Which banks offer free travel insurance for customers?

If you do not have appropriate insurance before you travel, you could be liable for emergency expenses, including medical treatment, which may cost thousands of pounds.

For example, breaking your leg in Spain could end up costing you over £25,000, according to official government guidance.

Slightly steep, isn’t it? Well, if you don’t want your holiday ruined, then you will definitely want to set about getting some travel insurance.

Luckily, a lot of banks offer that.

Whether your next trip abroad involves seeing the sights 👀 relaxing on the beach 🏖️ or extreme sports ⛷️ follow @FCDOtravelGovUK‘s advice and check that your travel insurance covers you.

Find out more at pic.twitter.com/0gwAuzlbPO

— Heathrow Airport (@HeathrowAirport) July 20, 2025

What your travel insurance should cover

Check whether your policy covers:

• the full length of your trip (many policies have a maximum trip length and/or an annual limit on how much time in total you can spend outside the UK)
• treatment in state or private hospitals (emergency treatment and hospital bills can be enormously expensive)
• emergency transport, such as an ambulance: this is often charged separately to other medical expenses and emergency travel home on medical grounds can be very expensive
• pre-existing medical conditions: declare existing conditions or pending treatment or tests so that you are covered if there are related complications during your trip; failing to declare something may invalidate your travel insurance
• all activities you may undertake on holiday, such as sports or adventure tourism (you may need specialist insurance or an add-on for some activities)
• all the places you intend to visit, even if only in transit, in case anyone needs emergency treatment in a transit country
• repatriation costs if you or a family member die abroad
• getting home after medical treatment if you cannot use your original ticket
• reasonable costs for a family member or friend to stay with you, or travel out to accompany you home if required

The banks that offer travel insurance:

Nationwide:

The FlexPlus account comes with worldwide family travel insurance from Aviva. 

NatWest:

Offers travel insurance with their Platinum and Black accounts, covering families (you, your partner, and dependent children). Their Silver account covers only the primary account holder and any joint account holders. 

HSBC:

The Premier Bank Account includes worldwide travel insurance from Aviva. 

Lloyds Bank:

The Platinum account provides worldwide family travel insurance, AA breakdown cover, and mobile phone insurance for a monthly fee. 

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Monzo:

Offers travel insurance as part of their Max account, which can also include family cover. 

The Co-operative Bank:

The Everyday Extra account includes winter sports cover, personal accident cover, and emergency medical expenses, with no excess on claims.