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Nationwide travel insurance review

Read Which?'s expert review of Nationwide's travel insurance. Find out how we rate Nationwide's policy and how it compares with dozens of other travel insurance providers

In this article
Nationwide travel insurance overview How good is Nationwide travel insurance? Should you buy Nationwide travel insurance?
Is Nationwide's travel insurance coronavirus-proof? Nationwide travel insurance: how can I claim? Get top money-saving tips from Which?

Nationwide travel insurance overview

Nationwide's travel insurance comes with its FlexPlus packaged current account along with UK and European breakdown assistance, and worldwide family mobile phone insurance, but you will need to pay a £13 monthly fee for maintaining the account.

If you’re 70 or older you'll need to buy an age upgrade each year to keep your travel insurance going.

Nationwide's policies are underwritten by UK Insurance Limited.

How good is Nationwide travel insurance?

Policy name Policy type Max trip length Max age Policy score

Covid rating

 

(What's this?)

How well a policy covers you for typical coronavirus-related disruption. Ratings run from basic (worst) to low, superior and complete (best).

Nationwide Flex Plus Account Annual only 31 days 69 years old (can be increased) Logged out score Complete

 

How we analyse travel insurance

 

We analyse and rate 52 key elements of travel insurance policies to come up with the overall policy score. We assess how important each individual element is to travellers when choosing and using a travel insurance policy, and weight it accordingly when calculating our total policy score.

Initially, we score all of the product elements out of five, reflecting how competitive each provider is in this area compared with other insurers. Weightings are then applied to the higher and lower element scores to enhance/reduce their impact on the overall policy score.

Should you buy Nationwide travel insurance?

We've rated hundreds of policy details to come up with a combined expert policy score.

Members can log in to read our full policy analysis. If you're not already a member, join Which? to get full access to these results and all our reviews.

In detail: every part of Nationwide's travel insurance rated

   

Flex Plus Account

Weighting Policy element Details Rating
Most Important Medical expenses - limit per claim Logged out detail Logged out padlock
Most Important Medical repatriation - limit per claim Logged out detail Logged out padlock
Most Important Private healthcare covered in an emergency (if no alternative)? Logged out detail Logged out padlock
Secondary Pre-existing medical conditions covered? Logged out detail Logged out padlock
Secondary Dental treatment - limit per claim Logged out detail Logged out padlock
Other Hospitalisation cover - limit per claim Logged out detail Logged out padlock
Other GHIC excess waiver Logged out detail Logged out padlock

Table last updated in June 2021. Next update in June 2022.

To see how Nationwide's travel insurance compares to other policies, check out our guide on the best and worst travel insurance.

Is Nationwide's travel insurance coronavirus-proof?

We contacted 86 travel insurers and quizzed them on whether their policies cover coronavirus-related incidents.

Specifically, we wanted to know if four scenarios would be covered: needing treatment for coronavirus abroad; having to cancel because of a positive test; having to cancel because of self-isolation; or having to cancel because of government advice.

We've rated insurers' coronavirus cover and explained what they offer, including any relevant exclusions.

Members can log in to read our full policy analysis. If you're not already a member, join Which? to get full access to these results and all our reviews.

Nationwide travel insurance: how can I claim?

For medical emergencies abroad call +44 (0) 141 349 0288.

To make a claim, call 0800 051 0154.

Before calling for cancellation claims, you should contact your travel agent and/or airline to seek a refund or to move your trip.

You'll need your policy document when you call.

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