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
  • For Coronavirus (Covid-19) cover, see the section below

 

Santander Travel Insurance provides some cover for Coronavirus which is a 'communicable disease’. A communicable disease is an illness caused by bacteria or viruses that are spread directly or indirectly from one person to another. 

What’s covered if you need to cancel your holiday because of Coronavirus:

We'll cover cancellation costs (including any pre-booked excursions) if you or someone you're travelling with: 

  • contracts Coronavirus before your trip
  • is told to self-isolate by a doctor, the NHS or an educational or child-care setting following the advice of a public health authority, and the time needed to self-isolate goes past your original departure date (evidence may be required)
  • is not allowed to board due to health checks that result in a positive Coronavirus PCR test taken within 48 hours.

What Coronavirus cover do you have when you’re on holiday:

We will cover overseas medical and repatriation (the cost to get you home) expenses as long as the Foreign and Commonwealth Development Office (FCDO) have not advised against travelling because of Coronavirus.

We’ll also cover any additional accommodation and travelling home costs you may have if you have to self-isolate on holiday, including if this goes past your original return date (for example, if there is an outbreak of Coronavirus in your hotel or resort).  

What’s not covered:

Santander Travel Insurance won't provide cover if you can claim back your costs (including cash equivalents such as vouchers) from anywhere else including any travel provider or compensation scheme.

It also won't cover the following:

  • You decide not to travel
  • Expenses you have because of any country’s government travel restrictions, including the UK
  • Travel restrictions made by a travel or accommodation provider
  • Financial failure of your travel or holiday provider
  • The FCDO advising against all travel or all but essential travel because of a Coronavirus outbreak

Always check before booking a trip

Before booking a trip or travelling, check the FCDO for travel advice. You can check the country you plan to visit to see the latest updates and whether it's safe to travel there. These updates may change regularly and at short notice during this current pandemic. Therefore, we strongly recommend that you check your cancellation rights with your travel provider before booking any overseas holiday.

For full details  of what's covered, including any excesses that may apply, exclusions and product terms and conditions, please read our travel insurance policy documents
 

Santander Travel Insurance will cover overseas medical and repatriation (the cost to get you home) expenses claims relating to coronavirus. However, if you're planning on travelling to or returning from anywhere that the FCDO has advised against, you won't be covered. This also applies if you're travelling through a country that's been advised against all or all but essential travel.

You won't be covered for any other claim relating to coronavirus (or any variation or mutation of it), such as cancellation. See our travel insurance documents for more information. 

For policies taken out before 12 August 2020

In some cases, we may be able to provide you with cancellation cover for Coronavirus-related claims. Please call Chubb customer services on 0800 519 9921. Lines are open Monday to Friday, 9am-5pm.

Always check before booking a trip 

You won’t have any cover if you're travelling to, from or through a country that the FCDO has advised against all or all but essential travel. So, it's best to check the FCDO for travel advice before booking a trip or travelling. These updates may change regularly and at short notice during this current pandemic. Therefore, we strongly recommend that you check your cancellation rights with your travel provider before booking any overseas holiday.

For full details of what's covered, including any excesses that may apply, exclusions and product terms and conditions, please read our travel insurance policy documents
 

This section applies to new policies taken out from 12 August 2021.  Please also see ‘Coronavirus (Covid-19) cover for policies taken out from 12 August 2021’ as this section also applies.

If you took out a travel insurance policy before this date, please see your policy documents for full details of your cover.

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 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:

You won’t be covered for any Coronavirus-related cancellation claim when travel restrictions have been put in place by the government or your travel provider. Please see the section, ‘Coronavirus (Covid-19) cover for policies taken out from 12 August 2021’ above for more details.  You’re also not covered for the following:

  • 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 except for cancellation claims as mentioned above. 
  • 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. 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. 

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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