What insurances do I get with my Monzo account? – Monzo travel insurance

Below you will find an overview of the travel insurance benefits available to Monzo Premium, Monzo Max and Monzo Max Family account holders in partnership with us at Qover. These benefits are designed to offer protection for your travel plans.

Important information

All of the benefits above may also apply to family members if you hold a Monzo Premium or a Monzo Max Family plan.

Where can I find the terms & conditions for each of those benefits?

You can find all terms and conditions in your Monzo app.

How can I file a claim?

The most straightforward method to submit your travel insurance claim is by filling out the online claim form accessible in your Monzo app:

1. Open your Monzo app.

2. Go to the insurance section.

3. Tap 'File a claim' to start the process.

If you're having trouble accessing the app, you can also submit a claim online via monzo.qover.com.

NB. Claims received via any other channel than the insurance claim form (e.g. by sending an email) will not be considered.

Is there a part of the claim I have to pay myself?

An excess of £50 is applied to most of the offered coverages, with the exception of the following coverages:

Section 2 – Delayed Departure
Section 3 – Missed Departure
Section 8 – Hospital Benefit
Section 9 – Personal Liability
Section 10 – Personal Accident
Section 12 - Hijack
Section 14 - Hire Car Excess.

Please check the details under the "Benefit Table" of the T&Cs.

Keep in mind

For medical emergencies, please call Zurich Assist for help. Then, always fill out the in-app or online claim form to submit a claim—even if you’re not sure whether it’s covered. That way, we can keep a clear record and take a closer look at your situation. Just remember to keep any relevant receipts or official documents, like a police report in case of theft, to help support your claim.