Changes to our insurance partner

Emma Potter

 · 01/24/2022  · 01/24/2022

As well as changing our travel insurance partner to Allianz Assistance, some elements of your insurance cover are changing. This goes into effect on 1 April 2022 for all those who have been on Premium and Metal plans on or before 31 January 2022. Coverage is with White Horse until 1 April 2022. For those who have upgraded on or after 1 February 2022, your coverage is already with Allianz Assistance.

Previously, Revolut’s travel insurance benefits were provided by White Horse, this has now been cancelled and alternative benefits arranged with Allianz. These changes are summarised below.

Please see the first table below for changes that are being made to the travel insurance cover for Premium account holders and the second for Metal account holders., we encourage you to review your policy wording in full:

Premium Changes

Cover / Term

Change

Relevant policy section

Result of Change

Minimum Age

We're updating the minimum age for account holders at the start of a trip to be 18 years - the same age as you need to be to hold a Revolut account.


WHEN YOUR BENEFITS BEGIN AND END



No impact


Maximum Age

If you are from the EU we're removing the maximum age for the account holder at the start of a trip.  If you are from the UK this will remain at 75.


WHEN YOUR BENEFITS BEGIN AND END


















Cover added


Destinations

We'll now cover you for delays, cancellations and interruptions and lost baggage on domestic trips.


Domestic trips will be covered as long as you travel:


- at least 100 km away from your primary residence; or


- outside your city/town of residence, and your trip includes an overnight stay.







AREA OF VALIDITY

Trip Cancellation and Interruption

We'll now provide Trip Cancellation, Interruption and Medical expenses cover if you or your children are diagnosed with an epidemic or pandemic disease, such as COVID-19.



A. TRIP CANCELLATION

Sports Cover

You’ll be covered for a wider range of sports activities, such as bungee jumping, parachuting or SCUBA diving up to 30m depth


J. SPORTS COVER

Sports Equipment Cover

Your sports equipment cover will be covered up to  £1500 (UK residents) or €1500 (EU residents) and you will have no excess to pay


J. SPORTS COVER

Sports Equipment Rental Cover

You’ll get sports equipment rental cover if your sports equipment is damaged, lost or stolen on your trip - with no excess to pay


J. SPORTS COVER


Pre-Existing Medical Conditions

We've removed the list of ‘Allowed pre-existing medical Conditions’ from our Terms and Conditions.


Pre-Existing Medical Conditions will now be covered as long as:


- they did not cause the person to seek a medical examination, diagnosis, care or treatment by a doctor;


- they did not present symptoms; and


- they did not require the person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription and the prescription has not changed) in 12 months for UK residents or 120 days for EU residents prior to the booking date of the trip.


(Some pre-existing medical conditions may no longer be covered please see your fully policy document for details)

(Some pre-existing medical conditions may now be covered please see your fully policy document for details)

















DEFINITIONS



















Cover terms updated

Lost or Stolen Travel Documents

We'll only provide cover for lost or stolen passports or visas whilst on a trip. (some lost documents may no longer be covered)


F. LOSS OF TRAVEL DOCUMENTS


Lost or Stolen Cash

We'll no longer provide cover for lost or stolen cash whilst on a trip.

D. BAGGAGE





Cover removed

Companions

We'll automatically cover you and any eligible children up to the age of 17 on your trips - as long as they are travelling with you.


We'll no longer offer cover for additional companions.


GENERAL INFORMATION > ABOUT THESE CONDITIONS FOR BENEFICIARIES


Travel Delays

We've increased your overall benefit amount to £500 (UK residents) or €500 (EU residents) , as long as you provide receipts as evidence for your expenses.


You can claim £100 (UK residents) or €100 (EU residents)  after the first 4 hours, then an additional £100 (UK residents) or €100 (EU residents) for each further hour of delay up to the maximum benefit amount.


If you don't provide receipts, the overall benefit amount will be £350 (UK residents) or €350 (EU residents). You can claim £70 (UK residents) or €70 (EU residents) after the first 4 hours, then an additional £70 (UK residents) or €70 (EU residents) for each further hour of delay up to the maximum benefit amount.










C. TRAVEL DELAY










Benefit increased

Metal Changes

Cover / Term

Change

Relevant policy section

Result of Change

Minimum Age

We're updating the minimum age for account holders at the start of a trip to be 18 years - the same age as you need to be to hold a Revolut account.

WHEN YOUR BENEFITS BEGIN AND END


No impact


Maximum Age

If you are from the EU we're removing the maximum age for the account holder at the start of a trip.  If you are from the UK this will remain at 75.


WHEN YOUR BENEFITS BEGIN AND END





























Cover added

Destinations

We'll now cover you for delays, cancellations and interruptions and lost baggage on domestic trips.


Domestic trips will be covered as long as you travel:


- at least 100 km away from your primary residence; or


- outside your city/town of residence, and your trip includes an overnight stay.







AREA OF VALIDITY

Trip Cancellation and Interruption

We'll now provide Trip Cancellation, Interruption and Medical expenses cover if you or your children are diagnosed with an epidemic or pandemic disease, such as COVID-19.




A. TRIP CANCELLATION

Sports Cover

You’ll be covered for a wider range of sports activities, such as bungee jumping, parachuting or SCUBA diving up to 30m depth



K - SPORTS COVER

Sports Equipment Cover

Your sports equipment cover will be covered up to  £1500 (UK residents) or €1500 (EU residents) and you will have no excess to pay




K - SPORTS COVER

Sports Equipment Rental Cover

You’ll get sports equipment rental cover if your sports equipment is damaged, lost or stolen on your trip - with no excess to pay




K - SPORTS COVER

Car Hire Excess Cover

The excess payable for damage will now be covered on your trip, with no exclusions based on the part of the car that is damaged.




L - CAR HIRE EXCESS COVER


Pre-Existing Medical Conditions

We've removed the list of ‘Allowed pre-existing medical Conditions’ from our Terms and Conditions.


Pre-Existing Medical Conditions will now be covered as long as:


- they did not cause the person to seek a medical examination, diagnosis, care or treatment by a doctor;


- they did not present symptoms; and


- they did not require the person to take medication prescribed by a doctor (unless the condition or symptoms are controlled by that prescription and the prescription has not changed) in the 12 months for UK residents or 120 days for EU residents prior to the booking date of the trip.


(Some pre-existing medical conditions may no longer be covered, please see your full policy documents for details)


(Some pre-existing medical conditions may now be covered, please see your full policy documents for details)


















DEFINITIONS




















Cover terms updated

Lost or Stolen Travel Documents

We'll only provide cover for lost or stolen passports or visas whilst on a trip. (Some lost documents may no longer be covered)


F - LOSS OF TRAVEL DOCUMENTS


Lost or Stolen Cash

We'll no longer provide cover for lost or stolen cash whilst on a trip.

D - BAGGAGE

Cover removed


Travel Delays

We've increased your overall benefit amount to £500 (UK residents) or €500 (EU residents), as long as you provide receipts as evidence for your expenses.


You can claim £100 (UK residents) or €100 (EU residents)after the first 4 hours, then an additional £100 (UK residents) €100 (EU residents) for each further hour of delay up to the maximum benefit amount.


If you don't provide receipts, the overall benefit amount will be £350 (UK residents) €350 (EU residents). You can claim £70 (UK residents) €70 (EU residents) after the first 4 hours, then an additional £70 (UK residents) €70 (EU residents) for each further hour of delay up to the maximum benefit amount.










C - TRAVEL DELAY










Benefit increased