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

  • Updated

What is travel insurance?

Travel insurance coverage provides you with a range of services to help you in the event of an accident, death, repatriation or legal proceedings occurring during your trip.

 

What is purchase protection insurance?

Purchase protection offers you coverage against theft and accidental damage for all products paid in full with your Qonto Plus or X card. It covers a wide range of goods, including laptops and electronic devices.

 

 

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

Eligible trips

  • The trip was purchased with the Qonto Plus or X card

  • The trip was more than 100 km from the insured home or office location

  • The trip lasted less than 90 days

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

Trip cancellation

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

  • Up to €5,000 per insured person / per year

Travel delay

  • Inconvenient expenses you encounter due to a train or flight delay or cancellation.

    For example, food, drinks, accommodation, airport transfers or the purchase of a new ticket may be reimbursed.

  • The limit is €800 per claim, regardless of the number of insured people on the trip.

Luggage

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

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

Car rental waiver

  • Refund up to €5,000 for the excess you had to pay in the event 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 excess.

Snow & mountain

  • Search and rescue costs in the mountains

  • Medical costs

  • Damage to ski gear

  • Unused ski lessons and unused ski passes following an accident

Purchase protection

  • The minimum purchase value must be above €50.

  • The 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 purchased the smartphone in full with your card.

Items not covered

  • Animals, plants, food or drinks

  • New or used motor vehicles

  • Cash, traveller's cheques, bonds, securities, shares or any negotiable instrument

  • Transport tickets

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

  • Jewellery or precious stones, works of art, gold or silver products

  • Goods purchased for resale

  • Weapons and counterfeit items

 

Where can I get the travel insurance certificate for my visa application?

If a visa agency or embassy asks you for a travel insurance certificate for your trip, paid with your Qonto Plus or X card, you can request it via this request form.

ℹ️ Please note that the Mirror card is sold out.