BA Sale

Barclays is changing Travel Plus Pack – does it still make sense for account holders?

Links on Head for Points may pay us an affiliate commission. A list of partners is here.

If you have your bank current account with Barclays, you may be interested in taking a look at the Barclays Travel Plus Pack add-on.

In general, buying an ‘add-on’ pack to your current account from your bank is a waste of money.  The services you get will usually not outweigh the cost.

This one, however, is a bit different if you are a regular traveller.

Barclays Travel Plus Pack

Full details of the Travel Plus Pack as it currently stands are here.

In summary, you get:

Worldwide family travel insurance

RAC comprehensive breakdown cover in the UK and Europe

Airport lounge access

I am normally sceptical about ‘free’ travel insurance offers since the cover is often poor and can land you in trouble if you rely on it and have major problems.  Barclays claims that the travel insurance in the Travel Plus Pack has been awarded a 5-star rating by Defaqto, however, so it may well be all you need.  Feedback from readers confirms that the insurance is good and does cover many pre-existing conditions.  This is very rare with ‘free’ policies.

Note that each account holder and their domestic partner must be under 80 years old and the partner must live with the account holder.  All trips must start and end in the UK and last no longer than 31 days.

The airport lounge passes also have value.  You will receive six lounge passes each year which are good for most independent airport lounges.

But Barclays is making changes to Travel Plus Pack ….

From 2nd January 2019, Barclays is increasing the cost of Travel Plus Pack from £15.50 per month to £18.  There is now a minimum six month commitment.

The package is changing too, for the better:

The insurance is improving, with higher limits for most sorts of claim and terrorism / natural disaster cover being added.  The clause excluding any claim relating to mental health issues has also been dropped.

The car breakdown cover will now cover cars of any age (current age limit is 11 years) and the ‘five call-outs per year’ cap will be lifted

The airport lounge benefit will move from 800 lounges to 1,000, due to natural growth in the access offered by its partner DragonPass

Is it still good value?

To get maximum value, it makes sense to just sign up for six months, covering your main annual travel period.  You would be paying £108 (£18 x 6) for six airport lounge passes and comprehensive travel insurance.  You could then cancel and reapply the following year.

As an airport lounge visit can be valued at £15-£20 (you can rarely buy access for less, and £20 is the ‘additional guest fee’ for American Express Platinum and Preferred Rewards Gold card holders), the travel insurance and RAC membership are effectively free.

Or, put another way, if you usually pay £100 for family travel insurance then the airport lounge passes are free.

If you already have a Barclays current account, you should think about whether the Travel Plus Pack would work for you.  Full details are here.

I wouldn’t necessarily want to keep it all year, however.  The annual cost is (£18 x 12) £216.  This compares poorly with an American Express Platinum charge card which has a £450 fee but comes with unlimited airport lounge access for two people, travel insurance, Eurostar lounge access, Hilton / Starwood / Marriott / Radisson / Shangri-La / Melia hotel status and 30,000 Avios or other miles for signing up!  My full review of Amex Platinum is here.

(Head for Points is the UK’s biggest frequent flyer website with 1.4 million monthly page views.  Want to learn more about earning and spending Avios?  Click here to read our latest news storiesclick here to join our email list and click here to read our ‘Avios Redemption University’ series.  Read this article to learn how you can get 20,000 FREE Avios by signing up for the American Express Preferred Rewards Gold credit card.)

Review: Why Amex Gold Business charge card is a good option for an SME
Hilton launches a Curio Collection hotel in Kitzbuhel

Click here to join the 14,500 people on our email list and receive the latest Avios, miles and points news by 6am.

Amazon ad
About Head for Points

We help business and leisure travellers maximise their Avios, frequent flyer miles and hotel loyalty points. Visit every day for three new articles or sign up for our FREE emails via this page or the box to your right.


  1. Does plat card cover any commpanied guest, or do they have to be a platinum supplementary card holder?? the

  2. Nationwide flex plus is great especially if you have a family. I’m single but still find it good value from the phone insurance and breakdown cover alone. As mentioned above if you maintain a £2500 balance then it costs less than £7 (standard fee is £13 but you earn 3% interest on balances up to £2500). Never used travel insurance but it’s meant to be good.

    Just a shame that Nationwide as a brand is just chavvy.

    • Shoestring says:

      Definitely a brand for the plebs! lol

      Still owned by its members, you see – as in [Plebeian, also spelled Plebian, Latin Plebs, plural Plebes, member of the general citizenry in ancient Rome as opposed to the privileged patrician class. Plebeians were originally excluded from the Senate and from all public offices except that of military tribune.]

      Chavvy? I don’t think so – more like unpretentious/ honest, which is a good image to project in many ways with a mortgage bank.

  3. Definitas says:

    I have had excellent service from Nationwide Plus twice this year due to a broken ankle forcing a trip cancellation and then being abandoned by American Airlines in Toronto when a flight was cancelled. Contact with NW is very swift and simple and I find it excellent value for the worldwide cover and loint breakdown cover. There will be a major change in terms in Jan 2019 though when the age at which a supplemental payment becomes payable drops to 70 from 75

  4. I do not think that it is reasonable to deduct the interest on the Nationwide account from the insurance premium since I get the interest just for maintaining the balance etc.

    • I think you can reasonably deduct 2% of the 3% interest as nationwide do 1% interest on one of their free accounts and it’s not that easy to find any other instant access accounts that pay more than 1%

      • Flexdirect, TSB, Tesco all do (the first two at 5%). Then Lloyds and a couple of others do 1.5% I believe – so at best you can count half the interest as a deduction (unless you have significant savings so have them all maxed out).

        • Shoestring says:

          Or offset savings a/c + offset mortgage = much higher effective tax free savings rate in many cases

        • Flex direct is only 5% for the first 12 months though right?

        • Yes, Flex direct is only 5% for the first 12 months so we should be able to get another switch reward at the end of 12 months, Thanks for reminding me.
          We got £400 for referring each other to switch in.

  5. Ross Goldie says:

    What does everyone think of the new NatWest Premium Account? £28 per month with an unlimited Dragonpass included?

    • Shoestring says:

      I guess you mean

      [Available to Premier banking customers who are aged 18 or over and a UK resident. You must also meet one of the following criteria: have a minimum £100k sole income or £120k joint income paid into your NatWest account, or £500k minimum mortgage borrowing with us, or Minimum £100k savings or investments held with us. To keep earning Rewards on your household bills, you must log into online or mobile banking at least once every three months.]

      If you meet the joining criteria plus get £125 for switching, could be a very nice Year 1, I guess, particularly if you manage to get the lounge passes in! And this bit looks good – say your CT and household bills are c.£3-4000 pa, would be a nice £60-80 discount:

      [Earning Rewards in detail
      2% back in Rewards on eligible household bills
      You’ll automatically earn Rewards on the following bills as long as you pay them by Direct Debit; Council Tax, gas, electricity, water, home & mobile phone, TV package and broadband.
      1% back in Rewards at partner retailers
      You can earn at least 1% at our partner retailers when you use your NatWest debit card.]

      Though bear in mind we can all (Amex MR points cardholders) already get 1% equiv discount just by paying those bills on Amex.

    • Open it as a joint account and you both get a dragon pass for free entry. Otherwise you have to guest your partner in for a fee (£15 or £20 can’t remember).

  6. Charlie T. says:

    FWIW, I use first directory (from first direct) and am pretty pleased with the combination of mobile phone insurance (recent iPhone claim with minimal hassle), family travel insurance (paid out £400 when we had to cut short a holiday in Florida because of Hurricane Irma without even asking to see a single piece of paperwork, but I’ve never tested it for “big” claim) and breakdown cover for £15 a month covering both parties to a joint account.

    I’m sure I could do it a little cheaper outside of the package, but not by enough to make the hassle of renewing three separate policies annually (and the massive potential impact of forgetting to) worth it compared with a one-time sign up.

    Doesn’t come with any lounge access but I’d imagined that most people here are either frequent enough fliers to have status, redeem avios/other points into premium classes that come with lounge access or fly infrequently enough that it’s no great disaster having to cough up cash for the lounge if you care enough about it.

  7. Are there more pre existing medical conditions included and what are they please

  8. Why if you suffer with pre-existing medical conditions can’t you pay a bit extra for each condition to get correct cover cheers

Please click here to read our data protection policy before submitting your comment.