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Packaged bank accounts

Travel insurance

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

Our European and Worldwide travel insurance is underwritten by U K Insurance Limited.

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.

Which accounts come with travel insurance?

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

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.

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.

Not sure a packaged account is for you?

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

Who is covered by my travel insurance?

For both Platinum and Black account customers, family cover is included. This provides 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.

For Silver account customers, only you and any joint account holder is covered.

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.

To find out if you can extend your travel insurance to include cover for someone over 70, or with a new or existing medical condition, please sign in to Membership Services and complete the online form.

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.

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.

Family

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

Worldwide

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

European

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

Multi-trip

We cover unlimited holidays for a maximum of 22 days (Silver), 31 days (Platinum) or 90 days (Black).
Yes
Yes
Yes
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No
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No
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22 days

31 days

90 days

22 days

31 days

31 days

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? To see the full list of your account benefits:

Manage your Reward Platinum

Manage your Select Platinum

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.

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? See the full list of your account benefits:

Manage your Reward Silver

Manage your Select Silver

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.

Make a claim online

To make a travel insurance claim online 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.

Something else we can help you with?