Travel insurance

You can get a copy of your travel insurance terms here:

Silver Travel Insurance Terms (PDF 202 KB)

Platinum Travel Insurance Terms (PDF 721 KB)

Black Account Travel Insurance Terms (PDF 800 KB)

You don’t need to register for our insurance, as you’re automatically covered.

However, if you’d like to extend your cover to include pre-existing medical conditions or want to know about travel insurance for over 70s, please call us. We might ask you to pay an additional premium or we may not cover your condition.

Here’s how to get in touch:

Silver: 0345 601 5219 (Relay UK 18001 0345 601 5219)
Overseas: +44 2392 664 912

Platinum: 0345 609 0453 (Relay UK 18001 0345 609 0453)
Overseas: +44 2392 668 650

Black: 0345 601 7188 (Relay UK 18001 0345 601 7188)
Overseas: +44 2392 660 340

You don’t need to let us know when you are going abroad. Your travel insurance automatically applies outside the UK if you have a Silver, Platinum, or Black bank account.

Our fraud monitoring service will secure and monitor your debit card activity the same way as it does within the UK, so you can travel freely without having to notify us.

However, we understand you might still like to register your travel plans and for that reason we have kept the option for you to do so in the mobile app.

Here are the steps to register your travel plans for your debit card:

1. Tap on your account from the main page and go to ‘Manage my card’.
2. Tap ‘Going abroad’ then ‘Add trip’ (iOS devices) or ‘Register card’ (Android devices) and follow the instructions on-screen.

(Geographical exclusions may apply)

Your travel insurance policy number is your sort code followed by your account number.

This is also shown on the Certificate of Insurance that you can download or request by calling us.

Any upgrades you purchase will have their own unique policy ID which is shown in the confirmation email.

Your policy provides cover for the following situations related to COVID-19 as long as the Foreign, Commonwealth & Development Office (FCDO) isn’t advising against “all travel” or “all but essential 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 (as an individual and not broadly as part or all of a population, vessel or geographical area).
• The FCDO advising against “all” or “all but essential” travel due to COVID-19 or another pandemic, if not known at the time of booking.
• You being refused boarding onto your booked public transport due to displaying symptoms of COVID-19 or another epidemic or pandemic.

In general, factors like your health and age may affect the price of a travel insurance quote. It can also depend on whether you go for single-trip or annual travel insurance.

At NatWest, the cost of our Silver, Platinum and Black bank accounts includes travel insurance. But you may need to pay extra if you’re over 70 or have a pre-existing medical condition.

You can see what our packaged bank accounts cover around this page.

Different levels of travel insurance are included with NatWest packaged bank accounts.

However, the best travel insurance policy for you could depend on your circumstances and holiday plans. It’s easy to compare travel insurance policies and prices online.

The cost of travel insurance may be worth paying if you’d struggle to cover things like emergency medical fees, rearranged flights, or replacement luggage yourself. Some countries don’t offer free public healthcare, for example. So, the right insurance could give you peace of mind while you’re there.