Our Travel Insurance policies are underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance.
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What's travel insurance?
Travel insurance is financial protection against unforeseen circumstances while you’re travelling or on holiday. Depending on your level of cover it can protect you, your trip and your property such as medical care, cancelled flights or lost luggage.
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Our policies:
- Include winter sports cover
- Include COVID-19 cover
- Have the option of cover for over 70s
- Can have cover for many pre-existing medical conditions added
We offer travel insurance with our packaged bank accounts
These are only available to existing Royal Bank current account customers.
Which bank accounts come with travel insurance?
Our Silver bank accounts come with European travel insurance.
Our Platinum and Black bank accounts come with Worldwide travel insurance.
Do I legally need travel insurance?
No, you are not legally required to have travel insurance however it is a good idea.
Some tour operators may insist that you have travel insurance before they confirm your booking, especially to countries like the USA where there’s no public health service.
Why is travel insurance important?
If you have travel insurance, depending on your policy, it could cover the costs of unforeseen incidents such as health emergencies, cancelled flights or missing luggage.
Cover for your trip
- Cancelling your trip (before you are due to start your trip)
- Delayed or missed departure (on the day you are travelling)
- Cutting your trip short (after your trip has started)
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Cover for you
- Emergency medical costs (such as illness, injury or quarantine)
- Personal accident (such as an accidental injury)
- Personal liability (if you become legally liable for an accident)
- Legal costs
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Cover for your property
- Baggage (lost, stolen or accidentally damaged)
- Delayed baggage (essential replacement of toiletries, medication or clothing)
- Personal money (lost or stolen)
- Lost Passport or Driving Licence (reasonable travel, accommodation and administration costs)
- Winter sports cover
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Travel Insurance Terms
We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.
Types of cover included with our bank accounts
Our packaged bank accounts offer a range of cover. You can choose the account that suits your plans.
Family
Our Platinum and Black accounts cover you and when eligible your partner, plus any dependent children.
Worldwide
Our Platinum and Black accounts cover trips in the UK and worldwide, including winter sports.
European
Our Silver accounts covers trips in the UK and Europe, including winter sports.
Multi-trip
We cover unlimited holidays for a maximum of 22 days (Silver), 31 days (Platinum) or 90 days (Black). Winter sports trips are restricted to 22 days (Silver) and 31 days (Platinum and Black).
Comparison table
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. Children must be living at the home address (or with the other parent) and be neither married nor in a civil partnership.
- COVID-19 cover.
Are you an existing customer? To see your full list of account benefits:
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To apply for a Reward Platinum you must be an existing Royal Bank current account customer. £22 monthly fee. Select Platinum can't be applied for.
Reward Black and Black account
Family travel insurance for trips in the UK and worldwide up to 90 days, including 31 days for winter sports.
- Includes medical expenses cover, 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. Children must be living at the home address (or with the other parent) and be neither married nor in a civil partnership.
- COVID-19 cover.
Are you an existing customer? To see the full list of your account benefits:
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To apply for a Reward Black you must be an existing Royal Bank current account customer and meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your Royal Bank account, or £500k minimum mortgage borrowing with us, or minimum £100k savings or investments held with us. £36 monthly fee. Black account can't be applied for.
Reward Silver and Select Silver accounts
You’re covered for 22 days per trip for UK and European travel, including winter sports.
- Includes emergency medical expenses, cancellations, baggage and more.
- Only you and any joint account holder will be covered.
- COVID-19 cover.
Are you an existing customer? To view your full account benefits:
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To apply for a Reward Silver you must be an existing Royal Bank current account customer. £10 monthly fee. Select Silver can't be applied for.
Spending abroad
A guide to using your card abroad and important fee information.
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Currency card calculator
Use our calculator to view your conversion rates and charges.
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Switch to Royal Bank
The Current Account Switch Service will do all the work when it comes to switching, moving everything across from your old account all within 7 working days, including Direct Debits and standing orders. All you need to do is tell us the details of your old bank account and when you want the Switch to start.
We can not switch savings accounts or ISAs through this service. Any other products you have with your old bank will not be moved at the same time.
Current Account Switch Guarantee (PDF, 39KB)