Q&As
There can be a lot to take in when choosing your travel insurance policy and you should read through the main features of the policy before you decide to buy.
Cover
How can I get a policy document?
What is an E111 or European Health Insurance Card (EHIC) and what cover does it provide?
Why should I purchase travel insurance when I have other insurance policies?
Will you cover me if I have a health condition?
Won't my home insurance cover me during my trip?
What if my luggage is covered on my household policy?
Why is trip cancellation/curtailment cover important?
Will you cover me for cancellation/curtailment of my holiday due to terrorist activity?
Am I covered if I cancel my trip due to my redundancy?
If I change my mind after purchasing, am I entitled to a refund?
Can a foreign national purchase a policy?
Is there anything the policy does not cover?
Am I eligible for Nationwide Travel Insurance?
Why don't you provide worldwide annual multi-trip travel insurance for customers aged 65 or over?
I am under 80 years of age but my partner isn't. Can we still have Nationwide Travel Insurance?
What is Homewatch?
Who does the family policy cover?
How do I renew my policy?
How can I get my policy document?
You can print off the policy document online. If you buy travel insurance, we'll send your policy schedule and policy document to you by e-mail, or by post if requested.
Why should I purchase travel insurance when I have other insurance policies?
Our policy combines insurance coverage and travel assistance services into a comprehensive package that protects both you and your investment before and during your trip. It is important to remember to safeguard you and your family against the unexpected when planning a trip. Our travel insurance can give you this peace of mind. Credit card insurance policies may provide limited protection, but this is usually only offered when you purchase your tickets with that particular credit card.
What is an E111 or European Health Insurance Card (EHIC) and what cover does it provide?
E111 forms were replaced by EHICs on 31 August 2005. An EHIC is a form available from your local post office that entitles you and your family to free or reduced-cost emergency medical treatment in most of Western Europe. For more information visit the Department of Health site.
Only emergency treatment provided by state hospitals is covered and you receive care on the same terms as nationals of the countries you're visiting. Treatment may not include all the things you would expect to receive free on the NHS. The EHIC form does not cover you for repatriation to your home.
Will you cover me if I have an existing health condition?
If your existing health condition is listed in the medical warranty, we may be able to provide cover for you. If your existing health condition(s) is not listed please call 08456 41 97 20 and an advisor will be happy to explain the options available to you.
Back to topWon't my home insurance cover me during my trip?
It is a good idea to check your current insurance policies for the coverage they offer when you are travelling, for instance some home contents policies cover your personal belongings whilst you're out of the country.
What if my luggage is covered on my household policy?
You will receive a 12.5% discount on your travel insurance premium if you choose to exclude personal possessions and personal money cover.
Why is trip cancellation/curtailment cover important?
All travel suppliers, tour operators, cruise liners or airlines have cancellation penalties. These penalties become more severe as your departure date gets closer and if you cancel you will lose whatever money you have put down as deposit or final payment.
Will you cover me for cancellation/curtailment of my holiday due to terrorist activity?
The policy will NOT cover for any acts of war or terrorism. If the Foreign Office states that a country is unsafe to travel to you would automatically not have any cover under your policy. If you have booked your trip through a tour operator or travel agent, they will refund these costs for you OR offer a holiday at an alternative destination.
Back to topAm I covered if I cancel my trip due to my redundancy?
You are covered up to the sums insured if you have to cancel due to your redundancy provided that you were not aware of this at the time of booking.
If I change my mind after purchasing, am I entitled to a refund?
You have a 14 day cooling-off period from receipt of your policy when you are entitled to a full refund if the policy does not meet your needs.
Can a foreign national purchase a policy?
Cover is available to all persons who have their main home in the UK and have not spent more than six months abroad during the year before the policy was issued. All journeys must start and end in the UK.
Is there anything the policy does not cover?
As with all insurance policies, certain exclusions apply. Please read the policy document for full details. If you have any further queries, please call us on 08456 41 97 20.
Back to topAm I eligible for Nationwide Travel Insurance?
You can have Nationwide annual and single trip travel insurance if you and any other adults named on your policy are aged between 18 and 79 inclusive and permanently reside in the UK. Up to 4 children can be included on a family policy if they are aged 5 or under, or up to the age of 22 if they are in full time education. Annual multi-trip cover for customers aged between 65 and 79 is for Europe only.
Why don't you provide worldwide annual multi-trip travel insurance for customers aged 65 or over?
Unfortunately, we haven't been able to find an underwriter who is willing to provide comprehensive worldwide annual cover at competitive premiums for customers aged 65 and over. This is due to the higher average claims costs for older customers.
However, if you are aged between 65 and 79 (inclusive), we can offer worldwide single trip cover, get a competitive quote now.
I am under 80 years of age but my partner isn't. Can we still have Nationwide Travel Insurance?
We can offer travel insurance to you. However, we are unable to provide travel insurance for customers over 80 years of age.
What is Homewatch?
This is available on both our single trip and annual multi-trip policies. You can call our 24 hour Homewatch helpline for assistance if a problem occurs at your home during your journey.
We will help arrange and pay up to £350 in total towards the following costs for a tradesman to make your home secure:
- up to the first hour's labour charge
- up to the first £50 for spare parts needed for repairs
- up to £200 in total for the cost for one night’s accommodation in a local hotel for all of the usual occupants of your home, if after you return home an independent assessor thinks your home is uninhabitable
We will do this if one of the following happens while you are on your journey:
- the domestic gas or electricity supply fails
- the internal heating, plumbing or drainage system fails
- there is accidental or criminal damage to the external buildings, roof or exterior locks, doors or fixed glass
Who does the family policy cover?
Family cover applies to you and your partner and up to four children (including foster children) up to the age of 22 who normally reside in the parental home and, if over five years of age, are in full time education.
The two adults are covered to travel independently of each other with any of the insured children. The children are able to travel independently as long as they are with a recognised organisation or school.
You can add any further family members just by calling us on 0500 30 20 16.
How do I renew my policy?
You can renew your travel insurance by calling us on 0500 30 20 16. Our telephone lines are open between 8am and 6pm Monday to Friday and 9am and 3pm on Saturday's.
Alternatively open a new policy by purchasing online and save 10%.
Please note that if you have annual multi-trip cover and are still eligible for this cover, we will send you a renewal notice 21 days prior to the expiry of the period of insurance as shown on your policy schedule. Should you no longer be eligible for annual multi-trip cover after your existing policy expires, we will write to you prior to the expiry of the period of insurance to outline the options available to you.