Santander Travel Insurance Review

The experts say:

What Santander UK plc customers are saying right now:

The Good

• 😀 Able to move £25k per day with no problem.
• 👍 Easy access saver interest rate increased in line with BOE rate rise.
• 👌 App does not crash like some other banks.
• 😌 Log in security questions answered quickly and successfully.
• 😍 Customer service described as "lovely" and "brilliant".

The Bad

• Terrible customer service 🤬
• Inconvenient account opening process 🤯
• Unhelpful and unresponsive staff 😡

Santander customer reviews summary

Santander has been receiving a lot of negative reviews lately for their customer service and general operations (though it's important to note that many of these are not travel insurance related). Customers have reported long wait times to speak with customer service, blocked payments, and difficulties transferring money. Despite this, some customers have praised the bank for having quick response times and raising the interest rate on their easy access saver account shortly after the Bank of England raised its rate. Overall, Santander UK plc's customer service and banking operations leave a bit to be desired, earning it a score of 6/10.

Deep-dive into Santander Travel Insurance

Annual Multi-Trip Insurance

Santander's Annual Multi-Trip Insurance is designed for those who love to jet-set whenever the travel bug bites. With a solid 4-star rating from fairerfinance.com, you can trust that Santander has got your back. Here are some highlights:

1. Medical Excess: Santander offers cover up to £75 towards medical expenses should the need arise during your trip. It's always reassuring to know that you're protected should an unexpected medical emergency occur.
2. Personal Possessions and Baggage: If your possessions are damaged, lost, or stolen, Santander provides cover up to £2,000, keeping your belongings safe and sound.
3. Cancelling before Travel: It's not always possible to predict the future, which is why Santander offers protection up to £5,000 if you need to cancel your trip before it even begins.
4. Emergency Medical and Repatriation: With unlimited cover, Santander ensures you receive the necessary medical care and helps you get back home if needed, so you can focus on getting better.
5. Mental Health Cover: While Santander doesn't currently provide specific cover for mental health issues arising on your trip, it's always worth considering your personal circumstances and discussing it further with the insurer.
6. Personal Money: If your personal money is lost or stolen, Santander offers cover up to £500, giving you peace of mind wherever you go.
7. Additional Benefits: Santander also provides cover for cutting your trip short, abandoning your trip due to delays, relocation costs in natural disasters, and baggage cover during natural disasters.

Single Trip Insurance

If a single holiday is more your style, Santander's Single Trip Insurance is tailored just for you. With excellent ratings and similar benefits to the Annual Multi-Trip option, you can expect the same trust and reliability from Santander. Highlights of this policy include:

1. Cancelling before Travel: As with the Annual Multi-Trip Insurance, Santander provides cover up to £5,000 for cancellation before your trip commences.
2. Medical Excess: Covering medical expenses up to £75, Santander ensures you receive the care you need while abroad.
3. Personal Possessions and Baggage: Up to £2,000 is covered for any damaged, lost, or stolen personal belongings, keeping your holiday stress-free.
4. Cutting Trip Short: Unexpected events can sometimes force us to cut our trips short. Santander offers cover up to £5,000 to help manage any additional expenses.
5. Missed Departure Cover: If you miss your initial departure, Santander provides financial coverage for your travel arrangements up to £1,000.

Santander Travel Insurance Add-Ons

Santander goes the extra mile by offering two optional add-ons to enhance your coverage for specific types of trips:

1. Cruise Cover: Are you planning a cruise? Santander's 3-star rated Cruise Cover safeguards your trip with features such as missed port departure cover, re-joining a cruise cover, and cabin confinement cover. While other benefits may be useful, it's essential to evaluate whether this add-on aligns with your individual needs.
2. Winter Sports: Ski season enthusiasts will appreciate Santander's 4-star rated Winter Sports add-on. With features like cover for ski equipment, avalanche closure cover, and piste closure cover, you can hit the slopes with confidence.

Conclusion

Santander Travel Insurance offers a comprehensive range of policies to suit every type of traveller. With convenient options like Annual Multi-Trip and Single Trip Insurance, as well as add-ons for cruises and winter sports, Santander has your back through every journey. While it's always crucial to read the policy documents to understand the finer details, Santander's fairerfinance.com ratings provide assurance of their commitment to customer satisfaction. So, no matter where your wanderlust takes you, be sure to consider Santander Travel Insurance for a worry-free adventure.

Disclaimer: Please note that the information provided in this article is accurate at the time of writing and subject to change. Always refer to Santander's official website for the most up-to-date details on their travel insurance policies.