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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 included with our Added Value Accounts. Our Silver account offers European Travel Insurance for you and your family (if eligible) including Winter Sports. All cover stops on the account holder’s 65th birthday. If you're a Gold, Platinum, or Premier Account holder and you're under 80, the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. The Premier Account and Gold Account are no longer available to new 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) the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. All cover stops on the account holder’s 65th birthday. Underwritten by AXA Insurance UK plc.

Am I eligible for cover?

All cover under the policy stops on the account holders 65th birthday - as long as the account holder is under 65, their spouse, civil partner or partner will be covered until they reach 65 years of age. Children must be under 18 or under 24 if in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. Subject to continued eligibility, you and your family are covered for travel within Europe as long as your Silver account is open.

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 the insurer know of any medical conditions you or your family has (or had), unless they all appear on the "No Screen List" in your policy document as they may not be covered unless agreed to by the insurer (an additional premium may apply). Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones.Please refer to the Silver policy document (PDF, 1008 kB) for full details of any exclusions.

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 £30,000.
  • 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

Yes

Maximum trip duration (in consecutive days)

45

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 an additional adult or child, extend your trip length, increase limits for Winter Sports, 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) the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. All cover stops on the account holder’s 80th birthday. Underwritten by AXA Insurance UK plc.

Am I eligible for cover?

All cover under the policy stops on the account holders 80th birthday - as long as the account holder is under 80, their spouse, civil partner or partner will be covered until they reach 80 years of age. Children must be under 18 or under 24 if in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. Subject to continued eligibility, you and your family are covered for worldwide travel as long as your Lloyds Bank Gold, Platinum or Premier account is open.

Keep in mind there is only cover for losses suffered whilst you are a UK, Channel Islands or Isle of Man resident and are registered with a Medical Practitioner in the UK.

You must let the insurer know of any medical conditions you or your family has (or had), unless they all appear on the "No Screen List" in your policy document as they may not be covered unless agreed to by the insurer (an additional premium may apply). Before you book a trip you also need to let the insurer know of any new conditions or changes to existing ones. Please refer to the 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 £30,000.
  • 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

Yes

Yes

Yes

Maximum trip duration (in consecutive days)

45

45

62

The maximum trip duration for Winter Sports cover is 31 days in any calendar year.

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 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.