What Travel/Purchase insurance is offered on the Plus and X cards?

Coverage

Travel insurance 
eligibility

• A Plus or X cardholder.

• The spouse of a Plus or X cardholder.

• The cardholder’s unmarried children or grandchildren, under the age of 25.

• The cardholder’s fiscally dependent ascendants.

Trips eligible

• Trip purchased with the Plus or X card.

• Travel was more than 100 km from the insured home or office location.

• Trip was shorter than 90 days.

• Worldwide, except in specified countries: North Korea, Cuba, Iran, Sudan, Syria, Ukraine.

Trip cancellation

Only for X card

If your trip has been cancelled or delayed due to an accident, death, layoff, employer-caused change of holiday date, or professional change:

• €5,000 per insured person/per year.

Travel delay

Inconvenient expenses that you encounter due to:

• A train or flight delay.

• A train or flight cancellation.

• A limit of €800 per claim regardless of the number of insured people on the trip.

Food, drink, hostels, airport transfers or purchase of new ticket can be reimbursed.

Luggage

• Refund up to €1,000 per claim in the case of loss, theft or damage by the transport carrier.

• A €70 deductible, to be paid out of your own pocket, remains.

Car rental waiver

Only for X/Mirror card

• Refund up to €5000 for the excess you had to pay in case of damage or theft of the rented vehicle (provided that you rented the vehicle with your Qonto card and that the rental company does not offer insurance covering this deductible).

Snow & mountain

Only for X/Mirror card

• Search and rescue costs in the mountain.

• Medical costs.

• Damage to ski gear.

• Unused ski lessons and unused ski passes following an accident.

Purchase protection

• Minimum value of the purchase must be over €50.

• Maximum benefit amount is €1,250 per claim, and €2,500 per year/per cardholder.

• Smartphones are covered against theft or damage, as long as you are an X cardholder and you have bought the smartphone in full with the card.

Items not covered

• Animals, plants, food or beverages.

• New or used motor vehicles.

• Cash, traveller’s cheques, bonds, securities, shares, or any marketable securities or instruments.

• Transport tickets.

• Entrance tickets for any type of sporting or cultural event, concerts.

• Jewelry or precious stones, artwork, gold or silver products.

• Goods purchased for resale.

• Weapons and counterfeit objects.