Does T-Bank travel insurance remain valid after cancelling Premium?

In September 2026 two participants stated that if you cancel Premium, T-Bank travel insurance stops being valid at the moment of cancellation. One of them stressed that, in his words, the product is 12 years old and this rule has been confirmed many times.

Another traveler disagreed. In his experience, the policy he received with a VTB premium package was printed with a one-year validity and did not depend on whether the privilege was still active. He assumed that T-Bank's insurance rules are the same for Premium customers and for those who bought cover separately, so the policy should continue after Premium ends. This view was sharply disputed in reply, so the VTB experience should not be carried over to T-Bank.

When you sign up for T-Bank Premium, a participant said, the policy has to be requested separately for printing, and it sets out the insurance rules. Before travelling to Phu Quoc, request that document and check with the bank or insurer what happens to your cover if Premium is cancelled during the trip.