Does Nationwide FlexPlus travel insurance have an upper age limit?
Last checked against Nationwide's policy documents on 27 October 2026
No. Neither the FlexPlus travel policy (Aviva, policy FP010524) nor Nationwide's travel insurance page sets an upper age limit for the account holder or their partner. That is unusual: many packaged accounts stop or charge extra from 70, 75 or 80.
Age is not the catch. Medical conditions are. Any diagnosed condition you had medication, treatment, tests, a specialist visit or a hospital stay for in the 12 months before you opened the account or booked the trip (whichever is later) must be declared to Aviva, and may need a paid upgrade.
FlexPlus costs £18 a month. Trips are covered for up to 31 days, or up to 120 days with a paid upgrade bought after you have booked the return trip.
What the FlexPlus travel policy says
| Topic | Who it applies to | What the policy says |
|---|---|---|
| Upper age limit | Account holder and a partner who lives with you. | None stated in the policy or on the product page. Children are covered if under 23 when the trip starts. |
| Pre-existing medical conditions | Everyone on the policy. | Not covered as standard. Declare anything treated, tested or medicated in the 12 months before opening the account or booking (whichever is later). Aviva may offer cover for an extra premium. Declare online at nationwidetravel.online.aviva.co.uk or call 0800 0512 532. |
| Trip length | Everyone on the policy. | Up to 31 days per trip. Longer trip upgrade up to 120 days, bought once the return trip is booked. Not available for winter sports trips. |
| Key limits | Per insured person. | Emergency medical abroad up to £10 million. Cancellation or coming home early up to £5,000 (upgrades to £7,500 or £10,000). £50 excess per person, per incident, per trip. |
How other accounts handle age
From each provider's own documents, checked on 27 October 2026.
| Account | Age rule |
|---|---|
| Nationwide FlexPlus | No upper age limit stated |
| Barclays Travel Pack | Adults must be under 80 when the trip starts |
| Lloyds Platinum | Cover ends at the account holder's 80th birthday |
| Halifax Ultimate Reward | Cover ends at the account holder's 71st birthday |
| NatWest Reward Platinum | £100 a year age extension per person aged 70 or over |
| Virgin Money Club M | Cover ends at 75 |
| Revolut Metal and Ultra | Everyone must be under 76 |
| Monzo Max | 70 or under |
| HSBC Premier | You and your partner must be under 70 when the trip starts |
| American Express Platinum | Medical cover only for people under 70 for the whole trip |
Where people get caught out
- No age limit doesn't mean no medical questions. Older travellers are more likely to have a condition that needs declaring, and an undeclared condition can mean a claim is turned down.
- The 12-month window runs from opening the account or booking the trip, whichever is later, so a new diagnosis or new medication matters for every trip you book afterwards.
- Extra premiums. Medical cover for declared conditions can come with an extra premium. Get the quote before you rely on the account for a trip.
- The 120-day upgrade is for long trips only. It can't be used for winter sports.
- Expensive holidays. Cancellation is capped at £5,000 per person unless you pay to upgrade. Check this against what you have booked.
Could you be paying twice?
If you have FlexPlus, check whether you also pay for any of these.
- A separate over-70s or over-80s annual travel policy, if FlexPlus already covers you and Aviva accepts your declared conditions.
- Travel cover bundled with a credit card or another packaged account, for the same people.
Compare the medical upgrade price with a standalone specialist policy before deciding which to keep.
Related guides
Common questions
- Is there an age limit on Nationwide FlexPlus travel insurance?
- No upper age limit is set in the policy or on Nationwide's travel insurance page. Children are covered if they are under 23 when the trip starts.
- Does Nationwide FlexPlus cover over 70s and over 80s?
- Yes, as long as any pre-existing medical conditions are declared to Aviva and accepted. Some conditions need a paid upgrade.
- Do I need to declare medical conditions for FlexPlus travel insurance?
- Yes, for any diagnosed condition you had medication, treatment, tests, a specialist visit or a hospital stay for in the 12 months before opening the account or booking the trip, whichever is later.
- How long can a trip be?
- Up to 31 days as standard, or up to 120 days with a paid upgrade bought after you book the return trip. Winter sports trips can't be extended.
- How much does FlexPlus cost?
- £18 a month, whether or not you use the insurance.