Santander Travel Insurance Review| Quote, Claim and Coverage

Santander Travel insurance Review
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A travel insurance policy is a must-have when you find exploring other sides of the planet fascinating.

If you are aware of this and want to know if Santander is the best company for your vacation, then read this Santander travel insurance review.

In this insurance review, we’ll tell you all you need about Santander travel insurance, its coverage options, rates, contact information, cancellation and claim procedures, and much more.

Let’s get started!

What is Santander Travel Insurance, and how does it work?

The Spanish Santander Group owns 100% of Santander UK plc, a British bank. Santander UK is a significant provider of personal financial services in the United Kingdom and one of the top mortgage and savings lenders.

Chubb European Group Limited arranges, administers, and underwrites Santander Travel Insurance.

Coverage from Santander Travel Insurance

The following is a list of benefits provided by Santander Travel Insurance:

  • It will cover all medical expenditures if you are wounded or become ill while travelling overseas.
  • If you have to cancel, curtail, or abandon your holiday owing to circumstances you were unaware of when you took out the policy, you could be eligible for up to £5,000 in compensation.
  • Personal property worth up to £2,000 that is lost, stolen, or destroyed (a single item limit of £300 applies). Money, passports, and other valuables left unattended are not insured (unless locked away).
  • If your baggage are delayed by the airline or carrier for 12 hours or longer, you may be eligible for up to £200 in essential clothing, toiletries, or medication.
  • If you are hurt or get unwell while traveling outside of the United Kingdom, you may be eligible for legal fees up to £25,000 if the injury or illness is caused by a third party.
  • For every 12-hour delay in public transportation, including airline delays, you will be charged £20 (up to £250).
  • Your travel insurance also covers trip cancellation if the Foreign Commonwealth and Development Office (FCDO) recommends against travel for any cause other than a Coronavirus outbreak at the time you’re traveling (or another communicable disease). You’ll only be covered if the FCDO’s advise wasn’t available when you purchased your insurance and planned your trip.

Extras that are optional

For an extra fee, you can add on a variety of cover extensions. These are some of them:

  • Excess waiver trip duration hazardous activities golf cruise business winter sports car hire excess (Europe only)
  • The online reductions apply to both your basic policy and any optional coverage extensions.

Cover for golf in Santander

Santander offers an optional golf cover that has the following features:

  • Repair or replace golf equipment up to £1,000
  • For golf equipment replacement hire, up to £200 is available.
  • Unused green fees are worth up to £300.
  • A Hole-in-One can earn you up to £75.

Business insurance from Santander

Santander offers a Business Cover Option that includes the following features:

  • Coverage for up to £2,000 in business equipment
  • Samples worth up to £500 are covered.
  • Hired equipment is covered up to £500.
  • Hire business equipment for up to £500
  • Business money cover of up to £1,000 is available.

Coverage for the Santander cruise

At Santander, an optional cruise extension is available, which includes the following benefits:

  • If you miss your port departure, they could fine you up to £1,000
  • Cabin confinement coverage of up to £1,000 is available.
  • They cover unused trips up to £500.
  • Cruise interruption coverage of up to £1,000 is available.

Cover for Santander gadgets is now unavailable.

Another good travel insurance option in UK you can check out is

When does the cover begin and when does it end?

Single-trip policies — Cancellation coverage begins when you book your trip (which must be on or after the policy start date) and ends when you leave. All other advantages are covered from the start of your vacation until you return home.
Annual Multi-Trip — Your policy will begin on the date you specify and will last for 12 months.
Cancellation coverage begins when you book each trip and ends when you depart, while all other benefits coverage begins when you depart and ends when you return home after each trip.

If your trip dates extend beyond the policy’s expiration date, you’ll need to purchase a new insurance to cover the remainder of your journey. The start and end dates of your policy coverage are specified in your quote/policy schedule.

What are the usual Santander travel insurance exclusions?

Yes, there are exclusions and restrictions.

  • Annual Multi Trip policies have a maximum of 180 days of coverage during the policy period!
  • Any one trip can last up to 31 days (with an Annual Multitrip, the trip can go up to 62 days)
  • There is a £75 excess PER PERSON PER SECTION! Some sections are only applicable to vacations overseas.
  • Winter sports extension is limited to a total of 21 days within the insurance period.
  • An adult must accompany children.
  • Missed Departure is only covered if public transportation fails to arrive on time, or if your car/taxi breaks down or is involved in an accident.
  • The Travel Delay, Travel Abandonment, and Missed Departure benefits covers only planned outbound foreign departures. Note, this travel insurance option doesn’t include internal flights inside the UK.

How Can I qualify for Santander Travel insurance Policy?

To qualify for a Santander travel insurance policy, you must:

  • Live in the United Kingdom.
  • Be younger than 74 years old.
  • Have been told you have a terminal illness.
  • Can’t be traveling with the goal of seeking medical help.

Factors that Affects Santander Travel Insurance Policy Quote

Generally, Santander travel insurance policy quotes 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).

What is the procedure for getting Santander travel insurance Claim?

To get a Santander travel insurance claim, call +44 (0)207 173 7177. Then call 0800 519 9925 or +44 (0)1293 726 329 from outside the UK to file a cancellation claim.

You should first contact your travel agent and/or airline to request a refund or to reschedule your trip before phoning. When you call, you’ll need your policy document.

Another good travel insurance option in UK you can check out is Avanti Travel Insurance Policy wording(+Pros and Cons)

What is the procedure for logging into the Santander website?

You may access your policy paperwork, sign up for a new insurance, make changes to your policy, and cancel your policy if you haven’t made any claims using the customer site.

Simply go to this link to access your customer portal.

How to cancel your Santander travel insurance contract for the year

There are several ways to terminate your Santander travel insurance policy:

First, you can cancel your Santander travel insurance by mail. To mail, send your request to the address below:

The Customer Service Manager
Chubb European Group SE
Santander Travel Insurance Team
PO BOX 1086
Belfast, BT1 9ES

Secondly, you can make your Santander travel cancellation through email. You can send your email to

Alternatively, you can cancel your policy online through the customer portal at: Or through a phone call. If you want to opt for the last option, then call 0800 519 9921.

Keep in mind that cancellation fees during cooling-off period of 14 days is £0 and there is no refund of cancellation fees outside cooling-off period.

Another good travel insurance option in UK you can check out is Boots Travel Insurance Reviews 2023| Policy, Coverage, Level, Pros and Cons

Is there Santander Travel Insurance?

Yes. Santander Travel Insurance offers online discounts. Basically, the online price is up to 30% less than the telephone price: 

Also, the discounts apply to the main policy and to any optional cover extensions you may choose to buy. And subject to availability, may be withdrawn at any time.

Further, you must apply online to get your discount. If you would prefer to apply over the phone, please call Chubb on 0800 519 9921.


Santander travel insurnace is one of the best UK-based travel insurance policy opt for by many. So, making it your choice won’t be a bad idea at all.

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