How Brexit may affect your travel insurance

We’ve been monitoring all developments regarding Brexit and we have been preparing to deal with any outcome. We know many people will be thinking about their travel insurance and travel plans, and what Brexit uncertainty will mean for them. Please see below information which will answer your immediate questions.

Please note: In the event of a no-deal Brexit, your travel insurance will remain valid.

Travel disruption

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

However, your policy won't provide cover if you miss your departure where you haven't left sufficient time to travel to your departure point. For example, if your planned route would usually take 2 hours and it is published in the media that the same journey is taking 4 hours, if you don't allow this extra time then your claim may not be covered.

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

Our travel guidance

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). Check with your travel provider to see the latest advice on how early you need to arrive at your departure point.
  2. Ensure that any travel documents, such as passports, have adequate time remaining on them.   

European Health Insurance Card

If the UK leaves the EU without a deal, the EHIC (European Health Insurance Card) may no longer be valid. In this case, 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). You should talk to our insurer about any pre-existing medical conditions.

Changes to what can be claimed for in 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 the terms and conditions.

Remember to check your travel insurance cover meets your needs as soon as you book your trip. You should also check if you will need to purchase any upgrades to your cover.

If you live outside the UK

If you live outside the UK in one of the 27 states of the European Union, Brexit could mean changes to the services we can offer you. However, at the moment we don’t know what these changes might be.

Make sure you’re up to date

To make sure you're kept up to date with any changes to your Nationwide travel insurance, please make sure we have your most recent contact details. Here's how you can update your contact details.