Travel Insurance

What is included?

Travel insurance is available as part of packaged accounts such as Silver, Platinum, and some older Gold or Premier accounts. These accounts combine travel insurance with other benefits, such as breakdown cover and mobile phone insurance, for a monthly fee.

Depending on the account, cover may include:

• Multi-trip travel insurance
• Cover for you and eligible family members
• Winter sports cover (subject to limits)
• Cover for certain sports and leisure activities
• UK leisure travel (when accommodation is pre-booked)

Types of cover

Who is covered?

Travel insurance may cover:

• The account holder
• Their spouse, partner, or civil partner
• Dependent children (age limits apply)

Children are usually covered if they are:

• Under 18, or
• Under 24 and in full-time education

They must normally travel with the account holder, partner, or a responsible adult.

Age limits

• Silver accounts: cover typically ends at age 65
• Gold, Platinum, and eligible Premier accounts: cover typically ends at age 80

Cover for partners is linked to the account holder’s eligibility.

Key benefits and limits

Travel insurance typically includes:

• Emergency medical cover (up to £10,000,000)
• Cancellation or curtailment cover (up to £5,000)
• Personal accident cover (up to £30,000)
• Baggage cover (up to £2,500, including valuables limits)
• Travel disruption cover (up to £5,000)

There may also be cover if a trip needs to be cancelled due to quarantine following exposure to a contagious disease.

Trip limits

• Standard maximum trip duration: 31 consecutive days
• Premier accounts (opened before 2014): up to 62 consecutive days
• Winter sports: typically limited to 31 days per calendar year

Eligibility requirements

To be eligible for cover:

• You must hold a qualifying packaged bank account
• You must be a UK resident (or resident in the Channel Islands or Isle of Man, where applicable)
• Trips must start and end in your home country
• You must meet the age and account criteria

Medical conditions

Not all pre-existing medical conditions are automatically covered.

• Some conditions may be excluded unless declared
• You may need to contact the insurer to declare conditions
• Additional premiums may apply
• You must inform the insurer of any new or changed conditions before travelling

Excess and exclusions

• An excess (typically around £75 per adult per claim) may apply
• Policy exclusions and limits apply depending on the account and cover
• Full details are available in the policy documents

How to make a claim

You can make a claim by:

• Logging it online via the Allianz Assistance Hub (accessible through mobile or online banking)
• Contacting the support team by phone if you don’t use online banking

Important information

• Cover is only valid while your account remains open and eligible
• Benefits, limits, and eligibility vary depending on the account type
• Terms, conditions, and exclusions apply

Related benefits

Packaged bank accounts may also include:

• Mobile phone insurance
• Breakdown cover
• Additional lifestyle and travel-related benefits