travel insurance natwest

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Reward Black account travel benefits

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What's included?

Your Premier Reward Black account offers a range of travel perks, including:

Worldwide family travel insurance

Access to over 1,100 airport lounges

No Non-Sterling Transaction Fee on debit card purchases abroad

Travel cover for the whole family

Our insurance provides cover for you and your eligible family for trips up to 90 days, including 31 days for winter sports. 

Underwritten by AWP P&C SA and administered by AWP Assistance UK Ltd trading as Allianz Assistance

Who is covered.

Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). Children must be living at the home address (or with the other parent), and be neither married nor in a Civil Partnership

Your partner is the person you, the account holder, live with at the same home address in a relationship, whether married or cohabiting

Existing medical conditions

To find out if you can extend your travel insurance to include cover for any new or existing medical conditions please visit our  travel insurance website . You may have to pay extra for this or you may find that your condition cannot be covered. 

If Allianz Assistance are unable to offer you an upgrade to extend the level of cover you need, or your upgrade insurance premium is higher than you expected because you have medical conditions, help could still be available.

You may be able to obtain alternative travel insurance cover for pre-existing medical conditions by contacting one of the providers featured in the  MoneyHelper Directory  of specialist travel insurance providers for people with serious medical conditions. Do take time to study and compare the terms and conditions to ensure you have the cover you need.

Telephone:  0800 138 7777 Relay UK:  18001 0800 138 7777

Monday to Friday, 8am to 6pm Saturday, Sunday and Bank Holidays, closed

Cover for those aged 70 or over

If anyone covered by this policy is aged 70 or over, you will need to contact us to pay for a £75 annual age extension upgrade for each person insured aged 70 or over for cover to apply.

Call us on:

Telephone:  0345 601 7188 Relay UK:  18001 0345 601 7188

Lines are open 8am-8pm Monday - Friday, 9am-5pm Saturday, 10am-5pm Sunday and bank holidays. We are closed Christmas Day, Boxing Day, New Year's Day and Easter Sunday.

Worldwide Airport Lounge Access

To pre-book visit the DragonPass app and follow the on-screen instructions. Not every lounge allows pre-booking and will be subject to availability. £5 pre-booking fee will apply.

Provided by Assurant (a trading name of Lifestyle Services Group Limited) and DragonPass International Limited.

Getting started with dragonpass premier+.

We’ll automatically send you a DragonPass Premier+ membership card in the post when you open or upgrade to a Premier Reward Black Account. The card will take around a week to arrive.

Download the DragonPass Premier+ app before you travel to check lounge listings, opening and closing times and any restrictions that may be in place. It also gives you information on restaurant and spa offers as well as the ability to pre-book certain lounges.

Download DragonPass Premier+ app

Getting access

Remember to take your DragonPass Premier+ membership card with you when you travel.

If you have a joint account and are travelling with the other account holders, you will both need to have your membership cards (either the plastic card or digital version available through the app) and present them upon arrival at a lounge.

Guests travelling with you, who don’t have a Premier Reward Black account, can use the lounge for a payment of £24 per person.

Enjoy additional airport discounts

You are also eligible to receive discounts at over 1,000 airport cafés and restaurants, a handy alternative where no lounge access is available.

DragonPass Premier+ also gives you access and exclusive discounts at airport spas to truly relax and unwind before your flight.

Relax in over 1,100 lounges across the globe

Your account comes with DragonPass Premier+ membership, giving you unlimited access to over 1,100 international airport lounges, including over 40 in the UK.

Using your debit card abroad

Use your debit card for purchases anywhere in the world.

• No Non-Sterling Transaction Fee when you make a payment outside the UK or payment in a foreign currency
• Not valid for ATM withdrawals, and local fees may apply

Check out our Life Moments Travel section for information on charges and tips for travelling abroad

Have an existing Travel Service booking?

The Travel Service was withdrawn on 1 March 2024. The Travel Service team are still available to support existing bookings, and you can continue to manage your booking, including making a payment, online.

Visit  Membership Services  or call us on 0345 601 7188 (Relay UK 18001 0345 601 7188)

Lines are open from 9am - 6pm Monday to Friday; 9am - 1pm Saturdays; closed Sundays and public holidays (including Christmas Day). Please be advised calls are recorded for training and quality assurance purposes.

Your Premier Reward Black account documents

Please take some time to review, print and/or save a copy of these.

• Account Benefit Terms (PDF, 476 KB)

Find answers in our FAQs

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What benefits are covered by the Gold travel insurance?

Your Gold account includes family travel insurance which offers comprehensive cover when travelling and includes:

• Lost or delayed baggage
• Lost or stolen money
• Destroyed, lost or stolen passport/driving licence
• Cancellation of a journey
• Travel delays
• Missed connections
• Failure of public transport
• Medical and emergency expenses
• Personal accident
• Hospital benefits
• Personal liability
• Overseas legal advice and expenses
• Winter sports cover

For more information please visit the Gold account webpage or read our travel insurance guide (PDF) .

Other help and support

Common questions.

How do I get the mobile banking app?

How do I pay in a cheque using the mobile app?

If I misplace my debit card, can I temporarily freeze it?

Where can I find my IBAN and BIC details?

What is a card-reader and how do I use one?

What is a pending transaction?

Cora is here to help you

Cora, our digital assistant, is available 24/7 to help answer your questions about everyday banking.

If you log into online banking or the mobile app before starting a chat, Cora can offer additional support.

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Allianz Partners appointed by NatWest Group as travel insurance provider

Allianz Partners has been appointed by NatWest Group as travel insurance provider to their packaged bank account customers.  The partnership spans NatWest Group’s wider family of banking brands including NatWest, Royal Bank of Scotland and Ulster Bank. Customers will have access to Allianz Partner’s travel insurance from February 2024.

The deal is a strategic partnership arising from Allianz Partners’ successful track record partnering with Coutts, RBS International and Isle of Man Bank, all part of NatWest Group. Allianz Partners has worked with Coutts since 2018, providing travel peace of mind to its high net worth clients.

As its packaged bank account travel insurance provider, Allianz Partners will leverage its digital offering to provide NatWest Group’s customers with access to a range of online services through the Allianz Assistance hub. The hub, which will be integrated with the bank’s own online banking app, will enable customers  to manage their insurance, purchase additional cover, request assistance and track claims.

Marcus Latchford, Chief Sales and Distribution Officer, Allianz Partners UK and Ireland, commented: “Our partnership with NatWest Group is thanks to the excellent foundation we have developed over the past five years working with Coutts and other parts of the business. We’re delighted that we are able to extend the partnership to cover the whole Group.”

He continued: “Our digital innovation combined with the ‘human touch’ has enabled us to broaden our share of the UK travel insurance market and this collaboration exemplifies our customer focus and commitment to provide exceptional insurance products and services, embedded within our business partners’ products. We look forward to delivering peace of mind to NatWest Group’s customers.”

Barry Connolly, Managing Director of Every Day Banking NatWest Group, commented: "Travel insurance is one of the benefits that our packaged account customers tell us they value the most, and we're really pleased to be working with a global, long-standing trusted partner to enhance the experience customers have when taking the product and tracking their claims, giving them greater peace of mind ."

Allianz Partners’ travel insurance for NatWest Group customers will be available from February 2024.

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