Travel insurance

This section applies to new policies. Please also see 'COVID cover' as this section also applies.

Choose from:

• an annual multi-trip or a single trip policy
• European or worldwide (excluding Cuba) cover
• a family, couple or individual policy
• several optional cover extensions (including winter sports, cruise and business cover) are available for an additional premium.

Santander Travel Insurance includes:

• Unlimited medical expenses if you’re injured or become ill abroad. 
• Up to £5,000 if you have to cancel, shorten or abandon your holiday due to circumstances you were unaware of when you took out the policy.
• Personal property of up to £2,000 (a single item limit of £300 applies) that is lost, stolen or damaged. You're not covered for money, passports or valuables left unattended (unless locked away).
• Essential items of clothing, toiletries or medication of up to £200 if your bags are delayed by the airline or carrier for 12 hours or more.
• Overseas legal expenses up to £25,000 if you’re injured or become ill and this is caused by a third party.
• Travel delay of £20 (up to £250) for every 12-hour delay to public transport, including flight delays.
• Your travel insurance also includes trip cancellation cover if, at the time you are travelling, the Foreign Commonwealth and Development Office (FCDO) advises against travel for any reason other than a Coronavirus outbreak (or another communicable disease). You’ll only be protected if advice from the FCDO wasn't in place when you took out your policy and booked your trip.

What you’re not covered for

• If you travel against the advice of your doctor. You must tell Chubb about medical conditions at the time of purchase and any change in health before you travel. 
• For travel to an area where the FCDO has advised against all travel or all but essential travel (except for cancellation claims).
• Financial failure of your travel provider or organiser. 
• A cancellation claim for illness without evidence.

Please read our travel insurance policy documents for the terms and conditions. These give full details of what's covered, and any excesses and exclusions that may apply.

Several optional cover extensions are available for an additional premium. These include:

• winter sports 
• car hire excess (Europe only)
• excess waiver 
• trip duration 
• hazardous activities 
• golf 
• cruise  
• business. 

The online discounts apply to any optional cover extensions as well as your main policy.

Full details on these optional extras are available when you get a quote. 

Please read our travel insurance policy documents for the terms and conditions. These give full details of what's covered, and any excesses and exclusions that may apply.

Santander Travel Insurance is arranged, administered and underwritten by Chubb European Group SE (CEG). Chubb will provide you with a 'non-advised' service. This means that you’ll be given information to help you make your decision. Chubb won’t make a personal recommendation to you.

Terms and conditions

Please read our travel insurance policy documents for the terms and conditions. These give full details of what's covered, and any excesses and exclusions that may apply.

Quotations are subject to standard underwriting and acceptance criteria.

COVID cover you have with a Santander Travel Insurance policy:

• Cancellation costs, including pre-booked excursions, if you (or someone you are travelling with) have COVID or are told to self-isolate and you miss your holiday 
• Medical expenses if you get COVID on holiday overseas
• Travelling home and additional accommodation costs if you get COVID or have to self-isolate and can’t return home on time

A positive COVID test result must be verified.  See our policy document for full details. 

What’s not covered:

You won’t have any COVID cover if the Foreign, Commonwealth & Development Office (FCDO) has advised against travelling to your destination.

You’re also not covered:

• for costs you can claim back from anywhere else (including a credit from your travel provider) 
• if you decide not to travel 
• if you can’t travel due to restrictions put in place by your travel provider, any government, or any country
• for financial failure of your travel provider

Always check before booking a trip

Before booking a trip or travelling, check the FCDO website for travel advice. You can check the country you plan to visit for the latest updates and whether it's safe to go there. These updates can change regularly and at short notice. We strongly recommend that you check your cancellation rights with your travel provider before booking a holiday abroad.

Please read our travel insurance policy documents for the terms and conditions. These give full details of what's covered, and any excesses and exclusions that may apply.

If you're an existing Santander Travel Insurance customer and want to see your documentation or make changes to your policy, you can log on to My Insurance

If you're a World Elite Mastercard customer, you'll receive a 40% online discount.

To make sure you get your discount you should apply on the World Elite Mastercard page