Provides peace of mind with cover for emergency medical expenses, cancellations
With no upper age limit,
Updated 17 October 2022
ALLIANZ (OUR INSURER)
Allianz will follow the policy terms and conditions when assessing any claims. For claims related to travel restrictions to other countries, Allianz will adhere to the Foreign Commonwealth and Development Office (FCDO) advice. There are three levels:
- no advice against travel
- advice against all but essential travel; and
- advice against all travel
Cover is valid when there is no FCDO advice against travel. Consideration will be given for 'Essential Travel' so long as evidence can be provided in the event of a claim to support that the nature of the trip made travel essential. There is no cover provided for travel to any destination the FCDO have advised against all travel to, regardless of the reason for the trip.
The latest FCDO guidance is here.
before you book your trip or start your journey
At the time of applying for Coutts Travel Protection or before you book a trip, you must call the insurers customer services and endorsements team to tell them about any medical conditions you or any other beneficiary covered under the policy have.
It’s best to call the insurer as soon as you are aware you need any other upgrade to enhance your protection, such as cover for guests you are paying for that are not a beneficiary of your policy and trip extensions.
- unlimited medical cover if you contract COVID-19 or other pandemic diseases
- cover for additional expenses incurred if you’re required to quarantine on medical advice during your trip, subject to policy terms and conditions
- cancellation and curtailment cover if you or a travelling companion:
- are refused boarding of your pre-booked transport due to having symptoms of COVID-19 or other pandemic diseases (request evidence from the travel provider to support a claim);
- test positive for COVID-19 or other pandemic disease (evidence will be required for a positive test, either a GP’s letter to confirm not fit to travel or an authorised COVID-19 test centre result);
- a close family member contracts COVID-19 or another pandemic disease so you can’t go on your trip (evidence will be required for a positive test, either a letter from their GP or an authorised COVID-19 test centre result)
The protected client who has opted in, their partner/spouse and the protected client’s dependent children (up to 18 years of age or 23 years of age if still in full time education).
Once you are aware of a need to cancel a trip contact the Allianz Assistance Travel Claims department by calling them on 020 7126 7531 (all calls with Coutts are recorded for training and monitoring purposes). They will provide you with advice and guidance before you cancel the trip with the travel provider.
Please note your travel insurance policy has an exclusion relating to recoverable expenses, this means that any expenses you can recover from elsewhere are not covered by your travel insurance policy.
Please contact your private banker who will be able to arrange this for you.
It is always recommended you travel with a valid EHIC or GHIC card, but it is not a replacement for travel insurance as it does not cover everything, such as mountain rescue or being flown back to the UK (medical repatriation). Make sure you have both before you travel. Find out more at Applying for healthcare cover abroad (GHIC and EHIC)
during your trip
If you are unfortunate enough to need medical help whilst abroad or need to curtail your trip for medical reasons, please call the Medical Assistance Helpline +44 (0)20 7126 7533 first or as soon as reasonably possible. All calls with Coutts are recorded for training and monitoring purposes.
Yes, call the Medical Assistance Helpline +44 (0)20 7126 7533 (all calls with Coutts are recorded for training and monitoring purposes) who will be able to confirm if your circumstance is covered and assist you in making any arrangements for additional accommodation if it is necessary for you to stay beyond the period of the trip. You are also covered for additional journey expenses which you must pay to get back to your home address if you cannot use your return ticket.
Coutts Travel Protection is underwritten by AWP P&C SA and administered in the UK by Allianz Assistance except section A24 which is underwritten by Liberty Mutual Insurance Europe SE and administered by International Passenger Protection Limited.
loss damage waiver
Loss Damage Waiver, for when you hire a car, is available to clients aged 21-84 and will provide cover for (subject to full policy terms and conditions):
- Excess insurance on car rentals for up to 31 days
- Includes losses up to the value of £55,000 as a result of damage by fire, vandalism, theft or loss of use of the rental vehicle
eligibility, fee and How to apply
Coutts Travel Protection is available to Coutts clients for £400 per year, charged quarterly in arrears. We will waive the fee if the average value of the combined assets and liabilities that you hold in sole and joint accounts or within a Fee Family is in excess of £1m.
You can apply online if you are registered for our Digital Services. Alternatively, complete the application form below and return to your banker.
Prior to making an application, please ensure you have read through the Insurance Product Information Document below for a basic summary of the policy cover and main exclusions. For the full Terms and Conditions of the policy, please read through the Insurance Guide below.
Coutts Travel Protection includes Travel and Loss Damage Waiver Insurance. Sections 1-18 and 20 of this travel insurance are underwritten by AWP P&C SA and Section 19 of this travel insurance is underwritten by Liberty Mutual Insurance Europe SE. The Loss Damage Waiver Insurance is underwritten by AWP P&C SA.
If after calling the insurer, cover for your pre-existing medical condition is declined or you're unhappy with the cost of the additional premium, you may wish to look at an alternative provider. To assist you the FCA has arranged a Directory of Insurance Underwriters who may be able to meet your needs. For further information call 0800 138 7777 (Monday to Friday, 8am to 6pm) or visit the Directory Website.
To register a claim in the first instance, you can call the claims team.
Travel insurance including loss damage waiver
Customer Service and Endorsements
Open Monday to Friday, 9am - 6pm, Saturday 9am - 1pm, Sundays and bank holidays – closed
Open Monday to Friday, 9am - 5pm, weekends and bank holidays – closed
Emergency Medical Assistance
Open 24 hours a day, 7 days a week
All calls with Coutts are recorded for training and monitoring purposes.