Virgin Money account-holders woke up to leaner travel cover on 1 February 2026. The bank’s website now states that its Club M packaged current-account no longer includes the ‘Virtual Medical Care’ service—previously a headline perk offering 24/7 tele-doctor consultations and overseas second-opinion referrals.(uk.virginmoney.com)
The removal affects thousands of customers who rely on the bundled Allianz-underwritten policy for holiday and business-trip health cover. Virtual GP access had proved popular during the pandemic, when in-person medical visits abroad were difficult. Virgin Money has not provided an explicit reason beyond “benefit review”, but industry analysts point to rising claims costs and low uptake of complex case-management services.
If you’re now rethinking your travel-health arrangements, VisaHQ can also smooth the process by bundling any visa or insurance documentation you might need into one quick, UK-friendly checkout—saving time when regulations demand proof of cover. Visit https://www.visahq.com/united-kingdom/ to see how their service dovetails with fresh insurance choices.
Travellers retaining the policy still benefit from emergency medical expenses up to £10 million, but will now have to pay out-of-pocket—or use local services—for routine advice. For corporate travellers whose employers reimburse only additional cover gaps, the change could mean buying standalone telemedicine packages or upgrading to premium cards.
Policyholders were emailed notice in December; however, consumer forums show many missed the message. Under UK insurance law, a mid-term variation that materially reduces cover entitles customers to cancel without penalty, so mobility managers should remind expatriates and frequent flyers to review their banking-insurance bundle and, if necessary, switch providers before their next trip.
