Travelling abroad is an exciting adventure, but it’s important not to overlook health insurance – especially if you’re relying on the cover that comes with your bank account. Many premium current accounts in the UK offer free travel insurance as a perk, which can be incredibly convenient. However, before you jet off, take the time to check the policy details thoroughly. Look for key aspects like duration of cover, geographical limits, age restrictions and whether pre-existing medical conditions are included or excluded.
It’s wise to contact your bank or the insurer directly to confirm you’re covered for your specific trip. Ensure all travellers in your party are listed on the policy if required, and don’t assume cover extends to everything – for example, missed connections or high-cost medical emergencies may have limits. Print or download your insurance documents, and make a note of the emergency contact numbers. If your trip involves winter sports, scuba diving or other high-risk activities, you may need to purchase additional cover or an add-on to your existing policy.
Most bank-provided travel insurance policies will also cover immediate family members, such as a spouse or partner and dependent children – typically up to age 18, or 23 if they’re still in full-time education. However, this often depends on factors like whether they live at the same address or are named on the policy. Some policies only apply if the account holder is also travelling. If you’re planning a family holiday or someone is travelling independently, check who qualifies and make any necessary arrangements with the insurer. A few minutes of preparation could save you from significant financial and medical trouble abroad.
