Delayed or cancelled trips
Get up to €500 for travel delays over two hours, up to €10,000 for interruptions or cancellations, and up to €500,000 for personal liability per trip.
Emergency coverage
Get round-the-clock medical and dental coverage for you and your family while abroad — up to €1,000,000 per trip.
Baggage cover
Get up to €500 for bag delays over 4 hours. And up to €2,000 per trip for damage, theft, or loss.
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Exclusions and restrictions apply. For more information, please see the Allianz Assistance Insurance Product Information Sheet and Conditions for Beneficiaries. You can see all information you need to start a claim or call Allianz Assistance in case of an emergency in the N26 app and in the Conditions for beneficiaries. N26 Go and Metal feature comprehensive insurance coverage from Allianz Assistance (trade name of AWP P&C S.A. – Dutch Branch) one of Europe’s most trusted insurance companies. AWP P&C S.A. Dutch Branch is an insurer licensed to act in all EEA countries and operating in freedom of services, with corporate identification No 33094603, and registered at the Dutch Authority for the Financial Markets (AFM) No 12000535. AWP P&C S.A., which has its registered office in 7 rue Dora Maar, Saint-Ouen, France, is authorized by L’Autorité de Contrôle Prudentiel et de Résolution (ACPR) 4 Place de Budapest CS 92459, Paris Cedex 09, France.
Your best new travel companion
Open an N26 account and get a travel eSIM, fee-free worldwide payments, and 24/7 chat support. With N26 Go or Metal, get free ATM withdrawals abroad and travel insurance.
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- Death; illness (including epidemic/pandemic disease of the beneficiary, such as COVID-19) or medical condition; injury; hospitalization
- Individual quarantine and other events listed in the N26 Go Conditions for Beneficiaries and N26 Metal Conditions for Beneficiaries
- Prorated costs of the covered travel services booked but unused at the destination, up to €10,000 per trip
- Necessary transportation expenses to continue the trip or return home
- Additional accommodation/ transportation expenses if prolongation of the trip is necessary up to €100/day/per trip for a max. of three days
- Reimbursement in case of damage, theft or loss of items
- Reimbursement for essential items purchased if luggage is delayed by more than four hours
- Baggage: Up to €2,000 per trip
- Baggage delay: Up to €500 per trip
- Reimbursement of medical expenses abroad
- Costs for emergency transportation and medically advisable and justifiable medical repatriation. Maximum amount covered: for medical emergency treatment: up to €1,000,000 per trip. For dental emergency treatment: up to €250 per trip.
- For medical repatriation up to the actual cost
- For search, rescue and recovery: up to €2,300 per trip
- Events occurring outside the validity dates indicated in the conditions for beneficiaries
- Claims arising from an event the beneficiary had prior knowledge of before opening their account (or booking a trip for travel-related claims).
- Events directly or caused by or contributed to or arising from nuclear reactivity
- Damage of any kind caused intentionally by the beneficiary or with their complicity
- An epidemic or pandemic, except as expressly stated under Trip Cancellation, Trip Interruption, Emergency Medical/Dental Services Abroad and Emergency Transportation sections.
- Systemic (non-individual) epidemic/pandemic events
- Claims arising due to pre-existing medical conditions
- Violation of international sanctions, laws or regulations
- The policy deductible that is applicable to claims made under some benefit sections
- Financial limits apply to each benefit section
- There are general conditions that you must meet for cover to apply and some benefit sections contain conditions specific to that section
- War (declared or undeclared) or acts of war
- Civil disorder or unrest, except when and to the extent that civil disorder or unrest is expressly referenced in and covered under trip interruption coverage or travel delay coverage
- Terrorist events, except when and to the extent that terrorist events are expressly referenced. This exclusion does not apply to Emergency Medical or Emergency Transportation coverage.
- Intentional self-harm or attempt or comit suicide
- Unstabilized illnesses or injuries that were diagnosed or treated
- Local health situations, pollution, weather or climate events
- Natural disaster, except when and to the extent that a natural disaster is expressly referenced in the coverage description
- Expenses incurred without the prior agreement of our assistance department
- The cost of treatment or care not resulting from a medical emergency
- The consumption of alcohol or drugs not medically prescribed
- Participation in a professional or dangerous sport
- Trip cancellation: covered up to €10.000 per trip; deductible: €20 per beneficiary
- Trip interruption: covered up to €10.000 per trip
- Baggage damage, loss or theft: covered up to €2.000 per trip, including €750 for high-value items
- Emergency medical/dental benefits abroad: covered up to €1.000.000 per trip and for emergency dental up to €250 per trip
You’re eligible for the coverage under insurances included in N26 Go and Metal plans only when your N26 Go or Metal account is active.
The account holder who has rights to claim under the collective insurance agreement. For the travel covers (trip cancellation, trip interruption, travel delay, baggage and baggage delay, emergency medical and transportation, and personal liability), the account holder’s spouse or cohabitant and children (including the stepchildren, foster children, adopted children or children currently in the adoption process) up to a maximum age of 25 years, if still on education at the time of travel, are considered a beneficiary, when they travel with the account holder.
To find out more about the Travel insurance benefits associated with your N26 Go & Metal account please refer to the N26 Go Insurance Product Information Document (IPID) and the Conditions for Beneficiaries and N26 Metal Insurance Product Information Document (IPID) and the Conditions for Beneficiaries.
Cancellation fees up to €10,000 per trip for trip cancellation
Completion of the trip as scheduled is not possible or cannot be expected due to e.g.: serious accidental injury or unexpected serious illness including an epidemic/pandemic disease, such as COVID-19 or individual quarantine
What will be reimbursed?
Trip delayed due to covered reasons by at least two hours.
What will be reimbursed?
Additional expenses for meals, accommodation, additional transportation expenses up to €500 per trip
Reimbursement in case of damage, theft or loss of travel documents
What will be reimbursed?
Necessary costs for emergency replacement identification document up to €500 per trip
Illness or accidental injury during travel — including treatment for an epidemic or pandemic disease such as COVID-19
What will be reimbursed?
Costs payable to a third party following damage or injury. Maximum amount covered: up to €500,000 per trip
To find out more about the insurance benefits and limitations of your N26 Go and Metal coverage and make a decision on your insurance, please read the N26 Go Insurance Product Information Document (IPID) and the Conditions for Beneficiaries and N26 Metal Insurance Product Information Document (IPID) and the Conditions for Beneficiaries before subscribing. These documents are available free of charge and can be accessed here or via the N26 app.
Exclusions apply to the whole policy and some benefit sections contains conditions specific to that section.
Please consult the general section, and respective information of each benefit in the Conditions for Beneficiaries for a precise overview of the respective restrictions and limitations.
Main restriction