Natwest Travel Insurance Review and Quotes
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Discover the methodologyIt 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
| Safe rating | Our opinion | |
|---|---|---|
| Customer service & satisfaction |
5 star rating on Defaqto | |
| Cover provided |
Policies available across 3 levels of cover | |
| Value for money |
Affordable premiums | |
| Financial strength | Natwest's insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the FCA and the Prudential Regulation Authority | |
| Technology |
Online application process |
Natwest travel insurance reviews by expert and consumers
| Review organisation | Natwest travel insurance reviews |
|---|---|
| Defaqto expert | Black: 5 |
| TrustPilot | 1,4/5 based on more than 2K opinions |
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
| Single and annual multi-trip days and age limits at Natwest | |
|---|---|
| Maximum days per trip | Annual Multi Trip: 22 days per trip for Silver, 31 days per trip for Platinum & 90 days per trip for Black |
| Maximum age limit | Annual Multi Trip: 69 years |
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Natwest:
Policy name | Silver | Platinum | Black |
|---|---|---|---|
| Defaqto expert rating | Not Stated | Not Stated | 5 |
| Reward account fee | £10 | £20 | £31 |
| Excess (if not stated) | £75 | £75 | £75 |
| Medical expenses | £10M | £10M | £10M |
| Trip cancellation / curtailment | £5,000 | £5,000 | £10,000 |
| Delayed departure 12 hours | Not Stated | Not Stated | Not Stated |
| Delayed departure max | £1,000 | £1,000 | £1,000 |
| Baggage & belongings | £1,500 | £1,500 | £2,500 |
| Money including cash | £500 | £500 | £500 |
| Repatriation | £10M | £10M | £10M |
| Personal liability | £2M | £2M | £2M |
| Personal accident (excess £0) | £25,000 | £25,000 | £100,000 |
| Legal expenses (excess £0) | £50,000 | £50,000 | £50,000 |
| Hospital benefit (excess £0) | £400 | £400 | £700 |
| Accommodation cover | £5,000 | £5,000 | £10,000 |
| Pet care (excess £0) | x | x | x |
| SAFI* | Not Stated | Not Stated | Not Stated |
| Medical screening | x | x | x |
| Cruise cover | x | x | x |
| Winter sports | Standard | Standard | Standard |
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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?
| Travel insurance options at Natwest | |
|---|---|
| Natwest golf cover | Optional Golf Cover is available at NatWest and it comes with the following benefits:
|
| Natwest business cover | Optional Business Cover is also available at NatWest and it comes with the following benefits:
|
| Natwest cruise cover | Not Available |
| Natwest gadget cover | Not Available |
| Natwest other extras | Wedding Cover is available as an additional upgrade at NatWest and it comes with the following benefits:
|
Watch out!
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:
You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Natwest:
Policy name | Silver | Platinum | Black |
|---|---|---|---|
| Reward account monthly fees | £10 | £20 | £31 |
| Europe Only | v | v | v |
| Worldwide | x | v | v |
| European car breakdown cover | x | x | v |
Find the best travel insurance in just a few seconds!
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 to claim on Natwest travel insurance? | |
|---|---|
| Claim online | You can make a claim online by filling a claims form found in your customer portal. |
| Claim by phone | 0345 601 5219 (Silver) |
How do I contact Natwest travel insurance?
Natwest contact phone numbers
| Services | Phone numbers | Opening hours |
|---|---|---|
| Customer Service | 0345 601 5219 (Silver Account) 0345 609 0453 (Platinum Account) 0345 6017 188 (Black Account) | Monday to Friday: 9am to 5pm |
| Medical Emergency Claims | 0345 601 5219 (Silver Account)
0345 609 0453 (Platinum Account) 0345 6017 188 (Black Account) | Available 24/7 |
| Legal Cost Claims | 0345 246 2071 (UK) '+44 1275 557 946 (Abroad) | Available 24/7 |
Natwest other contact details
| Contact details | |
|---|---|
| Address | National Westminster Bank plc |
| Not Stated |
How to cancel your annual Natwest travel insurance policy?
You will find below main information to cancel your travel insurance policy at Natwest:
| How to cancel Natwest travel insurance? | |
|---|---|
| Cancellation fees during cooling off period of 14 days | No refund |
| Cancellation fees outside cooling off period | No refund |
| Cancel by mail | Customer Relations, |
| Cancel by phone | 0345 601 5219 (Silver Account) |
Our opinion on Natwest travel insurance
NatWest is a bank that offers travel insurance policies that come along with their current accounts. The insurance policies are available across 3 levels based on the account types: Silver, Platinum and Black. The company's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the FCA and the Prudential Regulation Authority.
The travel insurance covers available are Annual Multi Trip with up to 31 days for Silver and Platinum accounts and up to 90 days for Black accounts. The insurance covers come as standard when you open the current accounts therefore, there are no additional premiums to pay for unless you opt for an optional additional cover.
Aside from the travel insurance cover, depending on the type of bank account, you're also covered for the following: mobile phone insurance, free debit card purchases abroad, UK and European breakdown cover, access to over 1000 airport lounges, and 24/7 concierge services.
We would only recommend you consider Natwest if you're actually looking to open a current account that comes with travel insurance cover.
