Does the Barclays Travel Pack cover winter sports?

Yes, for up to 31 days per calendar year, with ski equipment covered up to £500 per person. Off-piste skiing is only covered with a qualified guide at all times, and heli-skiing, glacier skiing and freestyle skiing are excluded.

Is my partner covered by the Barclays Travel Pack?

Yes, if they live with you as a couple and are under 80 when the trip starts. They don't need to travel with you.

Does the Barclays Travel Pack include phone insurance?

No. Phones are only covered as valuables while you travel, up to £400 per item. For everyday phone cover you need a separate policy.

Does the Barclays Travel Pack breakdown cover work in Europe?

Yes. The RAC cover in the Travel Pack covers the UK and Europe. The cheaper Breakdown Cover Pack (£9 a month) is UK only.

How much does the Barclays Travel Pack cost?

Barclays lists it at £14.50 a month, with a six-month minimum term, and you need an eligible Barclays current account to add it. Check the current fee on Barclays' website, as pack fees change.

What does the Barclays Travel Pack actually cover?

Last checked against Barclays's policy documents on 27 October 2026

The short answer

The Barclays Travel Pack (£14.50 a month, six-month minimum term) adds two covers to an eligible Barclays current account: worldwide travel insurance from Aviva and UK and European breakdown cover from the RAC.

Travel cover is for trips of up to 31 days, including winter sports and cruises, for you, a partner who lives with you, and children under 23 who travel with you. It doesn't include phone insurance: phones and laptops only count as valuables while you're away, capped at £400 each.

What the Travel Pack covers

Cover	Who is covered	Key limits
Travel (Aviva)	You and a partner who lives with you, aged under 80 at the start of the trip, plus children under 23 who travel with you.	Worldwide, trips up to 31 days. Medical expenses up to £10 million. Cancellation up to £10,000 per person. Belongings up to £1,500 (valuables £400 per item). £50 excess on most sections.
Winter sports (Aviva)	As for travel.	Included for up to 31 days per calendar year. Ski equipment up to £500 per person. Lift pass up to £250. Piste closure up to £300. Off-piste only with a qualified guide at all times, in areas the resort considers safe.
Breakdown (RAC)	You, plus anyone at your address you add when you take out the pack, in any personal vehicle, as driver or passenger.	UK and Europe. Unlimited UK callouts, plus national recovery and onward travel to anywhere in the UK. Electric cars included. Company and business-use vehicles excluded.

Where people get caught out

Pre-existing medical conditions aren't covered unless you declare them and Aviva accepts them. A condition counts if you had medication, treatment, a referral or a hospital stay for it in the last 12 months, and covering it may need a paid upgrade that renews every year.
New diagnoses must be declared before you book your next trip, not when you claim.
Trips longer than 31 days aren't covered at all unless you buy the longer trip upgrade (up to 120 days) before you travel. Winter sports trips can't be extended.
Phones, laptops, tablets and cameras are only covered up to £400 each, and only if they are in your hand luggage while you travel.
Holidays in the UK only count if you have at least 2 nights of pre-booked accommodation.
Partners and grown-up children. A partner is only covered if they live with you as a couple. Children aged 23 or over need their own policy.
Cancelling the pack. Cover ends on the day Barclays receives your cancellation, and there is a six-month minimum term.

Could you be paying twice?

If you have the Travel Pack, check whether you also pay for any of these.

A separate annual travel policy, or travel cover that comes with a credit card or another bank account.
Separate breakdown cover, or a breakdown add-on on your car insurance. The RAC cover in the pack follows you, not the car.
Ski or cruise add-ons sold with a holiday, when the pack already includes winter sports and cruises.

Compare limits and excesses before cancelling anything: the pack caps belongings at £1,500, which may be less than a separate policy gives you.

Related guides

Common questions

Does the Barclays Travel Pack cover winter sports?: Yes, for up to 31 days per calendar year, with ski equipment covered up to £500 per person. Off-piste skiing is only covered with a qualified guide at all times, and heli-skiing, glacier skiing and freestyle skiing are excluded.
Is my partner covered by the Barclays Travel Pack?: Yes, if they live with you as a couple and are under 80 when the trip starts. They don't need to travel with you.
Does the Barclays Travel Pack include phone insurance?: No. Phones are only covered as valuables while you travel, up to £400 per item. For everyday phone cover you need a separate policy.
Does the Barclays Travel Pack breakdown cover work in Europe?: Yes. The RAC cover in the Travel Pack covers the UK and Europe. The cheaper Breakdown Cover Pack (£9 a month) is UK only.
How much does the Barclays Travel Pack cost?: Barclays lists it at £14.50 a month, with a six-month minimum term, and you need an eligible Barclays current account to add it. Check the current fee on Barclays' website, as pack fees change.