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Dean is an award-winning personal finance writer who’s spent over 15 years helping consumers navigate the tangled and fascinating world of insurance.
In this article
Nationwide's travel insurance comes with its FlexPlus packaged current account, along with UK and European breakdown assistance and worldwide family mobile phone insurance.
You will need to pay a £18 monthly fee for maintaining the account, but this covers you, your partner if they live with you, and children aged under 23 who live with you or their other parent. You can travel independently or together.
Nationwide's policies are underwritten by Aviva.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.
This insurer isn't available on MoneySuperMarket, but you can get quotes from other insurers and compare the cheapest with our reviews.
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Nationwide's FlexPlus policy was one of the top scorers in our analysis and a Best Buy.
79%
Policies
of 48 travel insurers' highest-scoring policies
See our full list of the best travel insurance.
| Medical expenses | £10 million | |
| Dental treatment | £500 | |
| Cancellation | £5,000 | |
| Travel abandonment | £5,000 | |
| Natural disaster cover | Included | |
| Cancellation / curtailment: illness, injury or death of person policyholder staying with | Yes/Yes | |
| Bankruptcy of holiday supplier | Covered | |
| Bankruptcy of airline | Covered | |
| Travel delay | £250 | |
| Missed departure: outgoing, returning, connecting | Yes/Yes/Yes | |
| Baggage/personal belongings | £1,500 | |
| Personal liability | £2 million |
Tables last updated May 2026. Next update May 2027. We recommend checking policies before buying. See how we analyse travel insurance.
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Dean Sobers, Which? travel insurance expert, says:
Nationwide's worldwide cover was one of the best scoring in our analysis, and a Best Buy.
It offers some of the most impressive cover for cancellation if, between you booking or insuring your trip and your date of departure, advice from the Foreign, Commonwealth and Development Office (FCDO) changes and it recommends you don't travel to your destination. Covered scenarios include natural disasters, terrorism, infectious disease outbreaks and pandemics (including Covid-19). However, war and civil unrest aren't covered.
Alongside generally high levels of cover, the policy has comparatively low compulsory excesses (£50 for medical expenses, cancellation costs and loss of personal belongings).
It is also one of the few policies we rated that will pay out if your holiday provider or airline goes bankrupt.
Although it scored well in most areas we examined, it wasn't perfect. For example, if you incur expenses because of travel delays, it will pay up to £250 (£25 per 12 hours) to help you cover them, which is fairly unimpressive.
If you take out Nationwide's FlexPlus packaged current account, your partner and any dependents (defined as being under 23, living with you or their other parent, and not married or in a civil partnership) will also be covered.
If you have a pre-existing medical condition, you'll need to contact Nationwide to add it to the policy – which may mean paying extra. You can do this online or by phone.
Nationwide works with a medical screening company called Verisk to ask customers about their medical conditions.
Nationwide isn't a specialist provider for customers with pre-existing medical conditions, but this doesn't necessarily mean it won't be able to cover your medical condition at a reasonable price.
However, if you're struggling to obtain cover, check our guide on travel insurance if you have a medical condition.
Aviva (Nationwide's underwriter) uses a claims handling company called Charles Taylor Assistance to handle its claims service.
85-90% of claims were accepted on Nationwide's FlexPlus policies between December 2024 and November 2025.
While we don't have industry statistics for this period, this acceptance rate is higher than the average industry average in 2024 (the most recent reported by the FCA). In that year, the average claims acceptance rate for worldwide cover was 84.5%.
For medical emergencies, call +44 (0)1603 605159. The claims line is available 24 hours a day.
For claims that aren't a medical emergency, call 0044 1243 976 418 to make a claim from abroad. To make a claim from the UK, call 0800 046 2555. These claims lines are open from 8am-6pm Monday to Friday, and 8am-4pm Saturdays and bank holidays. You can also claim online.
Insurers will usually expect you to try recouping lost costs (such as deposits) elsewhere before making an insurance claim – for example, checking with the travel provider whether you're entitled to a refund or can move a cancelled trip. However, you can still call the insurer to let it know if there's a chance you will need to claim.
You'll need your policy document when you call.
The Nationwide FlexPlus Worldwide Travel Insurance policy has a score of 79% and is a Best Buy. Barclays Travel Pack – another Best Buy – earned the same score.
The policy above them is Saga Plus – Single Trip policy, which has a score of 81% and is a Best Buy. The policy below is Aviva's Signature policy, which has a score of 78%.
Nationwide's policy is hard to beat in terms of its cover. Whether it makes sense for you depends on your personal situation.
Unlike most travel insurance policies, which are personally priced, Nationwide has a fixed cost of £18 a month (£216 a year).
If you're single or young, it's likely that you could get a good (if not quite as good) policy for a lower price.
But if you're an older couple, or have children, Nationwide's fixed price could work in your favour, costing far less than several standalone travel insurance policies.
Also factor in the breakdown cover, mobile cover and the other banking benefits the account provides.
Find out how Nationwide compares for other products
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