FlexPlus includes Worldwide Family Travel Insurance. You can change your cover to suit you.

What's included

  • Worldwide cover for your family including: winter sports, golf, wedding and business cover all included as standard
  • Cancellation cover up to £5,000 per insured person
  • Cover for additional expenses where an insured person has checked-in and the transport is delayed by 4 hours or more
  • Medical expenses cover up to £10m per insured person
  • Cover for travel disruption caused by natural disasters or airline/travel end supplier failure
  • Cover for personal possessions and cash that are lost or stolen (limits apply)
  • Costs associated with obtaining key travel documents (e.g. passports) whilst on your journey
  • Allows all account holders, their partners and dependent children to travel independently of each other

Please read the full terms in the policy document (PDF) and Insurance Product Information Document (IPID).

What's not included

  • This policy does not provide cover for pre-existing medical conditions unless declared to and accepted by us. An extra premium may be required
  • There is an upper age limit of 69. If any person to be insured is aged 70+ you must buy an age extension, which you need to renew annually in order for us to cover you. There is an annual premium of £65 and only one is required per account. When you call, you will be asked some questions about the health of all insured persons
  • Trips for longer than 31 days are not covered unless extended journey cover has been purchased
  • A £50 excess per person applies to certain sections (see conditions)
  • The policy is only available to permanent UK residents, and all journeys must start and end in the UK
  • Journeys in the UK must be for 2 or more nights in pre-booked commercially operated accommodation
  • Any claims under the cancellation and curtailment sections of the policy relating to a member of your immediate family or a travelling companion who have been a hospital inpatient or put on a waiting list for hospital treatment in the 12 months before account opening or trip booking, whichever is later, are not covered
  • There is no cover under the cancellation and curtailment sections of the policy for the unused expenses of anyone who is not insured under this policy. For example, there is no cover for unused expenses relating to a travelling companion, regardless of who paid for the booking

Please read the full terms in the policy document (PDF) and Insurance Product Information Document (IPID).

Who is covered?

  • The insurance covers all Nationwide FlexPlus current account holders, their partners and dependent children, and allows them to travel independently of each other throughout the year.
  • Definitions:

    • Dependent Children

    • All children (including legally adopted, foster and step children) of the account holder who at the start date of the journey have not reached the age of 19 or not reached the age of 22 if in full time education, living at the home address and are unmarried or have not entered into a Civil Partnership.
    • We will cover dependent children who do not reside permanently (or for the majority of the time) with the account holder, providing the child(ren) reside permanently with the other parent for the remainder of the time.

      Partner

    • The person the account holder lives with at your home address in a relationship, whether married or cohabiting, as if husband and wife or civil partners, regardless of gender.
  • There is an upper age limit of 69. If any person to be insured is aged 70+ you must buy an age extension, which you need to renew annually in order for us to cover you. There is an annual premium of £65 and only one is required per account. When you call, you will be asked some questions about the health of all insured persons

Existing medical conditions

This insurance does not automatically provide cover for medical conditions suffered by you or anyone else to be insured by this policy. If you or anyone to be insured by this policy has a pre-existing medical condition and want to see if additional cover is available for that condition, you can call the insurer U K Insurance Limited on 0800 051 01 54 to arrange a medical screening. If you choose not be screened then any claims relating to a pre-existing medical condition will not be covered.

When am I covered?

Cover will be in place as soon as the account is opened.

How can I change my cover?

The FlexPlus Worldwide Family Travel Insurance offers a range of ‘Top-up’ insurance covers each for an additional premium:

Optional upgrades
Upgrades Cost
Age upgrade if you or anyone to be insured are 70+

There is an upper age limit of 69 on the FlexPlus Worldwide Family Travel Insurance. If any person to be insured is aged 70+ you must buy an age extension, which you need to renew annually in order for the insurer to cover you. Only one age extension is needed per account and when you call you will be asked some questions about the health of all insured persons.

£65 (including Insurance Premium Tax)
Pre-existing Medical Conditions

The policy will not automatically cover claims directly relating to a pre-existing medical condition. If you do not tell the insurer you may not be covered. The insurer will discuss the condition(s) and advise whether they can cover them for free, if an additional premium is required or if they can’t cover the conditions.

Variable depending on the medical condition(s)
Excess waiver

There's a standard excess of £50 on most claims. You can pay extra to waive this excess.

£4.50 (including Insurance Premium Tax)
Hazardous activities cover

You can upgrade your travel insurance to cover hazardous activities such as bungee jumping. Remember winter sports and golf are already included as standard. For full details of what is covered and what isn't, please see your policy document.

£45 (including Insurance Premium Tax)
Extended cover for a trip lasting longer than 31 days

You're covered for a trip that lasts up to 31 days as standard. If you're planning a longer trip, you can pay to extend your cover.

Variable depending on the length of your trip
Extension of cancellation cover

If you are planning a trip and the value of that trip exceeds the maximum amount under the Cancellation section of the policy, you can extend the amount of cancellation cover available for that single trip.


Variable depending on the cost of the trip
Guest cover

If you want to add cover for anyone other than the account holder, their partner or any dependent child.

 Variable depending on cover

Premiums correct as at 03/01/2019 and are subject to change.

To purchase any of the above top up insurance covers please contact the insurer on 0800 051 0154 8am–9pm Monday– Friday, 9am–5pm Saturday and 10am-5pm Sunday.

Any upgrades purchased are only valid whilst you remain eligible for FlexPlus Travel Insurance, and are subject to all the same terms and conditions as the standard policy.

What happens if my circumstances change?

  • If a family member stops living at your address they’ll no longer be covered
  • Once you turn 70, you'll need to contact the insurer to buy an age extension, which you need to renew annually in order to remain covered. There is an annual premium of £65 and only one is required per account. When you call you will be asked some questions about the health of all insured persons. The number to contact is 0800 051 01 54
  • If you cancel your FlexPlus current account your cover will come to an end.

How do I cancel?

You can cancel your insurance cover at any time. This can be done by closing your FlexPlus account, at which point the benefits and services of our cover will no longer be available. Give us a call on 0800 11 88 55 to find out more.

If you cancel any of the benefits or services of your FlexPlus account, the account must be closed or switched to another current account that you are eligible to open. No refund will be due upon cancellation.

What if I've already got cover?

You may be paying twice for the same cover, so you’ll need to consider which policy provides the best cover for you.

Should I let you know before I travel?

You don't need to tell us before you travel as your cover is already in place as soon as you open your FlexPlus account.

What should I take with me?

Make sure you have the claims phone number, your FlexPlus account number and your travel insurance policy document.

FlexPlus Worldwide Family Travel Insurance is underwritten by U K Insurance Limited.

Need assistance?

For 24hr travel medical assistance call the insurer directly:
+ 44 141 349 01 09 (Abroad)
0141 349 0109 (UK)
24 hours a day, 7 days a week

For none travel medical claims call: 
0800 051 01 64 (UK)
Monday to Friday: 8am - 6pm

For general enquiries call:
0800 051 01 54 (UK) 
Monday to Friday: 8am - 8pm
Saturday: 9am - 5pm
Sunday: 10am - 5pm



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