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Published: 13/01/2022

Reviewed: Nationwide travel insurance

Nationwide offers travel insurance through its FlexPlus current account, a packaged account that has a fee of £13 per month and includes worldwide travel insurance as just one of its perks. Moneyfacts has awarded the FlexPlus Worldwide Family Travel Insurance policy a five-star rating for its range of comprehensive features, so just what makes it one of the best travel insurance policies currently available? Let’s take a look.

What’s included in Nationwide travel insurance?

A Nationwide FlexPlus Worldwide Family Travel Insurance policy offers cover for both you and your family, with each insured person benefiting from the following key features:


  • Worldwide cover, provided you’re not travelling somewhere against official advice.
  • Cover for trips lasting up to 31 days.
  • Cover for winter sports, golf and a range of other holiday sports as standard, though some exclusions and limitations can apply.
  • Cover for travel disruption.
  • Cover if you’ve checked in but your transport is delayed.
  • Cancellation cover (up to £5,000).
  • Medical expenses cover (up to £10 million).
  • Cover for cash and personal belongings (limits apply).
  • Any costs associated with getting key travel documents while away (such as a temporary passport if yours is lost or stolen).
  • Business and wedding cover.


You may also be able to apply for certain upgrades or optional extras to add on to your policy, such as trip extension if you’re planning on travelling for longer than 31 days, hazardous activities cover and cruise cover.

What’s excluded from policies?

Typical exclusions include cover for certain medical conditions, anyone aged 70+ or trips lasting longer than 31 days. All trips need to start and end in the UK in order to be covered, and in the case of UK-based holidays, trips must be for two or more nights in pre-booked accommodation. It’s important to read the policy documents carefully for a full list of any exclusions and limitations.

Who’s covered under my Nationwide travel insurance policy?

Your insurance policy covers you (as the account holder), your partner and any dependent children. You don’t all need to be travelling together to be covered.

Does Nationwide travel insurance include coronavirus cover?

Yes. You’re covered for cancellation due to the coronavirus if you, a travelling companion or a close relative is diagnosed with COVID-19, or if you’re required to self-isolate. You’ll also be covered if the FCDO advise against all or all but essential travel to your destination within 28 days of your departure – as long as the guidance wasn’t in place when you booked your trip or opened your account – and if you’re unable to use your pre-booked accommodation because it’s been adversely affected by the pandemic.

You’ll be covered if you’re away and have to cut your trip short because of the coronavirus, and if you require emergency medical treatment abroad. The cost of any non-refundable coronavirus tests will also be covered under your policy.

Am I eligible for Nationwide travel insurance?

You’ll only be eligible for Nationwide travel insurance if you’ve got a FlexPlus current account – you can’t buy this insurance policy separately. Luckily, the account has got one of the best switching incentives currently available of up to £125 cashback, so if you’re not yet a FlexPlus customer, it could be time to consider it.

However, you’ll need to meet additional eligibility criteria as well. You’ll need to be younger than 70 years old to be eligible for the standard policy (though older travellers can buy an age upgrade for £65 per year), and you’ll need to be a UK resident living in the UK for at least six months in any 12-month period. Your health can come into it as well – you may not be eligible if you suffer from certain medical conditions, which must be disclosed to Nationwide ahead of time (though you may be able to add a medical upgrade to your policy if applicable).

Is there anything else I should know?

Cover starts as soon as your Nationwide FlexPlus account is open, and you’ll be able to manage your travel insurance policy, make and keep track of claims and apply for upgrades using the travel insurance portal.

Disclaimer: This information is intended solely to provide guidance and is not financial advice. Moneyfacts will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfacts recommends you obtain independent financial advice.

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