Your policy does not provide cover for costs you incur if the airline cancels your flight. You should in the first instance seek compensation for these costs directly from the airline.

Most airlines offer full refunds of the flight costs if they cancel your flight in advance of your travel date. Some may offer additional financial compensation or vouchers, particularly if the flight is part of a Tour Operator booking.

Where flights are cancelled on the day of travel, under EU Air Passenger Rights rules, the airline is obliged to rebook flights for you to travel with any airline to get you to your destination on the original travel date (as long as seats are available). Further information about your rights can be found in the Civil Aviation Association website.

Your policy does provide cover for Travel delay and Abandonment cover under the Delayed departure section of your policy. You may qualify for either a delay compensation payment or even submit a claim for lost travel costs, if you decide to abandon your trip altogether. The standard qualifying delay period is 4 hours for travel dealy. The qualifying period for abandonment is 12 hours for trips scheduled to last 5 nights or more, reduced to 6 hours if your trip is only booked to last for 4 nights or less. Please refer to the policy for the full cover details.  

For other FAQs, you can click on these appropriate links for COVID-19 FAQs, General FAQs or BREXIT FAQs

While the policy does not specifically mention this, cover is provided under the standard terms and conditions of your policy for trips involving a cruise. 

The policy doesn’t however include additional cover aspects that some specialist cruise policies may provide, for example missed port cover if for some reason the ship cannot dock.

If you do need confirmation of this in writing, please request this by contacting Membership Services team by emailing travelenquiryUK@allianz.com or calling the phone number shown on your banking documents.

For more FAQs, you can click on these appropriate links for COVID-19 FAQs, General FAQs or BREXIT FAQs

The full terms and conditions of the COVID-19 cover are shown in your travel policy. 

We are happy to provide a certificate of insurance outlining the COVID-19 cover provided. You can request this by contacting the Membership Services team by emailing travelenquiryUK@allianz.com or calling the phone number shown on your banking documents.

For more FAQs, you can click on these appropriate links for COVID-19 FAQs, General FAQs or BREXIT FAQs

As an account holder you are automatically eligible for base travel insurance cover, until you reach70 years of age. At this point, you will then need to purchase an annual age extension upgrade in order to continue cover on your policy. These upgrades can be purchased by contacting the Membership Services team by emailing travelenquiryUK@allianz.com or calling the phone number shown on your banking documents.

Cover is also automatically included for your spouse, civil partner or partner until you or they reach 70 years of age (whichever happens earlier). At this point, each person aged 70 or over will need to purchase an annual age extension upgrade for cover to continue.

There’s cover for the children of you/your partner when travelling with either of you or another responsible adult, provided the children are aged under 18  (or under 23 if still in full-time education).

You can add other family members or friends not falling in these categories by purchasing a Guest cover upgrade. You can purchase cover for up to six additional people. These 'Guests' will need to be travelling with you for cover to apply.

For more FAQs, you can click on these appropriate links for COVID-19 FAQs, General FAQs or BREXIT FAQs.

If you have any questions about your policy or cover, get in touch with our Membership Services Team who are available to answer any of your queries.

For further details

Visit: The Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking)

Email: travelenquiryUK@allianz.com

Call : The Membership Services team between the hours of 8am – 8pm Monday to Friday, 9am - 5pm Saturday and 10am - 5pm Sunday and Bank Holidays.

Please note: We are unable to give you any advice on whether this product is suitable for your needs.

When you first open your bank account, you’ll receive a Welcome pack from the provider, containing details of your account terms and conditions. It will explain the extra benefits you receive as part of being an account holder. The full travel insurance policy wording are within this. Your bank account provider will keep you informed of any significant changes and supply new documents when needed. They should also be able to provide you with a physical copy of your base policy documents should you need one.

For your convenience, you can access your travel insurance policy documentation on the Allianz Assistance Hub, which can be accessed through your Banking App or Internet / Online Banking.

If you buy an upgrade to your policy, we will send you an email confirmation outlining the cover you have purchased. Details of the upgrade will also be stored under the 'Your upgrades' section of the Allianz Assistance Hub, so you will be able to print them if required. Having your policy documentation on your person when you travel isn’t essential, but it is useful in the event that something unexpected happens that you need to claim on. You can carry your policy documentation in paper (through printing at home) or electronic form (in an email or accessing through the Allianz Assistance Hub). 

If for any reason your policy upgrade cover does not meet your requirements and you wish to cancel it, please contact us within 14 days of the purchase date for a full refund of your premium. Refunds will not be provided if you have already travelled or have made a claim on your policy.

To get in touch with us:

Visit: The Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking)

Email: travelenquiryUK@allianz.com

Call: The Membership Services Team between the hours of 8am - 8pm Monday to Friday, 9am - 5pm Saturday and 10am - 5pm Sunday and Bank Holidays.

Yes, if you decide that your base travel insurance policy doesn’t meet your specific needs, you may want to increase cover by purchasing one of our upgrades. You can also make changes to upgrades you have already purchased.

Visit: The Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking)

Call: The Membership Services Team between the hours of 8am - 8pm Monday to Friday, 9am - 5pm Saturday and 10am - 5pm Sunday and Bank Holidays.

We'll be happy to discuss the cover options to change / increase your travel insurance. Please note that you may have to pay an extra premium.

When you travel, it is important to know the details of your policy, in case something happens that requires you to make a claim.

Cancellation cover begins either on the date you open your bank account, or the date you booked your trip, whichever is later. Cancellation cover then ends at the beginning of that trip. 

All other aspects of cover begin on the day you start your trip, and end on the final day of your trip.

If you cannot finish your trip as planned due to a reason covered by your policy, such as injury, illness or delays to public transport systems, cover on the policy will automatically extend until you are able to finish the trip. Otherwise all cover ends at the the maximum trip limit shown on your policy (or the upgraded trip limit you may have paid for).

If you need to make a claim on your travel insurance policy, you can either complete a claims form online, write to us or call the Claims team.

The quickest and easist way is to complete the claim online by visiting the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking). There, you'll be able to upload the documents we'll need to assess your claim and also keep track on the progress of your claim. Be sure to read and check all of the information carefully to prevent delays. Alternatively you can:

Call: The Claims Team between the hours of 8am - 8pm Monday to Friday and 9am - 5pm Saturday 

E-mail: UKtravelclaims@allianz.com

Should something happen that involves a medical emergency whilst you are away, our medical emergency team is available 24 hours a day to help.

You can reach them by calling the 24-hr emergency medical assistance helpline number shown in your policy or email them at medicalassistanceUK@allianz.com

The contact details can also be found in the 'Help and advice' section of the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking)

In a life or death situation, call the emergency services in the country you are visiting. For example, 112 within the European Union or 911 in the USA.

Before you travel, look on the GOV.UK website for more information about local authorities and who to call should you find yourself in an emergency situation.  Please visit the Foreign, Commonwealth and Development Office (FCDO) site for travel advice.

There is an excess payment for some sections of your travel insurance policy. This means that you will be responsible for the first part of your claim for each insured person making a claim for each claim incident, for each section. The excess does not apply to dependent children insured on the policy under the Cancellation, Cutting short your trip and abandonment cover under the Departure delay section where they are travelling with an account holder.

You will find full details in your policy wording.

Yes, we will still consider claims without receipts. However, please be aware that you will still be asked to provide alternative proof of ownership for the lost or stolen items.

We completely understand that you may not have kept receipts for each and every item that you took on holiday with you, but we do expect you to be able to provide some evidence of ownership for most things you are claiming on, particularly expensive items.

Some forms of evidence you can provide include photographic evidence in conjunction with

• Warranty cards
• Manuals
• Receipts
• Bank or credit card statements 

Claims for items where you are unable to provide the original purchase receipt will be subject to a deduction for wear and tear, even if they are under two years old.

It is crucial that all the information you provide us with us up to date and accurate to the best of your knowledge. Ultimately, it is your responsibility to ensure the information you have given us is correct and to let us know if your circumstances have changed in a way that would affect your travel insurance policy.

If you provide us with incorrect information, it could invalidate your insurance claim and result in us declining to pay a claim. You can change and update your information with us free of charge, but certain changes to circumstances may affect your policy premium.

If you have any questions about your circumstances or want to update or change any information you gave us, you can visit the Allianz Assistance Hub (accessed through your Banking App or Internet / Online Banking) or call Membership Services.

The UK government provides guidance on travel from any countries to the UK. You’ll need to follow when returning to the UK and once you arrive back in the UK.

Other countries also have their own COVID-19 rules. Before you travel you should check the 'Entry requirements' section of the  FCDO foreign travel advice for all countries you will visit or travel through.

You should still check and follow the latest information on the Government guidance websites of the countries you are planning to travel to.

The travel insurance cover included with your account also remains dependent on following the travel advice from the Foreign, Commonwealth and Development Office. You acn access this advice here: FCDO – make sure you read the policy documents carefully so that you fully understand what is covered. It is important to understand that for your cover to be valid, you must travel directly to or via another destination that is not subject to FCDO advice against all or all but essential travel. In certain circumstances cover may be considered where all but essential travel restrictions are in place (see below).

Where the FCDO advise against all travel

If you travel through or make a stopover in a destination that the FCDO is advising against visiting, the travel insurance policy will not provide cover for any part of your trip.

Where the FCDO advise against all but essential travel

If you travel to a destination where the FCDO has advised against all but essential travel and need to make a claim, you’ll need to provide Allianz Assistance with documentation that shows you are travelling for a permitted and essential reason before they can consider your claim.

Please keep up to date with the FCDO advice when booking and travelling and contact Allianz Assistance if you have any questions or concerns.

Some policies can have varying levels of cover depending on the bank account you hold. With all of the travel insurance policies which come with our added value accounts / packaged bank accounts, changes in Foreign, Commonwealth and Development Office (FCDO) travel advice and government-imposed restrictions including quarantine/lockdown of a geographical area, are not covered events. However, there are specific exceptions to the general exclusion against claims arising from or relating to a pandemic or epidemic. This means that there’s cover in line with the terms and conditions under the travel insurance policy if someone covered under the policy:

• Contracts COVID-19 whilst abroad and needs medical treatment, or has to return home early as a result of their condition.
• Contracts COVID-19 or is required to quarantine abroad following virus exposure and needs to extend their trip. The insurer will cover the cost of additional accommodation and transport until it's safe  to return home.
• Or their travel companion, develop symptoms and are advised against travel by their GP, tests positive for COVID-19 or are asked to self-isolate by the NHS and have to cancel the trip. Please note that this applies to isolation in individual circumstances only; there's no cover if you can’t travel due to a local or national lockdown.
• Is denied boarding on pre-booked public transport because they or their travel companion are showing signs of COVID-19 and are unable to travel as a result.
• Needs to cancel or cut short the trip because a close relative of theirs or of their travel companion becomes seriously ill with a pandemic/epidemic illness.

Please note: For claims relating to being tested as positive for COVID-19, evidence will need to be provided in the form of a positive PCR test or a specific medical certificate from a doctor. Positive lateral flow tests are not sufficient.

According to the Foreign, Commonwealth and Development Office (FCDO), you can visit most countries regardless of whether you have been vaccinated or not. However, there are some countries that will not allow travellers to enter unless they can prove that they’ve received all their appropriate COVID-19 vaccinations.

When you’re booking a trip, make sure you check the entry requirements for your destination and prepare any documents of proof before you go. If you are denied entry into your country of destination because you have failed to meet the entry requirements, there's no cover under the travel insurance policy for any financial losses or unexpected additional costs. 

You would need to contact the airline and/or travel provider to discuss your options for amending or cancelling your trip. Your travel insurance policy won’t cover you for cancellation if you’re unable to travel to your destination due to a change in FCDO or general government advice owing to an epidemic or pandemic.

However, there are other ways in which you might be protected against financial losses in these circumstances.

Many travel providers will let customers cancel or alter their booking free of charge if the FCDO is advising against travel to the destination, especially if it is a package booking and the travel provider is ATOL or ABTA protected. Costs over £100 that are not recoverable from your airline and/or travel provider may be recoverable from your credit card company if your credit card was used to make the purchase. You may also have buyer protection if payments were made through PayPal. 

As long as you haven’t travelled against FCDO advice, claims can be considered under the medical expenses section of the travel insurance policy for expenses incurred from receiving medical treatment.

The insurer will also consider claims for the cost of necessary extra accommodation, if you have to quarantine during your trip because you have contracted COVID-19 or been exposed to a similar contagious disease.

In both instances, if you contract COVID-19 during travel, follow any advice given by the local authorities and contact your travel provider to notify them as soon as possible. If you are suffering with COVID-19 abroad, please contact the Allianz Assistance 24-hour emergency medical assistance line for advice and support with your arrangements.

Please note there is no cover under the travel policy for any amount recoverable from any other source such as your airline or your accommodation provider. 

The travel insurance policy wouldn’t cover any unexpected additional travel or accommodation costs if you are prevented from travelling as a result of failing to produce a valid COVID-19 vaccine passport or meet any other entry requirements needed for your trip. This is because failure to comply with entry requirements for any country is not a covered event.

If you aren’t able to obtain COVID-19 vaccine passports or any other documentation in time for your original return travel, you should get in contact with your travel provider to make alternative arrangements. 

As long as no FCDO advice against travel to your destination is already in place and you’re able to provide evidence of a positive PCR test or a medical certificate completed by your GP confirming your diagnosis and declaring you unfit to travel, you can claim for cancellation costs in line with the terms and conditions of your travel insurance policy. Lateral flow tests are not sufficient evidence.

Please note there is no cover for any amount recoverable from any other source such as your airline or your accommodation provider.

As long as no FCDO advice against travel to your destination is given at the time of departure and the government at your destination also allow you to travel, there'll be cover under the travel insurance policy in line with the terms and conditions.

We suggest you check that your travel provider can still provide the transport and accommodation you have booked, since changes to these arrangements are not covered by the travel insurance policy. You should also be aware that any additional costs relating to or caused by these entry requirements (such as compulsory quarantine) will not be covered.      

Your European Health Insurance Card (EHIC) will still be valid within the EU, entitling you to essential medical treatment at state-run hospitals and GP’s until it expires. Once your EHIC expires, you’ll be able to replace it with a Global Health Insurance Card (GHIC) free of charge.

Whilst your EHIC/GHIC will take care of your medical treatment costs in some circumstances, it’s still important to take out a suitable travel insurance policy, as your EHIC won’t cover you for every circumstance, including trip cancellation, stolen belongings, private medical treatment and any additional costs to return you to the UK. It also won’t provide cover for treatment at private medical facilities, even if no public facilities are available locally.

The GHIC is the new scheme that was launched by the government to replace the previous EHIC scheme. It offers the same protection as the EHIC and you won’t need to apply for one until your existing EHIC expires.

Both your EHIC and GHIC enable you to access free or reduced^* state-provided medical treatment and healthcare, should you need it whilst travelling in the EU. This includes treatment for a pre-existing medical condition. It’s important to be aware that neither the EHIC nor GHIC provide cover in Iceland, Liechtenstein, Norway and Switzerland, even though these countries used to provide reciprocal healthcare arrangements to travellers from the UK. However, you can still receive state-provided healthcare in Norway if you show your UK passport to the medical facility.

*Different countries have different healthcare systems and may not include everything that you might receive free on the NHS. Your GHIC entitles you to the same treatment, at the same cost, as a patient from that country. You can find out more here.

If you’re travelling for leisure, you won’t need a visa for trips to most countries within the EU, Iceland, Liechtenstein, Norway and Switzerland, unless your travel exceeds the limit of 90 days in any 180-day period. If you travel to Bulgaria, Croatia, Cyprus or Romania, your visits to other EU countries won’t count towards the 90-day total.

If your travel exceeds this time limit, is for work or study or a business trip, you may need a permit or visa. You can check the relevant information for each country here.

We’d strongly advise you to allow yourself more time at the airport, train terminal or ferry port when travelling to the EU post-Brexit. This is because you won’t be able to use the EU fast-track queue at passport control.

You may also be required to show your onward/return ticket and/or prove that you have enough money to cover your stay. It’s important to remember that if you miss your flight (or equivalent) due to long queues inside or on the way to the airport (or equivalent), you won’t be covered for any resulting additional costs under your travel insurance policy. 

The UK no longer participates in the Erasmus scheme, meaning that studying in Europe may look different. If you’re already studying in the EU, you’ll still be treated the same as students from that country and continue to receive the same financial support as other EU students.

However, if you’ve not yet started your studies, you’ll need to make sure that you meet the visa requirements for the country you’re studying in. Also, check with the EU university you’re attending to make sure that your arrangements haven’t changed. 

You can still travel to the EU for business, but you may need to meet some additional entry requirements such as arranging a visa or work permit, depending on your reason for travel and length of stay.

You can check the requirements here, as well as additional information on how to check if your professional qualifications are recognised in the EU and whether you’ll need to let HMRC know that you’ll be earning money in the EU. 

Not all of the new rules will apply if you’re visiting Ireland, but it’s important to understand which ones do:

You need to:

• Make sure your pet has an Animal Health Certificate (AHC) if travelling to Ireland with you.
• Take out a suitable travel insurance policy for your trip. Although UK citizens visiting Ireland are entitled to medically necessary healthcare, this wouldn’t cover you for any other unexpected additional costs such as stolen belongings or repatriation.

You don’t need to:

• Renew your passport before travelling to Ireland if it is over 10 years old and/or expires within the next six months.
• Arrange a visa or permit to live, work or study in Ireland.

You’ll need to declare your pre-existing medical condition, so that we can let you know whether our travel insurance product can cover it. Your EHIC/GHIC will entitle you to medical treatment and care whilst travelling in the EU, but not private treatment or for other unexpected additional costs such as repatriation, so it is important to make sure that you have suitable cover for your needs.

If you have already declared a pre-existing medical condition with us that we’ve agreed to cover, you’ll still be covered in line with the policy terms and conditions. 

A green card is a document which proves that you have the car insurance required for the country you’re driving in. All UK car insurance policies provide the minimum third party cover to drive in the EU.

Before your trip, you’ll need to contact your car insurance provider to ask for a green card for your car. You should allow plenty of time for this, as it can take up to six weeks to reach you in the post.

No – if your number plate displays a GB with an EU flag or the English, Scottish or Welsh flag, there’s no need to change it, but you will need to display an additional GB sticker to drive within the EU.

If your number plate has a GB displayed on its own or with a union flag, you won’t need an additional sticker for most countries. However, if you’re driving in Cyprus, Malta or Spain you’ll need a GB sticker regardless of the symbol on your number plate.

If you own the car you’re driving, you’ll need to carry your V5C log book when driving within the EU. If you’re taking a leased or hire car from the UK to the EU, you’ll need to get a VE103 form to prove that you have permission to take the car outside the UK.

You should also carry your driving licence and, in some cases, an International Driving Permit (IDP). This depends on which country you’re going to and how long you stay there. You might also need an IDP if you have a paper driving licence, or a driving licence issued in Gibraltar, Guernsey, Jersey or the Isle of Man.

You can find out more and check which documents you’ll need to carry for your trip here.

If you’re driving abroad and towing a trailer or caravan, you should check the latest Government rules to see that your license allows this. Trailers and caravans will need their own GB sticker and you’ll need to take an additional green card with you. You should contact your car insurance provider at least six weeks before you set off, to make sure you receive your green card in time for your trip.

You may also need to register the trailer/caravan with the DVLA so it can be issued with a separate registration number needed to take it outside the UK. You can check whether your trailer or caravan needs to be registered here.