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A current account with extra benefits

To apply, you must be 18+ and a Jersey, Guernsey, Gibraltar or Isle of Man resident. Applicants from Gibraltar must be an existing customer. £18 monthly fee.

For a monthly fee of £18, get more with Gold.

  • Arranged overdraft with preferential rates. Subject to status
  • Credit interest on current account balances
  • Travel insurance for you and your family, including winter sports cover
  • 24/7 dedicated concierge service helping you make the most of your valuable free time
  • Private Motor Excess Insurance and car rental loss damage waiver insurance

Why choose a Gold account?

Travel insurance in detail.

One of the primary Gold benefits is the travel insurance. The built in travel insurance offers comprehensive cover when travelling and includes winter sports cover.

If you experience difficulties while abroad, you have access to 24/7 emergency medical assistance. Wherever you are in the world, one simple phone call will provide you with instant help and support, day or night.

  • Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). 
  • Children must be living at the home address (or with the other parent), and be neither married or in a civil partnership.
  • Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

Review our insurance guides

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our  frequently asked questions (opens in a new window) .

Emergency medical assistance and claims

If you are injured or ill while you are away, please contact us on:

020 8763 3040

Call +44 (0) 20 8763 3040 from abroad

Using Relay UK? Call 18001 020 8763 3040

email: [email protected]

Lines are open 24 hours a day, 365 days a year

Non-emergency claims

For non-emergency claims, please contact us on:

023 9267 6060

Call +44 (0) 23 9267 6060 from abroad

Using Relay UK? Call 18001 023 9267 6060

email: [email protected]

Lines are open 9am to 5pm, Monday to Friday

Only available to Gold account customers. Gold travel insurance is underwritten by AWP P&C SA and administered in the UK by Allianz Global Assistance.

What the concierge service offers

NatWest International has teamed up with Ten, a leading lifestyle management company to bring Gold account customers a 24/7 concierge service.

Our members enjoy a whole host of exclusive dining, travel, entertainment and retail benefits that have been negotiated with world-leading brands by our team of specialists.

  • Unlimited dining, travel and ticket requests
  • Savings on flights departing from the UK with Ten’s partnered airlines including various long-haul destination flights with British Airways.
  • Access to the experts at Ten concierge

How to get started with Ten

Call or email Gold membership services on:

+44 (0) 2392 676060

email: [email protected]

When emailing Ten concierge, please remember to include your full name and details of how they can help you.

Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm. If you’re calling outside of these hours, please call 0207 479 3447.

Private Motor Excess Insurance

The insurance works alongside your existing car insurance. It covers the cost of your excess if you have to make an ‘at fault’ claim where the damage to your vehicle is greater than your excess limit. Should you need to make a claim on your car insurance, you pay your excess as normal and then claim it back. Cover is available for persons who own and insure their private motor vehicle. £3,000 is the limit under the policy.

To notify the insurer of a claim:

Policy number: NWI - PME

Membership Services:  02392 676060 Monday to Friday 9:00am - 5:00pm

email:  [email protected]

You must give all information or help that you are asked for. Further details of how to claim are included in the policy document.

Car Rental Loss Damage Waiver Insurance

£50,000 (or equivalent in local currency incurred as a result of damage, fire, vandalism, theft of use of the rental vehicle. £20 per day (up to a maximum of £200) if the car rental is cancelled or cut short on the advice of a physician. £200 to pay for drop-off charges incurred through the car rental station following an accident or illness. £50 for calling out a locksmith if a named beneficiary unintentionally locks their keys in the rental vehicle.

Policy Number: NWI - LDW

Membership Services:  02392 676060 Monday to Friday 9:00am – 5:00pm

This insurance provides cover for rental periods of up to 31 days. Cover is available for persons aged 21 to 84, at the time when the car rental booking is made.

Only available to Gold account customers. Private Motor Excess Insurance and Car Rental Loss Damage Waiver Insurance provided by AWP P&C SA and administered in the UK by Allianz Global Assistance.

Switch your account to us

The Current Account Switch Service makes switching from one bank or building society to another simple and stress-free. You can choose a switch date to suit you, just make sure you allow a minimum of 7 working days.

The Current Account Switch Service is not available for accounts held in Gibraltar.

Day to day banking from your screen

natwest travel insurance upgrade

Online banking

Online banking is a fast and secure way to manage your everyday finances with features including:

  • Make sterling & international payments
  • Manage your Direct Debits and standing orders
  • Create text alerts and more

Online banking available to customers aged 11+ with a NatWest International account.

natwest travel insurance upgrade

Banking has never been so convenient with our simple mobile banking app.

  • Get cash without your debit card
  • Transfer money and make payments
  • Find your nearest branch or cash machine and more

App available to customers aged 11+ with compatible iOS and Android devices and a Channel Islands, Isle of Man, UK or international mobile number in  specific countries .

Help with your Gold account

How has the coronavirus (covid-19) pandemic affected the gold travel insurance.

Working with our Travel Insurer provider Allianz we have made improvements to your travel insurance cover for claims arising from epidemic or pandemic diseases.

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our  frequently asked questions .

Who can I contact about a claim on the Gold travel insurance?

Policy Number: TRVNGOLD

Key information about your Gold travel insurance (PDF, 59 KB)

020 8763 3040 Call +44 (0) 20 8763 3040 from abroad

How do I get Concierge assistance?

Email Ten concierge: [email protected]

Call our Membership Services:  +44 (0) 2392 676060

Lines open Monday to Friday 8am to 8pm, Saturday 9am to 5pm.

If you’re calling outside of these hours, please call 0207 479 3447 .

How do I make a claim on the Private Motor Excess Insurance or Car Rental Loss Damage Waiver Insurance?

Membership Services:  02392 676060 Monday to Friday 9:00am – 5:00pm

Membership Services:   02392 676060 Monday to Friday 9:00am – 5:00pm

Ready to apply?

Before you apply, we've outlined the eligibility for the account below, along with our terms and conditions so you can make sure it's the right account for you.

You can apply for a Gold account if you are:

  • permanently resident in Jersey, Guernsey, Gibraltar or the Isle of Man, and;
  • applicants from Gibraltar must also be an existing customer.

Please review our important information about the account

  • Fee information document for Gold (PDF, 161 KB)
  • Current account interest rates (PDF, 54 KB)

Insurance product information for our Gold account

  • Insurance product information (PDF, 211 KB)
  • What you need to know about the insurance cover (PDF, 56 KB)
  • Key information about Gold travel insurance (PDF, 58 KB)
  • Private excess motor insurance & car rental loss damage waiver guide (PDF, 188 KB)
  • Travel insurance guide (PDF, 304 KB)

How your information might be used

It's important for you to understand how we use and share your information. Please read this short summary  before you continue with your application.

Let's get started...

To speed up your application, we need to run through some quick questions with you. They'll only take a few minutes.

Start your application now

Just a heads up - we'll ask you to log in to your Online Banking at the next step.

Get your online application started by clicking 'Start your application' below.  The full name you put on this form must exactly match the one on the photo ID you'll use to apply.

After you’ve finished your online application you’ll receive an email or secure inbox message within 2 working days asking you to:

  • Complete our Customer Acceptance form, and;
  • Upload your identity documents digitally.

Once we have everything, we’ll open your account and send your new account details to you within 5 working days.

Great, you're ready to apply

The first step in your application will be completed online. If approved, we’ll send you an application pack in the post within 18-21 working days.

The pack will contain an application form that you should read, sign and return along with any documents we need to confirm your:

  • address & identity

Once we have everything, we’ll open your account and send your new account details to you.

Your application will be completed online. Make sure the full name you put on this form exactly matches the one on the photo ID you’ll use to apply. Once approved, we’ll send you an application pack in the post within 18-21 working days.

  • address & identity. 

Applying for an account with us

We’re sorry – at this time we’re currently not opening accounts for new customers located in Gibraltar. 

This account is currently only available to applicants located in Jersey, Guernsey, Isle of Man or Gibraltar. 

Our International Personal Banking service is available to customers that meet our minimum age, residency, balance and/or deposit requirements.

Find out more about International Personal Banking

HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » Natwest Travel Insurance

Natwest Travel Insurance Review and Quotes

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

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Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Natwest is the right company to go on holidays with?

In this definitive Natwest review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Natwest the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Natwest travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,2 Safe overall rating for Natwest

Natwest travel insurance reviews by expert and consumers

To check if Natwest is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Natwest travel insurance cover?

Natwest travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

NatWest's Travel Insurance Policies are available for individuals, couples and families.

Natwest single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Natwest:

Natwest winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is available as standard and it comes with the following benefits:

  • Up to £400 ski equipment cover
  • Up to £250 ski pack cover.

What are the other travel insurance options available at Natwest?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Natwest before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Natwest travel insurance?

You'll find below indicative quotes per level of cover at Natwest:

It is, however, quite difficult to give precise price ranges as Natwest travel insurance policy quotes will depend on a range of factors such as:

  • Your age at the time of travelling
  • The length of your stay
  • Your trip destination (Europe, North America, Worldwide)
  • The period you wish to be covered for (single trip, annual multi-trip, extension)
  • If you need specific insurance (cruise, ski, backpackers, gadget cover)
  • Your medical condition before travelling
  • Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Natwest?

There are no discounts mentioned on the website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Natwest.

What else should I know about Natwest travel insurance?

What are the general exclusions at natwest travel insurance.

To be eligible for the travel insurance policy at NatWest:

  • You have to have a valid bank account with them
  • You have to be under the age of 70 years unless you buy an age extension
  • You must be transparent about any pre-existing medical conditions
  • You must have already planned on a return date from your trip.

How do I get travel insurance quote from Natwest?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Natwest is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Natwest website?

Through the customer portal, you can view every benefit that comes with your account. You can log in to your account through this log in page

How to claim at Natwest travel insurance?

There are 2 ways to make a claim and that is either online or through a phone call.

How do I contact Natwest travel insurance?

Natwest contact phone numbers, natwest other contact details, how to cancel your annual natwest travel insurance policy.

You will find below main information to cancel your travel insurance policy at Natwest:

Allianz Partners appointed by NatWest Group as travel insurance provider

Allianz Partners has been appointed by NatWest Group as travel insurance provider to their packaged bank account customers.  The partnership spans NatWest Group’s wider family of banking brands including NatWest, Royal Bank of Scotland and Ulster Bank. Customers will have access to Allianz Partner’s travel insurance from February 2024.

The deal is a strategic partnership arising from Allianz Partners’ successful track record partnering with Coutts, RBS International and Isle of Man Bank, all part of NatWest Group. Allianz Partners has worked with Coutts since 2018, providing travel peace of mind to its high net worth clients.

As its packaged bank account travel insurance provider, Allianz Partners will leverage its digital offering to provide NatWest Group’s customers with access to a range of online services through the Allianz Assistance hub. The hub, which will be integrated with the bank’s own online banking app, will enable customers  to manage their insurance, purchase additional cover, request assistance and track claims.

Marcus Latchford, Chief Sales and Distribution Officer, Allianz Partners UK and Ireland, commented: “Our partnership with NatWest Group is thanks to the excellent foundation we have developed over the past five years working with Coutts and other parts of the business. We’re delighted that we are able to extend the partnership to cover the whole Group.”

He continued: “Our digital innovation combined with the ‘human touch’ has enabled us to broaden our share of the UK travel insurance market and this collaboration exemplifies our customer focus and commitment to provide exceptional insurance products and services, embedded within our business partners’ products. We look forward to delivering peace of mind to NatWest Group’s customers.”

Barry Connolly, Managing Director of Every Day Banking NatWest Group, commented: "Travel insurance is one of the benefits that our packaged account customers tell us they value the most, and we're really pleased to be working with a global, long-standing trusted partner to enhance the experience customers have when taking the product and tracking their claims, giving them greater peace of mind ."

Allianz Partners’ travel insurance for NatWest Group customers will be available from February 2024.

InsureandGo

Freephone our UK Team

0800 072 6778

Sales & Service

Monday to Friday: 8:30am to 8pm Saturday: 9am to 5:30pm Sunday: 10am to 5:00pm

Monday to Friday: 9am to 7pm Saturday: 9am to 5:30pm

Travel Insurance

Medical travel insurance, seniors travel insurance, europe travel insurance, worldwide travel insurance, coronavirus travel insurance, insureandgo.

  • Unlimited medical emergency expenses¹
  • Up to £10K cancellation cover
  • 24/7 emergency medical helpline

natwest travel insurance upgrade

Covered 27 million+ travellers

Trusted for 20+ years

24/7 emergency helpline

Compare InsureandGo with NatWest travel insurance

We might not be  NatWest  but, if you’re looking for travel insurance, we still think we can help you.

We’ve tried to make holiday insurance sound exciting in the past but it doesn’t work. So now, we just focus on making it as quick and as simple to get covered.

And because we’ve specialised in providing  travel insurance  for over 10 years, the cover you’ll get is comprehensive and you can rest assured that we know what we’re doing. Get covered now so you can get back to thinking about your holiday!

  • Unlimited emergency medical expenses available on Black level policies.
  • Based on 2,050 responses, correct as of 22/01/2024

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Natwest travel insurance: protecting you and your travels.

NatWest Travel Insurance

Travel insurance is necessary when you are planning a trip abroad. It provides you protection against unforeseen scenarios and losses you might suffer on a trip and give you the financial means to deal with it. If you are looking for reliable, comprehensive and affordable travel insurance, then NatWest Travel Insurance is a popular option. In this blog, we’ll cover what NatWest Travel Insurance, what coverages and policies it provides, and most importantly, if it’s the right travel insurance provider for you. 

What is NatWest travel insurance?

NatWest Travel Insurance is a product offered by NatWest, a popular UK-based bank that offers a variety of financial services to customers. Like most leading travel insurance, NatWest travel insurance is designed to protect policyholders against unexpected events that might occur during a trip or a holiday. 

Travel insurance by NatWest can be bought as a part of their packaged bank account. The company offers a range of covers, including single-trip, annual multi-trip, backpacker, and winter sports. Read on to find out about these covers in detail and how you can get NatWest travel insurance as a part of their packaged bank account. 

Covers offered by NatWest travel insurance

NatWest offers a range of travel insurance covers to suit the diverse travel needs and budgets of its customers. Here are the main types of coverages that you can avail from NatWest: 

NatWest Single-Trip Travel Insurance

NatWest’s Single-Trip Travel Insurance is for those who travel less and far in between. The policy covers a single trip, usually up to 90 days in duration. The policy covers medical expenses, cancellation, personal liability, baggage loss, and travel delays. 

NatWest Annual Multi-Trip Insurance

NatWest’s Annual Multi-Trip Insurance is for those who frequently travel throughout the year. This is a cost-effective way of securing your travels, where you buy a collective plan instead of paying for each trip separately. This policy covers an unlimited number of trips during the year. Your trip duration can be up to 31-45 days at the maximum, depending on the policy you choose. 

NatWest Backpacker Travel Insurance

If you are taking a gap year or want to travel for an extended period of time, then this cover will be the right choice for you. Whether you are taking a gap year or on a mission to travel around the world, NatWest will tailor the policy to your needs. The policy cover trips for up to 18 months, where you can avail protection against medical emergencies, trip cancellations and personal liability. 

NatWest Winter Sports Travel Insurance

Winter sports like skiing and snowboarding are popular amongst travellers. They are not only exhilarating but also bring you one of a kind experience. If you are planning on participating in this excitement on your next trip, then NatWest’s Winter Sports Travel Insurance is meant for you. This policy offers you additional coverage for winter sports equipment, ski passes and piste closure.

NatWest Bank Accounts for travel insurance

NatWest offers three types of bank accounts: Silver, Platinum and black. Each of these accounts comes with travel insurance coverage as well as additional benefits such as mobile insurance, car breakdown coverage and airport lounge access. Find the details of the travel insurance cover under each account below. 

1. NatWest Silver Travel Insurance

The NatWest Silver account comes with Silver travel insurance which provides cover for the usual, including cancellation or cutting off your trip earlier than planned and medical emergencies and treatment. For medical expenses, you can get up to £10 million in cover, and for cancellations and curtailment, you can get up to £5,000. You can also avail of additional benefits for an added cost like baggage loss or travel delay.

As we mentioned earlier, you can also get a mobile phone cover of up to £1,500 for repair or replacement. Another cover that the NatWest Silver account provides is the car breakdown cover that includes roadside assistance and recovery in the UK & Europe. 

2. NatWest Platinum Travel Insurance

The NatWest Platinum account comes with Platinum travel insurance but with higher levels of coverage for medical expenses, cancellations and curtailments. The policy includes up to £10 million for medical expenses and £10,000 for cancellations. The policy also includes a cover of up to £2 million for personal liability and £50,000 for personal accidents. 

Coming to mobile insurance, which covers loss, theft or accidental damage, you can avail of up to £2,000. Like the Silver account, you will receive car breakdown cover and additional lifestyle benefits like discounts on travel and entertainment. 

3. NatWest Black Travel Insurance

The NatWest Black account comes with Black travel insurance with the highest levels of coverage for medical expenses, cancellations and curtailments. The policy includes up to £15 million for medical expenses and £20,000 for cancellations. As for the cover for personal liability and personal accidents, you will get up to £2 million and £100,000, respectively. 

The mobile phone cover is also more in NatWest Black travel insurance, summing up to £2,500. As a standard, this policy, too, includes car breakdown cover along with other benefits like airport lounge access and discounts on travel and entertainment. 

NatWest is a premium travel insurance provider that offers comprehensive policies and covers, leaving no stone unturned. The level of coverage and benefit you receive will depend on which cover you have invested in. Before you sign up for any of their covers, make sure to read the fine print carefully so that you are not blindsided. For more information on travel insurance, visit Tripcoloumn. 

Do I need to register for travel insurance?

NatWest account owners don’t have to register for travel insurance as they are already covered. If you want to extend your cover to include pre-existing medical conditions, then connect with NatWest’s support team, as that might require some additional costings. 

Do I need to inform NatWest about my travel plans? 

No, you don’t have to inform NatWest about your travelling plans. If you have one of their bank accounts – Silver, Platinum, or Black, then you are already covered by your travel insurance. 

How can I make a claim?

To make a claim for your NatWest travel insurance, you can log in to Membership Services and complete the online form. This is where you can manage all your account details. You can also call the NatWest support team for further assistance. 

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NatWest chooses Allianz Partners as its travel insurance provider

Allianz Partners and NatWest Group have extended their work together.

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Allianz Partners has been appointed by NatWest Group as travel insurance provider to their packaged bank account customers.

The partnership between NatWest and Allianz spans the group’s wider family of brands, including RBS and Ulster Bank. Access will begin from February 2024.

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Natwest group plc, coutts & co.

This follows Allianz Partners’ successful work with Coutts , RBS International and Isle of Man Bank, all part of NatWest Group.

Marcus Latchford, chief sales and distribution office, Allianz Partners UK and Ireland, said: “Our partnership with NatWest Group is thanks to the excellent foundation we have developed over the past five years working with Coutts and other parts of the business. We’re delighted that we are able to extend the partnership to cover the whole Group.”

He continued: “Our digital innovation combined with the ‘human touch’ has enabled us to broaden our share of the UK travel insurance market and this collaboration exemplifies our customer focus and commitment to provide exceptional insurance products and services, embedded within our business partners’ products. We look forward to delivering peace of mind to NatWest Group’s customers.”

Barry Connolly, managing director of Every Day Banking NatWest Group, commented: “Travel insurance is one of the benefits that our packaged account customers tell us they value the most, and we’re really pleased to be working with a global, long-standing trusted partner to enhance the experience customers have when taking out the product and tracking their claims, giving them greater peace of mind.”

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Allianz  UK has also developed an artificial intelligence (AI) t ool to combat fraudulent insurance claims.

Called Incognito, the tool was developed in partnership with specialists from Allianz UK’s operations.

The AI-powered tool flags possibly fraudulent claims, which are submitted to a fraud specialist for thorough analysis and investigation.

Allianz UK said that Incognito has saved the company £1.7m since its creation, and an additional £3.4m is being held in claim reserves while the investigations are still ongoing.

The insurer claims that application fraud savings have risen by 150% in comparison with year-to-date forecasts.

It attributed the surge in fraud cases to a number of factors including the cost-of-living crisis, a weakened economy and the economic downturn.

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How can I get a copy of my travel insurance policy?

You can get a copy of your travel insurance terms, which include your policy, here or by calling us:

Silver - Download a copy of your Silver Travel Insurance Terms (PDF 167KB) .

Platinum - Download a copy of your Platinum Travel Insurance Terms (PDF 316KB)

Black - Download a copy of your Black Account Travel Insurance Terms (PDF 296KB)

Select Silver / Reward Silver : 0345 601 5219 (Relay UK 18001 0345 601 5219 ) Overseas: +44 1252 308 792 Select Platinum / Reward Platinum : 0345 609 0453 (Relay UK 18001 0345 609 0453) Overseas: +44 1252 763 658 Black / Reward Black : 0345 6017 188 (Relay UK 18001 0345 6017 188) Overseas: +44 1252 308 794

To find out more or to use your benefits visit the Silver(opens in a new window) , Platinum(opens in a new window) or Black(opens in a new window) account page.

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  • Saturday 13 April 2024 / 11:56

natwest travel insurance upgrade

Allianz Partners Appointed by NatWest Group as Travel Insurance Provider

  • 23.01.2024 11:30 am

Allianz Partners Appointed by NatWest Group as Travel Insurance Provider

Allianz Partners has been appointed by NatWest Group as a travel insurance provider to their packaged bank account customers.  The partnership spans NatWest Group’s wider family of banking brands including NatWest, Royal Bank of Scotland, and Ulster Bank. Customers will have access to Allianz Partner’s travel insurance from February 2024.

The deal is a strategic partnership arising from Allianz Partners’ successful track record partnering with Coutts, RBS International, and Isle of Man Bank, all part of NatWest Group. Allianz Partners has worked with Coutts since 2018, providing travel peace of mind to its high-net-worth clients.

As its packaged bank account travel insurance provider, Allianz Partners will leverage its digital offering to provide NatWest Group’s customers with access to a range of online services through the Allianz Assistance hub. The hub, which will be integrated with the bank’s own online banking app, will enable customers to manage their insurance, purchase additional cover, request assistance, and track claims.

Marcus Latchford, Chief Sales and Distribution Officer, Allianz Partners UK, and Ireland, commented: “Our partnership with NatWest Group is thanks to the excellent foundation we have developed over the past five years working with Coutts and other parts of the business. We’re delighted that we can extend the partnership to cover the whole Group.” He continued: “Our digital innovation combined with the ‘human touch’ has enabled us to broaden our share of the UK travel insurance market and this collaboration exemplifies our customer focus and commitment to provide exceptional insurance products and services, embedded within our business partners’ products. We look forward to delivering peace of mind to NatWest Group’s customers.”
Barry Connolly, Managing Director of Every Day Banking NatWest Group, commented: "Travel insurance is one of the benefits that our packaged account customers tell us they value the most, and we're really pleased to be working with a global, long-standing trusted partner to enhance the experience customers have when taking the product and tracking their claims, giving them greater peace of mind."

Allianz Partners’ travel insurance for NatWest Group customers will be available from February 2024.

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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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Editorial Note: Blueprint may earn a commission from affiliate partner links featured here on our site. This commission does not influence our editors' opinions or evaluations. Please view our full advertiser disclosure policy .

WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

  • 1,855 coverage details evaluated.
  • 567 rates reviewed.
  • 5 levels of fact-checking.

Best cheap travel insurance

WorldTrips

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

  • Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
  • Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

  • Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
  • Atlas Journey Premier offers $150,000 in primary medical coverage.
  • Both plans have top-notch $1 million per person in medical evacuation coverage.
  • Each plan offers travel inconvenience coverage of $750 per person.
  • 12 optional upgrades, including destination wedding and rental car damage and theft.
  • No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Travel Insured

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

  • Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
  • Cheap trip insurance for cruises.
  • Offers a rare $150,000 for non-medical evacuation.
  • $500 per person baggage delay benefit only requires a 3-hour delay.
  • Optional rental car damage benefit up to $50,000.
  • Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

  • Free coverage for children 17 and under on the same policy.
  • $2,000 travel delay coverage per person ($250 per day) after 5 hours.
  • Hurricane and weather coverage after a common carrier delay of any amount of time.
  • Only $50,000 per person emergency medical coverage.
  • Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Nationwide

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

  • Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
  • Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
  • Non-medical evacuation benefit of $25,000 per person.
  • Baggage loss benefits of $2,500 per person.
  • Travel medical coverage is secondary.
  • Trip cancellation benefit for losing your job requires three years of continuous employment.
  • No “cancel for any reason” (CFAR) upgrade available.
  • Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

  • Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
  • Bundle upgrades allow you to customize your affordable travel insurance policy.
  • Emergency medical and evacuation limits can be doubled with optional upgrade.
  • Base travel insurance policy has relatively low medical limits.
  • $300 baggage delay benefit requires a 12-hour delay.
  • Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

  • Best-in-class $2,500 per person in missed connection coverage.
  • $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
  • Generous $2,500 per person baggage and personal items loss benefit.
  • Most expensive of the best cheap travel insurance plans.
  • No “interruption for any reason” coverage available.
  • Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

Travel Insured

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

  • Age and number of travelers being insured.
  • Trip length.
  • Total trip cost.
  • The travel insurance plan you choose.
  • The travel insurance company.
  • Any add-ons, features or upgraded benefits you include in the travel insurance plan.
Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

  • Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
  • Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

  • Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
  • Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
  • Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
  • Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

  • How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
  • Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
  • The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

  • Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
  • Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
  • Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
  • Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
  • Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
  • “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
  • Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
  • Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
  • Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

  • Medical emergencies.
  • Trip delays.
  • Trip interruption.
  • Trip cancellation.
  • Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

  • Rental car damage coverage. 
  • Medical bundle.
  • Security bundle.
  • Accidental death and dismemberment coverage.
  • Adventure sports bundle.
  • Pet bundle.
  • Wedding bundle.
  • “Cancel for work reasons” coverage.
  • “Interruption for any reason” (IFAR) coverage.
  • “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy Sleight

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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IMAGES

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  4. Certificate of Advantage Gold Travel Insurance

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  5. Platinum Travel Insurance Policy

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  6. Review of NatWest Platinum Travel Insurance

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COMMENTS

  1. 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.

  2. Reward Black account travel benefits

    The Travel Service team are still available to support existing bookings, and you can continue to manage your booking, including making a payment, online. Visit Membership Services or call us on 0345 601 7188 (Relay UK 18001 0345 601 7188) Lines are open 8am-8.30pm Monday to Friday; 8am-6pm Saturday, Sunday and Public Holidays; closed on 25th ...

  3. Upgrade Your Account

    Travel Insurance Guide. For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our frequently asked questions. Emergency medical assistance and claims. If you are injured or ill while you are away, please contact us on: Emergency Assistance Service: 020 8763 3040 From abroad: +44 (0) 20 8763 ...

  4. PDF Plat˙num Travel Insurance Terms

    The most we will pay for each insured person is: Emergency Medical Costs and Related Costs outside your home area: £10,000,000 overall limit. £1,000 for emergency dental treatment for emergency pain relief. £7,500 for costs of your funeral, cremation or returning your body or ashes to your home.

  5. Frequently Asked Questions

    Frequently Asked Questions. Our customer services and claims handling teams have listened to your feedback and used their knowledge to put together a list of answers to your most frequently asked questions. The frequently asked questions do not replace the terms and conditions of the policy. If you're still unsure or can't find what you're ...

  6. Gold Account

    Our Gold account is a current account with travel insurance, protection for hiring a car, and even a concierge service to book your next holiday. ... email: [email protected]. Lines are open 9am to 5pm, Monday to Friday. Only available to Gold account customers. Gold travel insurance is underwritten by AWP P&C SA and ...

  7. NatWest Membership Services

    Enjoy exclusive benefits with NatWest accounts, such as cashback, travel insurance, and discounts at selected retailers. Find out more online.

  8. Natwest Travel Insurance Review and Quotes

    Black: 5. TrustPilot. 1,4/5 based on more than 2K opinions. Consumer satisfaction rates on reviews for Natwest holiday insurance. To check if Natwest is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free ...

  9. Allianz Partners appointed by NatWest Group as travel insurance provider

    With NatWest Group on board, Allianz Partners becomes the largest travel insurer in the UK¹. Allianz Partners has been appointed by NatWest Group as travel insurance provider to their packaged bank account customers. The partnership spans NatWest Group's wider family of banking brands including NatWest, Royal Bank of Scotland and Ulster Bank.

  10. Compare Our Cheap Travel Insurance With NatWest

    Get quote online. OR. Call 0800 072 6778. TrustScore 4.8. 62,024 reviews. Covered 27 million+ travellers. Trusted for 20+ years. 24/7 emergency helpline. Home Travel Insurance Compare travel insurance NatWest travel insurance.

  11. NatWest Travel Insurance- Protect Your Journey Today

    The NatWest Silver account comes with Silver travel insurance which provides cover for the usual, including cancellation or cutting off your trip earlier than planned and medical emergencies and treatment. For medical expenses, you can get up to £10 million in cover, and for cancellations and curtailment, you can get up to £5,000.

  12. Contact Us

    Phone: UK: 0300 123 9123 or 0800 023 4567. Abroad: +44 20 7964 0500. Writing to: Financial Ombudsman Service. Exchange Tower. London. E14 9SR. Their website also has a great deal of useful information: www.financial-ombudsman.org.uk.

  13. NatWest chooses Allianz Partners as its travel insurance provider

    Allianz Partners has been appointed by NatWest Group as travel insurance provider to their packaged bank account customers.. The partnership between NatWest and Allianz spans the group's wider family of brands, including RBS and Ulster Bank. Access will begin from February 2024.

  14. Allianz Partners appointed by NatWest Group as travel insurance provider

    Share this post: Allianz Partners has been appointed by NatWest Group as travel insurance provider to their packaged bank account customers. The partnership spans NatWest Group's wider family of banking brands including NatWest, Royal Bank of Scotland and Ulster Bank. Customers will have access to Allianz Partner's travel insurance from ...

  15. NatWest

    NatWest travel insurance customers: Tap the images below for answers to the top questions you're asking about travel cancellations due to coronavirus and future travel. Did you know you can make a...

  16. NatWest travel insurance

    I had a claim on NatWest travel insurance in the Summer, following a fall while on holiday. They were actually very good, both while I was still abroad and once I had come home. And this is one of the key reasons why TrustPilot reviews etc on insurance companies are all over the place. NoodleDoodleMan Posts: 3,300 Forumite.

  17. How can I get a copy of my travel insurance policy?

    Black - Download a copy of your Black Account Travel Insurance Terms (PDF 296KB) Select Silver / Reward Silver: 0345 601 5219 (Relay UK 18001 0345 601 5219) Overseas: +44 1252 308 792. Select Platinum / Reward Platinum: 0345 609 0453 (Relay UK 18001 0345 609 0453) Overseas: +44 1252 763 658.

  18. Allianz Partners Appointed by NatWest Group as Travel Insurance

    Allianz Partners has been appointed by NatWest Group as a travel insurance provider to their packaged bank account customers. The partnership spans NatWest Group's wider family of banking brands including NatWest, Royal Bank of Scotland, and Ulster Bank. Customers will have access to Allianz Partner's travel insurance from February 2024. The deal is a strategic partnership arising from ...

  19. Best Cheap Travel Insurance of April 2024

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