lloyds bank gold card travel insurance covid cover

Does Credit Card Travel Insurance Cover the Coronavirus? 

Your card's policy may not help if you want to cancel a trip because of coronavirus concerns.

Does Card Insurance Cover Coronavirus? 

Getty Images

Your credit card may have travel insurance, but even that coverage may not come free.

Some of the links on this site contain offers from our partners .

The offers in this article may be expired or currently unavailable.

You've planned a trip overseas but worry that the coronavirus could trigger a cancellation. If you or your tour operator pull out, will your travel credit card' s trip cancellation insurance reimburse your expenses? The answer is likely no.

Even comprehensive travel insurance plans won't cover cancellations based on concerns about a pandemic. This is why you should check your card's policy before you attempt to cancel – or plan – a trip.

What Does Trip Cancellation Insurance Cover?

Some credit cards offer t rip cancellation coverage, which applies when you pay for travel with a card that has this insurance.

Most policies cover the cardholder and immediate family members for up to $10,000 each and $20,000 per trip for cancellations due to severe weather, illness or other covered incidents. The latter even includes terrorist action or court subpoena. You can cancel if you become seriously ill before or during your trip, but not because of coronavirus threats.

If you have a credit card with travel insurance, you could use that instead of purchasing a stand-alone travel insurance policy. But keep in mind that coverage may not be free: Cards with trip cancellation insurance usually have an annual fee ranging from about $100 to $500.

Do Most Travel Insurance Policies Cover Coronavirus?

Your credit card trip cancellation insurance might cover an issue related to the coronavirus, but it depends on the situation.

The coronavirus is a concern for everyone, but especially for travelers crisscrossing the globe. The virus has killed at least 2,918 people and infected more than 81,100 worldwide, mostly in China, reports the World Health Organization .

As the virus continues to spread across the world, the risk of catching it has increased. If you think that you might need to cancel a trip because of the coronavirus, here's how your credit card travel insurance may or may not help.

If you're concerned about traveling: You aren't likely to get reimbursement if you want to cancel a trip because you're worried about catching the coronavirus.

Neither Chase Sapphire Reserve nor Chase Sapphire Preferred Card, for instance, will cover trips canceled due to a "change of plans or financial circumstances," or "your disinclination to travel due to an epidemic or pandemic."

The Platinum Card from American Express offers trip cancellation insurance for seven types of incidents that could derail a trip: injury or death, severe weather, military orders, terrorism, court order, uninhabitable accommodations, or physician-imposed quarantine. Trying to avoid a pandemic doesn't pass muster.

"If you're just saying, 'I'm fearful of going there because of the potential of catching something,' I don't think they're going to cover you in that regard," says Lee Huffman, travel blogger and credit card expert at Bald Thoughts travel blog.

If you're sick before a trip and need to cancel: Your chances of reimbursement are much better if you have an illness or injury before a trip, though that may provide you with little comfort.

Policies will clearly state that this is a covered area, within reason. American Express, for instance, covers the accidental injury or death of the cardholder, his or her traveling companion, or a family member.

Get a doctor's note from an urgent care center or your primary care physician, Huffman says, if you canceled your trip and want to use your credit card travel insurance to get reimbursed. Keep in mind that coverage typically doesn't apply to issues related to preexisting conditions, such as a chronic medical problem.

If you get sick during a trip and need to interrupt it: Your chances of reimbursement are much better if you contract an illness that requires quarantine during a trip. The trip cancellation insurance for The Platinum Card from American Express, Chase Sapphire Preferred Card and Chase Sapphire Reserve counts doctor-ordered quarantine as a covered incident.

How Can You Get Trip Cancellation Reimbursement?

Credit card companies recommend a two-step process for claims. First, notify the company as soon as possible, and then, following its guidelines, submit your claim within two to three months of your canceled trip.

Say you have a Chase Sapphire card. You're asked to contact the benefit administrator within 20 days of a trip cancellation, and sign and file the claim form within 90 days, if possible. You can also file a claim online.

If you're going to provide a physician's recommendation as a reason for canceling a trip, you might have a quicker timetable. American Express asks that you send this information to the company within 48 hours.

Should You Try to Rebook a Trip?

If cancellation with a refund isn't an option through your credit card, you might try to rebook your trip directly with the airline and hotel. They may be willing to do so without penalties, though it's not guaranteed, unless the airline and hotel have policies for coronavirus-related cancellations.

Airlines have already canceled hundreds of thousands of flights – mostly to, from and within China – because of the coronavirus. And more cancellations are likely to come.

Several major airlines and hotel chains have policies in place to waive change and cancellation fees for some bookings. For example, JetBlue has suspended change and cancellation fees for new flight bookings made through March 11.

If you are concerned about the pandemic, Huffman says, pick up the phone. The airline may rebook your flight and waive fees, or a customer service agent may do the same.

"Every airline and hotel has a bit of gray area it can operate under," Huffman says. "If you've been a loyal customer, they're more willing to bend the rules for you."

Another way to get a new flight is to take advantage of an airline's schedule changes, which allow you to rebook without penalty .

"One of the great things about flights is that, especially if you book far in advance, there will be schedule changes that happen on a regular basis," Huffman says.

If a flight is moved – even by a half-hour – you can try to make a case to cancel your reservation or get a new flight because the schedule no longer works for you, Huffman says.

It pays to look into your options, even if you can't find an official coronavirus rebooking policy. With hotels, you can usually cancel anywhere from 24 hours to five days before your trip without a problem, Huffman says. If you are loyal to a hotel brand, you may have an easier time if you need help with a refund – say, you prepaid for your stay.

You might also catch a break if you paid for the canceled trip with reward points. In fact, getting the points could be easier than obtaining a cash refund.

Should You Buy Comprehensive Travel Insurance?

A typical comprehensive travel insurance policy may provide coverage beyond what you would get from your credit card. But it is still unlikely to cover a trip canceled out of concern for visiting a coronavirus outbreak area, says Kasara Barto, public relations manager at Squaremouth, a travel insurance comparison website.

You can purchase some travel insurance policies with "cancel for any reason" coverage. Each policy spells out requirements for canceling your trip and getting reimbursed. If you meet the requirements, you could be reimbursed for your cancellation due to coronavirus concerns.

You'll typically need to buy your coverage within 15 days of making your trip deposit and cancel your trip at least 48 hours before your scheduled departure. With this type of policy, you can cancel and get reimbursed for up to 75% of the cost of your trip, Barto says.

Squaremouth has seen sales of these policies increase by about 77% within the last month or so, she adds.

A typical travel insurance policy costs between 7% and 10% of the price of a trip, Barto says. But one that allows you to cancel for any reason costs about 40% more than that, she continues.

This is the best option if you're looking for peace of mind, Barto adds.

Just be sure to read the fine print. Some insurers are restricting coronavirus-related coverage because the issue is considered a "foreseen" event, Barto says.

That means cancellation and medical benefits might not be available for policies purchased after a cutoff date set by the insurer.

"This whole outbreak is really unprecedented," Barto says, adding that the Ebola and Zika viruses didn't have the widespread effect that the coronavirus has had. "Once the insurance providers believe the impact on travel becomes too high of a risk, that's when they start to exclude coverage for it."

Tags: credit cards , Coronavirus

Comparative assessments and other editorial opinions are those of U.S. News and have not been previously reviewed, approved or endorsed by any other entities, such as banks, credit card issuers or travel companies. The content on this page is accurate as of the posting date; however, some of our partner offers may have expired.

• [ 6 May 2024 ] What’s On: International Insurance Conference Helsinki Conference report
• [ 6 May 2024 ] Why Every Pet Owner Should Have Health Insurance For Their Pet Pet Insurance
• [ 6 May 2024 ] Sentrisk Can Help Identify Supply Chain Risks Global insurance trends
• [ 5 May 2024 ] Insights: Red Light Runners Betray Risky Behaviour Habits Motor Insurance
• [ 4 May 2024 ] UK Gardens Could Be More Flood Resilient, Says Flood Re UK Insurance Trends
• [ 3 May 2024 ] Relm Launches Wage and Hour Coverage in the US Market Global insurance trends
• [ 3 May 2024 ] Get AI Pen Testing on The Bugcrowd Platform Global insurance trends

Partnerships: Lloyds Bank Teams Up With Allianz on Travel

Lloyds Banking Group , one of the leading financial services providers in the UK, has selected  Allianz Partners UK  to underwrite and administer its travel insurance offering. Allianz Partners UK already supplies home emergency cover to Lloyds Banking Group customers, making this contract for travel insurance a significant broadening of the commercial relationship between the two companies.

Under the recently signed contract, Allianz Partners UK will provide travel cover for holders of Added Value Accounts and Ultimate Reward Current Accounts for Lloyds Bank, Bank of Scotland and Halifax, entailing the seamless transfer of these customers from the current supplier.

The move is a strategic alignment between two of the UK’s most prestigious brands; Lloyds Banking Group as Britain’s preferred financial partner and Allianz Partners UK, a provider of market-leading travel insurance solutions and part of Munich-based Allianz, the  Interbrand Best Global Brands report ’s number 1 insurance brand globally. Both companies are committed to supporting their customers and clients, supplying them with propositions that are always relevant to their specific and evolving needs.

“We are very pleased to extend our partnership with Lloyds Banking Group,” comments Tim Tozer, CEO at Allianz Partners UK. “Not only does Lloyds Banking Group share our customer-first operational focus, we also share the vision of using technology to make it easier for customers to engage with us. We are investing heavily in our systems and working closely alongside Lloyds Banking Group to ensure that both of our customer journeys are seamlessly integrated. We look forward to helping Lloyds Banking Group deliver the high levels of service quality that it is renowned for to its customers.”

Lee Taylor, Chief Sales Officer at Allianz Partners UK notes: “Although we have seen consumers start to take advantage of online services for some time, the rate of this shift has really accelerated over the past year as a result of the Covid-19 pandemic. With social distancing measures in place at bank branches and strict ‘stay at home’ guidelines enforced, even the least tech-savvy consumers have become more familiar with online banking. We are pleased to have been able to capture and incorporate these trends into our detailed offering to Lloyds Banking Group so that the brand is able to continue its strategic journey going forward, this being to remain at the forefront of digitalised delivery of quality customer service.”

Share this:

• partnerships

Related Articles

Modern Motor Insurance is More Than Nought-to-Zixty

Zixty, the environmentally conscious motor insurtech, has announced a launch into broker distribution. Yeah, see what we did with that headline there? Ethical broker Evergreen Insurance Services, is the first broker to go live with […]

US Market: AlphaRoot Expands Its Cannabis Grower Insurance

AlphaRoot, a Founder Shield company, has announced it has advanced the expansion of a limited distribution casualty program to provide casualty capacity to cannabis companies. As the cannabis industry matures, so does the loss exposure and […]

Heads Up From Aviva On Pension Hit Caused By Divorce

Latest figures from the ONS show that in 2020, there were 103,592 divorces granted in England and Wales, but with a new law that came into force on the 6th April 2022 making it much easier […]

Be the first to comment

Leave a reply cancel reply.

This site uses Akismet to reduce spam. Learn how your comment data is processed .

Copyright © 2024 | MH Magazine WordPress Theme by MH Themes

Discover more from

Subscribe now to keep reading and get access to the full archive.

Type your email…

Continue reading

• Investing & super
• Institutional
• CommBank Yello
• NetBank log on
• CommBiz log on
• CommSec log on

Help & support

Popular searches

Travel insurance

Foreign exchange calculator

Discharge/ Refinance authority form

Activate a CommBank card

Cardless cash

Interest rates & fees

Coronavirus support for credit & debit card travel insurance

Cancellation, i already have a policy, but i don’t want to go ahead with my trip because i’m concerned i might contract coronavirus. am i covered if i cancel my trip.

The policy has a general exclusion for pandemics.

It states:  We will not pay for claims caused by, or claims arising from, an epidemic, pandemic or outbreak of a contagious disease or any derivative or mutation of such viruses, or the threat or perceived threat of any of these. Refer to  who.int  and  smartraveller.gov.au  for further information on epidemics and pandemics.

Therefore, there’s no cover for cancellation due to concerns about coronavirus.

I already have a policy for my upcoming trip, but I want to cancel the trip now. Will my cancellation costs be covered?

There’s no cover for cancellation if you cancel your trip due to the impact of coronavirus. We encourage you to contact your own travel agent, transport provider, accommodation or tour operator to discuss any actual or proposed changes to travel plans. Your travel provider can provide you with more information about your options for adjusting your travel itinerary or getting a refund.

If my travel provider cancels my arrangements due to coronavirus, will my cancellation costs be covered under my policy?

No, there’s no cover for cancellation because of the impact of the coronavirus pandemic. We recommend all travellers contact their travel provider(s) to discuss any actual or proposed changes to travel plans. Your travel provider can give you more information about your options for adjusting your travel itinerary or getting a refund.

If my travel provider cancels my arrangements and offers me a full refund, but I can’t get a refund for my other prepaid travel expenses, can I claim those?

No, there’s no cover for cancellation because of the impact of the coronavirus pandemic.

If I contract coronavirus and can’t go on my trip, will I be covered by my policy?

If i’m placed in self-isolation and can’t go on my trip, will i be covered by my policy, i haven’t activated my travel insurance cover, but i want to now. will i be covered for cancellation due to coronavirus.

No, there’s no cover for cancellation due to the coronavirus pandemic as there’s a general exclusion on the policy. It’s also a known event, which is excluded from the policy.

If I catch coronavirus while travelling overseas and need medical treatment, what should I do?

If you’re overseas and have been directly affected by coronavirus and need medical help, please call the Cover-More 24-hour emergency assistance team immediately on +61 2 8907 5619.

COVID-19 cover under the Overseas Emergency Medical and Hospital Expenses benefit is now available on eligible CommBank cards for travellers whose journey commenced on or after 10 August 2022, or who activated their policy on or after 10 August 2022. There is no COVID-19 cover for cruise travel. Terms and conditions apply. Please refer to the PDS.

What if I’ve returned home and have to self-isolate? Is there any cover?

Once you’re back in Australia, there’s no cover under the policy. For example, this means there’s no cover for any medical expenses, out-of-pocket expenses, or loss of income once you’re back in Australia.

If, despite the Australian Government’s advice not to travel, I need to travel overseas, will my policy still cover me for medical expenses unrelated to coronavirus?

‘Overseas Medical Expenses’ and ‘Additional Expenses If You Become Sick’, as defined in your policy, are still covered, as long as they’re unrelated to coronavirus if you choose to travel overseas after the 15 March 2020 Australian Government advice.

Remember – it’s a condition of the policy that you must take all reasonable steps to prevent or minimise a claim. Claims will be assessed in accordance with your policy, taking into account the circumstances of your claim, when you purchased your policy, advice publicly available prior to your entry to a region, where you are travelling to, and the dates of your trip.

Currently overseas

I’m already overseas and want to return to australia (and the smart traveller advice is recommending i do so as soon as possible). will i be covered for my extra travel costs.

The policy has a general exclusion for pandemics. Therefore, you won’t be covered for additional expenses relating to any changes to your trip. 

I’m overseas and having trouble getting travel bookings to return home. Will my travel insurance policy automatically extend until I’m able to return home?

No – you’ll need to contact Cover-More to request an extension and pay any required additional premium, whether you’re genuinely stuck overseas or decide to remain overseas.

What if I’m quarantined overseas? Is there any cover for additional expenses?

The policy has a general exclusion for pandemics. Therefore, you won’t be covered for additional expenses relating to being quarantined, whether you have coronavirus or not.

However, if you’re a CBA credit or debit cardholder, the Cover-More 24-hour assistance team can support you with non-financial assistance, such as assisting with changes to travel arrangements including flights, accommodation and ground transfers. We encourage you to contact your travel agent, transport provider, accommodation or tour operator to check what they can provide under these circumstances.

If my transport is delayed or I miss a connection due to the impact of coronavirus, will you pay my claim for that?

No, there’s no cover for travel delays or missed connections because of the impact of the coronavirus pandemic.

Claims unrelated to coronavirus

If i want to make a claim for an event unrelated to coronavirus, will there still be cover.

If your claim is unrelated to coronavirus, it will be assessed as normal in accordance with the terms, conditions and exclusions in your relevant Product Disclosure Statement ( Credit Card Insurances Product Disclosure Statement  or  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet )I

General Information

What is a pandemic and epidemic.

Your travel insurance product disclosure statement (PDS) ( Credit Card Insurances Product Disclosure Statement  or  World Debit Mastercard insurances Product Disclosure Statement and Information Booklet ) includes  definitions of ‘pandemic’ and ‘epidemic’ that are used for the purposes of your travel insurance policy wording.

An ‘epidemic’ means a fast-spreading contagious disease or illness in an area, as documented by a recognised public health authority. A ‘pandemic’ means an epidemic that’s expected to affect an unusually large number of people or involves an extensive geographic area.

It’s important that you refer to your PDS for any specific details about your travel insurance cover.

Is coronavirus (COVID-19) considered both an epidemic and pandemic?

For the most up-to-date information on coronavirus (COVID-19), please refer to the  World Health Organization (WHO)  and  Smart Traveller  websites.

Where should I go for information regarding coronavirus (COVID-19)?

Stay up-to-date on information about coronavirus (COVID-19) from the  Department of Foreign Affairs and Trade (DFAT) Smart Traveller website  and the  World Health Organization (WHO) .

If you are currently overseas or if you have further questions around what you’re covered for or need to make a claim, contact Cover-More:

• Within Australia: call Cover-More on 1300 467 951
• From overseas: call Cover-More on +612 8907 5060  (call charges may apply)
• Or Email: [email protected]

Things you should know

This information must be read in conjunction with the Product Disclosure Statement (PDS) as certain terms, conditions, limits, and exclusions apply. These terms, conditions, limits and exclusions are detailed in the PDS and we draw your attention to ‘’Overseas Travel Insurance’ and ‘General Exclusions’ sections of the PDS. Any advice is general advice only.

Insurance is provided by Zurich Australian Insurance Limited, ABN 13 000 296 640, AFS Licence Number 232507 through its agent Cover-More Insurance Services Pty Ltd ABN 95 003 114 145, AFSL 241713 (Cover-More) for Commonwealth Bank of Australia (CBA).

CBA and its related bodies corporate do not issue or guarantee this insurance. It does not represent a deposit with or liability of either CBA or any of its related bodies corporate. We do not provide any advice on this insurance based on any consideration of your objectives, financial situation or needs. 

Power up your money know-how

Join the 35K+ subscribers who receive our weekly Moneyzone newsletter, showcasing the latest rate movements, exclusive deals, money-saving hacks, and expert insights from Mozo.

Zero spam. Unsubscribe anytime.

By submitting your information you agree to the terms and conditions and privacy policy

Thanks for signing up

You will receive a welcome email shortly, are you covered for coronavirus under your credit card travel insurance.

Now that the early-pandemic days of clearing supermarket shelves and hoarding toilet paper are behind us, and most countries are open to travellers, you might be wondering if your complimentary credit card travel insurance policy will cover the spicy cough on your upcoming overseas trip.

Unfortunately, as we’ve come to expect over the past couple of years, there are no blanket rules when it comes to Covid coverage, and each credit card travel insurance provider seems to have its own way of treating the matter.

Some credit card travel insurance providers will cover COVID-19 to some extent, while others will flat-out exclude cover related to any losses connected with epidemics or pandemics.

So, if you’re heading overseas and plan on relying upon your bundled credit card travel insurance policy, you’ll want to know exactly where you stand regarding Covid cover.

The best way to know for sure is by looking through the product disclosure statement (PDS) that comes with your policy with a fine-tooth comb. But, you can start here with some of the more frequently asked ones. 

Two of the more important Covid-related travel insurance benefits you should be looking into are medical and cancellation cover. But to make things easier, we’ve put together a breakdown of some providers and how they treat Coronavirus under their credit card travel insurance policies.

But before we get into the overview, there are a couple of important things to note:

Activate your bundled credit card travel insurance before you go

Generally you’ll have to activate your credit card travel insurance when heading overseas. If you don’t make sure to check if it’s active, then you might not be covered on your overseas trip for anything that happens outside the period of insurance.

Eligibility requirements for credit card travel insurance

To be eligible for your bundled credit card travel insurance, you might have to spend a certain amount on your card, or even make eligible purchases, which will be outlined in further detail on the various providers’ websites.  

Further eligibility requirements may include being under a certain age (under 79 is a common requirement), but there may be more. So, always read the PDS. 

Always read the PDS that comes with your credit card travel insurance policy

By reading the PDS, you’ll be able to understand the limitations of Covid-related cover on your credit card travel insurance policy, including under what circumstances your provider will or will not cover pandemics.

ANZ credit card travel insurance

Commonwealth bank credit card travel insurance, nab credit card travel insurance, westpac credit card travel insurance, american express credit card travel insurance, citi credit card travel insurance, hsbc credit card travel insurance, which other providers offer complimentary travel insurance with their credit cards.

Underwritten by: Allianz Global Assistance  ANZ credit cards that offer complimentary travel insurance include:

• ANZ Frequent Flyer Platinum
• ANZ Frequent Flyer Black
• ANZ Rewards Platinum
• ANZ Rewards Black
• ANZ Rewards Travel Adventures
• ANZ Platinum

Does ANZ credit card travel insurance cover Coronavirus? 

If you are positively diagnosed as suffering a sickness recognised as an epidemic or pandemic, such as COVID-19, cover is available for:

• Overseas medical assistance
• Overseas emergency medical
• Evacuation and repatriation
• Cancellation
• Additional expenses 

For more information call Allianz Global Assistance on: 1300 135 271

Underwritten by: Zurich Australian Insurance through Cover-More 

CommBank credit cards that offer complimentary travel insurance:

• CommBank Low Fee Gold Credit Card 
• CommBank Low Rate Gold Credit Card 
• CommBank Gold Awards Credit Card
• CommBank Platinum Awards Credit Card
• CommBank Diamond Awards Credit Card 
• CommBank Ultimate Awards Credit Card
• World Debit Mastercard

Does Commonwealth Bank credit card travel insurance cover Coronavirus? 

Commonwealth Bank credit card travel insurance provides limited cover for overseas emergency medical expenses related to COVID-19. 

However, CommBank credit card travel insurance does not provide cancellation cover related to COVID-19.

CommBank's standalone travel insurance policy, i.e. not the bundled policy, does not provide cover for Covid whatsoever. 

For more information call Cover-More on: 1300 467 951

Underwritten by: Allianz Global Assistance 

NAB credit cards that offer complimentary travel insurance:

• NAB Premium Credit Card
• NAB Platinum Credit Card
• NAB Signature Credit Card
• NAB Platinum Visa Debit Card

Does NAB credit card travel insurance cover Coronavirus?

From 30 June 2022, NAB credit card travel insurance may provide limited cover for COVID-19 related events, such as:

• Overseas Emergency Assistance
• Overseas Emergency Medical
• Medical Evacuation & Repatriation
• Additional Expenses

For more information call Allianz Global Assistance on: 1800 187 025

Underwritten by: Allianz Global Assistance

Westpac credit cards that offer complimentary travel insurance:

• Westpac Earth Black
• Westpac Earth Platinum
• Westpac Earth Platinum Plus
• Westpac Altitude Black
• Westpac Altitude Platinum 
• Westpac Altitude Platinum Plus
• Singapore Airlines Platinum
• Singapore Airlines Gold
• Westpac Low Fee Platinum
• Private Bank Gold Mastercard

Does Westpac credit card travel insurance cover Coronavirus?

From 8 July, Westpac has announced it will be providing COVID-19 and pandemic cover on eligible travel insurance policies through select credit cards (T&Cs apply). Benefits include:

For more information call Allianz Global Assistance on: 1800 091 710

Underwritten by: Chubb 

American Express credit cards that offer complimentary travel insurance:

• American Express Platinum Card 
• American Express Gold Card 
• American Express Rewards Advantage Card 
• American Express Green Card  
• American Express Explorer Credit Card 
• American Express Platinum Reserve Credit Card 
• American Express Platinum Edge Credit Card 
• American Express Platinum Rewards Credit Card 
• Qantas American Express Ultimate Credit Card 
• American Express Velocity Gold Credit Card  
• American Express Elevate Credit Card 
• American Express Elevate Premium Credit Card

Does American Express credit card travel insurance cover Coronavirus?

American Express credit card travel insurance provides limited cover for Covid-related events, such as:

• Trip cancellations, curtailments, and changes
• Medical emergency expenses cover 

It's recommended you check the specific PDS for your card to make sure you're aware of the way your credit card travel insurance treats Covid. 

Note: There is no cover if you travel against a Smartraveller ‘Do Not Travel’ warning or if borders have closed at your destination prior to departure.

For more information call Chubb on: (02) 9335 3200

Citi credit cards that offer complimentary travel insurance:

• Citi Prestige credit card
• Citi Premier credit card
• Citi Rewards credit card
• Emirates Citi World Mastercard
• CitiBusiness Gold credit card

Does Citi credit card travel insurance cover Coronavirus?

Unfortunately, Citi will not cover you for any loss, damages, or expenses caused by, arising directly or indirectly from or in any way related to any epidemic or pandemic, including COVID-19. 

For more information call Allianz Global Assistance on: 1800 072 791

HSBC credit cards that offer complimentary travel insurance:

• HSBC Platinum credit card
• HSBC Platinum Qantas credit card
• HSBC Premier World MasterCard
• Low Rate credit card

Does HSBC credit card travel insurance cover Coronavirus?

HSBC credit card travel insurance provides some cover for Covid, including for benefits like: 

• Overseas emergency assistance
• Overseas emergency medical 
• Evacuation and repatriation 
• Cancellation 

Make sure you read through the relevant PDS to understand the limits of HSBC’s coverage.

For more information call Allianz Global Assistance on: 1800 648 093

According to Mozo’s database, 32 credit card providers on site offer complimentary travel insurance on their credit cards. 

If you are concerned about whether you are covered for any medical issues or cancellations due to the outbreak of the coronavirus, contact your provider, or its travel insurance underwriter, on one of the following numbers.

RELATED ARTICLE: Everything you need to know about travel insurance

Interested in what other travel features come complimentary on credit card products? Jump over to our credit card comparison table to check out various options or Mozo's top choices of the best credit cards.

^See information about the Mozo Experts Choice Credit Card Awards

Mozo provides general product information. We don't consider your personal objectives, financial situation or needs and we aren't recommending any specific product to you. You should make your own decision after reading the PDS or offer documentation, or seeking independent advice.

While we pride ourselves on covering a wide range of products, we don't cover every product in the market. If you decide to apply for a product through our website, you will be dealing directly with the provider of that product and not with Mozo.

Who we are and how we get paid

Our goal at Mozo is to help you make smart financial decisions and our award-winning comparison tools and services are provided free of charge. As a marketplace business, we do earn money from advertising and this page features products with Go To Site links and/or other paid links where the provider pays us a fee if you go to their site from ours, or you take out a product with them. You do not pay any extra for using our service.

We are proud of the tools and information we provide and unlike some other comparison sites, we also include the option to search all the products in our database, regardless of whether we have a commercial relationship with the providers of those products or not.

'Sponsored', 'Hot deal' and 'Featured Product' labels denote products where the provider has paid to advertise more prominently.

'Mozo sort order' refers to the initial sort order and is not intended in any way to imply that particular products are better than others. You can easily change the sort order of the products displayed on the page.

Important information on terms, conditions and sub-limits

Terms, conditions, exclusions, limits and sub-limits may apply to any of the insurance products shown on the Mozo website. These terms, conditions, exclusions, limits and sub-limits could affect the level of benefits and cover available under any of the insurance products shown on the Mozo website. Please refer to the relevant Product Disclosure Statement and the Target Market Determination on the provider's website for further information before making any decisions about an insurance product.

• Jump to Accessibility
• Jump to Content

How does coronavirus (COVID-19) affect my Gold account travel insurance?

The ongoing coronavirus (COVID-19) situation continues to have a significant impact on travel, especially for trips to a foreign country. The UK government’s stay at home guidance has now been lifted enabling travel to some destinations and similar restrictions are being lifted in some other countries as well, however there are still a number of considerations to take into account if you are planning to travel.

If you do book a trip, it is important to make sure that you keep up to date with the Foreign, Commonwealth & Development Office (FCDO) advice or the advice of the equivalent government authority in your country of residence for any destination you are planning to travel to or through as part of your journey. You are strongly advised to book through a provider that entitles you to protection through an industry scheme, such as ATOL or ABTA in the UK, and where possible, use a credit card for additional protection. You should also make sure that you fully understand what your travel insurance policy will cover you for and what evidence you might need to provide in the event of a claim. The questions and answers below should help, but please get in contact if you are unclear.

Please note: This page was last updated on 18th March 2021 and to the best of our knowledge is correct at the time of writing. The general advice below does not replace the terms and conditions of your Gold account travel insurance policy which you should read for further information.

For assistance and claims, please contact:

Membership services: 023 9267 6060 From abroad: +44 (0) 23 9267 6060 Email: [email protected]

Useful websites:

• GOV.UK - Red list of countries and territories return travel rules
• GOV.UK - Other countries return travel rules
• GOV.UK - Foreign travel advice
• GOV.UK - Travel abroad : step by step
• NHS Coronavirus (COVID-19)

Frequently asked questions

Are there any specific policy exclusions for coronavirus (covid-19).

There is a specific exclusion for any claims arising as a result of epidemics and pandemics. This includes COVID-19 but there are some limited exceptions to this exclusion, which are as follows:

Cancellation and Curtailment

• Illness or death of a beneficiary, their travelling companion or a relative of either.
• Quarantine of a beneficiary or their travelling companion on a personal and individual basis.
• Denied boarding of a beneficiary or their travelling companion due to displaying symptoms of a contagious disease.
• Medical expenses and associated costs if a beneficiary contracts an epidemic or pandemic disease.
• Additional accommodation costs if a beneficiary has to quarantine on the personal request of a treating doctor.
• The cost of unused excursions, ski pack or green fees.
• Hospital benefit per 24 hours of hospital admission.

Please refer to your policy document for further details, or, if you are unsure, please contact us directly to discuss your policy.

Please note that your claim will only be considered if you have not travelled against the advice of the Foreign, Commonwealth & Development Office (FCDO) or the equivalent government authority in your country of residence.

Is there cover for travel against government advice?

No - travel to areas where, at time of booking the Journey or thereafter but before You travel, the Foreign, Commonwealth & Development Office (FCDO) or the equivalent government authority in your country of residence has advised against all or all but essential travel to is not covered. The only exception is where essential travel is permitted and you are travelling for an essential reason that you are able to provide evidence of.

You should keep apprised of the advice generally and for your specific destination - especially in the current circumstances where the travel advice is frequently changing. Should your journey begin before any announcement from the FCDO (or equivalent), but then travel restrictions are put in place during travel, you would remain covered by your policy, providing the advice does not instruct you to return home immediately. If you require further clarification, please contact the Allianz Assistance customer service team.

Will I be covered if I travel now?

Yes, cover will apply as per the terms and conditions outlined in your policy document if you travel abroad in line with the travel advice issued by the Foreign, Commonwealth & Development Office (FCDO) or equivalent government authority in your country of residence. If they are advising against travel to your destination, you will not be covered if you travel against the advice. You should read your policy documents carefully to ensure that your cover level meets your requirements and ensure that you keep updated with the latest advice both prior to booking and departure. If the advice for your destination changes before your departure date, you should contact the airline/travel provider to arrange reimbursement or an alternative date/destination of travel.

I have booked a trip abroad but I am not fully vaccinated. Can I still travel?

There are some countries that will not allow travellers to enter unless they can prove that they’ve received a vaccine for COVID-19. Prior to booking a trip, you should check the entry requirements for your destination and prepare any documents of proof in advance of your departure date. If you are denied entry into your country of destination because you have failed to meet the entry requirements, you will not be covered by your travel insurance policy for any financial losses or unexpected additional costs incurred.

Can I claim on my travel insurance if I have to cancel my trip because my destination has banned travellers from my country of residence from entry?

You would need to contact the airline and/or travel provider to discuss your options for amending or cancelling your trip. Your travel insurance policy would not provide cover for cancellation if you are unable to travel to your destination due to a ban on residents from certain countries at your destination.

If I need to travel abroad for essential travel for business or education to a destination that the FCDO or the equivalent government authority is advising against all but essential travel to, how do I know if I will be covered for this trip under the travel protection policy?

In the event of a claim, you would have to be able to prove your reason for travel was legally permitted but also that it was necessary, urgent and could not have been postponed. If you are unsure whether your proof is acceptable, please contact the Allianz Assistance customer service team to confirm, before you depart for your trip.

If I am abroad and the area I travelled to is going into lockdown, what should I do?

If the country or local area that you are in goes into lockdown you should contact your airline/travel provider as soon as possible to discuss your options for amending your return travel. If you are unable to arrange travel to return home, please contact the local embassy or consulate for advice.

What happens if I contract coronavirus (COVID-19) whilst I’m away?

There are certain exceptions to the `Anticipated event` exclusion from cover, including medical expenses and associated costs if you contract an epidemic or pandemic disease, such as coronavirus. Please note that your claim will only be considered if you have not travelled against the advice of the Foreign, Commonwealth & Development Office (FCDO) or the equivalent government authority in your country of residence. Should you contract coronavirus during travel, please follow any advice given by the local authorities and contact your travel provider to notify them as soon as possible. It is important that you contact our 24-hour medical emergency helpline for advice and assistance if you are admitted to hospital or are unable to travel home as planned.

What happens if I am denied boarding due to coronavirus (COVID-19)?

There are certain exceptions to the `Anticipated event` exclusion from cover, including cancellation, curtailment or trip extension if you or your travelling companion are denied boarding due to displaying symptoms and/or diagnosis of an epidemic or pandemic disease (including coronavirus). You will be covered for any unused and unrecoverable trip costs or for additional unexpected accommodation costs. When making a claim, you will be required to provide written confirmation of the denied boarding order from your airline/travel provider. Please note that your claim will only be considered if you have not travelled against the advice of the Foreign, Commonwealth & Development Office (FCDO) or the equivalent government authority in your country of residence.

Please note that cover would not apply if you are refused boarding upon re-entry into the UK or your country of residence because you did not take a COVID-19 test prior to departure. This is because failure to comply with entry requirements for any country is excluded from cover. If you are unable to obtain your test result in time for your planned return travel, you should contact the travel provider to make alternative arrangements for returning home.

What happens if I am subject to compulsory quarantine whilst abroad due to coronavirus (COVID-19)?

If you fall ill with an epidemic or pandemic disease (including coronavirus) or are requested to quarantine as a result of your exposure to the disease, you will be covered for medical costs incurred if you are outside your home country when falling ill. You will also be covered for cutting your trip short, repatriation and/or extending your trip if you are not well enough or able to travel home as planned.

Your travel insurance policy will also cover the cost for one member of your travel party to stay abroad with you, where medically necessary, until you are fit enough to return home. It is important that you contact our 24-hour medical emergency helpline for advice and assistance if you are admitted to hospital or are unable to travel home as planned.

I am abroad at the moment, should I self-isolate when I return?

Please follow government guidance on self-isolating when returning to your country of residence from a trip abroad.

What happens if I need to cancel my trip due to coronavirus (COVID-19)?

Cancellation cover will apply if your trip is cancelled because you or your travel companion either have symptoms or are diagnosed with an epidemic or pandemic disease (including coronavirus). There is also cover if you or your travelling companion are required to quarantine (self-isolate) as a result of your individual circumstances, such as being requested to by the NHS 111 or equivalent service or a government test and trace scheme.

Am I covered to cancel my trip having tested positive for coronavirus (COVID-19), even if the government are not insisting on isolation being required?

If current government advice does not require you to isolate having tested positive for coronavirus, cancellation cover will still apply if you are medically too unwell to travel. Medical confirmation of this will be needed in the event of a claim.

Even if you are well enough to travel, you should be aware that local government travel advice may vary from that in your country of residence and this may prevent you from travelling. Cancellation cover will also apply in these circumstances.

Always check the entry requirements for any country you are travelling from, through or to. This should be done at the time of booking your travel right through to the time of travel, as these can change at any time. Visit the Foreign, Commonwealth & Development Office (FCDO) or equivalent government authority in your country of residence for further details.

What happens if I need to cancel/curtail my trip to take care of or be with a loved one?

Your travel insurance policy would cover you for unexpected additional or unused costs if you have to cancel your trip or return home early due to a close relative (such as a parent, child, sibling or grandparent) of you or your travel companion falling seriously ill with an epidemic or pandemic disease (including coronavirus). Please be advised that you will need to provide a Doctor’s certificate to support your claim.

Will I be covered to curtail my trip if I am unable to stay at my pre-booked accommodation due to a local/national lockdown at my destination and/or I am advised to return home by the government authority in my country of residence due to COVID-19?

No - you would need to seek reimbursement or a refund from the accommodation provider. If unsuccessful, you may be able to reclaim certain losses from other sources, especially if it is a package booking and the travel provider is ATOL or ABTA protected. Costs over £100 that are not recoverable from your travel or accommodation provider may be recoverable from your credit card company if your credit card was used to make the purchase. You may also have buyer protection if payments were made through PayPal.

Can I claim on my travel insurance if my trip has been cancelled by the airline/travel provider, but is only offering to reschedule or provide a voucher, rather than a refund?

If your airline/travel provider has provided a voucher for future use or another alternative form of refund, you will not be able to claim on your travel insurance policy as it only provides cover for losses that are not recoverable from any other source. If you are unhappy with the reimbursement being offered, you should refer to the airline/travel provider’s Conditions of Carriage for details of your contractual rights in regard to receiving a refund in the event of cancellation. If this states they will provide a monetary refund, you will need to take this up with the airline/travel provider directly, or with the appropriate industry regulator if you believe that the contractual obligations are not being fulfilled.

If the airline/travel provider has agreed to provide a monetary refund but is unable to do so immediately, you will need to direct any complaint regarding the delay to the airline/travel provider. A guarantee of refund means that the trip expense is recoverable and so cannot be claimed for. However, if the airline/travel provider is not contractually obliged to reimburse you following cancellation and you cannot recover the losses from any other source, you may be able to claim on your travel insurance. Please be advised that all claims are considered on a case by case basis.

If I have been offered a rescheduled flight or voucher but have concerns that the airline/travel provider could go bankrupt or will be unable to redeem my voucher, can I claim for cash reimbursement on my travel insurance?

If your airline/travel provider has provided a voucher for future use or another alternative form of refund, you will not be able to claim on your travel insurance policy as it only provides cover for losses that are not recoverable from any other source. Please refer to the airline/travel provider’s Conditions of Carriage for details of your contractual rights in regard to receiving a refund in the event of cancellation. If this states they will provide a monetary refund, you will need to take this up with the airline/travel provider directly, or with the appropriate industry regulator if you believe that the contractual obligations are not being fulfilled. In the event the airline/travel provider goes into administration before you are able to redeem your voucher, you will need to contact the company Administrators to establish whether your voucher is still valid and, if not, to request your monetary refund. You may become a creditor of the airline at that stage, but the Administrators will be able to provide advice on whether or not a monetary refund can be provided. If it cannot and you are unable to recover this trip expense from any other source, you may be able to claim on your travel insurance. Please be advised that all claims are considered on a case by case basis.

If I do accept a voucher and make a new booking for a future date, will I be covered for coronavirus (COVID-19) related issues under any usual policy cancellation reason or for medical expenses once on the trip?

Yes - there are certain exceptions to the `Anticipated event` exclusion from cover, including medical expenses and associated costs if you contract an epidemic or pandemic disease, such as coronavirus. The exceptions to the exclusion and therefore circumstances in which you would be covered (all in relation to an epidemic or pandemic disease) are*:

• Quarantine of a beneficiary or their travelling companion on a person basis.
• Denied boarding of a beneficiary or their travelling companion due to displaying symptoms.

*Please note that your claim will only be considered if you have not travelled against the advice of the Foreign, Commonwealth & Development Office (FCDO) or the equivalent government authority in your country of residence.

If I open/upgrade to a Gold account will I be able to claim on my travel insurance if I can’t or don’t want to travel in the future due to coronavirus (COVID-19)?

You will not be covered for claims arising if you do not wish to travel (disinclination to travel). However, as long as coronavirus is still considered to be an epidemic or pandemic disease, you would be covered for the following circumstances as exceptions to the `Anticipated event` exclusion*:

* Please note that your claim will only be considered if you have not travelled against the advice of the Foreign, Commonwealth & Development Office (FCDO) or the equivalent government authority in your country of residence.

Do I have to renew my annual medical endorsement even though I am unable to travel due to restrictions and/or government advice against travel abroad?

No - if your annual medical endorsement reaches its expiry date, it will be possible for you to wait until the current travel restrictions have eased and purchase a new one when you are going to be booking to travel again. Please be advised, however, that if you do not renew your medical endorsement before booking a trip or undertaking any travel (whichever is earlier), you will not be covered for any claims related to your pre-existing medical condition(s).

Other help and support

Common questions.

How do I get the mobile banking app?

How do I pay in a cheque using the mobile app?

If I misplace my debit card, can I temporarily freeze it?

Where can I find my IBAN and BIC details?

What is a card-reader and how do I use one?

What is a pending transaction?

Cora is here to help you

Cora, our digital assistant, is available 24/7 to help answer your questions about everyday banking.

If you log into online banking or the mobile app before starting a chat, Cora can offer additional support.

COVID-19 and travel disruption

If your travel plans are turned upside down because of COVID-19, check out what our Travel Insurance could cover.

Keep up to date

Before you buy travel insurance or pay for flights, remember to check the latest government advice from the Foreign, Commonwealth and Development Office (FCDO) and the travel guidance for England , Scotland , Wales , Northern Ireland .

See the countries list for specific information about your destination, like any entry requirements.

For full details of the COVID-19 cover we provide, take a look at our policy booklets . Monetary limits, excesses and exclusions apply.

What we cover

We offer Single Trip , Annual Multi Trip , Backpacker and Later Life travel insurance, which all have COVID-19 cover for before your trip and while you’re away should the following happen.

Monetary limits, excesses and exclusions apply.

Before you travel

• You’ve tested positive for COVID-19 and can't travel
• You can't travel because you've been contacted by the NHS Test and Trace service
• You’ve been stopped from boarding a plane in the UK because you have COVID-19 symptoms
• You were planning to stay with a family member on your trip who has been told they have to self-isolate

If any of the above happens, we’ll cover the costs of having to cancel.

While you're away

• You have a medical emergency as a result of COVID-19
• You've got to return home early due to FCDO advice changing during your trip

If any of the above happens, we’ll cover you for medical costs, accommodation and/or getting you home providing you haven't travelled against FCDO or local authority guidance and have followed medical advice.

What we don't cover

You won’t be able to claim under your policy in the following circumstances.

• Cancellation of your trip if the FCDO or your local authority advised against all travel or all but essential travel
• If you decide to cancel your trip because you no longer want to travel
• Where you are legally entitled to a refund such as from your travel provider

Pre-existing medical conditions

With our COVID-19 cover you can claim if you get sick with the virus before or during your trip.

We can’t cover pre-existing medical conditions unless you’ve contacted us, and we’ve accepted this in writing. This includes any medical condition for which you’ve received prescription medication or had check-ups in the past two years and certain conditions which you have had treatment or tests for in the last 5 years.

It’s really important that you tell us about any pre-existing medical conditions when you set up your policy. Failing to declare an illness means you may not be able to make a claim under your travel insurance policy, even if it’s unrelated to your condition.

Airline disruption and cancellation

We can cover some airline disruption or cancellation outside of your control that leaves you out of pocket. However, we won’t cover if the airline or tour operator is responsible for providing compensation, or if you can reclaim through your credit card provider .

We also can’t offer cover for airline disruption or cancellation if you booked your travel against the advice of the FCDO or a local authority.

What you need to know

Check the government advice around travelling abroad for non-essential journeys, and make sure you check the latest guidance before you pay for any travel or travel insurance. Some countries may have restrictions in place where you can’t enter or leave unless it’s for a valid reason, such as needing to travel for work.

Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A.

Help for existing customers

If you're an existing customer you can find more information, ways to get in touch and how to start a claim here.

Policy documents

What type of cover do you have, how did you buy your policy.

It’s important that you review the full policy document for your Travel Insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.

The Insurance Product Information Documents are a summary of the key features, benefits and exclusions of each cover level.

Policy Wording Documents

If you purchased or renewed your policy on or after 13 December 2023, your policy document is below.

If you purchased or renewed your policy before 13 December 2023, your policy document is below.

Product Information Documents

So we can help you find your documents, please give us a call.

0345 030 6124

It’s important that you review the full policy document for your travel insurance policy. It contains details of your cover, exclusions and limitations of your travel insurance. Monetary limits and excesses apply.

Product Information Document

Important information.

The Insurance Product Information Documents summarise the key features, benefits and exclusions of our additional cover.

Gadget Cover Documents

Car hire documents, how we collect and use your personal data.

Tesco Personal Finance PLC (trading as Tesco Bank) acts as an intermediary for this policy. Tesco Bank Travel Insurance is arranged and administered by Rock Insurance Services Limited and underwritten by Inter Partner Assistance S.A. Gadget Cover is underwritten by AmTrust Europe Limited (AmTrust). You can find out more about how ROCK will process and share your data in their Privacy Notice.

ROCK will share some of your information with Tesco Bank as set out in their privacy notice and you can find out more about how Tesco Bank will then process that data in our Privacy Policy .

ROCK will also share data with IPA UK so that they can underwrite your policy and if you make a claim. You can find out more about how IPA UK will process your data in the ‘Data Protection Notice and Fraud’ section of the Policy Wording document and by visiting the AXA Assistance website and AmTrust Europe website.

• Credit cards
• View all credit cards
• Banking guide
• Loans guide
• Insurance guide
• Personal finance
• View all personal finance
• Small business
• Small business guide
• View all taxes

You’re our first priority. Every time.

We believe everyone should be able to make financial decisions with confidence. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free.

So how do we make money? Our partners compensate us. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. Our partners cannot pay us to guarantee favorable reviews of their products or services. Here is a list of our partners .

How the AmEx Gold Travel Insurance Works

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

What types of travel insurance does the American Express® Gold Card provide?

Understanding the american express® gold card baggage insurance policy, how to get rental car insurance through the american express® gold card, american express® gold card trip delay travel insurance, how amex global assist works, american express® gold card travel insurance, recapped.

The American Express® Gold Card is best known for its dining, grocery and rideshare perks. However, this mid-tier rewards card also offers cardholders several benefits that can make it an appealing option for booking flights and rental cars. Terms apply.

Does the American Express® Gold Card have travel insurance ? Yes — in fact, several kinds. From travel protections to car rental damage waivers, let's find out how the American Express® Gold Card travel insurance works. Terms apply.

American Express offers four types of travel insurance and protections to holders of the American Express® Gold Card :

Baggage insurance that covers lost, damaged or stolen baggage.

Car rental insurance which covers damage to or theft of eligible car rentals.

Trip delay insurance reimburses expenses when your travel plans are delayed by more than 12 hours.

Global Assist helps coordinate services when things go wrong on a trip.

Terms apply.

Each of these travel protections has limits, exclusions and requirements. For example, you'll generally need to pay for trips with your American Express® Gold Card to get these travel protections. And the maximum benefit for each of these is capped at a certain amount. Let's dig into the details. Terms apply.

» Learn more: How to file travel insurance claims

Cardholders of the American Express® Gold Card can get baggage protection on their checked and carry-on bags when traveling on a common carrier — such as an airline. To activate this coverage, all you need to do is pay for the entire cost of the flight, train, bus or cruise with your American Express® Gold Card or American Express Membership Rewards points. Terms apply.

AmEx even covers the loss or damage of bags on the way to or from the "common carrier terminal" (e.g., the airport). And it's not just the cardmember's bags that are covered. AmEx also covers the bags of your:

Spouse or domestic partner.

Dependent children under 23.

Certain disabled dependents.

If you need any more incentive to pack light: AmEx protects up to $1,250 in loss, damage or theft for carry-on bags and $500 max for checked bags. Note that this limit is applied per person — and not per bag. So, you won't get a higher amount of coverage if you spread your personal items across several bags. Terms apply.

AmEx also places a $250 cap on the amount that it will reimburse for "high risk items" — such as jewelry, cameras, sports equipment, computers or other precious metals. Terms apply.

» Learn more: Rental car insurance explained

Another useful American Express® Gold Card travel insurance protection covers cardmembers when they rent a car. To activate this coverage, just pay for the entire rental with your American Express® Gold Card and decline the rental company's collision damage waiver product. Then, AmEx will automatically reimburse up to $50,000 in damage or theft for most rentals up to 30 days in length. Terms apply.

However, you'll need to be wary of several key restrictions:

Coverage is secondary. That means you'll need to file with your personal auto insurance company first.

AmEx doesn't provide coverage for vehicles rented in Australia, Italy or New Zealand.

Certain vehicle types are excluded — such as cargo vans, motorcycles, mopeds and campers.

This AmEx collision damage waiver, or CDW, covers damage and theft to the car you rent. You're still responsible for damage and injury done to others. So make sure your personal auto insurance covers your liability when renting cars.

» Learn more: The cheapest car rental companies, according to data

One of the newest travel insurance perks of the American Express® Gold Card (added as of Jan. 1, 2020) is trip delay insurance protections. This trip delay insurance kicks in when you pay for a trip with your American Express® Gold Card or AmEx points. Terms apply.

Then, if your flight is delayed for more than 12 hours for a covered reason, American Express will reimburse you up to $300 for reasonable expenses such as meals, lodging, toiletries, medication and other personal use items. Terms apply.

Unfortunately, not every flight delay will be covered. This American Express® Gold Card travel insurance takes effect only when your trip is delayed more than 12 hours due to:

Inclement weather.

An equipment failure of the airline or common carrier.

Lost or stolen passports or travel documents.

Terrorist action or hijacking.

Note that you must be on a trip starting from your city of residence to be covered. But, don't worry if you booked a complicated itinerary. This trip delay insurance is effective as long as you start from your home and pay for your entire trip with the American Express® Gold Card — including all round-trip and one-way travel along the way. Terms apply.

» Learn more: How to book better and avoid flight delays

Think of AmEx Global Assist as your travel assistant. AmEx Global Assist can help with everything from visa and vaccination information before your trip, to emergency cash wires if things go wrong during your trip.

AmEx provides many travel advice and assistance services free of charge. However, if you need outside help — such as emergency translation or legal assistance — you'll be on the hook for payments to third-party service providers.

The AmEx Global Assist Hotline services available to American Express® Gold Card members aren't as comprehensive as what you'll get on other premium AmEx cards. However, it can still be an excellent resource when you need help before or during your travels. Terms apply.

» Learn more: The best travel credit cards may surprise you

While the American Express® Gold Card isn't a premium travel card, it still offers core travel insurance protections that can make it the go-to card for booking travel and rental cars. Terms apply.

Use your American Express® Gold Card to book travel to get up to $1,250 in coverage for lost or stolen baggage and up to $300 in reimbursements during a covered delay of 12 hours or more. Rent a car with your American Express® Gold Card to get secondary coverage of up to $50,000 for damage or theft. And you can fall back on AmEx Global Assist anytime you run into issues — when planning your trip or if you have an emergency during the trip. Terms apply.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

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

On a similar note...

You are using an outdated browser. Please upgrade your browser to improve your experience.

Personal Accounts

Business Accounts

Online Services

Help & Support

Personal Cards

Businesses Cards

Featured Personal and Business Cards

Discover More

Online Travel

Business Travel

Other Travel Services

Credit Card

Membership Rewards® Program

Other Reward Programs

Benefits and Offers

Refer a Friend

Corporations

Small Business

Global Network

It appears that JavaScript is either disabled or not supported by your web browser. JavaScript must be enabled to experience the American Express website and to log in to your account.

Travel Coverage  

Enjoy a wide array of insurance benefits when you travel and experience the adventures ahead of you with confidence. †

Out of Province/Country Emergency Medical Insurance¹ †  

Can provide coverage of up to a maximum of $5,000,000 for eligible emergency medical expenses incurred by an insured person under age 65 while travelling outside your Canadian province or territory of residence for the first 15 consecutive days of a covered trip.

Flight Delay Insurance 1†

You can receive up to $500 in coverage (aggregate maximum with Baggage Delay Insurance) for necessary and reasonable accommodations, restaurant expenses and sundry items purchased within 48 hours when delayed or denied boarding for 4 hours or more and no alternate transportation is made available when you fully charge your airline ticket to your Gold Rewards Card.

Baggage Delay Insurance 1†

You can receive up to $500 in coverage (aggregate maximum with Flight Delay Insurance), for reasonable and necessary emergency purchases for essential clothing and sundry items purchased within four days of arrival at your destination when your checked-in baggage on your outbound trip is delayed for 6 or more hours when you fully charge your airline ticket to your Gold Rewards Card.

Hotel Burglary Insurance 1†

You can receive up to $500 in coverage against the loss of most personal items (excluding cash) if your accommodation is burglarized when you fully charge your accommodations to your Gold Rewards Card.

Lost or Stolen Baggage Insurance 1†

You can be covered for loss or damage to your checked-in or carry-on baggage and personal effects while in transit for up to a maximum of $500 per trip for all insured person(s) combined when you fully charge your airline tickets to your Gold Rewards Card.

Trip Cancellation Insurance 1†

You can be reimbursed for the non-refundable and non-transferable portion of your travel arrangements when charged to your Gold Rewards Card before your departure date should you cancel your trip for a covered reason. You can be covered for up to $1,500 per insured person, per trip, up to a maximum of $3,000 for all insured persons combined.

Trip Interruption Insurance 1†

You can be covered for theft, loss and damage of your rental car with an MSRP of up to $85,000 for rentals of 48 days or less when you fully charge your rental to your Gold Rewards Card. To take advantage of this protection, simply decline the Collision Damage Waiver (CDW), Loss Damage Waiver (LDW) or similar option offered by the car rental agency. 

Car Rental Theft and Damage Insurance 2†

You can be covered up to $500,000 of Accidental Death and Dismemberment Insurance when you fully charge your common carrier (plane, train, ship or bus) tickets to your Gold Rewards Card.

$500,000 Travel Accident Insurance 3†

View the Certificate of Insurance .

To submit a claim for Travel Accident Insurance 3† , please call 1-877-777-1544 (toll-free from the US & Canada).

To submit a claim for Out of Province/Country Emergency Medical Insurance 1† , please call:

       Toll-free from the US & Canada: 1-800-243-0198

       Collect from anywhere in the world: (905) 475-4822

For other coverages listed above, please visit our Online Claims Portal to submit a claim.

† All insurance coverage is subject to the terms and conditions of their respective master policies. Certain limitations, exclusions and restrictions apply. Please read your Certificates of Insurance carefully.

Terms & Conditions

1. Underwritten by Royal & Sun Alliance Insurance Company of Canada. You may contact the insurer at 1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.

2. Underwritten by Royal & Sun Alliance Insurance Company of Canada. This coverage can only apply when you are authorized and permitted by law to operate the rental car. You may contact the insurer at

1-888-877-1710 in Canada and the U.S. or visit www.rsagroup.ca.

3. Underwritten by Chubb Life Insurance Company of Canada (“Chubb Life”). Use your Card to book tickets for your spouse, dependent children (under 23) or any Supplementary Cardmember and they can also be covered. Spouse and dependent children (under 23) of Supplementary Cardmembers can also be covered. You may contact the insurer at 1-877-777-1544 in Canada or visit www.chubb.com/ca.

®,  TM : Used by Amex Bank of Canada under license from American Express 

• Jump to Accessibility
• Jump to Content

Travel insurance

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

Our Travel Insurance policies are underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.

On this page 

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.

Our policies:

• Include winter sports cover
• Include COVID-19 cover
• Have the option of cover for over 70s
• Can have cover for many pre-existing medical conditions added

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 purchase an age extension upgrade, where there will be a £75 annual premium per person aged 70 or over.

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.

You can contact us to discuss:

For new or existing customers, you can call us on:

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

What if Allianz Assistance are unable to offer me an upgrade?

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need

Telephone: 0800 138 7777 | Relay UK: 18001 0800 138 7777. Monday to Friday, 8am to 6pm | Saturday, Sunday, and Bank Holidays, closed

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.

• Platinum Travel Insurance Terms (PDF, 465 KB)
• Black Travel Insurance Terms (PDF, 406 KB)

Types of cover included with our bank accounts

Max length (per trip)

Winter sports (per trip)

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 nor 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 medical expenses cover, cancellations, baggage and more.

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.

• Only you and any joint account holder will be covered.

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. 

Or you can call us

Common questions about our travel insurance, how can i get a copy of my travel insurance policy.

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)

Do I need to register for travel insurance?

You don't need to register, you're automatically covered.

If you would like to extend your cover to include pre-existing medical conditions or are aged 70 and over, please call us. We may ask you to pay an additional premium or we may not cover your condition.

Do I need to let you know my travel plans?

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

Our fraud monitoring services 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 on the mobile app.

Steps to register your travel plans for your debit card:

• All you need to do is tap on your account from the main page and go to 'Manage my card'.
• Tap 'Going abroad' then 'Add trip' (iOS devices) or 'Register card' (Android devices) and follow the instructions on screen.

What is my travel insurance policy number?

Your 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.

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

Your policy provides cover for the following situations related to COVID-19 as long as the Foreign, Commonwealth & Development Office (FCDO) aren'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.

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.

Switch to NatWest

The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account to your new account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.

We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.

Current Account Switch Guarantee (PDF, 39KB)

A Guide to Switching Current Accounts (PDF, 3MB)

How does the Current Account Switch Service work?

Something else we can help you with?

• Accessibility statement [Accesskey '0'] Go to Accessibility statement
• Skip to Content [Accesskey 'S'] Skip to main content
• Skip to site Navigation [Accesskey 'N'] Go to Navigation
• Go to Home page [Accesskey '1'] Go to Home page
• Go to Sitemap [Accesskey '2'] Go to Sitemap
• Private Banking
• International Banking
• Lloyds Bank Logo

Everyday banking

Online services & more

How to get online

• Set up the Mobile Banking app
• Register for Internet Banking
• Log on to Internet Banking
• Reset your logon details

Mobile Banking app

• Setting up our app
• App notifications

Profile & settings

• Change your telephone number
• Change your address
• Open Banking

Card & PIN services

• View your card details
• Report your card lost or stolen
• Order a replacement card
• View your PIN
• Payments & transfers
• Daily payment limits
• Pay someone new
• Cancel a Direct Debit
• Pay in a cheque
• Send money outside the UK

Statements & transactions

• See upcoming payments
• Search transactions
• Download statements

Help & security

We're here for you

Fraud & security

• Latest scams
• Lost or stolen card
• Unrecognised transactions

Money management

• Understanding credit
• Managing someone's affairs
• Financial planning
• Personal Tax Services

Banking near you

Life events

• Buying a home
• Getting married
• Family finances
• Separation & divorce
• Bereavement

Difficult times

• Money worries
• Mental health support
• Financial abuse
• Serious illness

Customer support

• Support & wellbeing
• Banking online
• Accessibility & disability
• Banking with us
• Feedback & complaints
• Current accounts

Accounts & services

• Club Lloyds Account
• Classic Account

Silver Account

• Club Lloyds Silver Account

Platinum Account

• Club Lloyds Platinum Account
• Youth & student accounts
• Joint accounts

Travel services

• Using your card abroad
• Travel money

Features & support

• Switching to Lloyds Bank
• Everyday Offers
• Rates & charges
• Save the Change
• Current account help & guidance
• Mobile device trade in service

Already bank with us?

Existing customers

• Upgrade options
• Mobile banking

Club Lloyds

The current account with exclusive benefits. A £3 monthly fee may apply.

Cards, loans & car finance

Credit cards

• Credit card eligibility checker
• Balance transfer credit cards
• Large purchase credit cards
• Everyday spending credit cards
• World Elite Mastercard ®
• Cashback credit card
• Loan calculator
• Debt consolidation loans
• Home improvement loans
• Holiday loans
• Wedding loans

Car finance

• Car finance calculator
• Car finance options
• Car refinance
• Car leasing
• Credit cards help & guidance
• Loans help & guidance
• Car finance help & guidance
• Borrowing options

Already borrowing with us?

• Existing credit card customers
• Existing loan customers
• Existing car finance customers

Your Credit Score

Thinking about applying for credit? Check Your Credit Score for free, with no impact on your credit file.

Accounts & calculators

• First time buyer mortgages
• Moving home
• Remortgage to us
• Existing Lloyds Bank mortgage customers
• Buying to let
• Equity release

Mortgage calculators & tools

• Mortgage calculator
• Remortgage calculator
• Get an agreement in principle
• Base rate change calculator
• Overpayment calculator
• Mortgage help & guidance
• Club Lloyds offer
• Eco Home offers
• Mortgage protection

Already with us?

• Manage your mortgage
• Switch to a new deal
• Borrow more
• Switch deal & borrow more
• Help with your payments
• Learn about Home Wise
• Your interest only mortgage

Club Lloyds mortgage offer

Our Club Lloyds customers could be eligible for an exclusive discount on their initial mortgage rate.

Accounts & ISAs

Savings accounts

• Instant access savings accounts
• Fixed rate savings accounts
• Club Lloyds savings accounts
• Children's savings accounts
• Joint savings accounts
• Compare savings accounts
• Compare cash ISAs
• Help to Buy ISA
• Stocks & Shares ISA
• Investment ISA
• Savings calculator
• Save the Change®
• Savings help and guidance
• ISAs explained
• Savings interest rates

Already saving with us?

• Top up your ISA
• Transfer your ISA
• Tax on savings interest
• Your personal savings allowance
• Your ISA allowance

Club Lloyds Monthly Saver

Exclusive savings rate with our Club Lloyds current accounts.

Pensions & investments

• Compare investing options
• Share Dealing ISA
• Share Dealing Account
• Invest Wise Accounts (18 - 25 year olds)
• Ready-Made Investments

ETF Quicklist

• Introducing our ETF Quicklist
• View our ETF Quicklist

Guides and support

• Understanding investing
• Research the market
• Investing help and guidance
• Transfer your investments
• Trading Support
• ETF Academy
• Our Charges

Pensions and retirement

• Ready-Made Pension
• Combining your pensions
• Pension calculator
• Self-employed
• Pensions explained
• Top 10 pension tips
• Retirement options
• Existing Ready-Made Pension customers

Wealth management

• Is advice right for you?
• Benefits of financial advice
• Services we offer
• Cost of advice

Already investing with us?

• Log on to Share Dealing

Introducing the new Ready-Made Pension

A simple, smart and easy way to save for your retirement.

Show me how

Home, life & car

View all insurance products

Home insurance

• Get a home insurance quote
• Compare home insurance
• Buildings & contents insurance
• Contents insurance
• Buildings insurance
• Retrieve a home insurance quote
• Home insurance help & guidance
• Manage your home insurance policy

Car insurance

• Compare car insurance
• Car insurance help & guidance
• Log on to My Account to manage your car insurance

Life insurance

• Critical illness cover
• Mortgage protection insurance
• Life cover help & guidance

Other insurance

• Business insurance
• Van insurance
• Landlord insurance
• Make a home insurance claim
• Make a life insurance claim
• Make a car insurance claim

Already insured with us?

Support for existing customers

• Help with your existing home insurance
• Help with your existing life insurance
• Help with your existing car insurance

Get up to £100 cashback

Take care of what you value most, and we'll take care of you - a cashback reward with our range of insurance products: home, motor and life. T&Cs apply.

• Help & Support
• Branch Finder
• Accessibility and disability
• Search Close Close

Internet Banking

Keep me secure

• Packaged Bank Accounts
• AA Breakdown Cover

Packaged Bank Account AA Breakdown Family Cover

Different levels of AA Breakdown cover for Packaged Bank Accounts customers.

About AA Breakdown Family Cover as part of Packaged Bank Accounts

AA Breakdown Family Cover is just one of the insurance benefits that come with a  Packaged Bank Account  with us. If you have a  Select ,  Silver ,  Gold ,  Platinum , or  Premier  Account with us, subject to eligibility you will have a certain level of Breakdown Cover available to you and eligible family members (different accounts have different levels; see below for details).

If you've broken down

Simply call the number of your account:

• Select Account:  0800 328 8700
• Silver Account:  0800 316 0096
• Gold Account:  0800 107 0011
• Platinum Account:  0800 783 0543
• Premier Account:  0800 032 0371

For account holders, you will be asked for your membership number. This is your sort code and account number. You will need to show your Visa debit card when your AA patrol arrives.

Family members will need to provide the account holder's full name, address and postcode. They will need to show a form of identification when the AA patrol arrives.

What levels of Breakdown Family Cover are available?

Breakdown Family Cover comes with certain services and levels. These may include:

• Roadside Assistance: At the roadside if a vehicle you or your eligible family members are travelling in has broken down. If the vehicle can’t be fixed at the roadside, you or your eligible family member will be taken to the AA’s choice of relevant local repairer or local destination of choice, provided it is no further.
• At Home: If you or your eligible family member’s vehicle does not start within a quarter of a mile of your home address.
• National Recovery: If the vehicle cannot be fixed at the roadside, the AA will provide recovery for the covered person and up to seven passengers to any single location of your choice in the UK.
• Onward Travel: If a repair on the vehicle isn’t possible, you or your eligible family members will get a replacement hire car for up to 72 hours, overnight accommodation, or reasonable onward travel expenses.

Breakdown Family Cover inclusions by account

Tip: use the scroll bar below to slide between the different accounts..

• Family Cover
• Roadside Assistance
• Available to new customers
• National Recovery

Select Account

• Unavailable to new customers

Gold Account

Premier account.

• Onward Travel

Emergencies and phone numbers you can call expandable section

If you’ve a hearing or speech impairment

You can contact the AA via:

• AA SMS service:  07900 444 999

If you want any other help or information

Feel free to call us if you have any questions about your account.

• Select Account: 0345 716 1116
• Silver Account: 0345 603 1839
• Gold Account: 0345 850 5056
• Platinum Account: 0345 850 5300
• Premier Account: 0345 604 0440

Lines are open 24/7.  Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

Policy documents expandable section

• Select Account Welcome Pack opens in a new tab (pdf, 412.1 KB)
• Silver Account Welcome Pack opens in a new tab (pdf, 2.1 MB)
• Gold Account Welcome Pack opens in a new tab (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new tab (pdf, 2.6 MB)
• Premier Account Welcome Pack opens in a new tab (pdf, 1.4 MB)

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel insurance

Mobile Phone insurance

Existing customer?

Manage your account  Find out how to manage your account, from reporting a card lost or stolen to things you can do online

Upgrade now  Want to upgrade your existing account? Why not take a look at the other accounts we offer

Change account  Change an existing current account with us by logging in

Help and guidance  Useful guides on how to use our secure Mobile Banking app and Internet Banking services

Financial Services Compensation Scheme

• Financial Services Compensation Scheme Financial Services Compensation Scheme

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278.

We may monitor or record telephone calls to check out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.