Emergency medical expenses
This includes the cost of emergency treatment. It also includes additional transport and accommodation expenses if your stay is extended or you need to return home early.
Manage online or over the phone
You can buy upgrades, make and monitor claims, and get confirmation of your cover through an online portal or over the phone.
Trip cancellation
You're covered if you need to cancel your trip or cut it short due to unforeseen circumstances. See the policy document for qualifying reasons.
Temporary travel documents
You're covered for getting emergency temporary replacement passports, visas or driving licences to get you home or safely on your way.
Delays to your holiday
This includes delayed departures, returns and connections. It also includes if you choose to abandon your outbound departure altogether due to delays. See your policy document for details on the scenarios covered.
Personal belongings
In case your personal belongings and money are lost, stolen or accidentally damaged. See the policy document for details of what items are excluded and other conditions.
Who is covered?
All FlexPlus current account holders, their partners and dependent children, so long as the person is aged under 70. For anyone aged over 70, you'll need to buy an age upgrade.
You're covered whether you travel together or independently.
Your partner is the person the account holder lives with at their home address. You should be in a relationship, whether married or living together, regardless of gender.
A dependent child is any child, including a legally adopted, fostered or stepchild, of the account holder. To be covered, they must be all of the following:
- under 18, or under 24 if in full-time education, on the start date of the trip
- living with the account holder or their other parent, and
- not married or in a civil partnership.
When does the cover start?
As soon as your FlexPlus current account opens. This includes travel insurance as well as mobile phone insurance and breakdown cover.
Sometimes, we might not be able to open your account straight away. For example, if you're opening a joint account and we need additional signatures. In these cases, your cover begins as soon as you get our letter or email saying your account is open.

Learn more about FlexPlus
Before you apply for a FlexPlus current account, make sure you don't already have travel insurance. You could end up paying twice for the same cover.
Mobile phone insurance
For your family's mobile phones, no matter where you take them.
Breakdown cover
For journeys anywhere in Europe.