The NatWest Travel insurance products offered by NatWest are underwritten by a number of different insurance companies, including U K Insurance Limited and AIG.
The cost of insurance with NatWest will vary depending on the product you choose, your age, your circumstances, and the level of cover you need.
What Is Covered By NatWest Travel Insurance?
The exact benefits covered by NatWest Travel Insurance will vary depending on the level of insurance you choose. However, some of the benefits that are typically covered include:
- Cancelling your trip: If you have to cancel your trip due to an insured reason, such as illness, you may be able to claim a refund for your non-refundable travel expenses.
- Medical expenses: If you need medical treatment while you are travelling, you may be able to claim for the cost of treatment, including doctor’s fees, hospital bills, and ambulance costs.
- Baggage loss or delay: If your baggage is lost or delayed, you may be able to claim for the cost of replacing your belongings.
- Flight cancellations or delays: If your flight is cancelled or delayed, you may be able to claim for the cost of alternative travel arrangements.
- Personal liability: If you are sued for negligence while you are travelling, you may be able to claim for the cost of defending yourself.
- Emergency travel assistance: This benefit provides you with 24/7 support if you need help while you are travelling, such as if you lose your passport or need medical assistance.
- Winter sports cover: This benefit covers you for activities such as skiing and snowboarding, which are often excluded from standard travel insurance policies.
It is important to note that there are some exclusions from cover, such as pre-existing medical conditions and war or terrorism. You should read the full terms and conditions carefully before taking out a policy.
Here are some additional things to keep in mind about what is covered by NatWest Travel Insurance:
- The level of cover will vary depending on the level of insurance you choose.
- The benefits may be subject to an excess, which is the amount you will have to pay towards a claim.
- The benefits may be limited in some cases, such as if you are travelling to certain countries or if you are participating in certain activities.
Who Is Covered By NatWest Travel insurance?
Similar to HSBC Travel Insurance Premier, The people covered by NatWest Travel Insurance depends on the level of insurance you choose.
- Reward Silver: This covers you and any joint account holders when you’re on holiday in Europe.
- Reward Platinum: This covers you, your partner and any dependent children under 18 (or under 23 if in full-time education) at the start of the journey.
- Premier Reward Black: This covers you, your partner and any dependent children under 18 (or under 23 if in full-time education) at the start of the journey.
Dependent children must be:
- Under 18 at the start date of the journey (or under 23 and in full-time education).
- Living at the home address (or with the other parent).
- Unmarried and not entered into a civil partnership.
If you are travelling with someone who is not covered by your policy, you may be able to add them as an additional policyholder. However, this will usually involve an additional charge.
You can find more information about who is covered by NatWest Travel Insurance on the NatWest website.
Here are some additional things to keep in mind about who is covered by NatWest Travel Insurance:
- You must be an existing NatWest current account customer to take out a policy.
- You must be over 18 years old to take out a policy.
- There are some exclusions from cover, such as pre-existing medical conditions.
- You should read the terms and conditions carefully before taking out a policy.
When Does NatWest Travel Insurance Start And End?
The start date of your NatWest Travel insurance is the day you leave home to start your outward journey. The end date is the day you return home from your trip.
For example, if you are traveling from London to New York on a round-trip flight, the start date of your insurance would be the day you leave London and the end date would be the day you return to London.
It is important to note that the start date and end date of your insurance must be within the policy period.
The policy period is the length of time for which your insurance is valid. You can find the policy period in the terms and conditions of your policy.
If you are unsure about when your NatWest Travel insurance starts and ends, you should contact the insurer.
Here are some additional things to keep in mind about the start and end dates of your NatWest Travel insurance:
- The start date and end date must be within the policy period.
- The start date and end date cannot be changed once the policy is in force.
- If you change your travel plans, you may need to update your insurance.
- You should contact the insurer as soon as possible if you need to change your travel plans.
How To Make A Claim On NatWest Travel Insurance?
To make a claim on your NatWest Travel Insurance, you can follow these steps:
1. Gather all the necessary documentation. This will vary depending on the type of claim you are making, but it may include:
- Your policy number
- The date of your trip
- The reason for your claim
- Any supporting documentation, such as medical bills or reciepts.
2. Contact the insurer. You can do this by calling 0345 601 7188 or +44 2392 660 340.
3. Complete the claim form. The insurer will provide you with a claim form to complete.
4. Send the claim form to the insurer. You can do this by post or by email.
The insurer will then assess your claim and decide whether to pay out.
Here are some additional things to keep in mind when making a claim on your NatWest Travel Insurance:
- You must make your claim within the specified time limit. This is usually 12 months from the date of the incident.
- You may have to pay an excess. This is the amount you will have to pay towards your claim.
- The insurer may ask you to provide further information or documentation.
Benefits Of NatWest Travel Insurance
The benefits of NatWest Travel Insurance vary depending on the level of cover you choose. However, some of the benefits that are generally included are:
- Cancellation of your trip
- Medical expenses
- Baggage loss or delay
- Flight cancellations or delays
- Personal liability
- Emergency travel assistance
- Winter sports cover
It is important to note that the benefits of NatWest Travel Insurance are subject to the terms and conditions of the policy. You should read these carefully before taking out a policy. ( Also Read: foresters insurance ).
Exclusions Of NatWest Travel Insurance
Here are some of the exclusions of NatWest Travel Insurance:
- Pre-existing medical conditions: This means any medical condition that you had before you took out the policy.
- War or terrorism: This includes any act of war, terrorism, or civil unrest.
- Intentional acts: This means any act that you deliberately do, such as driving under the influence of alcohol or drugs.
- Activities that are illegal or dangerous: This includes any activity that is illegal in the country where you are travelling, or any activity that is considered to be dangerous, such as scuba diving without a qualification.
- Certain types of travel: This includes travel to certain countries, such as countries that are considered to be high-risk, or travel for certain purposes, such as business travel.
- Certain types of expenses: This includes expenses that are not considered to be reasonable or necessary, such as expenses for luxury items or for medical treatment that could have been avoided.
You should read the full terms and conditions of your NatWest Travel Insurance policy carefully to see if there are any other exclusions that apply to you.
Excess Of NatWest Travel Insurance
The excess is the amount you will have to pay towards a claim on your NatWest travel insurance policy. The excess amount will vary depending on the level of insurance you choose and the benefit you are claiming for.
For example, the excess for medical expenses on the Reward Silver policy is £100 per person, per claim. This means that if you have to claim for medical expenses, you will have to pay the first £100 of the costs and the insurer will pay the rest.
Kindly Note that The excess amount is not refundable, even if your claim is denied.
Here are some things to keep in mind about the excess on NatWest travel insurance:
- The excess amount is payable per person, per claim. This means that if you are travelling with your family, each person will have to pay the excess amount if they make a claim.
- The excess amount is not refundable, even if your claim is denied.
- You can choose to pay a higher excess amount in exchange for a lower premium. This means that you will have to pay less for your insurance, but you will have to pay a higher amount towards any claims you make.
NatWest Travel Insurance Terms And Conditions
The terms and conditions of NatWest Travel Insurance are a legal document that describes the rights and obligations of both the policyholder and the insurer.
They set out what is covered by the policy, who is covered, and the exclusions from cover. They also explain how to make a claim and the amount of excess that must be paid.
The terms and conditions are usually quite long and detailed, so it is important to read them carefully before taking out a policy.
You should also be aware that the terms and conditions may change from time to time, so you should always check the latest version before making a claim.