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HelloSafe » Travel Insurance » Reviews by Travel Insurance Companies » Royal Bank of Scotland Travel Insurance

Royal Bank of Scotland Travel Insurance Review and Quotes

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Our articles are written by experts in their fields (finance, trading, insurance etc.) whose signatures you will see at the beginning and at the end of each article. They are also systematically reviewed and corrected before each publication, and updated regularly.

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It might be the least exciting thing about your journey. But travel insurance is a must-have when it comes to getting assistance from the other side of the world.

Are you aware of this and are here to know whether Royal Bank of Scotland is the right company to go on holidays with?

In this definitive Royal Bank of Scotland review, we will tell you everything you need to know about their travel insurance policies: coverage options, prices, contact details, cancellation or claim process and much more. Let’s dive in!

Is Royal Bank of Scotland the best travel insurance for you?

Always just going for the cheapest travel insurance might not be the best option when it comes to getting assistance or a refund abroad.

At Safe, we strive to help any people travelling from the UK to get the best travel insurance to leave home with complete peace of mind. This is why we’ve dug into Royal Bank of Scotland travel insurance policy booklet and attributed our own neutral rating based on five weighted criteria as shown below.

4,2 Safe overall rating for Royal Bank of Scotland

Royal Bank of Scotland travel insurance reviews by expert and consumers

To check if Royal Bank of Scotland is the right travel insurance for you, you can use our free travel insurance comparison tool and get quotes from main travel insurance companies in a few seconds only. 100% anonymous and free.

Find the best travel insurance in just a few seconds!

What does Royal Bank of Scotland travel insurance cover?

Royal Bank of Scotland travel insurance offers different travel insurance covers to suit any traveller needs, whether you’re leaving for three days alone in Scotland or six months in Antarctica with your partner or whole family.

RBS's travel insurance policies are available to individuals, couples and families.

Royal Bank of Scotland single-trip and annual multi-trip travel insurances

You will find below the limits breakdown per level of cover for single and annual multi-trip insurance policies at Royal Bank of Scotland:

Royal Bank of Scotland winter sports travel insurancet

The winter sports travel insurance is usually an option that you can take on top of your single or annual multi-trip policy.

Winter Sports Cover is included as standard across all account types at RBS and it comes with the following benefits:

• Up to £400 ski equipment cover
• Up to £250 ski pack cover
• Up to £200 avalanche cover
• Up to £930 piste closure cover.

What are the other travel insurance options available at Royal Bank of Scotland?

Due to Brexit, some outbound flights from international airports might be delayed or cancelled. We would advise you to call Royal Bank of Scotland before travelling and make sure you get the right compensation amount for your flight or journey if it is cancelled or delayed as well as for Schedule Airline Failure Cover.

How much is Royal Bank of Scotland travel insurance?

You'll find below indicative quotes per level of cover at Royal Bank of Scotland:

It is, however, quite difficult to give precise price ranges as Royal Bank of Scotland travel insurance policy quotes will depend on a range of factors such as:

• Your age at the time of travelling
• The length of your stay
• Your trip destination (Europe, North America, Worldwide)
• The period you wish to be covered for (single trip, annual multi-trip, extension)
• If you need specific insurance (cruise, ski, backpackers, gadget cover)
• Your medical condition before travelling
• Who is travelling with you (on your own, as a couple, as a family).

Can I get travel insurance discounts or promo codes at Royal Bank of Scotland?

There are no discounts mentioned on the website.

Use our travel insurance comparison tool to be aware of latest promo codes and vouchers available at Royal Bank of Scotland.

What else should I know about Royal Bank of Scotland travel insurance?

What are the general exclusions at royal bank of scotland travel insurance.

To be eligible for a travel insurance policy at RBS:

• You must be a UK resident
• You have to have a valid Reward Bank Account at RBS
• You must be transparent about any pre-existing medical conditions of everyone named on the policy
• You must not exceed the period of insurance unless you bought a trip extension cover
• You must be 69 years or below unless you bought an age extension cover
• You must be travelling with the intention to return home.

How do I get travel insurance quote from Royal Bank of Scotland?

Nothing easier. Use our 100% online travel insurance comparison tool to compare all policies in just a few seconds, without giving any personal details. If Royal Bank of Scotland is the right one for you, then just click on get quote and you'll be automatically directed through the company's sale channel.

Good to know

Shopping around while shopping for personal insurance and not auto-renewing is always the best way to get the best deal and benefit from new customers discounts.

How do I log in to Royal Bank of Scotland website?

Through the customer portal, you can learn about your benefits, use your benefits online, view your benefits usage history and also make claims. You can click on the customer portal link .

How to claim at Royal Bank of Scotland travel insurance?

There are 2 ways to make a claim and that is either online or through a phone call.

How do I contact Royal Bank of Scotland travel insurance?

Royal bank of scotland contact phone numbers, royal bank of scotland other contact details, how to cancel your annual royal bank of scotland travel insurance policy.

You will find below main information to cancel your travel insurance policy at Royal Bank of Scotland:

Our opinion on Royal Bank of Scotland travel insurance

RBS's travel insurance policies are underwritten by U K Insurance Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

They offer Annual Multi Trip insurance policies as standard across their Reward Bank Accounts: Silver, Platinum and Black. Instead of paying an insurance premium, you only pay a monthly fee of maintaining your Reward Current Bank Account. The period of insurance varies across the levels of covers with Silver covering 22 days per trip, Platinum covering 31 days per trip, and Black covering 90 days per trip. Winter Sports Cover is included as standard across all 3 accounts. The Silver account offers European Travel Insurance while the Platinum and Black accounts offer Worldwide Travel Insurance.

In addition to the travel insurance, you can also enjoy the following benefits when opening a Reward Bank Account at RBS:

• Mobile phone insurance
• Debit card purchases abroad at no extra charge
• UK car breakdown cover
• Discounts on holidays when you book with Platinum Travel Service
• Two free UK airport lounge passes with each Platinum Travel Service holiday booking.

We would recommend Royal Bank of Scotland to anyone looking to open a current bank account that comes with a travel insurance cover as standard.

Alexandre Desoutter has been working as editor-in-chief and head of press relations at HelloSafe since June 2020. A graduate of Sciences Po Grenoble, he worked as a journalist for several years in French media, and continues to collaborate as a as a contributor to several publications. In this sense, his role leads him to carry out steering and support work with all HelloSafe editors and contributors so that the editorial line defined by the company is fully respected. and declined through the texts published daily on our platforms. As such, Alexandre is responsible for implementing and maintaining the strictest journalistic standards within the HelloSafe editorial staff, in order to guarantee the most accurate, up-to-date information on our platforms. and expert as possible. Alexandre has in particular undertaken for two years now the implementation of a system of systematic double-checking of all the articles published within the HelloSafe ecosystem, able to guarantee the highest quality of information.

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Packaged Bank Account Travel Insurance

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

About Travel Insurance as part of Packaged Bank Accounts

Travel Insurance, administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA, is just one of the insurance benefits that come with our Packaged Bank Accounts . Our Silver & Platinum Accounts are packed with benefits including Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Travel Insurance is also a benefit on the Premier , and  Gold  accounts however these are no longer available to new customers.

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 visit our payment disputes page , for help if your travel has been disrupted.

Compare accounts

How do I make a claim?

You can log your claim online using the Allianz Assistance Hub that can be securely accessed through your mobile banking app or by using Internet Banking. You can also make a claim by calling Allianz Assistance on  +44 (0)345 850 5300 .

Eligibility for each account

I have a silver account expandable section.

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 administered by AWP Assitance UK Ltd (trading as Allianz Assitance) and underwritten by AWP P&C SA.

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 18 or under, or 24 or under if they're in full time education and must travel with the account holder, their spouse, partner, civil partner or a responsible adult. There's cover for a dependent child where they are staying with a responsible adult even if they were not accompanied during their travel to the destination.
• 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.

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

• Silver Account:  0345 603 1839

Lines are open 24/7.

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

I have a Gold, Platinum or Premier Account expandable section

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 administered by AWP Assistance UK Ltd (trading as Allianz Assistance) and underwritten by AWP P&C SA.

• 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.
• 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 Doctor 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.

• Gold Account:  0345 850 5056
• Platinum Account:  0345 850 5300
• Premier Account:  0345 604 0440

What does my insurance come with?

• Multi-trip  European  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• Includes golf cover and cover for certain sports and leisure activities
• Covers UK leisure travel when two or more nights' accommodation is pre-booked (five nights for business trips)
• There's 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 on an individual basis because of exposure to a contagious disease
• 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)

Important note :

• The standard maximum trip duration is 31 consecutive days
• For Winter Sports maximum 31 days cover in any calendar year
• £75 excess per adult per incident may apply
• Other exclusions apply, see policy documents

Gold, Platinum and Premier Accounts

• Multi-trip  Worldwide  travel cover for you and your family (includes, if eligible, your spouse, civil partner or partner and children)
• The standard maximum trip duration is 31 consecutive days - unless you are a Premier account holder, which is 62 consecutive days
• Gold and Premier accounts unavailable to new customers

Policy documents expandable section

• Silver Account Welcome Pack opens in a new window (pdf, 2.5 MB)
• Gold Account Welcome Pack opens in a new window (pdf, 1.3 MB)
• Platinum Account Welcome Pack opens in a new window (pdf, 3.1 MB)
• Premier Account Welcome Pack opens in a new window (pdf, 1.4 MB)

Important and emergency telephone numbers expandable section

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

• Silver Account: 0345 603 1839
• Gold Account: 0345 850 5056
• Platinum Account: 0345 850 5300
• Premier Account: 0345 604 0440

Lines are open 24/7. Not all Telephone Banking services are available 24 hours a day, seven days a week. Please speak to an advisor for more information.

24-hour assistance helpline (outside the UK):   +44 (0)208 239 4010 .

Packaged Bank Account benefits

Explore the other benefits of a Packaged Bank Account. Our Silver & Platinum Accounts include Family travel insurance, AA Breakdown Family Cover and mobile phone insurance for a monthly fee to maintain the account.

Mobile phone insurance

AA Breakdown Family Cover

Existing customer?

Manage your account  Find out how to manage your account, from reporting a card lost or stolen to things you can do online

Upgrade now  Want to upgrade your existing account? Why not take a look at the other accounts we offer

Change account  Change an existing current account with us by logging in

Help and guidance  Useful guides on how to use our secure Mobile Banking app and Internet Banking services

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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.

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Filling traditional health insurance gaps to help keep you financially secure.

Renowned for its passion, integrity and sincere desire to help others, Platinum markets policies that can help with financial shortfalls left by traditional health insurance plans.

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Our policies* provide cash for the out-of-pocket expenses that arise when a family member is fighting critical illness or injury—expenses that are not covered by traditional health insurance policies. Many of our products also have an optional return of premium benefit available.

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Our supplemental health insurance policies* have helped to keep countless families financially secure, so these are products you can feel good about selling. We’ve designed a career path with a proven training and support system for earning high levels of income, often during the first year.

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Throughout the heartland, families feel an added layer of financial security when it comes to their healthcare thanks to the supplemental health insurance policies provided to them by Platinum. Hear from some of these satisfied customers and check in on up-to-date product and healthcare information.

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• Disney Cruise Line

Travel insurance with Banks for UK 2021 cruises

By Lynnewob , May 8, 2021 in Disney Cruise Line

Recommended Posts

I've posted this on the Princess & Celebrity forums as they are also doing UK only cruises this year and thought it may be useful for anyone saying on Disney too.

The Bank's are starting to update their insurance to cover cover cruises for UK guests this year.

I have an RBS Platinum account which is underwritten by UK Insurance Ltd.  I think NatWest have the same cover.

If you want a downloadable letter, log into your account, click on the travel insurance " use benefit".  

This opens an important information page re: Covid.   There is a "confirmation of cover" box which shows details of the Insured people/account holder and cover.

Then click to download "confirmation of cover document" just above that.  This doc sets out the cover personalised to you with the important paragraphs below:

As a result of the Covid-19 pandemic some UK cruise providers now require travel insurance to provide at least £2,000,000 of cover for emergency medical and repatriation costs. In response to this change we are extending our limit for UK cruises departing in 2021.

This policy will provide cover for emergency medical and repatriation costs up to £10,000,000 when you are travelling on a UK cruise that departs in 2021. The cruise duration must be for a minimum of 2 nights for cover to apply.

You must ensure you meet all the conditions of carriage for your cruise provider.

Hope this helps anyone with insurance within their bank accounts. 

I think Nationwide and Barclays have something similar, so worth checking.

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Top Travel Insurances For Russia You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

The world's largest country, Russia is known for its history and cultural heritage, with landmarks such as the Red Square, St. Petersburg, and the Hermitage Museum. Although travelling to Russia can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to Russia and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

Russia Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for Russia:

Best Travel Insurances for Russia

• 01. Do I need travel insurance for Russia? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to Russia scroll down

Heading to Russia soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Is Travel Insurance Mandatory in Russia?

No, there's currently no legal requirement to take out travel insurance for travel to or through Russia.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to Russia or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for Russia:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to Russia, no matter whether you're planning to ice skate in Gorky Park in the winter or sunbathe in Sochi in the summer.

VisitorsCoverage lets you choose between various plans tailored to meet the specific needs of your trip to Russia, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies, and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for Russia:

• Policy Names: Varies
• Medical Coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip Coverage: Excellent - but only available for US residents.
• Customer Support: FAQ, live chat and phone support
• Pricing Range: USD 25 to USD 150 /traveller /month
• Insurance Underwriter: Lloyd's, Petersen, and others
• Best For: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option for Russia, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy Names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical Coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip Coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer Support: FAQ, live chat, phone support
• Pricing Range: USD 80 to USD 420 /traveller /month
• Insurance Underwriter: David Shield Insurance Company Ltd.
• Best For: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads in Russia because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy Names: Nomad Insurance, Remote Health
• Medical Coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip Coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing Range: USD 45 to USD 160 /traveller /month
• Insurance Underwriter: Tokyo Marine HCC
• Best For: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to Russia? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to Russia

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for Russia. However, we strongly encourage you to do so anyway, because the cost of healthcare in Russia can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

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See our recommendations for travel insurance to other countries worldwide:

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Russia Travel Insurance

Embarking on a journey to Russia requires more than just packing essentials; it entails thoughtful consideration of the unforeseen challenges that might arise. That’s where the importance of travel insurance for Russia comes to the forefront. This guide is your gateway to understanding the intricacies of securing the right insurance, covering everything from the mandatory insurance for the Russian visa application to comprehensive medical coverage within the vast expanse of the Russian Federation.

Whether you’re planning a cultural expedition, a business trip, or an adventure in Russia, having the appropriate travel insurance is not just advisable; it’s a prerequisite for a worry-free and well-prepared exploration. Join us as we navigate the landscape of travel insurance, shedding light on why it matters, what it should cover, and how you can tailor it to your specific needs when traveling to Russia.

Why Russia Travel Insurance?

Coverage Types

• Medical Coverage: Essential for unexpected health issues.
• Trip Cancellation: Protects against unforeseen events disrupting travel plans.
• Baggage Loss/Delay: Safeguards belongings during transit.

Exclusions and Limitations: Understanding the limitations and exclusions of a policy is crucial to ensure comprehensive coverage.

Why Travel Insurance Matters in Russia

• Unique Travel Challenges: Russia’s vastness and diverse activities present unique challenges that necessitate robust insurance coverage.
• Legal and Healthcare Considerations:  Navigating Russia’s legal requirements and healthcare system underscores the importance of having reliable travel insurance.

Reasons To Buy Russia Travel Insurance From Any Country

Russia travel insurance is essential for anyone planning a visit to this vast and diverse country. Whether you’re travelling for leisure, business, or exploring the rich cultural heritage of the Russian Federation, having the right insurance coverage is crucial.

When obtaining a Russian visa, it’s a mandatory requirement to provide proof of medical insurance for the duration of your stay. This medical insurance for Russia, often referred to as travel medical insurance, ensures that you are financially protected in case of unexpected medical expenses during your trip.

Here are some key reasons to consider purchasing Russia travel insurance:

Mandatory for Russian Visa: To obtain a Russian visa, you will need to provide evidence of medical insurance coverage. This requirement is in place to ensure that visitors have access to adequate healthcare services while in the country.

Healthcare Expenses Coverage: In the event of a medical emergency or illness during your stay, having travel medical insurance ensures that your medical expenses will be covered, including hospitalization, doctor’s fees, and medication costs.

Compliance with Regulations: Having the appropriate insurance policy for Russia ensures that you comply with the regulations of the Russian Federation. Failure to provide the necessary documentation, including valid medical insurance, could result in difficulties during your travel.

Protection for the Unexpected: Travel insurance not only covers medical emergencies but also protects against unexpected events such as trip cancellations, lost baggage, or flight delays. This helps you minimize financial losses in unforeseen circumstances.

Peace of Mind: Knowing that you have comprehensive insurance coverage for the duration of your stay in Russia provides peace of mind. You can enjoy your trip with the confidence that you are protected against unforeseen events that may disrupt your plans.

Covers Various Aspects: A good Russia travel insurance policy should cover a range of aspects, including medical emergencies, trip cancellations, baggage loss, and more. This comprehensive coverage ensures that you are prepared for various situations that may arise during your travels.

Ease of Obtaining Treatment: With the right insurance, you can access quality healthcare facilities in Russia without worrying about the financial implications. This is especially important in a foreign country where navigating healthcare systems may be challenging.

Legal Requirements: Besides being a visa requirement, having the appropriate travel insurance is also a legal requirement in Russia. It is advisable to familiarize yourself with the specific insurance regulations of the Russian Federation to ensure compliance.

Russian Medical Insurance Requirements: Visa and Entry Information

When planning a trip to Russia, it is imperative to be aware of the visa and entry requirements, particularly the mandatory medical insurance. The Russian Federation stipulates that all visitors must have valid medical insurance coverage for the duration of their stay, and this requirement is closely tied to the visa application process.

Here’s a comprehensive guide to understanding the significance of medical insurance for Russia:

Russian Visa Application: To apply for a Russian visa, individuals must provide evidence of medical insurance coverage. This insurance, often referred to as travel medical insurance or Russian travel insurance, is a key component of the visa application process.

Mandatory Requirement: The medical insurance requirement is not just a formality; it is a mandatory provision enforced by the Russian government. This is in place to ensure that visitors have access to necessary medical services during their stay in the country.

Coverage for the Unexpected: Medical insurance for Russia goes beyond visa compliance; it serves as a safety net for unforeseen circumstances. In the event of a medical emergency, the insurance policy covers expenses such as hospitalization, doctor’s fees, and prescription medications.

Comprehensive Insurance Policies: When selecting a policy, ensure it provides comprehensive coverage, including not only medical emergencies but also other aspects like trip cancellations, lost baggage, or travel delays. This ensures holistic protection against various potential disruptions.

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Legal Compliance with the Russian Federation: Adhering to the medical insurance requirement is not just a matter of convenience but a legal obligation. Failure to provide proof of the necessary insurance may result in complications during the visa application process or upon entry into Russia.

Ensuring Health and Safety: Having valid medical insurance enhances the safety and well-being of travellers. It guarantees access to quality healthcare services in Russia, contributing to a smooth and secure travel experience.

Understanding the Insurance Policy: Before obtaining insurance, it’s crucial to understand the terms and conditions of the policy. Familiarize yourself with the coverage limits, inclusions, and exclusions to ensure that the insurance meets the specific requirements of the Russian Federation.

Peace of Mind for Travelers: Travelers can embark on their journey with confidence, knowing that they are adequately covered in case of any health-related contingencies. This peace of mind enhances the overall travel experience.

In summary, obtaining medical insurance in Russia is not just a visa prerequisite; it is a fundamental aspect of responsible travel planning. It ensures compliance with the regulations of the Russian Federation, provides financial protection in emergencies, and contributes to an overall safer and more enjoyable travel experience. Travelers are advised to carefully choose a suitable insurance policy that aligns with their needs and the specific requirements of their trip to Russia.

best places to visit in russia

Moscow  is the capital and largest city of Russia and is set on the Moskva River in Central Russia.

Moscow’s importance to Russia goes well beyond its political significance. It is a city of more than 12 million people and is well known for its artistic endeavors, including ballet, symphonies, and art. Onion-shaped domes of historic churches fill the skyline, while the impressive Red Square, is one of the largest squares in the world. Other sights that shouldn’t be missed are the statues of Lenin and Stalin, controversial leaders in the 20th century. Further evidence that Moscow’s past wasn’t always squeaky clean can be seen in the Gulag and Cold War museums.

Vladivostok

Vladivostok is the largest city and the administrative center of Primorsky Krai, Russia, located around the Golden Horn Bay.

The m ountains and bays surround ing Vladivostok, make it a stunningly beautiful city. Vladivostok is the last stop on the Trans-Siberian Railway and the country’s largest port on the Pacific Ocean. The city offers many cultural attractions from theaters to museums to concerts. Visitors usually want to take walks through some of the city’s lovely parks, including Minny Gorodok, which was once a military base. The city’s main square is Admiralsky Skver, with a museum devoted to a submarine nearby.

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Travel insurance, Coronavirus and FAQs

Coronavirus (covid-19) and any other pandemics, 1. before your trip, 2. during your trip, 3. general policy faqs, travel insurance.

You should refer to the travel insurance terms for details of the cover provided.

For trips taken from 2nd March 2022 (even if booked beforehand), please refer to the FAQ’s below for more information on what you are and are not covered for. Cancellation cover related to Coronavirus (Covid-19) has now been extended in a number of areas, including the need to quarantine or self-isolate, Foreign, Commonwealth and Development Office (FCDO) advice against ‘all’ or ‘all but essential’ travel owing to Covid-19 or another disease declared a pandemic, and the inability to use pre-booked and pre-paid accommodation in an area adversely affected by Covid-19 or a pandemic.

For trips booked from 5th January 2021 to 1st March 2022 and taken before 2nd March 2022, an endorsement was in place which changed the cover available for trip cancellation, as a result of the Covid-19 pandemic. This endorsement was removed with effect from 2nd March 2022.

As the Government advice changes in relation to travel and Coronavirus (Covid-19), it is important to check FCDO advice before you book a new trip and before you travel www.gov.uk/guidance/travel-advice-novel-coronavirus(opens in a new window) and the advice of the UK Government www.gov.uk/coronavirus(opens in a new window)

You won't be covered under your policy if you travel to a country where the FCDO are advising against 'all' travel.

Remember you don't need to purchase an extension or upgrade to your travel insurance (for example, an age extension, trip extension or additional cover for pre-existing medical conditions) until you book a trip.

Travel Cancellation

If you have had to cancel your trip before it was due to start for one of the cancellation reasons covered by the policy, then you can submit a claim.

Please remember that your policy will not cover any expenses that you can recover from elsewhere and you should first consider other options for a refund.

If your travel provider has been unable to provide the service you booked, you should first speak to your travel provider to seek a refund.

If you paid by credit card and the value of your booking is more than £100, you may be protected under Section 75 of the Consumer Credit Act 1974 and should contact your card issuer for further information. If your credit card payment does not qualify under Section 75 rules you may still be able to claim under your card issuer’s chargeback rules.

Similarly, if you paid by debit or charge card you should contact your card issuer for advice, as you may be able to make a claim under their chargeback rules. This applies if the service you have paid for is not being provided e.g. the hotel you booked is closed.

If you are unable to obtain the refund from the travel provider or another party and wish to make a travel insurance claim, please ensure you have kept records of communications with your provider or another party, along with any booking and cancellation invoices to help us manage your claim efficiently.

If you wish to make a claim, please consider using our online claims service within the Membership Benefits website(opens in a new window) and click 'make a claim' under your Travel Insurance.

If you hold a Black account, then you can do this on the Royal Bank of Scotland Premier Black mobile App. This App is available to Black account customers registered with Membership Services. 'Black account' refers to Black and Premier Reward Black accounts. Available on iOS 11 and Android 6.0 (and above).

Please note that all claims made are subject to the terms and conditions of your policy.

Other account benefits

If you have purchased a holiday through our Travel Service or bought tickets from us for an event, we understand you may be concerned about potential cancellations. You may not have heard from us yet, but please be assured that we are working to contact all affected customers. Please check our FAQs below for further information.

Membership Benefits website

If you encounter any issues registering for the first time or logging in to view your benefits, please check our FAQs below before contacting us.

Frequently Asked Questions

Important Note: The following information is applicable for trips taken from 2nd March 2022. It does not replace the terms and conditions of your travel insurance policy and you should read your policy booklet for full details.

What cover does my travel insurance provide for Covid-19?

Following the changes to our terms effective from 2nd March 2022, you’ll be covered for the following situations related to Covid-19:

• Insured to travel to any destination as long as the FCDO aren’t advising against "all" travel
• You or any insured person, close relative or travelling companion being diagnosed with Covid-19 or another pandemic disease
• Quarantine (including if it's because you are contacted by Test and Trace)
• The FCDO advising against 'all' or 'all but essential' travel due to Covid-19 or another pandemic
• You are unable to access your pre-booked accommodation due to Covid-19 or another pandemic
• A change in FCDO advice, as long as you weren’t aware of this advice when you travelled.
• Being unable to stay in pre-booked accommodation due to Covid-19 or another pandemic, as long as you weren’t aware of this when you travelled.

Do I need to be vaccinated against Covid-19 to be insured?

No, your travel insurance policy does not require you to be vaccinated against Covid-19 to be insured to travel.

When do I need to purchase any extensions or upgrades I require for my travel insurance?

You should consider purchasing any extensions or upgrades you need such as an age extension if you are over 70 or cover for pre-existing medical conditions when you book a trip, this is to make sure should anything happen before you are due to depart on that trip you are covered for cancellation for the reasons listed in the policy terms and conditions.

You can find out more about the extensions or upgrades, for example, an age extension, trip extension or additional cover for pre-existing medical conditions available at rbs.co.uk/benefits(opens in a new window) . Just log in and select Travel Insurance to view the upgrade options. If you hold a Black or Premier Reward Black account, then you can do this on the Royal Bank of Scotland Premier Black mobile App.

How do I ensure I have flexibility to change my travel plans for future bookings?

Before you book a trip, remember to speak with your travel and accommodation provider about whether they would let you cancel or change your trip if you needed to. An ATOL-bonded package holiday could offer better protection than independently booked trips.

For the latest travel advice, please check the UK Government websites at Coronavirus (Covid‑19) - Gov website(opens in a new window) and Travel abroad from England during coronavirus (Covid-19)(opens in a new window) .

If applicable, please also ensure you have the necessary travel insurance extensions or upgrades in place before booking any travel or taking a trip (for example, if you or any insured persons are aged 70 or over or have a pre-existing medical condition). You can arrange an extension or upgrade online at rbs.co.uk/benefits(opens in a new window) . Just log in and select Travel Insurance to view the extension or upgrade options.

My trip has been cancelled, when should I contact the claims team to make a claim?

Your travel insurance 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.

You should only contact the claims department once you have tried to recover your costs from elsewhere as they cannot log a claim until you have done so.

Before contacting the claims team, please take the following steps:

• Speak to the provider of your trip to understand if a refund is available, including a credit note or a voucher
• If you booked your trip using a credit, debit or charge card, you should speak to your card issuer for advice on whether you can claim a refund from them, either under Section 75 of the Consumer Credit Act 1974 for credit cards (if you paid more than £100 for the trip) or under your card issuer’s chargeback rules. This will only apply if the service you have paid for isn’t available, for example the hotel is closed so you can’t stay there as planned

If I have to cancel my trip will the cost of any Covid-19 tests be covered?

If your cancellation claim is accepted by the insurer, then the cost of any non-refundable tests (used or unused) will be covered by your travel insurance policy. You should speak to the test provider in the first instance and obtain evidence that the cost of the test cannot be refunded.

Am I covered to cancel my trip if I don't receive the results of a Covid-19 test and am therefore not permitted to board my booked transport?

No, your policy will not provide cover to cancel the trip should a test result be delayed preventing you from boarding. Should your test result be positive, you will be covered to cancel the trip, subject to the policy terms and conditions.

Am I covered if I cancel my trip if I don't want to go because of Covid-19 or any other pandemic related risks?

No, there is no cover for cancelling your trip if you choose not to travel.

If the area where I live or am due to travel to is locked down by the Government and I'm unable to go on my trip, am I covered?

Yes, as long as you weren't aware of this when you booked the trip. Please note, you should first seek recovery of your costs from other relevant parties (for example, the travel provider with whom you booked your trip, or your card issuer if you used a credit or debit card to purchase all or part of your trip).

You should contact the insurer to register a claim or you can do this online at rbs.co.uk/benefits(opens in a new window) .

Am I covered for medical expenses if I’m diagnosed with Covid-19 while on holiday?

Yes, if you or any insured person travelling with you are diagnosed with or asked to quarantine due to Covid-19 or a pandemic disease, you'll be covered for medical and reasonable additional travel expenses. This only applies if you're not travelling against medical advice or visiting an area where the FCDO has advised against 'all' travel.

If the FCDO advice changes while you're on your trip, you'll still be covered if you need to make a claim for medical expenses.

Am I covered to cut short my trip if the FCDO advice changes for the country I have travelled to whilst I am there?

Yes, if the FCDO advise against ‘all’ or ‘all but essential’ travel to your destination when you are on a trip, you can claim for additional expenses to return home early and also for any expenses you lose, as a result of coming home early. We recommend you speak to the 24-hour travel emergency line before making arrangements to come home.

Am I covered if the country I'm due to travel to refuses entry because I do not have the required documents to enter, such as a visa or required form of vaccine passport?

You won't be covered if you're refused entry to your travel destination because you don't have the correct travel documentation including evidence of a negative Covid-19 test.

You should speak to your trip provider to see if they can provide a refund or offer you an alternative. Before booking a trip and travelling you should read the advice provided by the FCDO on what the entry requirements are for your destination.

Am I covered for additional expenses if I have to quarantine when I arrive at my destination?

Providing the requirement to quarantine is unforeseen and was not in place when you booked your trip, opened your account or departed on your trip you will be covered for reasonable additional accommodation and transport costs.

Am I covered for additional travel and accommodation expenses abroad because the result of my routine Covid-19 test is positive and I am not permitted to board my booked transport home?

Yes, if you test positive whilst on a trip, you will be covered for emergency medical expenses, including additional transport and accommodation until you can return home.

I am 70 years or older – am I still covered by my travel insurance?

In order for cover to continue once you or any other insured person reach the age of 70 you are required to purchase an Age Extension (presently £75 per person per year) and to be medically screened. If you previously held an Age Extension but have allowed this to lapse or you asked for this to be cancelled during the coronavirus pandemic when travel for non-essential purposes was not permitted, then you will need to purchase another Age Extension in order to reinstate your travel insurance cover. You can do this by contacting Membership Services at rbs.co.uk/benefits(opens in a new window) , or by telephone on 0345 246 1312 (UK Relay: 18001 0345 246 1312).

I have a medical condition – am I covered by my travel insurance?

Your travel insurance does not automatically cover any pre-existing medical conditions. When you become an insured person or book your trip (whichever is later), you should contact the insurer via Membership Services at rbs.co.uk/benefits(opens in a new window) , or by telephone 0345 246 1312 (UK Relay: 18001 0345 246 1312) to determine if cover can be provided for the medical condition. These need to be declared for any insured person.

How do you define a pre-existing condition?

Any medical condition for which, at the date you became an insured person or the date when you booked your trip, whichever is later, you:

• had received advice, medication or treatment from a doctor during the last 12 months;
• were under investigation or awaiting diagnosis;
• were on a waiting list for treatment as an in-patient or were aware of the need for treatment as an in-patient; or
• have received a terminal prognosis

Can I change my mind about cover for my medical conditions?

If you have contacted us to tell us about your pre-existing medical conditions and we have confirmed to you in writing that these are covered, this cover will be in place for 12 months. If you decide you no longer want cover for your pre-existing medical conditions, cover can be removed at renewal.

You must remember that if you choose not to have cover for your pre-existing medical conditions or we confirm we are unable to extend cover for them, any claim relating to the condition(s) will not be covered. When you book a new trip, you need to make sure that cover is still adequate, if you've been diagnosed with new conditions or your health has changed, it is imperative that you let us know, otherwise your cover will be affected.

Why has the outcome of my medical screening changed in my latest renewal?

As with all types of insurance, we review regularly what cover we are able to offer, including additional cover for specific medical conditions. This means you might find one year we decline to cover your conditions, but the next year we might offer cover for an additional premium or vice versa, which is why it’s very important to keep us updated on your medical history – this way you can make sure that the cover meets your needs.

If we have changed how we define a medical condition in the terms and conditions, then we will write to you and let you know. However, if we change our premiums, the questions we ask about specific medical conditions or what we’re willing to cover, then we will only do this at renewal of your medical screening. Cover for pre-existing conditions is valid for a full year and we won’t change the cover part way through the year.

Can I get a refund if I haven’t been able to use my travel insurance extension due to the pandemic?

Your travel insurance policy usually only allows refunds on travel insurance extensions if you cancel within the first 14 days of purchase.

However, if you have been unable to use your cover as you intended due to Covid-19 then please contact the insurer to discuss this.

Should I take a travel voucher instead of a refund?

If your travel provider has cancelled your trip, in most cases they are legally required to offer you a refund. However, many providers are offering travel vouchers or a credit note instead. It's your decision whether to take this or not. Ask yourself if you're likely to travel with the company again and check whether they are offering a Refund Credit Note that is legally protected by ATOL certification.

Keep in mind, if you're offered a travel voucher or credit note but choose not to take it, your travel insurance will not provide cover for a cash equivalent, where the credit note or voucher is considered a refund of your booking.

I am going on a cruise around the UK, what is the medical and repatriation limit?

As a result of the Covid-19 pandemic UK cruise providers require travel insurance to provide higher than normal cover for medical and repatriation costs. In response to this change the insurer is automatically extending the limit for UK cruises to £10,000,000. If you require confirmation of this increased limit please contact the insurer or you can download a copy by visiting rbs.co.uk/benefits(opens in a new window) , logging in and selecting Travel Insurance. You must ensure you meet all the conditions of carriage for your cruise provider.

Where can I find my policy number?

Your unique policy number can be found on any documentation we have issued to you in relation to upgrades or policy extensions, such as medical screening, trip or age extensions. Your policy number is also shown on the Confirmation of Cover letter which can be found by logging into at rbs.co.uk/benefits(opens in a new window) and selecting the 'Use Benefit' option for travel insurance.

Do I need to tell you if I'm going on holiday to be covered under the annual travel insurance policy?

No, your travel insurance allows you to take multiple trips over the course of a year, without having to tell us each time you go. You are covered for all your trips as long as no single trip lasts for more than 22 days on Silver account cover, 31 days on Platinum and 90 days on Black accounts and it includes Winter Sports trips too. Any trips in the UK needs to be for a minimum of 3 consecutive days.

Where can I travel to?

Silver account covers travel to Europe for account holders, as defined in the policy terms, and Platinum/Black account covers worldwide travel for you and your family, however none of our policies will cover you to travel to areas where the FCDO have advised against 'all' travel.

What if my travel is delayed or cancelled?

If you have booked through a travel agent or tour operator, or an EU airline, they will usually provide you with a refund or alternative transport. However, there is also cover on our travel insurance policies. If you have checked in and your departure is delayed by more than 4 hours, you can claim (per person) up to £250 for additional accommodation, travel or refreshment costs.

If the delay goes beyond 6 hours (trip 4 nights or less) or 12 hours (trip 5 nights or more), you can abandon your trip and claim the cost back up to £5,000 per person for Silver and Platinum accounts or £10,000 per person on Black Account. You can continue your journey by other means (e.g. if you were due to fly to Paris, are delayed, but can get the Eurostar) as long as that costs no more than abandoning would do.

What is APD and why is it deducted from my claim?

Air Passenger Duty is a tax, payable when you take the flight. If you have not taken the flight, you should contact your airline to refund this to you.

What happens if I close or change my account?

From the time and date you close your account or change to an account that doesn't have travel insurance included, then all cover ceases under the policy – this applies even if you are part way through a trip or have an extension or upgrade you have paid for.

Will I still be covered by the European Health Insurance Card (EHIC) following the Brexit Agreement?

The transition period between the UK and the EU ended on 31st December 2020. The new deal means that existing EHICs will remain valid until their expiry in the large majority of European countries. For up-to-date information please visit Visiting the EU, Switzerland, Norway, Iceland or Liechtenstein(opens in a new window) where you will find the latest details.

For customers who don't currently have an EHIC or need to renew their EHIC, this can be done by applying for the new 'Global Health Insurance Card'. You can do this at Applying for healthcare cover abroad (GHIC and EHIC)(opens in a new window) .

Like the EHIC, the GHIC is free to everyone who is eligible. You will need one card per person.

travel-insurance-coronavirus-and-faqs-1

Should you require any further assistance with your travel insurance, please contact us on  0345 246 1711 (Relay UK: 18001 0345 246 1711).

Lines are open 8am-7pm Monday to Friday (excluding bank and public holidays), Saturday 9am-5pm and closed Sunday.

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