Epidemic and pandemic travel coverage—now included with N26 You and Metal

Traveling in times of COVID-19? Be prepared with epidemic and pandemic travel coverage, now available for N26 You and Metal customers.

22 January 2021

3 min read

Traveling for necessary reasons during the COVID-19 pandemic, and looking for an extra safety net in case things don’t go according to plan? We’ve got you covered.

If you’re a premium N26 You, N26 Business You, N26 Metal or N26 Business Metal customer, you’ll be pleased to know that we’ve expanded your Allianz Assistance travel coverage to include epidemic and pandemic coverage for your travels, at no extra cost. Read on below to find out what’s newly included, and how to make a claim.

Travel cancellation and curtailment coverage

Canceling a fully-booked trip or cutting a trip short can be stressful, especially if you’re stuck having to pay out-of-pocket for your lost journey. If you’re an N26 You, N26 Business You, N26 Metal or N26 Business Metal customer making travel plans, you’ll now have extended travel cancellation and curtailment benefits, including pandemic coverage for claims relating to COVID-19. This trip cancellation and curtailment coverage is valid for all trips abroad, and for trips to destinations farther than 100km from your home in your country of residence, which begin on or after January 22, 2021.

If you have to cancel an upcoming trip or cut a trip short because you or a travel companion is diagnosed with an epidemic or pandemic disease such as COVID-19, you’ll be able to claim compensation.

In addition, you’ll now also be covered up to a maximum amount of €10,000 if your trip is interrupted or canceled because you or your travel companion are placed into an individual quarantine due to exposure to a virus. In this case, you must have been specifically singled out as an individual case, and ordered to quarantine by the government or a public authority.

Please note that you must not have traveled against government or public authority advice. This new pandemic coverage will not cover cases where a quarantine applies generally to the wider population or a region, or to the place you are traveling from, through, or to. For the cover details, please refer to the policy Terms and Conditions.

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Emergency medical travel assistance

If you’re traveling abroad for necessary reasons during a pandemic, it helps to be prepared against the unexpected. For extra peace of mind, N26 You, Business You, Metal and Business Metal memberships now come with extended emergency medical travel assistance that includes pandemic coverage for trips abroad.

This means that if you develop a sudden, unexpected illness, injury or medical condition that could cause you serious harm while on a trip overseas—including being diagnosed with an epidemic or pandemic disease such as COVID-19—you’ll be covered for emergency hospitalization and medical treatment, along with medicine costs, medical transportation, and repatriation assistance, if necessary.

Plus, with access to the 24/7 medical assistance hotline from Allianz Assistance, we’re always only a dial away if you need to speak to someone, wherever you are in the world.

Please note that you must not have traveled against government or public authority advice. For the cover details, please refer to the policy Terms and Conditions.

How do I make a claim?

To make a claim, open your N26 app and go to ‘My Account’. Tap on ‘N26 You’ or ‘N26 Metal’ under ‘Manage,’ and go to ‘Allianz coverage.’

Select the type of claim you’d like to make, and then tap ‘Start my claim process.’ Please follow the step-by-step guide on how to submit the required documents to Allianz Assistance. The usual Terms and Conditions of your Allianz Assistance coverage apply.

N26 has you covered

Whether you’re managing your finances at home or making trips abroad, you can count on N26 to support your everyday—especially during times of uncertainty, such as the COVID-19 pandemic.

If you’re not an N26 customer yet, you can open an N26 You, N26 Business You, N26 Metal or N26 Business Metal bank account online in minutes, with zero paperwork involved. Sign up now to start tapping into your premium benefits, such as a travel, lifestyle, mobility and mobile phone coverage package from Allianz Assistance, free ATM withdrawals worldwide, no international transaction fees, exclusive partner brand offers, and so much more.

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Frequently asked questions

Where can I find more information about my coverage?

If you’re an N26 You, N26 Business You, N26 Metal or N26 Business Metal customer, you can get a complete overview of your Allianz Assistance coverage in your N26 app at any time. Simply open your N26 app, then head to Insurances in the Explore tab to view all active travel coverage that’s offered with your N26 membership.

What documents are needed to make a claim?

You can find a complete list of the required documents for your claim in your N26 app. Go to My Account, select N26 You, N26 Business You, N26 Metal or N26 Business Metal, and tap on Allianz coverage. Choose the type of claim you’d like to make, and then tap Start my claim process to view the complete list of required documents that are needed to submit your claim.

When does my Allianz Assistance insurance coverage begin?

The Allianz Assistance coverage included with your N26 You, Business You, Metal or Business Metal membership begins when you open your N26 account. For claims related to COVID-19, epidemic and pandemic coverage is automatically included as part of your Allianz Assistance travel coverage from January 22, 2021, at no extra cost. This means that if your trip begins on, or after January 22, 2021, N26 You, Business You, Metal and Business Metal customers will be covered under the epidemic and pandemic travel benefit.

Do I need to book my flight with my N26 card to be covered by the travel insurance?

You’re not required to partially or fully pay for your trip with your N26 card for you to be eligible for Travel Medical Emergency and Assistance.

For you to be eligible for Luggage Delay, Luggage Loss, Theft, or Damage, Flight Delay, Travel Cancellation, and Travel Curtailment, at least one Qualifying Expense must be paid with your N26 card.

Yes. Your Allianz Assistance travel benefit includes epidemic and pandemic travel coverage for emergency medical treatment, trip cancellation and trip curtailment claims related to COVID-19. You will be reimbursed if you or a travel companion is diagnosed with COVID-19 or placed into an individual quarantine due to exposure to the virus. For the cover details, please refer to the policy Terms and Conditions. For further information, please contact Allianz Assistance.