Important information for Nationwide members

Unfortunately, no. As coronavirus is now a known event, it cannot be covered for any trips booked on or after the 18 March 2020.

We also cannot include cover for coronavirus with any new FlexPlus accounts. If you opened your FlexPlus account on or after 18 March, coronavirus will not be covered for any trips.

Unfortunately, no, there is no cover under your travel insurance.

You’ll need to speak to your travel provider to get a refund. Travel providers are dealing with high volumes of cancellations right now and it may take some time for your refund to be processed.

For trips booked through an ABTA or ATOL bonded agent, follow their advice for a refund by visiting www.abta.com/news/coronavirus-outbreak or www.caa.co.uk/COVID-19/.

All customers who are abroad, should now be seeking to return to the UK, as this is the advice from the FCO. You should speak to your transport provider in the first instance. If you are unable to use or amend your original return tickets your policy covers reasonable costs for additional accommodation and travel, less any refund you receive from your travel provider, subject to the policy limit.

If your travel provider is unable to assist you, the government are now arranging the repatriation of UK citizens abroad. If you are stranded abroad, please check the FCO website and the social media channels of the UK embassy, or the High commission of the country you are in, for the latest updates.

If the earliest flight you can get is after your original return date, your travel insurance will automatically extend cover until the earliest time you could reasonably return home.

If you are abroad and do not want to return to the UK earlier than planned, then please be aware there is no cover for additional transport and accommodation expenses if you become stranded abroad past your original date of travel. Your travel insurance will also end on your original return date.

If you are purchasing a Medical Upgrade

Any medical-related trip cancellation due to coronavirus are covered by your medical upgrade, as long as:

• Your trip was booked before 18 March 2020
• You did not know about your medical condition when you booked the trip

If you booked your trip on or after 18 March, you will be covered for medical claims relating to your condition. However, you will not be covered if your medical condition means you need to cancel because of coronavirus.

If you are purchasing an Age Upgrade

If you are turning 70 you will be covered for travel disruption caused by coronavirus as long as:

• You booked your trip before 18 March
• You were under 70 when you booked your trip

Even if you booked before 18 March, you will not be covered if you were over 70 when you booked your trip and want to purchase an age upgrade now.

Similarly, if you already have an age extension, but booked your trip after 18 March, you will not be covered.

If you want to cancel your holiday because of coronavirus, you can claim if:

• you are due to travel within 28 days
• the FCO advice wasn’t in place when you booked the trip or purchased your insurance. and
• you have spoken to your travel provider and have confirmation in writing from them that they will not provide a refund for your trip.

Unfortunately, your trip won’t be covered if FCO advice against travel was in place when you booked.

We can’t provide any advice on trips that are due to start more than 28 days in the future. The FCO advice can change at any time, so it’s important that you continue to monitor it.

You can see what date the FCO advice came into force by visiting www.gov.uk/foreign-travel-advice

While the FCO advice against all non-essential travel is currently in place indefinitely, this could change at any time. As a result, we can only consider claims if you are due to travel within 28 days. We also cannot provide advice or guidance on trips that are due to start in more than 28 days time due to the changing situation.

Please remember that insurance is designed to protect you from financial loss. If you’ve experienced financial loss as a result of coronavirus, you’ve already contacted your travel provider and your credit card provider then we will be happy to help you.

So that we can help members already abroad or due to travel very soons, please only call us if you’re due to travel in the next 28 days.

You can make a claim for your deposit you, if:

• The Foreign & Commonwealth Office (FCO) is advising against travel to your destination.
• When you booked, it was not against FCO travel advice.
• You’ve already spoken to your travel provider, and they cannot give you a refund.
• You cannot get a refund through your debit or credit card provider.
• Your trip is due to start in the next 28 days.
• You booked before 18 March 2020.

For valid claims, you’ll receive the amount you paid less any policy excess and refunds you have already received.

If your trip is not due to start in the next 28 days, we cannot cover your claim if you cancel. You’ll need to think about whether you want to pay any more towards your trip. You can only claim for cancellation if the FCO advise against travel within 28 days of the start of your trip.

You can make a claim for your UK trip if:

• Your trip is for 2 or more nights in commercially operated accommodation.
• You’ve already spoken to your accommodation provider, and they cannot give you a refund.
• You also cannot get a refund through your debit or credit card provider.
• You booked your trip before 18 March 2020.
• You’re due to stay at the accommodation in the next 28 days.

While the Foreign & Commonwealth Office (FCO) advises against travel abroad, and our UK government guidance is to practice social distancing, trips within the UK are covered.

Yes, your new trip will be covered for coronavirus cancellations as long as:

• Your original booking was before 18 March 2020
• The Foreign & Commonwealth Office (FCO) had not advised against travel when you booked your original trip.

Yes, if you are due to travel in the next 28 days and the accommodation was booked before 18 March 2020.

If you’re not due to travel in the next 28 days, continue to monitor Foreign & Commonwealth Office (FCO) advice for your destination and speak to your travel provider.

You’ll be covered for medical expenses, and related reasonable additional travel expenses if:

• You’re not travelling against Foreign & Commonwealth Office (FCO) advice
• You’re not travelling against your doctor’s advice
• You opened your account, and booked your trip before 18 March 2020

If the FCO advice changes while you are on your trip, don’t worry – you’ll still be covered if you need to claim for medical expenses.

Unfortunately visa and passport requirements are not covered by our policies.

If your destination changes their entry requirements, speak to your travel provider. They may be able to help. It’s also a good idea to keep checking the Foreign & Commonwealth Office (FCO) advice: www.gov.uk/foreign-travel-advice.