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AXA Travel Insurance

Have peace of mind when you're on holiday with travel insurance that covers you for as long as your Added Value Account is active

About AXA Travel Insurance

How do I get AXA Travel Insurance?

AXA Travel Insurance is just one of the services we provide when you open an Added Value Account with us. If you have a Silver account with us and you're under 65, you automatically have UK and European travel insurance. If you're a Gold, Platinum, or Premier Account holder and you're under 80, you automatically have worldwide insurance. The Premier Account and Gold Account is not available to customers.

If you’re a Classic or Club Lloyds current account holder you can apply to upgrade online to one of our Added Value Accounts.

UK and European Travel Insurance

I have a Silver or Club Lloyds Silver account

If you have a Silver Account (or Club Lloyds Silver) and you're under 65 you have European Travel Insurance for you and your partner (includes your spouse, civil partner, or partner). Your insurance begins automatically the day you open your Silver account, and continues until the day you close your account. Underwritten by AXA Insurance UK plc.

Am I eligible for cover?

You and your partner are covered for travel within Europe as long as your Silver account is active and you’re both under 65 years of age.

Keep in mind the cover is provided only if you will be living in the United Kingdom for at least six months during each 12 month period.

You must let us know of any medical conditions you or your partner have (or had), as this may jeopardise any claims you make in the future, so please refer to the Silver policy document (PDF, 1008 kB) for full details of any exclusions.

Once your account has been opened should you wish to notify us of any medical conditions please call Silver membership services on 0345 603 1839.

There’s no need to renew your insurance each year because as long as you remain a Silver account holder you’ll always be covered (subject to eligibility). You’ll find full terms and conditions in the Silver policy document (PDF, 1008 kB).

What does my insurance come with?

  • Advice before you travel, including help with visa requirements, required inoculations and time differences
  • Help while you’re away, including replacing medicines, tracing lost luggage, transferring emergency funds
  • New-for-old replacement for baggage under two years which is lost or stolen
  • War and terrorism cover, under the emergency medical, hospital benefit and personal accident sections
  • Avios users only: claim for any Avios used if you cancel a holiday, where the circumstances of your claim are covered under the terms of the policy
  • If you use your European Health Insurance Card and make a claim for medical expenses, your £40 excess will be waived
  • Travel disruption cover up to £5,000 for additional protection if your travel plans are disrupted due to cancellation or delay of your booked trip
  • Cancellation or curtailment: up to £5,000 unused travel and accommodation costs if you have to cancel or cut short your holiday
  • Emergency medical and dental treatment expenses while abroad, and the cost of returning home, up to £10,000,000
  • Personal accident benefit payable in the event of death, disablement or loss of limbs, up to £100,000 if caused by an accident involving public transport on which you were travelling
  • Baggage cover if your personal possessions are lost or stolen up to £2,500 (valuables up to £500 in total)
  • Legal expenses and advice, up to £25,000, in the event of your injury or death
  • Personal liability against legal claims up to £2,000,000 if you cause injury to others or damage to their property
  • Hospital benefit: £50 for each 24 hours any insured person spends in hospital, up to £1,000
  • Replacement of essential items, up to £250, if your baggage is lost or misplaced and not returned for more than 12 hours on the outward journey
  • Departure delay: £30 per insured person for first 12 hours (reduced to six hours for trips of three nights or less), £20 per insured person for each subsequent complete 12 hour period, to a maximum of £250

Added Value Account

Silver

Is this account available to new customers?

Yes

Family/Winter sports cover

No

Maximum trip duration (in consecutive days)

45

Silver UK and European Travel Insurance does not come with family or winter sports cover, although you can upgrade your insurance to include this if you call 0345 603 1839 or refer to your policy document (PDF, 1008 kB).

How can I upgrade my insurance cover?

If you would like to extend your cover you can choose from a selection of optional upgrades. You can add winter sports to your cover, extend your trip length, pay an excess waiver fee and pay no excess on any claims you make. For details, please call 0345 603 1839 (lines open Mon-Sat 8am-8pm and Sun 9am-5pm) or refer to your policy document (PDF, 1008 kB).

How do I make a claim?

Call membership services on 0345 603 1839 (lines open 24/7) if you’re in the UK. If you’re outside the UK, call our 24-hour assistance helpline on +44 1633 815 819. Please have your membership number at hand – this is your sort code and account number.

If you want any other help or information

Feel free to call us if you have any questions about your account.

Worldwide Travel Insurance

I have a Gold, Platinum or Premier account

If you have a Gold, Platinum or Premier Account, (or Club Lloyds Gold, Platinum, or Premier) and you're under 80, you have Worldwide Travel Insurance for you and your partner (includes your spouse, civil partner, or partner). Your insurance begins automatically the day your Gold, Platinum or Premier accounts were opened, and continues until the day you close your account. Underwritten by AXA Insurance UK plc.

Am I eligible for cover?

You and your partner are covered for travel across the world as long as your Gold, Platinum or Premier account is active and you’re both under 80 years of age.

Keep in mind the cover is provided whilst you are a United Kingdom resident and are registered with a medical practitioner in the United Kingdom.

You must let us know of any medical conditions you or your partner haves (or have had), as this may jeopardise any claims you make in the future, so please refer to your relevant policy document for full details of any exclusions.

Once your account has been opened should you wish to notify us of any medical conditions please call the appropriate number below.

Lines are open Mon-Sat 8am-8pm and Sun 9am-5pm
There’s no need to renew your insurance each year because as long as you remain a Gold, Platinum or Premier account holder you’ll always be covered (subject to eligibility). You’ll find full terms and conditions in the Gold, Platinum and Premier policy documents.

What does my insurance come with?

  • Advice before you travel, including help with visa requirements, required inoculations and time differences
  • Help while you’re away, including replacing medicines, tracing lost luggage, transferring emergency funds
  • New-for-old replacement for baggage under two years which is lost or stolen
  • War and terrorism cover, under the emergency medical, hospital benefit and personal accident sections
  • Avios users only: claim for any Avios used if you cancel a holiday, where the circumstances of your claim are covered under the terms of the policy
  • If you use your European Health Insurance Card and make a claim for medical expenses, your £40 excess will be waived
  • Travel disruption cover up to £5,000 for additional protection if your travel plans are disrupted due to cancellation or delay of your booked trip
  • Cancellation or curtailment: up to £5,000 unused travel and accommodation costs if you have to cancel or cut short your holiday
  • Emergency medical and dental treatment expenses while abroad, and the cost of returning home, up to £10,000,000
  • Personal accident benefit payable in the event of death, disablement or loss of limbs, up to £100,000 if caused by an accident involving public transport on which you were travelling.
  • Baggage cover if your personal possessions are lost or stolen up to £2,500 (valuables up to £500 in total)
  • Legal expenses and advice, up to £25,000, in the event of your injury or death
  • Personal liability against legal claims up to £2,000,000 if you cause injury to others or damage to their property
  • Hospital benefit: £50 for each 24 hours any insured person spends in hospital, up to £1,000
  • Replacement of essential items, up to £250, if your baggage is lost or misplaced and not returned for more than 12 hours on the outward journey
  • Departure delay: £30 per insured person for first 12 hours (reduced to six hours for trips of three nights or less), £20 per insured person for each subsequent complete 12 hour period, to a maximum of £250

Added Value Account

Gold

Platinum

Premier

Is this account available to new customers?

No

Yes

No

Family/Winter sports cover

No

Choice of either

Both

Maximum trip duration (in consecutive days)

45

45

62

For Premier Account customers and Platinum Account customers who have chosen Winter sports cover, your maximum trip duration includes 31 days for winter sports in any 12 month period.

How can I upgrade my insurance cover?

If you would like to extend your cover you can choose from a selection of optional upgrades. You can add family or winter sports to your cover, extend your trip length, pay an excess waiver fee and pay no excess on any claims you make. For details, please call the appropriate number below.

Lines are open Mon-Sat 8am-8pm and Sun 9am-5pm.

How do I make a claim?

Call the appropriate number above if you’re in the UK. If you’re outside the UK, call our 24-hour assistance helpline on +44 1633 815 819. Please have your membership number at hand – this is your sort code and account number.

If you want any other help or information

Feel free to call us if you have any questions about your account.

Important and emergency telephone numbers

You can find out more information about your travel insurance, or make a claim using the appropriate membership numbers below.

Useful phone numbers


  • Lost or stolen cards 0800 096 9779(+44 1702 278 270 from outside the UK)

  • Contact us 0345 300 0000(+44 1733 347 007 from outside the UK)

These lines are available 24/7.

Financial Services Compensation Scheme


FSCS logo

Important legal information

Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.uk. Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service. We subscribe to the Lending Code; copies of the code can be obtained from www.lendingstandardsboard.org.uk.

Lloyds Bank plc registered office:
25 Gresham Street,
London EC2V 7HN.
Registered in England and Wales No. 2065.

We may monitor or record telephone calls to check we have carried out your instructions correctly and to help us improve the quality of our service. Calls from abroad are charged according to the telephone service provider’s published tariff.