How do I activate the Revolut Card complimentary travel insurance?

You need a paid Premium, Metal or Ultra plan first: the free Standard and the Plus plans include no travel insurance. For an overseas trip, you then pay the full return airfare or cruise fare with a card linked to your Revolut account before you leave New Zealand. For a trip within New Zealand, paying $500 or more on accommodation, or the full return fare, with the card does it. There is no registration step. You must be a New Zealand resident, 79 or younger when you make the purchase, and the plan must still be active and paid up when something goes wrong. A one-way ticket, or a fare paid with points, gives no cover.

Who is covered under my Revolut Card complimentary insurance?

The plan member is covered, along with a spouse, de facto or civil union partner and dependent children, as long as they travel with the plan member on every part of the trip. Dependent children means children aged 18 or under, full-time students aged 24 or under, or a child of any age who cannot support themselves. Each covered person gets their own limits, and the excess applies to each of them for each event. Everyone must be a New Zealand resident and 79 or younger when the travel purchase is made. A partner travelling separately, or a child flying out a week later, is not covered.

Does the Revolut Card cover rental car excess?

Yes, on Premium, Metal and Ultra: up to $4,000 on an overseas hire and $3,000 on a hire in New Zealand. It reimburses the excess the rental company charges after collision damage, fire, malicious damage or theft, so it is an excess-reimbursement benefit, not a damage waiver. You must pay the entire rental, including the rental company's own damage cover, with a card linked to your paid plan, hire for less than 30 days and be a nominated driver. Sedans, hatchbacks, station wagons and SUVs qualify; campervans, motorhomes and vans do not. The policy excess of $500 on Premium, or $250 on Metal and Ultra, comes off the claim.

How do I make a claim on my Revolut Card insurance?

In an emergency overseas, call Chubb Assistance on +64 9 374 1774 before you get treatment, because the policy wording lets Chubb limit costs if you did not try to call first. For everything else, lodge the claim online at chubbclaims.co.nz or call Chubb on 0800 600 604, and tell Chubb as soon as reasonably practicable. Send itemised medical bills, receipts, any police or airline report, and the Revolut statement showing the return fare went on the card. Chubb decides within 10 business days once it has everything. If you disagree, use Chubb's complaints service first; after a deadlock letter you have three months to take it to Financial Services Complaints Ltd (FSCL), a free independent scheme that can award up to $500,000.

What does the Revolut Card complimentary insurance not cover?

Five gaps catch people. First, the free Standard and the Plus plans have no travel insurance at all. Second, a trip whose full return fare did not go on a Revolut card is not covered. Third, pre-existing medical conditions are excluded, and the policy wording offers no way to buy that cover back. Fourth, trips are only covered up to 30 days on Premium, 60 on Metal and 90 on Ultra, and travellers aged 80 or older at booking are not covered. Fifth, there is no medical cover on trips within New Zealand, and activities such as heli-skiing, bungee jumping, scuba diving deeper than 30 metres or motor racing are excluded.

Does the Revolut Card travel insurance cover COVID-19?

Yes, within limits. The policy wording treats COVID-19 like any other illness, so trip cancellation applies if you or a travelling companion catch it and a doctor says you can't travel, and overseas medical pays for treatment when COVID-19 is first diagnosed during the trip. It pays nothing for border closures or Do Not Travel warnings linked to COVID-19, or for mandatory quarantine, except reasonable extra travel or accommodation costs tied to a valid illness claim. Flight delays or cancellations caused by COVID-19 are also excluded from the trip delay benefit.

Does the Revolut Card cover skiing or snowboarding?

Recreational skiing and snowboarding are not excluded, so on an overseas trip the medical cover pays for a ski injury up to $1,000,000 on Premium or $2,000,000 on Metal and Ultra, and the transfer to hospital sits inside the $250,000 evacuation sub-limit. Heli-skiing, ski-racing, ski-jumping, ski-stunting, paraskiing and skidoo are excluded. Your own skis and boards are only covered if an airline or other carrier loses or damages them, hired gear is excluded, and there is no lift pass refund. On a ski trip within New Zealand, there is no medical cover from the card at all.

Does the Revolut Card cover trips within New Zealand?

Yes, with a smaller set of benefits. A domestic trip counts when you stay at least two nights more than 50 km from home, or one night more than 100 km away, for up to 14 days, and you paid $500 or more on accommodation, or the full return fare, with the card. Premium then pays up to $2,000 for cancellation, $2,500 for luggage, $100 for a 6-hour flight delay and $1,000,000 for personal liability, plus $3,000 of rental car excess. Metal and Ultra raise cancellation and luggage to $3,000. There is no medical cover on domestic trips.

How long does the Revolut Card travel insurance cover me for?

It depends on your plan: up to 30 consecutive days on Premium, 60 on Metal and 90 on Ultra for an overseas trip, and 14 days for a trip within New Zealand. The policy wording ends the trip once it passes that limit, so a seven-week trip on Premium is mostly uninsured. If you are hospitalised overseas, medical, baggage and liability cover can extend past your return date for up to 12 months, and a delayed public transport return adds up to three days automatically. For a longer trip, upgrade the plan before booking or buy a standalone policy.

Which Revolut plan includes travel insurance in New Zealand?

Only the paid Premium, Metal and Ultra plans include it, under a group policy issued by Chubb Insurance New Zealand. Premium costs $11.99 a month and gives $1,000,000 of overseas medical, $10,000 cancellation and 30-day trips. Metal, at $22.99 a month, doubles the medical cover to $2,000,000, raises cancellation to $20,000 and allows 60-day trips with a $250 excess. Ultra, at $79.99 a month, keeps Metal's limits and stretches trips to 90 days. The Plus plan has no travel insurance, but since 16 March 2026 it carries Chubb's Retail Item Cover, like Premium, Metal and Ultra: 90 days of theft and accidental damage cover on new purchases, plus an extended warranty. The free Standard plan, the card in most people's wallets, has no insurance at all.

Revolut Card travel insurance: what do Premium, Metal and Ultra actually cover?

Revolut·$144/year·Visa debit·Chubb Insurance New Zealand Limited

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated 14 October 20268 min read

2,5/5Independent review · verified October 2026

Travel Insurance

2,5

Car Rental

2,7

Winter Sports

3,0

Protection

1,8

Our Verdict · Travel Insurance

Our take on travel insurance for the Revolut Revolut Card

Expert review · Pauline LauroreAuthor of HelloSafe's card insurance reviews

No cover on the free Standard card. $1,000,000 overseas medical on Premium. Here's how the plans split before you book. So, you're in a Bali clinic and the front desk asks who's paying: on a Premium, Metal or Ultra plan, Revolut travel insurance (a Chubb group policy) pays emergency treatment up to $1,000,000 on Premium or $2,000,000 on Metal and Ultra, after a $500 or $250 excess (the first slice of each claim you pay yourself). Most cardholders assume any Revolut card insures the trip. It doesn't: cover only switches on when the full return airfare or cruise fare went on a card linked to the paid plan before departure, so a points booking or a one-way ticket leaves you uninsured. Trip length is the next catch, because the policy wording only covers trips of up to 30 days on Premium, 60 on Metal and 90 on Ultra, and pre-existing conditions are excluded on all three. If you're 79 or younger, healthy and away for less than a month, Premium does the job; for a long OE or a medical history, a standalone New Zealand travel policy is the safer buy.

What works on travel

Overseas emergency medical up to $1,000,000 on Premium and $2,000,000 on Metal and Ultra, for up to 12 months
COVID-19 treated like any other illness for cancellation and overseas medical
Trip cancellation up to $10,000 per person on Premium and $20,000 on Metal and Ultra
Trips within New Zealand covered too, with $2,000 cancellation and $2,500 luggage on Premium
Personal liability up to $2,500,000 on overseas trips

Where travel breaks down

No travel insurance at all on the free Standard or the Plus plan
The full return fare must go on a Revolut card before departure: points or one-way tickets get no cover
Short trip limits of 30 days on Premium, 60 on Metal and 90 on Ultra
$500 excess per claim on Premium ($250 on Metal and Ultra) and pre-existing conditions excluded
Cover stops the moment the paid plan is cancelled, suspended or changed

Our methodology

Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.

Travel Insurance · 20 guarantees

What does Revolut Revolut Card Travel Insurance actually cover?

Cover only exists if the full return fare went on a Revolut card linked to a paid plan. A fare paid with points or another card leaves the cancellation uninsured.

Deductible : $500

Capped at $10,000 per person on Premium and $20,000 on Metal and Ultra for non-refundable, unused deposits, excursions, travel and accommodation paid in advance. It pays when you cancel, cut short or change a trip for a listed reason, such as illness, injury or death, redundancy, jury service, a cancelled transport service or a natural disaster. COVID-19 is treated like any other illness. A $500 excess applies on Premium, $250 on Metal and Ultra.

What's covered

Cancellation before departure
Curtailment (cutting the trip short and returning home)
Trip changes after departure
Illness, injury or death of you, a travelling companion or a close relative
Redundancy, revoked armed services or emergency services leave, jury service
Transport cancelled by strike, adverse weather or mechanical breakdown
Natural disaster at the destination or at home, or a natural disaster Do Not Travel warning issued after booking

What's not covered

Change of mind or disinclination to travel
Pre-existing medical conditions (unless the relative's death was not from a terminal illness)
Additional travel or accommodation expenses
Government restrictions, border closures and mandatory quarantine (except listed cases)
Work commitments and financial circumstances
Insolvency of a travel provider
Foreseeable circumstances at the time of booking

Capped at $1,000,000 on Premium, not unlimited. ACC and the public health system pay nothing overseas, so anything above the cap is yours.

Deductible : $500

Overseas emergency medical and hospital costs are capped at $1,000,000 on Premium and $2,000,000 on Metal and Ultra, for up to 12 months from the injury or illness. COVID-19 first diagnosed on the trip is treated like any other illness. A $500 excess applies on Premium, $250 on Metal and Ultra, and the cover stops once you return to New Zealand or are declared fit to fly home.

What's covered

Emergency medical treatment and hospital costs overseas
Emergency dental treatment to natural teeth (sub-limit $1,250)
Repatriation and evacuation (sub-limit $250,000)
Incidental hospital expenses and extra accommodation (sub-limits)
COVID-19 first diagnosed during the trip

What's not covered

Pre-existing medical conditions
Any treatment in New Zealand
Excluded sports and activities (heli-skiing, bungee jumping, motor racing and others)
Treatment that can wait until you are home
Childbirth and pregnancy after the 23rd week
Trips to destinations under a Do Not Travel warning before departure

Deductible : $500

Repatriation and evacuation are capped at $250,000 on every plan, inside the overseas medical limit. It pays transport to the nearest hospital, evacuation to an adequately equipped hospital, or the flight home once a doctor or Chubb Assistance's medical officer clears you to travel. Chubb Assistance must approve the move first.

What's covered

Transport to the nearest hospital
Evacuation to an adequately equipped hospital
Repatriation to New Zealand when medically cleared
Return home after hospitalisation if the original ticket cannot be used

What's not covered

Repatriation arranged without first discussing it with Chubb Assistance (costs above preferred providers)
Pre-existing medical conditions
Repatriation of remains is not listed in the policy wording

Deductible : $500

Emergency dental treatment overseas is covered up to $1,250 on every plan, as a sub-limit of the medical cover. It pays for treatment to natural teeth that cannot wait until you are back in New Zealand. The plan's medical excess applies.

What's covered

Emergency treatment to natural teeth overseas

What's not covered

Decay or deterioration of teeth
Dentures, crowns and orthodontics
Routine dental treatment

Deductible : $500

Incidental expenses, such as food and toiletries, are paid at $50 for each full 24 hours you spend in hospital overseas as an in-patient, up to $3,000. It sits inside the overseas medical cover and is the same on every plan.

What's covered

Food, toiletries and similar incidentals during an in-patient stay overseas

What's not covered

Out-patient visits
Stays in New Zealand
Pre-existing medical conditions

Only pays extra nights after a medical emergency. A cancelled flight or a natural disaster that strands you leaves the extra hotel nights on you.

Deductible : $500

Extra accommodation is paid only after a medical emergency overseas: up to $200 a night, room only, to a maximum of $4,000, for you and a person who stays to support you. A solo traveller can also have a friend or relative flown out (economy airfare up to $1,000, accommodation up to $2,100). Other disruptions, such as a cyclone closing an airport, are not covered here.

What's covered

Extra accommodation (room only) after a covered medical emergency overseas
Accommodation for a person staying to support you
For solo travellers: economy return airfare up to $1,000 and accommodation up to $2,100 for a friend or relative

What's not covered

Additional expenses after non-medical disruptions (weather, strikes, natural disasters)
Meals and transport
Domestic trips

Deductible : No deductible

If a scheduled flight is delayed or cancelled for 6 hours or more, you are bumped, or you miss a connection with no alternative within 6 hours, the card pays extra hotel accommodation (room only) up to $600 on Premium and $750 on Metal and Ultra. No excess applies. Meals and transport are not reimbursed.

What's covered

Flight delayed or cancelled for 6 hours or more
Denied boarding with no alternative flight within 6 hours
Missed connection with no onward flight within 6 hours

What's not covered

Delays or cancellations caused by COVID-19
Meals and transport costs
Non-scheduled flights

No alternative transport cover. A missed connection only pays a hotel room under the trip delay benefit, up to $600 on Premium. The cost of alternative transport to reach a prepaid cruise, tour or event on time is out of pocket.

What's not covered

Alternative transport costs to reach a prepaid cruise, tour or event

It pays the flight back to resume the trip, not the flight home. Short trips under 15 days get nothing from this benefit.

Deductible : $500

Resumption of a long overseas trip pays up to $3,000 on every plan for a flight back to where you left off, after you came home because a close relative died, was injured or fell ill. The trip must be 15 days or longer, you must resume within 30 days and have more than 14 days left. The flight home itself is not paid here, only unused prepaid costs under cancellation.

What's covered

Return flight of equal class to resume the trip after a family emergency

What's not covered

Close relatives aged 80 or over or not resident in New Zealand
Terminal illness diagnosed before booking
Transport within New Zealand
Flights not booked before the trip started

Deductible : No deductible

If checked-in luggage on a scheduled flight is not delivered within 12 hours of arrival, the card reimburses essential clothing and toiletries for the first 24 hours, up to $400 on Premium and $500 on Metal and Ultra. No excess applies. The flight home is excluded.

What's covered

Essential clothing and toiletries bought after a 12-hour bag delay

What's not covered

Bag delay on the flight that returns you home
Items not reasonably necessary for the trip
Confiscation by customs

Deductible : $500

Luggage and personal effects are covered up to $10,000 per person on Premium and $15,000 on Metal and Ultra, with valuables capped at $8,000 ($13,000 on Metal and Ultra). Sub-limits apply: one smartphone $2,000, one laptop $5,000, one camera $2,500, any other single item $1,000 on Premium. Depreciation is deducted and a $500 excess applies on Premium, $250 on Metal and Ultra.

What's covered

Accidental loss, damage or destruction of baggage and valuables
Theft while carried by you or within 3 metres of you
Theft from locked accommodation
Loss or theft from an airline, ship, bus or train hold

What's not covered

Items left unattended in a public place
Valuables or money in checked-in luggage
Valuables left in a vehicle
Sporting equipment unless in a carrier's custody
Hired, loaned or entrusted items
Electrical or mechanical breakdown, wear and tear
Loss or damage caused by fire

Deductible : $500

Money and travel documents (tickets, passport, visas and driving licence) are covered up to $500 on Premium and $1,000 on Metal and Ultra, as a sub-limit of the baggage cover. Loss must be reported to the police or the issuing authority. The baggage excess applies.

What's covered

Lost or stolen cash and travel documents

What's not covered

Shortages, errors or exchange-rate losses
Cryptocurrency
Gift cards, vouchers and pre-loaded cards
Money left unattended in a vehicle

Deductible : $500

Personal liability is covered up to $2,500,000 on overseas trips and $1,000,000 on domestic trips, on every plan. It pays legal costs and damages if you accidentally injure someone or damage their property. The plan excess applies.

What's covered

Accidental injury to another person
Accidental damage to someone else's property
Damage to accommodation you temporarily occupy

What's not covered

Injury to family, close relatives or travelling companions
Motor vehicles, aircraft, drones and most watercraft
Excluded sports and activities
Intentional or criminal acts
Fines and punitive damages

Only pays for a death on public transport. A fatal accident in a hire car, taxi or on foot pays nothing.

Deductible : No deductible

A $100,000 lump sum on Premium, $200,000 on Metal and Ultra, is paid if an adult dies in an accident while travelling as a passenger on public transport, boarding or leaving it. Dependent children are not covered. There is no general accidental death or disablement cover.

What's covered

Accidental death as a public transport passenger
Death from exposure or disappearance after a public transport accident

What's not covered

Privately hired, rented or chartered transport, including taxis and rideshare
Accidents outside public transport
Permanent disablement
Dependent children

No loss of income cover. This benefit is not included with this card. Injured in Bali and off work for 8 weeks on your return, you get no income replacement from this card, and ACC weekly compensation only applies to injuries ACC covers.

What's not covered

Loss of income after an injury overseas

Deductible : $500

Trips within New Zealand are covered for cancellation up to $2,000 on Premium and $3,000 on Metal and Ultra. The trip must take you more than 50 km from home for two nights, or more than 100 km for one night, for up to 14 days. A $500 excess applies on Premium, $250 on Metal and Ultra.

What's covered

Cancellation, curtailment or change of a domestic trip for the same listed reasons as overseas

What's not covered

Same exclusions as overseas cancellation
Trips under the distance or night thresholds

Deductible : No deductible

A domestic flight delayed or cancelled for 6 hours or more pays up to $100 for a hotel room on every plan. No excess applies.

What's covered

Hotel accommodation after a 6-hour domestic flight delay, cancellation or missed connection

What's not covered

Delays caused by COVID-19
Meals and transport

No domestic additional expenses. This benefit is not included with this card, and the medical section does not apply on domestic trips. Extra accommodation and transport after a disruption on a trip within New Zealand are out of pocket.

What's not covered

Extra accommodation and transport on trips within New Zealand

Deductible : $500

Luggage on a trip within New Zealand is covered up to $2,500 on Premium and $3,000 on Metal and Ultra, with single items capped at $500. Depreciation is deducted and a $500 excess applies on Premium, $250 on Metal and Ultra.

What's covered

Loss, theft or damage of luggage on a qualifying domestic trip

What's not covered

Same exclusions as the overseas baggage cover

Deductible : No deductible

If a bag checked in on a domestic flight is not delivered within 12 hours, essential clothing and toiletries are reimbursed up to $100 on every plan. No excess applies.

What's covered

Essentials bought after a 12-hour domestic bag delay

What's not covered

Delay on the flight that returns you home

Policy document 1

Policy document 2

Policy document 3

Policy document 4

We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?

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Coverage Radar

Where the Revolut Revolut Card wins, where it loses

Coverage snapshot for this tab — click any layer to highlight its scores.

Overseas emergency dental: above the market average

Hospital cash allowance: above the market average

Trip cancellation: above the market average

Compare

Revolut CardThis card2.5/5?

$144/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$297 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Revolut Revolut Card stacks up against the alternatives

Same 5 coverage dimensions, ranked head-to-head against the cards most Revolut Card shoppers also consider.

Card	This card Revolut Card Revolut · $144/yr 2.5/5?	Visa Platinum Rewards ASB · $125/yr 3.2/5?	Platinum Card American Express · $850/yr 3.6/5?
Trip cancellation Per person, per trip cap	$10,000 per person Capped $10,000 (Premium)	Unlimited All prepaid deposits, no dollar cap	$30,000 per person All prepaid travel, $30,000 cap
Emergency medical Hospital bills abroad	$1,000,000 Capped $1,000,000 (Premium)	Unlimited Unlimited, ages 75 and under	$5,000,000 Capped $5,000,000, overseas only
Emergency evacuation Air ambulance + repatriation	$250,000 Sub-limit within medical cover	Unlimited Included in unlimited medical	$5,000,000 Approved by Chubb Assistance
Trip delay trigger Hours before benefits kick in	6h / $600 Trigger: 6 hours	6h / $400 Trigger: more than 6 hours	4h / $650 Trigger: 4 hours
Trip interruption Covered amount	$4,000 Medical emergency only	Unlimited Unlimited, broad list of events	$5,000 per person Trip change during the trip

StrongLimited / misleadingNot covered

Data verified against each card's Guide to Benefits, May 2026.

Cardholder reviews

What cardholders say about the Revolut Revolut Card

Real experiences of spending overseas with the card 1 reviews

u/Im_from_NZed (r/PersonalFinanceNZ)

May 2026

No problems across the US, Pacific and Australia

Used Revolut alot throughout the US, Pacific and Australia. No problems at all. I have joined Plus and a Premium for short periods on longer trips, for the added exchange Caps, Worth it.

New Zealand Claims & Enquiries (Chubb)

0800 600 604

Free call within New Zealand

Chubb Assistance Overseas Emergency

+64 9 374 1774

Benefit administrator: Chubb Insurance New Zealand Limited for Revolut New Zealand (Premium, Metal and Ultra plans)

Claims & pre-authorizations

How to make a Revolut Card insurance claim

Step 1: Call Chubb Assistance before treatment overseas

If you are hurt or ill overseas, call Chubb Assistance on +64 9 374 1774 before you seek treatment, or ask someone to call for you. The policy wording lets Chubb limit medical costs if no reasonable attempt was made to call first, so keep the call log. Report any theft to the local police, and any lost or delayed bag to the airline, and get a written report.

Step 2: Lodge the claim with proof the fare went on your Revolut card

Lodge online at chubbclaims.co.nz, call 0800 600 604 or email cardinsuranceservices.ANZ@chubb.com, quoting your plan's policy number. Send itemised bills, receipts, any police or airline report, and the Revolut statement showing the full return fare (or the whole rental) was charged to a card linked to your Premium, Metal or Ultra plan. The excess ($500 on Premium, $250 on Metal and Ultra) is deducted. Chubb decides within 10 business days once it has all the information.

Step 3: If Chubb says no, take it to FSCL

Start with Chubb's Complaints and Customer Resolution Service on +64 9 377 1459 or Complaints.NZ@chubb.com. If it is not resolved within two months, or you receive a deadlock letter, you have three months to refer it to Financial Services Complaints Ltd (FSCL) on 0800 347 257 or fscl.org.nz. FSCL is free and independent, and can award up to $500,000.

You need a paid Premium, Metal or Ultra plan first: the free Standard and the Plus plans include no travel insurance. For an overseas trip, you then pay the full return airfare or cruise fare with a card linked to your Revolut account before you leave New Zealand. For a trip within New Zealand, paying $500 or more on accommodation, or the full return fare, with the card does it. There is no registration step. You must be a New Zealand resident, 79 or younger when you make the purchase, and the plan must still be active and paid up when something goes wrong. A one-way ticket, or a fare paid with points, gives no cover.
The plan member is covered, along with a spouse, de facto or civil union partner and dependent children, as long as they travel with the plan member on every part of the trip. Dependent children means children aged 18 or under, full-time students aged 24 or under, or a child of any age who cannot support themselves. Each covered person gets their own limits, and the excess applies to each of them for each event. Everyone must be a New Zealand resident and 79 or younger when the travel purchase is made. A partner travelling separately, or a child flying out a week later, is not covered.
Yes, on Premium, Metal and Ultra: up to $4,000 on an overseas hire and $3,000 on a hire in New Zealand. It reimburses the excess the rental company charges after collision damage, fire, malicious damage or theft, so it is an excess-reimbursement benefit, not a damage waiver. You must pay the entire rental, including the rental company's own damage cover, with a card linked to your paid plan, hire for less than 30 days and be a nominated driver. Sedans, hatchbacks, station wagons and SUVs qualify; campervans, motorhomes and vans do not. The policy excess of $500 on Premium, or $250 on Metal and Ultra, comes off the claim.
In an emergency overseas, call Chubb Assistance on +64 9 374 1774 before you get treatment, because the policy wording lets Chubb limit costs if you did not try to call first. For everything else, lodge the claim online at chubbclaims.co.nz or call Chubb on 0800 600 604, and tell Chubb as soon as reasonably practicable. Send itemised medical bills, receipts, any police or airline report, and the Revolut statement showing the return fare went on the card. Chubb decides within 10 business days once it has everything. If you disagree, use Chubb's complaints service first; after a deadlock letter you have three months to take it to Financial Services Complaints Ltd (FSCL), a free independent scheme that can award up to $500,000.
Five gaps catch people. First, the free Standard and the Plus plans have no travel insurance at all. Second, a trip whose full return fare did not go on a Revolut card is not covered. Third, pre-existing medical conditions are excluded, and the policy wording offers no way to buy that cover back. Fourth, trips are only covered up to 30 days on Premium, 60 on Metal and 90 on Ultra, and travellers aged 80 or older at booking are not covered. Fifth, there is no medical cover on trips within New Zealand, and activities such as heli-skiing, bungee jumping, scuba diving deeper than 30 metres or motor racing are excluded.
Yes, within limits. The policy wording treats COVID-19 like any other illness, so trip cancellation applies if you or a travelling companion catch it and a doctor says you can't travel, and overseas medical pays for treatment when COVID-19 is first diagnosed during the trip. It pays nothing for border closures or Do Not Travel warnings linked to COVID-19, or for mandatory quarantine, except reasonable extra travel or accommodation costs tied to a valid illness claim. Flight delays or cancellations caused by COVID-19 are also excluded from the trip delay benefit.
Recreational skiing and snowboarding are not excluded, so on an overseas trip the medical cover pays for a ski injury up to $1,000,000 on Premium or $2,000,000 on Metal and Ultra, and the transfer to hospital sits inside the $250,000 evacuation sub-limit. Heli-skiing, ski-racing, ski-jumping, ski-stunting, paraskiing and skidoo are excluded. Your own skis and boards are only covered if an airline or other carrier loses or damages them, hired gear is excluded, and there is no lift pass refund. On a ski trip within New Zealand, there is no medical cover from the card at all.
Yes, with a smaller set of benefits. A domestic trip counts when you stay at least two nights more than 50 km from home, or one night more than 100 km away, for up to 14 days, and you paid $500 or more on accommodation, or the full return fare, with the card. Premium then pays up to $2,000 for cancellation, $2,500 for luggage, $100 for a 6-hour flight delay and $1,000,000 for personal liability, plus $3,000 of rental car excess. Metal and Ultra raise cancellation and luggage to $3,000. There is no medical cover on domestic trips.
It depends on your plan: up to 30 consecutive days on Premium, 60 on Metal and 90 on Ultra for an overseas trip, and 14 days for a trip within New Zealand. The policy wording ends the trip once it passes that limit, so a seven-week trip on Premium is mostly uninsured. If you are hospitalised overseas, medical, baggage and liability cover can extend past your return date for up to 12 months, and a delayed public transport return adds up to three days automatically. For a longer trip, upgrade the plan before booking or buy a standalone policy.
Only the paid Premium, Metal and Ultra plans include it, under a group policy issued by Chubb Insurance New Zealand. Premium costs $11.99 a month and gives $1,000,000 of overseas medical, $10,000 cancellation and 30-day trips. Metal, at $22.99 a month, doubles the medical cover to $2,000,000, raises cancellation to $20,000 and allows 60-day trips with a $250 excess. Ultra, at $79.99 a month, keeps Metal's limits and stretches trips to 90 days. The Plus plan has no travel insurance, but since 16 March 2026 it carries Chubb's Retail Item Cover, like Premium, Metal and Ultra: 90 days of theft and accidental damage cover on new purchases, plus an extended warranty. The free Standard plan, the card in most people's wallets, has no insurance at all.