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Help if your plans have changed

Coronavirus travel advice and FAQs

Help when travelling abroad

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Help if your travel plans have changed

We understand your travel plans may have changed. Find out how we can help with travel money refunds, debit and credit card payments below.

If your holiday or flight has been cancelled, please get in touch with your travel provider in the first instance as we can only dispute the payment after the travel date has passed and the travel provider is unable to assist you.

My trip has been cancelled

Card payment refunds

For information on how to claim for a cancelled holiday that you’ve paid for on your debit or credit card, please fill in and submit the relevant 'goods or services not received' form below.

Debit cards - Goods or services not received

Credit Card – Goods or services not received

I need a travel money refund

Currency refunds

For information on how to get a refund on travel money orders, please visit our travel money page where you will find a step by step guide to help you get your money back.

Request a travel money refund

Coronavirus travel advice and FAQs

We've pulled together a range of commonly asked questions and answers below to help you during this difficult time.

I am currently in a country where the FCO have changed their advice to ‘all but essential travel’, am I covered to come home? Close

I am currently in a country where the FCO have changed their advice to ‘all but essential travel’, am I covered to come home?

Yes, as long as both when you booked the trip and departed the FCO wasn’t advising against “all travel” or “all but essential travel” to your destination. You should first speak to your travel provider to find out what options are available to you.

I have a trip booked to a country where the FCO have changed their advice at short notice, am I covered? Close

I have a trip booked to a country where the FCO have changed their advice at short notice, am I covered?

Yes, you’ll be covered as along as when you booked your trip or bought your insurance, whichever was later, the FCO wasn’t advising against travel to your destination. When the FCO advice is “all but essential travel”, you’ll only be covered if that advice was in place within 28 days before your planned departure date. You should first speak to your travel provider to find out if they will give you a refund or offer you an alternative.

If I book a trip now will I be covered for Coronavirus (COVID-19)? Close

If I book a trip now will I be covered for Coronavirus (COVID-19)?

You are covered for claims related to COVID-19, if there is no FCO advice against travel due to COVID-19 when booking your trip, and at the time of travel. Your travel insurance provides cover for the reasons listed in your policy Terms and Conditions such as cancelling a trip due to illness or FCO advice against travel to your destination. When travelling, you are covered for emergency medical expenses including travel costs and cutting short your trip.

My trip has been cancelled and my travel provider has offered me a travel voucher / credit to re-book my holiday for a later date. If I decline this, will I be able to claim on my travel Insurance? Close

My trip has been cancelled and my travel provider has offered me a travel voucher / credit to re-book my holiday for a later date. If I decline this, will I be able to claim on my travel Insurance?

No, there is no cover under your travel insurance, you should speak to your travel provider to get a refund.

For trips booked through an ABTA or ATOL bonded agent you can follow their advice on refunds by visiting :- www.abta.com or www.caa.co.uk

Can I cancel my holiday if I don’t want to go because of Coronavirus (COVID-19) risks? Close

Can I cancel my holiday if I don’t want to go because of Coronavirus (COVID-19) risks?

There is no cover if you do not want to go on a trip and there is no other reason for you not being able to travel. Your travel insurance provides cover for cancelling a trip for the reasons listed in your policy terms and conditions, such as illness, being made redundant or the Foreign & Commonwealth Office (FCO) advising against travel to your destination. Please refer to the policy terms and conditions for full details.

If I want to cancel my trip due to having to self-isolate on my return to the UK; am I covered for cancellation? Close

If I want to cancel my trip due to having to self-isolate on my return to the UK; am I covered for cancellation?

No, your policy does not provide cover if you choose to cancel as a result of having to quarantine when you return home.

Can I cancel my trip if I know I will be quarantined for most of my trip on arrival at my destination? Close

Can I cancel my trip if I know I will be quarantined for most of my trip on arrival at my destination?

Yes, you will be covered for cancellation as long as you weren’t aware of the need to quarantine when you booked your trip or purchased your insurance and subject to the terms and conditions of the policy. You must first speak to your trip provider to see if they can provide a refund or offer you an alternative.

If I have to cancel my trip because I have been told to self-isolate when I am due to go on my trip; am I covered for cancellation? Close

If I have to cancel my trip because I have been told to self-isolate when I am due to go on my trip; am I covered for cancellation?

Yes, as long as when you booked your trip or purchased your insurance, whichever was later, you were not aware 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.

If I am diagnosed with Covid-19 when I am due to go on my trip; am I covered for cancellation? Close

If I am diagnosed with Covid-19 when I am due to go on my trip; am I covered for cancellation?

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 or were being tested for it.

You must first speak to your trip provider to see if they can provide a refund or offer you an alternative.

If I have to cancel my trip because the Foreign & Commonwealth Office (FCO) are advising against travel to my destination, am I covered for cancellation? Close

If I have to cancel my trip because the Foreign & Commonwealth Office (FCO) are advising against travel to my destination, am I covered for cancellation?

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.

If the area in which I live is locked down by the UK Government and therefore I am unable to go on my trip, am I covered for cancellation? Close

If the area in which I live is locked down by the UK Government and therefore I am unable to go on my trip, am I covered for cancellation?

Yes, as long as when you booked your trip or purchased your insurance, whichever is later, you were not aware that the area in which you live was going to be or is locked down. You must first speak to your trip provider to see if they can provide a refund or offer you an alternative.

If the area in the UK to which I am due to travel has been locked down by the UK Government and therefore I am unable to go on my trip, am I covered for cancellation? Close

If the area in the UK to which I am due to travel has been locked down by the UK Government and therefore I am unable to go on my trip, am I covered for cancellation?

Yes, as long as when you booked your trip or purchased your insurance, whichever is later, you were not aware that the area you were travelling to was going to be or is locked down. You must first speak to your trip provider to see if they can provide a refund or offer you an alternative.

Can I cancel my trip if I am unable to use my pre-booked accommodation because a country has locked down the area that I am due to travel to, due to Coronavirus (COVID-19)? Close

Can I cancel my trip if I am unable to use my pre-booked accommodation because a country has locked down the area that I am due to travel to, due to Coronavirus (COVID-19)?

Providing there was no FCO or local country advice in place at the time you purchased your insurance or booked your trip then yes, you can claim for cancellation. This applies if at the time you are due to travel, the country you are travelling to has locked down the area where you are due to travel.

You must first speak to your trip provider to see if they can provide a refund or offer you an alternative.

Can I cancel my trip if I am unable to use my pre-booked accommodation because a country has closed its borders due to Coronavirus (COVID-19)? Close

Can I cancel my trip if I am unable to use my pre-booked accommodation because a country has closed its borders due to Coronavirus (COVID-19)?

Providing there was no FCO advice in place at the time you purchased your insurance or booked your trip then yes, you can claim for cancellation if at the time you are due to travel, the country you are travelling to has closed its borders to UK citizens. You must first speak to your trip provider to see if they can provide a refund or offer you an alternative.

Am I covered for additional expenses if I must quarantine while on a trip but don’t have Coronavirus (COVID-19)? Close

Am I covered for additional expenses if I must quarantine while on a trip but don’t have Coronavirus (COVID-19)?

Providing there was no FCO advice in place at the time you purchased your insurance, booked your trip and at the start date of your trip, your policy will provide cover under the ‘cutting short your trip’ section of the policy for reasonable additional accommodation and transport.

Am I covered for medical expenses if I catch Coronavirus (COVID-19) while on holiday? Close

Am I covered for medical expenses if I catch Coronavirus (COVID-19) while on holiday?

As long as you are not travelling against doctor’s advice and aren’t travelling to an area when the FCO has advised against “all travel”, then you’ll be covered for emergency medical and reasonable additional travel expenses that you may incur as a result of becoming ill.

If the FCO advice changes while you’re on your trip, you’ll still be covered if you need to claim for medical expenses.

Am I covered if the country I am due to travel to changes its entry and visa requirements? Close

Am I covered if the country I am due to travel to changes its entry and visa requirements?

There is no cover under your travel insurance where you are refused entry to your destination because you do not have the correct visa or passport.

You should speak to your tour operator as they may be able to help you, and you should continue to monitor the FCO advice.

Will I be covered if FCO advice is put back in place after I travel? Close

Will I be covered if FCO advice is put back in place after I travel?

Yes, if the FCO advises against all travel or all but essential travel once you are on your trip, your policy will provide you with cover under the ‘cutting short your trip’ section of the policy for reasonable additional accommodation and transport.

This information does not replace the terms and conditions of your Travel Insurance policy and you should read your policy booklet for further information.

Get a copy of my travel insurance policy

Help when travelling abroad

Spending abroad

A guide to using your card abroad, registering your card for travel, and important fee information.

Spending abroad

Travel money

You can order between £100-£2,500 online, commission free, and with free delivery to your home.

Order travel money

Travel credit cards

Learn more about credit cards you can take overseas with you and how they work.

Travel credit cards

Membership services

If you have a NatWest current account with benefits, you could be eligible for preferential rates on foreign currency.

Membership services

App available to personal and business banking customers aged 11+ using compatible iOS and Android devices and a UK or international mobile number in specific countries.

Get the app

Search for 'NatWest Mobile Banking' in your app store - where you normally download your apps.

Step-by-step guide

Open the NatWest app, tap 'I'm already a customer'. Read and accept the Mobile Banking Terms then tap ‘Get Started’.
Enter your Online Banking customer number. Don’t have these? Tap 'What's my customer number?'.
Enter the characters from your Online Banking PIN and Password. Don't have these? Tap 'Forgotten secure details?'.
Confirm your mobile number and enter the activation code we text to you. If your mobile number is wrong then log in to Online Banking to update it, then return to the app in 3 days to finish registering.
Choose a passcode to log into the app. If your device has facial or fingerprint recognition, you can choose to log in with that later.
If you need any help once in the app then just tap the 'Help' button on the bottom bar if you have any questions.

Travel guide

Help with your travel plans