The Lloyds Bank website says that the Platinum Account Travel Insurance covers cancellations and missed departures. If you read the small print it says that you are not covered unless you have actually checked in. when the flight is cancelled. It specifically excludes online check-in - it has to be a physical check in. There are two problems here. Firstly if you have no bags you don't check in at the counter so if the flight is cancelled while you're in the departure lounge you are not covered.because they require a paper boarding card as one of the required documents.you have to submit. Secondly, .you can't actually check in at the desk more than 2 hours before departure. So if the flight has already been cancelled (through bad weather eg) then you can't check in at all, and you cannot make a claim. So if you miss your connecting flight and you have no comeback. I know - my flight from Isle of Man to catch a long-haul connecting flight at Heathrow was cancelled. So I had to buy a new ticket at great expense and could not make a claim. I've banked with Lloyds for 53 years and pay a monthly fee of £15. NOT ANY MORE!
Reviewed on: 17th March 2023
