.
  • Includes emergency medical expenses, cancellations, baggage and more.
  • Only you and any joint account holder will be covered.
  • Covid-19 cover.

Are you an existing customer? View your Reward Silver or Select Silver benefits.

To apply for a Reward Silver you must be an existing NatWest current account customer. £10 monthly fee. Select Silver can't be applied for.

Worldwide travel insurance

Reward Platinum and Select Platinum account

Family travel insurance for trips in the UK and worldwide up to 31 days, including winter sports.
  • Includes emergency medical expenses, cancellations, baggage and more.
  • 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 or in a Civil Partnership.
  • Covid-19 cover.

Are you an existing customer? Manage your Reward Platinum or Select Platinum benefits.

To apply for a Reward Platinum you must be an existing NatWest current account customer. £20 monthly fee. Select Platinum can't be applied for.

Reward Black and Black account

Family travel insurance for trips in the UK and worldwide up to 90 days, including 31 days for winter sports.
  • Includes £10 million medical expenses cover, cancellations, baggage and more.
  • 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 or in a Civil Partnership.
  • Covid-19 cover.

Are you an existing Premier customer? Manage your benefits.

To apply for a Reward Black you must be an existing NatWest current account customer and meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your NatWest account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. £31 monthly fee. Black can't be applied for.

Travel Insurance Terms

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.

What cover does our travel insurance provide for Covid-19?

You’ll be covered for the following situations related to Covid-19 as long as the FCDO aren’t advising against "all" travel to your destination.

Cutting short a trip due to:

  •  A change in FCDO advice, as long as you weren’t aware of this advice when you travelled. 
  • Being unable to stay in pre-booked accommodation due to Covid-19 or another pandemic, as long as you weren’t aware of this when you travelled.

Cancelling a trip due to:

  • You or any insured person, close relative or travelling companion being diagnosed with Covid-19 or another pandemic disease.
  • Quarantine (including if it's because you are contacted by Test and Trace).
  • The FCDO advising against 'all' or 'all but essential' travel due to Covid-19 or another pandemic.
  • You're unable to access your pre-booked accommodation due to Covid-19 or another pandemic.

Make a claim online

To make a travel insurance claim online you just need to log in to Membership Services and complete the online form. Membership Services is where you can manage all of your account benefits, if you've not logged in before you'll need to sign up. 

Common questions about our travel insurance

Other ways we can help you on your travels

Spending abroad

A guide to using your card abroad and important fee information.

Travel credit cards

Learn more about credit cards you can use overseas and how they work.

Coronavirus travel advice

We've pulled together a range of commonly asked questions.