Packaged Bank Account Travel Insurance

Have peace of mind when you’re on holiday with travel insurance that covers you.

If you’re a Platinum, Premier, Gold or Silver account customer, please read our FAQs (PDF, 145KB) for more information about the travel insurance which comes with your account and COVID-19. You can also use our handy travel disruption tool, for help if your travel has been disrupted.

From 21 November 2021 there will be some changes to the benefits that come with this account.

 

Some key changes to the Worldwide Travel Insurance from 21 November 2021

  • AXA Insurance UK plc (AXA) underwrite the travel insurance that comes with your account and, in line with the cancellation section of the policy general conditions, we are now giving you notice on their behalf that the policy will be cancelled at midnight on 20 November 2021 and immediately replaced on 21 November by travel insurance provided by AWP Assistance UK Ltd (Allianz Assistance) which is underwritten by AWP P&C SA (the new insurer). There’ll be no break in insurance cover but some of the changes may affect your cover
  • The maximum single trip duration of 45 consecutive days will reduce to 31 consecutive days. It’s important to remember this if you book a trip before 21 November 2021
  • If you’ve already booked or intend to book a trip lasting more than 31 consecutive days that begins on or after 21 November 2021 and haven't already purchased a trip extension upgrade, you will need to contact Allianz Assistance to extend your cover, an additional premium will be payable. If your trip starts before 21 November 2021, for this trip only, you will continue to be covered for up to 45 consecutive days from the date of travel
  • If you claim for incidents which occurred after 21 November 2021, where an excess applies, it’ll increase from £75 per claim per incident to £75 per adult per incident
  • There will be changes to the medical screening process. If your health, or the health of anyone covered by the policy, changes before you book a trip, you need to let Allianz Assistance know. They may ask you to pay a premium or could refuse cover for those medical conditions. This will also apply to any new upgrade for medical conditions that you purchase from the new insurer on or after 21 November 2021
  • If you purchase an upgrade with AXA for risks which are not covered under the policy as standard before 21 November 2021, your upgrade will continue to be underwritten by AXA until the expiry date stated in your upgrade schedule and will not be cancelled. All claims will be managed by Allianz Assistance for incident dates on or after 21 November 2021. You will receive confirmation letters separately from AXA and Allianz Assistance which include guidance on who to contact.  You do not need to take any action
  • From 21 November 2021 there won’t be cover if you’re abroad and you are instructed to return home or choose to leave early to avoid having to quarantine when you get home because of an epidemic or pandemic
  • There is still cover for emergency medical expenses. There's also still cover for you or someone covered under the policy if a booked trip needs to be cancelled because either you or they, or a companion you are travelling with is asked to quarantine
  • There will be additional cancellation cover for you or anyone you are travelling with who is covered under the policy, if you’ve booked to travel and either the carrier or a Government authority will not let you travel, because at the point of boarding, you are showing symptoms of a contagious disease
  • You’ll have access to a remote UK GP telephone and video consultation service if you want medical advice when you’re overseas
  • There will also be some changes to cover levels, for example for Ski and Golf cover
  • Winter Sports cover is being improved and some of the limits you can claim for will increase. If you’ve already paid for upgraded Winter Sports cover with AXA which expires on or after 21 November 2021, this will now be covered as standard.  We’ll make a goodwill payment to cover the cost of the upgrade, directly into your account by the end of December 2021

Please read the terms and conditions enclosed within the Guide to Changes (PDF, 807KB) for full details and exclusions. We’ve also provided some examples of pandemic cover under the new policy in the Guide to Changes (PDF, 807KB).

 

Other key benefit changes from 21 November 2021

  • Card Loss Assistance will no longer be a service provided with the account. Once the Card Loss Assistance benefit ends, the data will be destroyed within a reasonable period of time and in line with our policy requirements
  • There will be some changes to the AA Breakdown cover and there will also be a change to the Mobile Phone Insurance benefit that comes with this account  to make it clear that for incidents occurring from 21 November, if you make a valid claim for a replacement handset, you will receive a refurbished device which has been through a comprehensive checking process to ensure it’s in full working order. For details of the changes, please refer to the Guide to Changes (PDF, 807KB)

About AXA Travel Insurance as part of Packaged Bank Accounts

How do I get AXA Travel Insurance?

Travel Insurance, provided by AXA, is just one of the insurance benefits that come with our Packaged Bank Accounts. The Platinum Account is packed with benefits including worldwide family travel insurance, AA breakdown cover, mobile phone insurance and card loss assistance for a monthly fee for maintaining the account of £21. Travel Insurance is also a benefit on the Premier, Gold and Silver accounts however these are no longer available to new customers.

Platinum Account

Existing customers

  • If you have a Silver Account the account comes with European Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is 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 where all trips must start and end.

    Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost 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 welcome pack (PDF, 1.7MB) for full details of any exclusions.

    What does my insurance come with?

    • Covers certain Winter Sports
    • Covers UK leisure travel when two or more consecutive nights’ accommodation is booked
    • Comprehensive cover including:
      • Emergency medical cover (up to £10,000,000)
      • Cancellation or curtailment cover (up to £5,000)
      • Personal accident cover (up to £30,000)
      • Baggage cover (up to £2,500, £500 of which for valuables)
      • Travel disruption cover (up to £5,000).
    • Multi-trip European travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children).

    Some important exclusions

    • The standard maximum trip duration is 45 consecutive days (for Winter Sports maximum 31 days cover in any calendar year)
    • £75 excess per claim per incident may apply

    How do I make a claim?

    You can log your claim with AXA online. You can also make a claim by calling AXA on 0345 603 1839 (lines open 24/7) if you’re in the UK. If you’re outside the UK, call the 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.

  • If you have a Gold, Platinum or Premier Account,  the account comes with Worldwide Travel Insurance for you and your family (if eligible) including Winter Sports. This insurance policy is 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 where all trips must start and end.

    Medical conditions that you or your family have (or have had), which are not all on the ‘No Screen Conditions’ list in your policy document are not covered by this policy. To see if these can be covered you must call the insurer declaring all medical conditions, including those on the list and an extra cost 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 the insurer of any medical conditions please call the appropriate number below.

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

    What does my insurance come with?

    • Covers certain Winter Sports
    • Covers UK leisure travel when two or more consecutive nights’ accommodation is booked
    • Comprehensive cover including:
      • Emergency medical cover (up to £10,000,000)
      • Cancellation or curtailment cover (up to £5,000)
      • Personal accident cover (up to £30,000)
      • Baggage cover (up to £2,500, £500 of which for valuables)
      • Travel disruption cover (up to £5,000).
    • Multi-trip Worldwide travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children).

    £75 excess per claim per incident may apply

    What does my insurance come with?

    Packaged Bank Account

    Gold

    Platinum

    Premier

    Packaged Bank Account

    Is this account available to new customers?

    Gold

    No

    Platinum

    Yes

    Premier

    No

    Packaged Bank Account

    Family/Winter sports cover

    Gold

    Yes

    Platinum

    Yes

    Premier

    Yes

    Packaged Bank Account

    Maximum trip duration (in consecutive days)

    Gold

    45

    Platinum

    45

    Premier

    62

    There is a maximum of 31 days cover in any calendar year for Winter Sports.

    How do I make a claim?

    You can log your claim with AXA online. You can also make a claim by calling AXA on 0345 603 1839 (lines open 24/7) if you’re in the UK. If you’re outside the UK, call the 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.

  • 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.

Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an adviser for more information.

Important legal information

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

We may monitor or record telephone calls to check 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. Not all Telephone Banking services are available 24 hours a day, 7 days a week. Please speak to an adviser for more information.