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Lloyds Bank Travel Insurance Your policy booklet - June 2016 edition

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HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » Lloyds Bank Travel Insurance

Lloyds Bank Travel Insurance Review and Quotes

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Table of Contents

It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Lloyds Bank is the right company to go on holidays with?

In this definitive Lloyds Bank review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Lloyds Bank the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Lloyds Bank travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,4 Safe overall rating for Lloyds Bank

Lloyds Bank travel insurance reviews by expert and consumers

To check if Lloyds Bank is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Lloyds Bank travel insurance cover?

Lloyds Bank travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

Lloys Travel Insurance covers individuals, couples and families.

Lloyds Bank single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Lloyds Bank:

Lloyds Bank winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is available as standard but does not include all winter sports activities. You can expect the following benefits with the winter sports cover:

• Up to £300 ski equipment cover
• Up to £5,000 unused portion of ski pack due to injury or illness
• Up to £150 lift pass cover
• Up to £150 piste closure cover
• Up to £300 for ski equipment hire.

What are the other travel insurance options available at Lloyds Bank?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Lloyds Bank before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Lloyds Bank travel insurance?

You'll find below indicative quotes per level of cover at Lloyds Bank:

It is, however, quite difficult to give precise price ranges as Lloyds Bank travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Lloyds Bank?

There are no discouns mentioned on the website of policy documents.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Lloyds Bank.

What else should I know about Lloyds Bank travel insurance?

What are the general exclusions at lloyds bank travel insurance.

To be eligible for a travel insurance policy at Lloyds:

• You must be a resident of the UK
• You must be registered with a medical practitioner in the UK
• You must be within the age limit stated for your cover
• You must not exceed the duration of trip or visit a geographical area in which you are not covered based on your level of cover
• You must travel out of the UK or solely within the UK provided that you have pre-booked at least two consecutive nights paid accommodation on a holiday or pleasure trip.

How do I get travel insurance quote from Lloyds Bank?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Lloyds Bank is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Lloyds Bank website?

Through the customer portal, you can:

• Access your travel insurance policy documents
• Upgrade your cover
• Change personal information like family details or the names of the people on the policy
• Complete medical screening questionnaire
• Register a claim.

You can access your customer portal through the online banking homepage.

How to claim at Lloyds Bank travel insurance?

There are 2 ways to make a claim and that is by either calling the claims department or online.

How do I contact Lloyds Bank travel insurance?

Lloyds bank contact phone numbers, lloyds bank other contact details, how to cancel your annual lloyds bank travel insurance policy.

You will find below main information to cancel your travel insurance policy at Lloyds Bank:

Our opinion on Lloyds Bank travel insurance

Lloyds Bank plc is a British retail and commercial bank that is authorised by the Prudential Regulation Authority and regulated by both the Financial Conduct Authority and the Prudential Regulation Authority.

The company's travel insurance policies come as standard when you open a bank account at Lloyds. The insurance covers may vary depending on the type of account you choose to open. There are 4 types of accounts available which represent the different levels of coverage you get: Silver, Gold, Platinum and Premier.

All accounts offer multi trip travel insurance but vary when it comes to destination coverage.

We would recommend Lloyd to anyone looking to open a bank account that comes with travel insurance coverage as standard.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

Helping you make the most out of your money

Searching Money Mentor . . .

Is credit card travel insurance any good.

Updated April 10, 2024

In this guide

We explain how travel insurance on credit card works and look at the pros and cons of using it.

Some rewards credit cards offer travel insurance. However, your credit card is unlikely to give you all the cover you need as full medical insurance is not included.

This article will cover:

How does travel insurance on credit card work?

• Which credit cards offer free travel insurance?

Should I pay for my holiday with a credit card?

Travel insurance or credit card.

• How do you claim money back on travel insurance?

Related content: What are my flight refund rights?

First, it’s important to establish what is meant by travel insurance . If you mean getting a refund if the trip is cancelled or goes wrong, then yes, you may be.

Credit card providers are bound by strict consumer laws set out in Section 75 of the Consumer Credit Act, which covers purchases of £100 to £30,000 should the merchant be liable to you.

But credit card providers do not offer full travel insurance, as they do not pay out for medical issues that may arise during a trip overseas.

They will also not necessarily pay out in the event of lost luggage and do not necessarily include other features that are common in standard travel insurance policies, such as personal liability.

Some providers offer “travel accident insurance” – sometimes for free – but this is not necessarily as comprehensive as full medical cover offered through standalone travel insurance policies.

Accident insurance covers accidental death or an accident resulting in permanent injury such as loss of limb or sight. But hospital treatment for less “serious” conditions is not covered. 

There is a card that offers comprehensive travel insurance, including medical cover. This the Platinum card from American Express , which comes with a fee of £575 a year. However, be mindful that each travel insurance policy comes with its own specific policy terms.

But this is a charge card, not a credit card. The difference is that, unlike with a credit card, the customer has to pay the entire balance each month and does not come with any protection under Section 75 of the Consumer Credit Act.

Credit cards that offer free travel accident insurance

American Express is the only credit card provider in the UK that offers free travel insurance.

The best credit card for travel insurance will depend on how much you are willing to pay, and what you want covered.

• American Express Platinum Cashback Everyday – Annual fee: £0 What’s covered? Travel accident insurance worth up to £150,000. Travel delay: no
• American Express Preferred Rewards Gold – Annual Fee: £140 (£0 in first year) Travel accident Insurance: £250,000, Travel delay: Yes, up to £600.
• American Express Rewards – Annual Fee: £0 Travel accident insurance: £150,000,  Travel delay: no.
• British Airways credit card (American Express) – Annual fee: £0 Travel accident insurance: £75,000. Travel delay: no.
• Vitality (American Express)  – Annual fee: £0 Travel accident insurance: £150,000, Travel delay: no.

There is also the Chase Sapphire Reserve card. This offers generous travel rewards, but this card is not available in the UK.

There may also be other credit card providers that provide Travel Insurance as an add on or at a discount. For example, the Santander World Elite card offers a 40% discount on travel insurance.

The main benefit of using a credit card is the payment protection .

Under Section 75, UK consumers are protected if something goes wrong with a purchase, for which the merchant would be liable for, costing between £100 and £30,000.

So if your holiday does not go ahead for some reason of which the merchant is liable for, you should get your money back if you have paid through a credit card (depending on the reason for the cancellation).

Some merchants used to charge extra for payments made through a credit card.

But the surcharges have been banned since January 2018. So paying for holiday expenses using a credit card should not cost you any more than paying through a debit card.

Before using a credit card, ask yourself if it is likely to take you a long time to pay the money back. If you fail to pay the full balance of your card by the due date, you may be charged interest that will bump up the cost even higher.

Find out more: Nine things that you need to know before booking your next holiday

Paying for holidays on a credit card

Section 75 of the Consumer Credit Act gives you a good chance of getting your money back should your trip not go ahead as planned. 

If you have booked a holiday or flights costing between £100 and £30,000, and paid either a deposit or the full price on your credit card, you should be able to make a claim if:

• The airline goes bust
• The holiday company goes bust
• Or the holiday isn’t as described. 

The good news is that you don’t have to pay for the cost of the entire holiday on a credit card to be covered by Section 75.

Even if you just put a small deposit on a credit card and want to pay the rest in cash or using a debit card, you are still entitled to a full refund if something goes wrong.

The key is to fund part of the holiday using a credit card. This could be just a £50 holding deposit.

There is no minimum amount that needs to be paid on a card, as long as the cash price of the product (for example, a flight, hotel or travel package) is between £100 and £30,000.

But not all situations are covered by Section 75, as discussed below.

What is typically covered?

• A cancellation by the travel provider.
• The travel company, airline or accommodation provider going bust before or during the trip.
• The holiday not being as described.
• Additional expenses as a result of an issue that is not your fault. For example, if the airline collapses while you are away and you have to pay for more expensive flights to get home.

What isn’t covered

• If you paid for your holiday through a third party – for example, PayPal or Amazon marketplace. However, these often have their own payment-protection schemes, which do not necessarily afford the same level of protection as that of Section 75.
• The purchase was made by a family member using an additional card – unless the main cardholder is also on the trip.
• You choose not to take the holiday because you have changed your mind.
• The credit card is used to make a cash withdrawal, and you then pay for the holiday using that cash.

Will my credit card cover a holiday cancelled due to the coronavirus?

Travel rules and restrictions have changed frequently over the past 18 months. 

As discussed above, the protections provided by Section 75 mean you should get your money back if you have paid money in advance for a holiday that can no longer be provided because of the Covid-19 pandemic.

If you have paid for your trip using a debit card, you can make a claim using chargeback. This is when the bank tries to reclaim the money you paid to the holiday company on your behalf. 

Credit cards also have their own version of chargeback. This could be another route if your claim doesn’t meet the criteria of Section 75.

Many will wonder whether their credit card offers enough protection or whether to buy travel insurance on top to ensure they are “fully” covered.

The answer is that you need to review or seek independent advice on the terms of the policy provided via your credit card provider, to establish whether you would benefit from taking out a separate travel insurance policy to ensure that you are covered for additional eventualities.

This is because comprehensive medical cover, essential for trips abroad, is primarily offered by insurance companies and not by credit card providers.

If you need hospital treatment abroad and do not have health insurance, medical expenses could run into thousands of pounds. According to an example from the Foreign Office , a fall in Spain that results in a broken hip, hospital treatment and an unplanned flight back to the UK would cost you about £15,000.

When taking out health travel insurance, you must state whether you have a pre-existing medical condition.

Full travel insurance will typically include contingencies for common travel problems such as transport delays, lost luggage or stolen items.

However, paying by credit card offers a good chance of financial compensation if your trip doesn’t go ahead as planned.

In some cases it may be better to make a refund claim through your card provider, rather than through your insurer. This is because some travel policies charge an excess fee for claims.

For more information: What are your travel rights?

When should I purchase travel insurance?

• You should consider travel insurance for any trips abroad. Most importantly, to ensure you are covered for any medical emergencies. If you have pre-existing conditions, these can also be covered as long as you have declared them, but you will likely need to seek out a speciality policy that covers pre-existing conditions
• For peace of mind, to get help and redress for common problems such as lost luggage, baggage delay or a stolen passport.

The strengths of credit card travel protection 

• Gives protection if the travel company goes bust
• Should deliver a refund if the holiday provider doesn’t deliver as promised
• Will likely not charge an excess fee for making a claim

How do you claim money back on credit cards?

When making a claim, your card provider will expect you to have tried to negotiate with the holiday company first.

If this fails, keep copies of all correspondence and then approach your credit card provider. There might be a phone number on the back of the card. Alternatively, contact details will be given on their website. 

Travel insurance providers also expect travellers to chase a refund with the holiday company before making a claim.

It is worth bearing in mind that not all travel insurance policies cover coronavirus-related disruption .

Important information

Some of the products promoted are from our affiliate partners from whom we receive compensation. While we aim to feature some of the best products available, we cannot review every product on the market.

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Lloyds Bank: Travel Insurance reviews

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About the Travel Insurance

Do you buy travel insurance before going abroad? There are hundreds of different travel insurance policies on the market, all designed to help you stay protected while travelling...and giving you piece of mind, whether you're enjoying a sun swept beach or on an adverture-packed holiday. But with so many different policies to choose from, finding the right policy for you can be quite confusing. Reading our Lloyds Bank travel insurance reviews can help you find out what other travellers have to say. You can also write your Lloyds Bank travel insurance review too!

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Lloyds bank travel insurance reviews ( 46 ), do not waste your time with allianz, shocking company, success at financial ombudsman.

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• UK Cruisers

Llloyds Bank insurance not adequate

By Neecy1 , June 11, 2022 in UK Cruisers

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I'm sure this has been covered in the past but can't seem to find it. We have insurance with lloyds bank but from the wording it looks like we are not covered for repatriation due to covid. I've got a quote from holiday Extras via p&o website but it's come back as over £200 for our 2 week cruise. Just wondered if anyone can advise what they did in a similar situation. I seem to remember there was a top up policy for a lot less? Thanks for any help

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Apologies please ignore. Weve phoned the bank and we are covered for this. They are emailing us a certificate 

Thanks for the post!

I am utterly confused as to buying travel insurance. MSC says it must cover cancellation, interruption, repatriation expenses, quarantine, medical assistance and related expenses, as well as hospitalization.

Does your insurance through the bank cover you for that word for word? And if not, what does it say it you don't mind me asking? Thanks!

Hi. My other half rang bank and read the p&o requirements to them. They said yes we were covered. Apparently existing customers only. We have a platinum account. We'll study the documentation when it arrives of course. I agree, so confusing.

The Lloyds policy is with Allianz who are acknowledged as one of the market leaders.  However be aware of the following:

Quarantine payments are limited to £1,000

Basic cruise cover is included but there is no cover for things like missed ports (some cruises are currently have a lot of port alterations).

I have this policy attached to my Halifax (part of Lloyds group) account and researched it very thoroughly last year.  Due to the complexity of some of my travel arrangements I purchased a new policy with very detailed cruise and covid cover from, on this occasion the Post Office.  I'm 66 years old with a few minor existing medical conditions to declare and a full worldwide policy with every bell and whistle cost £330.  I have literally every add on you can think of for that price.

Hi Megabear. Thanks for the info. I do remember you researching all aspects of insurance.

We're not bothered about missed ports. Just happy to be on the ship but I can understand others feeling frustrated. We'll have a look at the policy wording when it arrives. Thanks for info about post office.

On 6/12/2022 at 1:19 PM, Neecy1 said: Hi Megabear. Thanks for the info. I do remember you researching all aspects of insurance.   We're not bothered about missed ports. Just happy to be on the ship but I can understand others feeling frustrated. We'll have a look at the policy wording when it arrives. Thanks for info about post office.

Our insurance was with Lloyds Bank until last April.  We were assured everything that was needed to cruise last year was covered but DH did ask them to put that in writing clearly - the policy document did not state that all needs were covered.  So we turned up to cruises with that extra wording, plus the policy document with certain things highlighted.  Not sure if that wording has changed now.

We have changed to another insurance when the length of individual holidays went down after their change of underwriter (possibly not the right word, please excuse if not).   I think it reduced from about 45 days to 30 days, which is not adequate for us, otherwise no problems with them as insurers, other than we recently had to pay for our account, c.f. the previous free situation if we kept to a certain minimum balance. 

We now have cover for hols up to 60 days, but have lost the disruption insurance which was good, though in the current climate we will be sticking to packages or will have holidays put together by an agent, e.g. Kuoni who have put together a couple of individual long haul hols for us previously at good prices and service/hotels were brilliant, (we were upgraded in most hotels).

Thanks Tring. We have now received the letter from Lloyd's and it is adequate. It is 31 days which is fine for us. 

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My free travel cover from Lloyds doesn’t get me very far

I pay for its Premier account, which includes travel cover, but it excludes my heart condition

I have a paid-for Premier account with Lloyd’s Bank, which has certain benefits, including free travel insurance. This covers me for standard mishaps, including medical insurance for accidents and illness while abroad. It does not (understandably) cover me for a pre-existing condition – in my case, heart failure.

However, when I approach insurance companies for this extra cover I have to pay for the whole travel package (lost luggage, standard illness, etc), thus missing out on the benefit of having a Premier account. Is there any insurance company that will just give me cover for my condition? RD, Shropshire

You need to call Lloyds and ask what it will cost to top up your existing policy to include your existing condition. Banks – including Lloyds – generally offer to cover existing conditions for a fee, although be aware that it can often be cheaper to buy a whole new policy elsewhere. Compare prices before handing over any more money to Lloyds. Consider just buying single-trip policies rather than an annual one if you are not planning to be away that much.

Medical Travel Compared and JustTravelCover are good comparison websites that will help find specialist providers. If you plan to stay in Europe, EHICPlus is recommended as it has offered good value for pre-existing conditions.

If you buy cover elsewhere, you need to decide whether it’s still worth paying the expensive £25 monthly fee to Lloyds for its Premier account. It’s easy to downgrade to a free one.

We welcome letters but cannot answer individually. Email us at [email protected] or write to Consumer Champions, Money, The Guardian, 90 York Way, London N1 9GU. Please include a daytime phone number

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Travel insurance

Gold travel insurance.

One of our Gold account benefits is travel insurance. The built in travel insurance offers comprehensive cover when travelling and includes winter sports cover.

If you experience difficulties while abroad, you can rest easy with the 24/7 emergency medical assistance. Wherever you are in the world, one simple phone call will provide you with instant help and support, day or night.

• Family cover includes you and your partner, plus any dependent children under age 18 at the start of the journey, (under 23 if they’re in full-time education). 
• Children must be living at the home address (or with the other parent), and be neither married or in a civil partnership.
• Your partner is the person you, the account holder, lives with at the same home address in a relationship, whether married or cohabiting.

For more information on how coronavirus (COVID-19) affects your Gold account travel insurance, please review our  frequently asked questions .

Emergency medical assistance and claims

If you are injured or ill while you are away, please contact us on:

Contact number until 16th July 2024

020 8763 3046

Call +44 (0) 20 8763 3046 from abroad

Using Relay UK? Call 18001 020 8763 3046

Contact number from 17th July 2024

020 3433 3989

Call +44 (0) 20 3433 3989 from abroad

Using Relay UK? Call 18001 020 3433 3989

email:  [email protected]

Lines are open 24 hours a day, 365 days a year. Calls may be recorded.

Non-emergency assistance and claims

For non-emergency claims, please contact:

023 9267 6061

Call +44 (0) 23 9267 6061 from abroad

Using Relay UK? Call 18001 023 9267 6061

email:  [email protected]

Lines are open 9am to 5pm, Monday to Friday. Calls may be recorded.

Your travel insurance documents

• Gold Account Insurance Product Information (PDF, 2 MB)

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Club Lloyds mortgage offer

Our Club Lloyds customers could be eligible for an exclusive discount on their initial mortgage rate.

Accounts & ISAs

Savings accounts

• Instant access savings accounts
• Fixed rate savings accounts
• Club Lloyds savings accounts
• Children's savings accounts
• Joint savings accounts
• Compare savings accounts
• Compare cash ISAs
• Help to Buy ISA
• Stocks & Shares ISA
• Investment ISA
• Savings calculator
• Save the Change®
• Savings help and guidance
• ISAs explained
• Savings interest rates

Already saving with us?

• Top up your ISA
• Transfer your ISA
• Tax on savings interest
• Your personal savings allowance
• Your ISA allowance

Club Lloyds Monthly Saver

Exclusive savings rate with our Club Lloyds current accounts.

Pensions & investments

• Compare investing options
• Share Dealing ISA
• Share Dealing Account
• Invest Wise Accounts (18 - 25 year olds)
• Ready-Made Investments

ETF Quicklist

• Introducing our ETF Quicklist
• View our ETF Quicklist

Guides and support

• Understanding investing
• Research the market
• Investing help and guidance
• Transfer your investments
• Trading Support
• ETF Academy
• Our Charges

Pensions and retirement

• Ready-Made Pension
• Combining your pensions
• Pension calculator
• Self-employed
• Pensions explained
• Top 10 pension tips
• Retirement options
• Existing Ready-Made Pension customers

Wealth management

• Is advice right for you?
• Benefits of financial advice
• Services we offer
• Cost of advice

Already investing with us?

• Log on to Share Dealing

Introducing the new Ready-Made Pension

A simple, smart and easy way to save for your retirement.

Show me how

Home, life & car

View all insurance products

Home insurance

• Get a home insurance quote
• Compare home insurance
• Buildings & contents insurance
• Contents insurance
• Buildings insurance
• Retrieve a home insurance quote
• Home insurance help & guidance
• Manage your home insurance policy

Car insurance

• Compare car insurance
• Car insurance help & guidance
• Log on to My Account to manage your car insurance

Life insurance

• Critical illness cover
• Mortgage protection insurance
• Life cover help & guidance

Other insurance

• Business insurance
• Van insurance
• Landlord insurance
• Make a home insurance claim
• Make a life insurance claim
• Make a car insurance claim

Already insured with us?

Support for existing customers

• Help with your existing home insurance
• Help with your existing life insurance
• Help with your existing car insurance

Get up to £100 cashback

Take care of what you value most, and we'll take care of you - a cashback reward with our range of insurance products: home, motor and life. T&Cs apply.

• Help & Support
• Branch Finder
• Accessibility and disability
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Internet Banking

Keep me secure

• In this section
• Travel Money
• Travel Smart

Help and support

• Using your cards abroad
• Using your debit card abroad

Travel Services

Our travel products can help make your trip abroad easier and may save you money.

Order travel money

Order  travel money today and benefit from:

• Free secure delivery to home or branch
• No commission or hidden fees
• Instant Euros and Dollars in branch
• More about travel money

Upgrade your bank account

Upgrade to a Platinum account and for a monthly maintaining the account fee you’ll get benefits including:

• Worldwide, multi-trip family travel insurance
• Mobile phone insurance

Benefits are provided by third party providers.

• More about our Platinum Account

Are you sending or receiving money outside the UK or in a foreign currency?

Our services are safe, simple, and secure..

• Learn more about our services

Using cards outside the UK

If you are using your Lloyds Bank debit or credit card outside the UK, make sure you are aware of our rates and charges.

More about rates and charges

Using debit cards outside the UK

Using credit cards outside the UK

Need further support? Find useful numbers and learn more about the costs of using your debit or credit card abroad.

Further help and support