Question 1

Is NatWest travel insurance a standalone policy?

Accepted Answer

Usually not. NatWest travel insurance is typically included with certain packaged current accounts (for example Silver, Platinum, or Black). Your cover level depends on the account tier, and the policy terms apply just like any other travel insurance.

Question 2

What trips is NatWest travel insurance best for?

Accepted Answer

It’s often best for straightforward holidays and frequent travel where multi-trip cover is useful. It can also suit families if your account tier includes family cover. Always check destination limits, trip-length limits, and the policy booklet before you rely on it for a specific trip.

Question 3

What’s the maximum trip length on NatWest travel insurance?

Accepted Answer

It depends on your packaged account tier. NatWest tiers have different maximum trip lengths (commonly 22, 31, or 90 days). Check your account’s travel insurance summary and the policy wording to confirm the exact limit that applies to you.

Question 4

Does NatWest travel insurance cover high-altitude treks?

Accepted Answer

It can, but altitude limits matter. In the policy wording, trekking/hiking is typically covered up to a certain altitude as standard, and higher-altitude trekking may require a paid “Hazardous Activities” extension. Always confirm the altitude limit in writing for your exact trek and route.

Question 5

Would NatWest travel insurance cover Everest Base Camp or Kilimanjaro?

Accepted Answer

Everest Base Camp may be possible if your policy includes (or you add) the correct hazardous activities cover and the altitude limit matches your itinerary. Kilimanjaro is higher than many common altitude caps, so it may fall outside cover unless the policy explicitly includes that altitude and activity type. Always verify against the policy booklet before booking.

Question 6

Does NatWest travel insurance cover safaris?

Accepted Answer

Safaris are commonly listed as a covered land-based activity in the policy wording, but the details still matter (for example, whether it’s a guided game drive versus something more specialised). Check the activity list and any exclusions in your version of the policy.

Question 7

Does NatWest travel insurance cover cruises and polar cruising?

Accepted Answer

Cruises are typically included as a covered activity. For polar cruises (Arctic/Antarctica), the cruise itself may be covered if your destination scope includes it, but excursions (kayaking, trekking, mountaineering, etc.) must be covered activities too. Always check both destination limits and the activity list for shore landings and excursions.

Question 8

Are pre-existing medical conditions covered by NatWest travel insurance?

Accepted Answer

Not automatically. Pre-existing medical conditions often need to be declared and accepted, sometimes for an additional premium, and some conditions may be excluded. If you have any condition (even if it feels minor), confirm cover in writing before you travel.

Question 9

Is NatWest travel insurance available for travellers aged 70 or over?

Accepted Answer

Yes, but there is usually an extra step and cost. NatWest often requires an annual age extension for travellers aged 70+ on packaged-account travel insurance. Confirm the fee and requirements for your specific account tier before you rely on the cover.

Question 10

How do I make a claim on NatWest travel insurance?

Accepted Answer

NatWest typically routes claims through its Membership Services process and/or the insurer/administrator’s online claims portal, depending on your account. Keep all receipts, medical notes, police reports (if relevant), and booking evidence, and start the claim as soon as practical after the incident.

Question 11

Can FCDO travel advice affect NatWest travel insurance cover?

Accepted Answer

Yes. Like most UK travel insurance, cover can be affected if you travel to a destination the FCDO advises against (such as “against all travel” or “all but essential travel”). Check the current FCDO advice before you go and confirm how it impacts your policy.

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