Pay 
Language 
Currency 
No results found
N26 travel insurance reviews: Advantages & disadvantages
Discover reviews of N26 travel insurance. See what customers think about its coverage and ease of use.
If you’re a frequent traveller, you’re probably familiar with the N26 card. But did you know it also offers travel insurance? If you weren’t aware, stick with us, as we’ll tell you everything you need to know about this service, including what people who’ve already experienced it think. Discover the N26 travel insurance: Reviews, coverage, pros and cons, customer service, and more. If you stay until the end, you’ll have a much clearer picture of what N26 offers with its travel insurance and whether it’s right for your needs.
We all know that travelling is one of life’s great pleasures. Just thinking about a new destination, planning a route, reviewing itineraries, looking for excursions, and booking accommodation is exciting. The enthusiasm and positive energy you put into planning a trip is palpable and helps things flow smoothly. However, unforeseen events can arise before and during your journey. They don’t necessarily have to be serious – it could be a simple upset stomach from eating an exotic product at a street vendor in Bangkok, or a sprained ankle while hiking the Ronda Trails in Costa Brava.
Or maybe your luggage gets damaged or lost. Whatever the case, having travel insurance is a relief in case things go wrong. That’s why, among all the things a traveller needs to consider before embarking on an adventure, securing a service like this is crucial. The same can be said about Holafly monthly plans, essential for multi-destination travellers who never tire of discovering new places. With this type of plan, you’ll have Internet at all times without the need to sign up for a new data package every time you move to a new location.
Now, is N26 a reliable insurance? Let’s take a closer look.
What is N26 and what travel insurance does it offer?
N26 is a German fintech company known for revolutionising digital banking services. Founded in 2013 and based in Berlin, this company has transformed how people manage their money by offering a fully digital banking experience through its mobile app. In addition to financial services like bank accounts, debit cards, and money management tools, N26 also includes travel insurance in its premium plans. Therefore, along with your card, you’ll have coverage to travel worry-free.
The N26 travel insurance is a coverage plan designed specifically for people who want to travel without worries. This benefit is available in the N26 You and N26 Metal plans, which combine banking services with travel protections. The company behind it is Allianz Assistance, a well-established provider in the travel insurance market, ensuring reliable and professional support for users.
What does N26 travel insurance cover?
N26 travel insurance offers comprehensive coverage, similar to what most services of this type provide. You’ll be covered for medical emergencies or illnesses that occur during your trip, lost or damaged luggage, flight delays of over two hours, and even if you need to cancel your trip for a reason covered by the policy. It also includes coverage for medical repatriation and third-party liability.
Here’s a more detailed breakdown of what your N26 travel insurance will cover:
- Medical expenses and emergencies abroad: The insurance offers emergency medical assistance (illness or accidents) up to €1,000,000 ($1,080,000) for you, your partner, and children. It includes hospitalisation, medication, dental treatments, and sports accidents (in some cases).
- Trip cancellation or interruption: Reimbursement of up to €10,000 ($10,800) if you have to cancel or interrupt your trip due to covered reasons, such as illness or unforeseen events. These include natural disasters, family emergencies, or specific work-related issues.
- Flight delays: Compensation for flight delays of more than 2 hours.
- Lost or delayed luggage insurance: Compensation of up to €500 ($540) for luggage delays of over 4 hours and up to €2,000 ($2,160) for lost luggage.
- Mobile insurance: N26 Metal or N26 Business customers are covered for up to €2,000 ($2,160) for mobile phone theft or accidental damage.
- Repatriation and emergency assistance: In case of a severe medical emergency, the insurance covers the cost of repatriation to your home country.
- Third-party liability: Coverage of up to €500,000 ($540,000) for damages caused to third parties during your trip.
What’s not covered by N26 travel insurance?
As we always say, make sure to read the fine print before buying travel insurance (or any other service). It usually includes the exclusions, that is, situations where you won’t be covered. Knowing these in advance helps avoid misunderstandings and headaches.
In the case of N26 travel insurance, their plans may exclude pre-existing health conditions and their treatment (conditions you had when you took out the policy, like diabetes or hypertension); high-risk activities (skydiving or scuba diving, for example) or winter sports; and coverage in specific geographic areas. Other situations that are usually not covered include illnesses or injuries resulting from alcohol or drug use and, of course, any issues that occur outside the coverage period. On the other hand, although the insurance covers COVID-19 related illnesses, it does not apply to local outbreaks not recognised as epidemics by international health authorities.
And what about trip cancellation insurance? While the policy covers certain reasons for cancelling or interrupting a trip, it won’t cover cases where you decide not to travel without a valid reason or if cancellations occur due to visa or passport issues.
The exclusions in N26 travel insurance are similar to those in other travel insurance policies, focusing on protecting against unforeseen and reasonable risks. As we said earlier, it’s crucial to review the specific terms and conditions to ensure it meets your needs and consider additional add-ons if necessary.
How is N26 customer service?
N26 customer service stands out for its digital approach and 24/7 availability for premium users. While response times are fast, users on the basic plans may experience some limitations regarding availability and phone support access. Below is a bit more detail:
Available Support Channels
N26 customer service includes:
- In-app and web chat: The primary support channel, available 24/7 (for N26 You and Metal customers) on both the mobile app and website. Standard plan users have access during business hours.
- Online help centre: N26 has a comprehensive knowledge base on its website, where users can find answers to frequently asked questions, detailed guides, and solutions to common issues. They also have a very interesting blog with various content, including travel tips.
- Exclusive phone support for premium customers: Users of the You and Metal plans have access to personalised phone support, focused on resolving more complex issues related to transactions, insurance, or account blockages.
- Email: While not the main channel, N26 offers support via email for specific issues or cases requiring additional documentation.
- Languages: The help centre is available in multiple languages, including English, Spanish, German, French, and Italian.
N26 Travel Insurance: User Opinions on Customer Service
- Positive:
- “The live chat was fast and solved my card issue in minutes.” – José M., Trustpilot.
- “Excellent phone support for premium customers, they resolved my insurance query in one call.” – Marie L., App Store review.
- Negative:
- “The chat for standard customers is slow during weekends. It took more than 48 hours to respond.” – Laura G., Google Play.
- “There’s no emergency phone number for basic plan users, which would be useful.” – Martin H., Trustpilot.
Important: If you are a frequent traveler and want to stay connected without worrying about expensive roaming or looking for a new SIM at every destination, Holafly’s subscription plans are for you. With a single eSIM, enjoy internet in more than 160 countries for a fixed price and no surprises on your bill. Travel without limits and connect easily and securely! 🚀🌍
N26 Website Review – What Are Users Saying?
The N26 website and mobile app offer a smooth and functional user experience, in line with the company’s modern, digital-first approach. Below, we examine key aspects that define usability, ease of service registration, payment options, transparency, and tracking tools.
Website and App Usability
Both the N26 website and mobile app feature a modern, minimalist design that is easy to navigate. Menus are clearly organised, making it simple to find information about travel insurance, account features, and other services with no hassle. The platform is optimised to be fast and functional, with minimal loading times on both the web version and mobile app.
Ease of Service Registration
The process of signing up and contracting services is quick and straightforward. First, you’ll need to open an N26 account by providing a valid ID and an email address. Once the registration is complete, the entire insurance subscription process can be done online.
As previously mentioned, travel insurance is included as a benefit in the premium plans (N26 You and N26 Metal). This means that if you subscribe to these plans, your insurance will be activated immediately, with no additional steps required.
Payment Methods
N26 offers a variety of payment options, including credit cards, debit cards, and bank transfers. Additionally, customers can manage payments directly from their N26 account. One of the key strengths of N26 is the clarity of its pricing structure. The costs of the plans are clearly detailed, along with associated fees, which are easy to view before confirming the contract.
On the N26 website, all features and coverage details of the travel insurance are specified, including: Medical services, luggage protection, legal assistance. Each section is well-detailed, helping users to understand exactly what they are subscribing to. The policies, terms, and conditions are available on the website in an easy-to-read format, with options to download legal documents.
Registration and Tracking of Purchased Services
All services, including travel insurance, can be managed directly from the mobile app. This includes activation, benefit consultations, and claim submissions. For claims, users can track the status of their requests in real-time via the app.
The platform keeps a detailed record of your transaction history, renewals, and inquiries, allowing users to stay organised and keep track of their services.
N26 Travel Insurance: User Opinions on Customer Service
- Positive:
- “The N26 app is the best I’ve used. Everything is clear, and you don’t have to search much to find what you need.” – Lucía M., Trustpilot.
- “Signing up for travel insurance was super easy, and everything is integrated within the app. Very convenient for frequent travellers.” – Mark J., Google Play.
- Negative:
- “The information is clear, but I would like them to offer more details about the exclusions in the insurance.” – Ana G., App Store.
- “The app is good, but sometimes it disconnects from the server when I’m outside of Europe.” – Liam H., Trustpilot.
N26 Travel Insurance: Pros and Cons
Like any travel insurance, N26 has its advantages. Among them, it allows you to integrate the policy with your bank account directly from the app, making it easy to access information and submit claims. Additionally, when you subscribe to a premium plan, the travel insurance is activated automatically, with no further steps required. However, there are also some areas where it could improve, such as providing more efficient support for standard customers.
Here’s a table with the advantages and disadvantages of N26 travel insurance:
| Aspect | Pros | Cons |
|---|---|---|
| Coverage | Extensive international medical coverage in case of emergencies. | Does not cover extreme sports or high-risk activities. |
| Plans | Included in premium plans (N26 You and N26 Metal) with no extra costs. | Not available for standard N26 plan users. |
| Accessibility | Contracting and management fully online via the N26 app. | Requires a premium plan subscription, which may be expensive for some users. |
| Usability | Intuitive and easy-to-use app for managing insurance and submitting claims. | Some users report connectivity issues in regions outside of Europe. |
| Transparency | Terms and conditions of coverage are clearly explained on the website and in the app. | Limited information on exclusions in certain cases. |
| Support | 24/7 customer support for insurance-related inquiries. | Slower response times during periods of high demand. |
| Additional Benefits | Includes baggage protection and trip cancellation coverage. | Does not offer full coverage for all unforeseen situations, such as evacuations due to natural disasters. |
| Price | Competitive compared to traditional travel insurance, as it’s included in a premium package. | Premium plans come with a higher monthly cost compared to standalone travel insurance options. |
| Claims Process | Claims are easy to manage through the app with real-time updates. | Some users mention delays in claim approval for specific cases. |
| International Compatibility | Coverage available in most countries, ideal for frequent travellers. | Coverage may not be as comprehensive in countries with less developed healthcare systems or insurance regulations. |
Advantages and disadvantages of N26 travel insurance
N26 Travel Insurance: Customer Reviews and User Experience
Now, let’s see what customers are saying about N26 travel insurance. We’ll look at key aspects of its coverage based on reviews collected from Trustpilot and Google Play. From efficient management of medical emergencies to luggage protection and cancellation procedures, users have shared a mix of positive and negative experiences. Below are conclusions from the main usage areas.
Medical care and expenses abroad
Users highlight that N26 travel insurance provides reliable medical coverage for emergencies. On the plus side, they appreciate the speed at which they received medical assistance and the ease of managing claims directly through the app, which makes the process smoother during urgent situations.
Regarding coverage, the insurance covers major medical expenses such as hospitalisation and treatments abroad, which has been a relief for travellers in destinations where medical care is costly. Several customers noted that the insurance includes coverage for sudden illnesses and minor accidents without reimbursement issues.
On the downside, some users mentioned that response times for medical authorisations can be slower in regions outside Europe. There have also been comments about a lack of clarity in the coverage for prescribed medications after a medical consultation.
Luggage protection and tools
N26 insurance also offers protection for baggage and personal belongings, which is a plus for frequent travellers. This aspect has been positively rated by users, who highlight that the claims process is straightforward and can be done through the app, with the option to attach receipts or documents as evidence.
However, some customers pointed out that reimbursements for stolen items can take time, especially if adequate proof is not provided. Others mentioned that coverage for work tools, such as laptops, may be limited, which causes dissatisfaction in some specific cases.
Trip cancellation and refunds
The coverage for unforeseen cancellations and refunds is one of the standout features of N26 travel insurance. In this regard, users have highlighted the flexibility of the insurance to cover cancellations due to medical reasons or family emergencies, and that the reimbursement process is simple and can be fully managed online.
However, some travellers expressed frustration upon discovering that certain cancellation reasons, such as pandemics or political events, are not included in the standard coverage. Opinions on the processing times for refunds are mixed, with some users having poor experiences, while others were pleasantly surprised by how quickly their claims were processed.
Activities and public liability
Coverage for activities abroad, such as sports or vehicle rentals, has been helpful for many users. On the positive side, users praise the inclusion of third-party liability in the insurance, which covers damages to others in the event of accidents during travel. However, some travellers mention that high-risk activities, such as extreme sports, are not included in the basic coverage or require an additional fee. Additionally, they note that the additional costs to extend coverage to certain activities are not always clearly communicated, which leads to confusion.
In summary, the overall experience with N26 travel insurance is mostly positive, highlighting its ease of use and comprehensive coverage in various important areas for travellers. However, users suggest more clarity in the coverage conditions and improvements in response times for some specific situations.
N26 Travel Insurance: Frequently Asked Questions
N26 travel insurance is included in the premium N26 bank account plans (You and Metal). To activate it, you only need to subscribe to one of these plans via the N26 mobile app. Once subscribed, the insurance is automatically activated, and you can access your policy details from the benefits section in the app.
In N26 travel insurance, the basic or premium plans usually include a standard coverage suitable for most travellers. However, there are specific situations where users can opt for additional coverage to customise their insurance and better suit their needs. Here’s a summary of the additional coverages that are typically available
1. Coverage for high-risk sports (skydiving, deep-sea diving, climbing, off-piste skiing, etc.)
2. Extended coverage for personal and electronic items such as laptops, tablets, and professional cameras
3. Cancellation for any reason, including reasons not covered by standard coverage
4. Extension of civil liability.
5. Extended medical care
6. Coverage for prolonged trips
7. Family protection
8. Coverage for pandemics or emerging diseases
9. Cancellation insurance for work-related reasons
Extra coverage can easily be purchased from the N26 app when selecting an insurance plan. During the customisation process, you will have the option to add services according to your needs. Be sure to review the terms and conditions before confirming your purchase.
Yes, N26 travel insurance has international coverage in most countries. However, some sanctioned or conflict-affected territories may be excluded. It’s advisable to review the list of exclusions in the terms and conditions of the insurance before travelling.
No, N26 travel insurance is only included in the premium N26 You and N26 Metal plans. Standard accounts do not offer this coverage. To access the insurance benefits, you need to upgrade your plan through the N26 app.
If you experience a medical emergency while travelling, you can contact the insurance provider associated with N26 (Allianz Assistance) 24/7 through the international assistance number available in your app. It’s important to keep all receipts and documents related to the medical care to help expedite the reimbursement process.
You can file a claim directly from the N26 app by accessing the insurance section. There, you will find a form to describe the incident, upload supporting documents (such as receipts or medical reports), and track the status of your claim. Users highlight the ease of this digital process.
