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Nationwide flex AC Travel insurance

I just happen to know that Nationwide is not issue a hardcopy of travel insurance anymore. They just confirm on the phone when you call them. There is not any email confirmation either.

What happen to the person who need to apply for a tourist visa the travel to a science visa. The embassy will need a confirmation in writing that you have a travel I insurance in place. So for this sort of people how could they prove that they have travel insurance in place?

If you are a British citizen and need to be hospitalised some hospitals will need evidence that you have a travel insurance in place before they allow you to be treated. You have no evidence to prove that

Could they legally do that they just inform people when you ask and they do not provide any written or email confirmation? What happen if you are about to make a claim and they say you are not insured?

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