Travel insurance

Arranged, administered and underwritten by Chubb European Group SE

Travel insurance

What you can get

  • Up to a 30% discount when you apply online
  • Flexible cover - tailor your cover to suit you, with a range of optional extras for an additional cost
  • Includes cover for COVID-19 overseas medical and repatriation expenses, but excludes other COVID-19 related claims, such as cancellation. See full information below
  • Moneyfacts 5 Star rating for quality

 

It’s important to check the Foreign, Commonwealth and Development Office (FCDO) advice before you book a trip and before you travel.

COVID-19 - What is and is not covered by a Santander Travel Insurance policy:

For all new policies purchased on or after 12 August 2020:

  • Santander Travel insurance will cover overseas medical and repatriation expenses claims relating to COVID-19 unless at time of departure your trip is to, from or through anywhere that the FCDO has advised against all travel or all but essential travel.
  • Santander Travel insurance will not cover any other claim relating to COVID-19 (or any variation or mutation of it), such as cancellation. Please see the policy document for full details of this exclusion.  

IMPORTANT INFORMATION: Santander Travel Insurance will not provide any cover, under any section of the policy, if at time of departure your trip is to, from or through anywhere that the FCDO has advised against all travel or all but essential travel. During the current pandemic the FCDO advice may change on a more regular basis than usual and at short notice. Therefore we strongly recommend that you check your cancellation rights with your travel provider before booking any overseas holiday.

If you purchased your Santander Travel Insurance policy on or before 11 August 2020:

We may, in some circumstances, be able to provide you with cancellation cover for COVID-19 related claims.  Please read the questions and answers below:

Will Santander Travel Insurance provide me with cancellation cover if the FCDO has advised against all travel or all but essential travel to my destination?

Yes, as long as all the requirements below are met:

  • you purchased your policy and booked your trip before 18 March 2020
  • you have not been able to get a refund from either your travel provider, your credit card provider or your bank (we may require proof of this)
  • your claim meets all other eligibility requirements as detailed in your policy documentation

Will Santander Travel Insurance provide me with cancellation cover if the FCDO has not advised against travel, but I choose not to go on holiday because I am worried about COVID-19?

No, your policy will not cover you if you change your mind about travelling.

Will Santander Travel Insurance provide me with cancellation cover if I cannot travel because I have contracted COVID-19 in the UK?

Yes, as long as your medical declaration was completed accurately at the time you applied for your policy.

If, after reading the information above, you need to get in touch please call Chubb customer services on 0800 519 9921.

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. This includes claims relating to COVID-19 - as long as the Foreign, Commonwealth and Development Office has not advised at time of departure against all travel or all but essential travel to countries that your trip is going to, from or through.
  • 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.

You’re not covered:

  • For any claim relating to COVID-19 (or any variation or mutation of it), except for medical expenses (see above)
  • 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 Foreign Commonwealth and Development Office has advised against all travel or all but essential travel.
  • Against financial failure of your travel provider or organiser.

 For a full list of what's covered, including any excesses that may apply, exclusions and product terms and conditions, please read the Santander Travel Insurance policy documentation
 

Several optional cover extensions are available for an additional premium:

  • Winter sports 
  • 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. 

For a full list of what's covered, including any excesses that may apply, exclusions and product terms and conditions, please read the Santander Travel Insurance policy documentation

Santander Travel Insurance is arranged, administered and underwritten by Chubb European Group SE (Chubb). 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

For a full list of what's covered, including any excesses that may apply, exclusions and product terms and conditions, please read the Santander Travel Insurance policy documentation 

Quotations are subject to standard underwriting and acceptance criteria.

The discounts apply to the main policy and to any optional cover extensions you may choose to buy. Subject to availability, may be withdrawn at any time.

You must apply online to get your discount. If you would prefer to apply over the phone, please call Chubb on 0800 519 9921.

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

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Why choose Santander?

Moneyfacts 5 star award for Travel Insurance