25 October 2019

Brexit and travel plans during half-term

We’ve been closely monitoring all developments regarding Brexit and we have been preparing to deal with any outcome.

More specifically we know many people will be thinking about their holiday plans over half-term and what Brexit uncertainty will mean for them. Please see below some information which we hope will answer those immediate questions around travel insurance and Brexit.

Will my travel insurance still be valid if there is a no deal Brexit?

Yes, your travel insurance will continue to be valid even if there is a no deal Brexit.

Will my travel insurance cover me in the event of travel disruption?

Yes, if you booked trips and were eligible for travel insurance through your Nationwide Current Account before any disruption was known about Travel Delay and Trip Abandonment cover will apply in line with the current terms and conditions.

Your policy won’t provide cover if you miss your departure where you haven’t left sufficient time to travel to your departure point, e.g. if your planned route would usually take 2 hours and it is publicised in the media that the same journey is taking 4 hours, if you don’t allow this extra time your claim may not be covered. That’s why it’s important you make yourself aware of any potential disruption to your planned route.

You also won’t be covered if you were already aware of travel disruptions or risks to your arrangements when you booked the trip, opened your account or bought an upgrade.

Our Guidance:

As there is the potential for disruption, please plan accordingly. We advise customers to:


  1. Allow plenty of time to get to and travel through railway stations, airports or ports when travelling to the European Union (EU) and check with your travel provider to see their latest advice on how early you need to arrive at your departure point.
  2. Ensure that any travel documentation such as passports have adequate time remaining on them. You can check at passport checker.

Will Nationwide travel insurance cover me for healthcare currently provided under EHIC (European Health Insurance Card)?

If the UK leaves the EU without a deal, the EHIC may no longer be valid. In those circumstances, our policies will continue to provide cover for emergency treatment in state hospitals in European countries which would have previously been covered by the EHIC.

Please note: Nationwide travel insurance does not replace the EHIC on a like-for-like basis in relation to treatment that you are already aware you will need (e.g. ongoing kidney dialysis) and you should talk to our insurer about any pre-existing medical conditions.

Will there be changes to things I can claim for if there’s a no deal Brexit?

We do not currently foresee making any changes to the terms and conditions of our policies because of Brexit. However, as with all our products, the cover and terms of the policy are regularly reviewed to make sure they’re the right fit for our members.

We will give you at least 30 days’ notice of any changes to terms and conditions.

Remember to check your travel insurance cover meets your needs as soon as you book your trip and whether you will need to purchase any upgrades to your cover.

What happens if I live outside the UK?

If you live outside the UK in one of the 27 states of the European Union, Brexit could mean that there are changes to the services we can offer you. At the moment, we don’t know what these changes might be, given the current political uncertainty.

Make sure we’re up to date

To make sure we can contact you as soon as we can, please make sure we have the most up to date contact details. Here’s how you can update your contact details.

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