Important information for Nationwide members

You’re not covered if there isn't a valid cancellation reason and you choose not to go on your holiday.

No, you're not covered for cancelling a trip due to having to quarantine or self-isolate when you return home.

If you opened your account or booked your trip – whichever was later – on or after 1 January 2021 you're not covered if you have to quarantine or self-isolate because of government action; this includes NHS Test and Trace (or other equivalent) and local or national lockdowns.

If you had an existing account with travel insurance and booked your trip before 1 January 2021, then you will be covered to cancel if you have to quarantine or self-isolate when you are due to depart on that trip, as long as you weren’t aware of this when you booked your trip.

Yes, you’re covered for cancelling a trip if you or any insured person, a close relative or travelling companion are diagnosed with coronavirus or a pandemic disease. This applies as long as when you booked your trip or bought your insurance – whichever was later – you weren't aware that you or the affected person had coronavirus or were being tested for it.

If you opened your account or booked your trip – whichever was later – on or after 1 January 2021, there's no cover under the Cancelling your trip section for FCDO advice that's due to coronavirus or a pandemic, regardless of when this advice was issued.

If you had an existing account with travel insurance and booked your trip before 1 January 2021, then you will be covered to cancel if the FCDO advise against ‘all but essential travel’ to your destination within 28 days before your departure, as long as you weren’t aware of the advice when you booked your trip.

If you opened your account or booked your trip – whichever was later – on or after 1 January 2021, there's no cover for cancelling your trip due to any government actions or restrictions imposed as a result of coronavirus or a pandemic, this includes NHS Test and Trace (or other equivalent) and local or national lockdowns.

If you had an existing account with travel insurance and booked your trip before 1 January 2021, then you will be covered to cancel if you are unable to go on that trip due to Government actions (such as lockdown) if this advice is in force within 28 days before your departure and you weren’t aware of such advice when you booked your trip.

Yes, as long as when you booked your trip or purchased your insurance, whichever was later, you were not aware that you had COVID-19, were being tested for it or that you needed to self-isolate. You must first speak to your trip provider to see if they can provide a refund or offer you an alternative.

Yes, as long as when you booked your trip or purchased your insurance, whichever is later the FCO were not advising against travel to your destination. Where the advice is all but essential travel, cover is only available when that advice is in place within 28 days of your departure. You must first speak to your trip provider to see if they can provide a refund or offer you an alternative.

Yes, you'll be covered for reasonable additional accommodation and transport providing there was no FCDO advice in place when you booked your trip, bought your insurance or departed on your trip.

Yes, if you or any insured person travelling with you are diagnosed with coronavirus or a pandemic disease, you'll be covered for medical and reasonable additional travel expenses. This only applies if you're not travelling against medical advice or visiting an area where the FCDO has advised against ‘all travel’.

If the FCDO advice changes while you're on your trip, you'll still be covered if you need to make a claim for medical expenses.

Yes, you'll be covered if you need to make a claim for cutting your trip short, as long as the FCDO advice wasn’t in place when you departed on your trip.

You should speak to your travel provider to find out what options are available to you.

If your travel provider has cancelled your trip, you should speak to them to find out what alternative options are available to you. If you booked using a credit or debit card, get in touch with the card issuer for advice on whether you can claim a refund from them. You can only apply for a refund if you paid more than £100 and the service isn't available, for example, the hotel you booked is closed. However, if the hotel is open, but you can't get there because your flight's cancelled, your card issuer won't cover that, and you should contact us to make a claim.

We may be able to offer you a partial refund of your travel upgrade premium if you:

• upgraded in the 12 months before 18th March 2020
• haven’t made a claim
• do not have any upcoming trips for which you are relying on the cover provided by your upgrade

We’ll work out your refund based on the number of days left of your upgrade after 18 March 2020.

If you choose a refund, your upgrade will stop from 18 March 2020. If you want to start your cover again, you will need to buy a new upgrade.

Remember that if you are over the age of 70 you require an age upgrade for your travel insurance to be valid.

Keep in mind, we’re not able to pause or defer upgrades which are open at the moment.

Find out more or apply for a refund

If you have made a claim within your upgrade period and you think you should still be considered for a refund (because for example you made a claim for cancellation or cutting short your trip and subsequently received a refund from your trip provider), then please do not use the link above to register your refund request. Instead give UKI a call on 0800 051 0257 as we will need to validate that your claim has been completely closed and you haven’t received any settlement from us for the claim.

*Please bear in mind the conditions and restrictions outlined above will still apply.