- Includes holiday cover, emergency medical expenses, trip cancellation and baggage.
- Add cover for many medical conditions.
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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 could protect you, your trip, and your property. For example, offering cover for medical care, cancelled flights, or lost luggage.
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Ready to compare travel insurance? Our policies:
- Provides pre-travel cover
- Include winter sports cover
- Include COVID-19 cover
- Have the option of cover for over 70s
- Can add cover for many pre-existing medical conditions
We offer travel insurance with our packaged bank accounts
Packaged bank accounts are only available to existing Royal Bank of Scotland current account customers. Fees apply. Explore our current accounts.
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.
Whether you want to cover a single trip or require annual multi-trip travel insurance, our packaged accounts may have insurance for your needs.
Do I legally need travel insurance?
No, you’re not legally required to have travel insurance. However, it’s 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?
Depending on your policy, travel insurance could cover the costs of unforeseen incidents such as health emergencies, cancelled flights, or missing luggage.
When searching for the best travel insurance, it’s worth thinking about your personal circumstances and how often you travel in the UK and abroad.
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 it's 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 holiday or business travel insurance to UK residents. You can choose the account that suits your plans. Eligibility criteria apply.
Family
Our Platinum and Black accounts cover you and 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).
Packaged bank accounts with worldwide travel insurance
If you’re looking for worldwide or family travel insurance, we offer cover built in to our Reward Platinum and Reward Black accounts. Upgrade your existing Royal Bank current account below. Specific account eligibility criteria apply.
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We have a range of cover across our packaged bank accounts. Please see the policy terms for full details and exclusions.
Reward Platinum
£22 monthly fee
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.
You can also make fee-free debit card purchases abroad when using your Reward Platinum debit card. Excludes ATM withdrawals, local fees may apply.
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Premier Reward Black
£36 monthly fee
Family travel insurance for trips in the UK and worldwide up to 90 days, including 31 days for winter sports.
Includes medical expenses cover, trip cancellation, 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.
You can also avoid non-sterling transaction fees when using your Reward Black debit card abroad. Excludes ATM withdrawals, local fees may apply.
Specific Premier eligibility criteria applies.
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Reward Silver
£10 monthly fee
You’re covered for 22 days per trip for UK and European travel, including winter sports.
Includes emergency medical expenses, trip cancellation, baggage and more.
Only you and any joint account holder will be covered.
COVID-19 cover.
You can also make fee-free debit card purchases abroad when using your Reward Silver debit card. Excludes ATM withdrawals, local fees may apply.
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Already a Packaged account customer?
Common questions about our travel insurance
Travel account
See how our travel account could help you spend like a local by linking euros to your debit card. Eligibility criteria applies.
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Spending abroad
Read our handy guide to using your card abroad and find the important fee information.
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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)