How do I activate the Revolut Metal travel insurance benefits?

Revolut Metal travel insurance activates automatically for any trip paid for using your Revolut Metal plan — meaning the trip booking (flights, trains, or other common carrier fare) must be charged to your Revolut account. No pre-registration or opt-in is required. The coverage begins when you leave your primary residence to start the trip and ends when you return home. One critical condition: if you book your outbound flight with a different card and pay only ancillary expenses with Revolut, you are not covered. The activation condition is strict — the common carrier fare must be charged to your Metal account for the insurance to apply.

Who is covered under the Revolut Metal travel insurance?

Coverage extends to the Revolut Metal plan holder as the primary insured, plus ticket holders defined as the spouse or cohabitant and children (including stepchildren, foster children, and adopted children) up to age 17 who are travelling with the Metal plan holder. Coverage applies to all covered persons per beneficiary, except for the emergency accommodation benefit during a trip interruption, which applies once for all beneficiaries combined. Close relatives and family members are defined broadly in the policy and include grandparents, siblings, in-laws, aunts, uncles, and legal guardians, but their coverage applies specifically as a trigger for cancellation or interruption reasons rather than as additional insured persons.

Does the Revolut Metal offer primary or secondary rental car coverage?

The Revolut Metal offers secondary car hire excess reimbursement, not a primary CDW (collision damage waiver). In practice, this means you must purchase at least the basic CDW coverage offered by the rental company at the counter, not decline it entirely. If your rental is damaged or stolen, the rental company's insurer handles the claim first, and Revolut Metal reimburses the excess or deductible charged to you, up to a maximum of €2,000 for rentals up to 31 days. Peer-to-peer car sharing services like Turo are excluded. For domestic rentals, the rental company must be located more than 200km from your primary residence.

How do I file a claim with Revolut Metal travel insurance?

For medical emergencies requiring hospitalization or repatriation, contact XCover Assist at +44 23 8144 9963 before any medical arrangements are made — unauthorized arrangements are only reimbursed at what XCover would have paid. For all other claims, go to xcover.com/claim to start the process. Claims filed within 7 days of the incident are prioritized. At minimum, you will need a detailed description of the event. XCover will request booking invoices and receipts during the review process. For luggage theft, a Property Irregularity Report from the airline or a police report is required. Do not admit liability or make any payment on the rental damage without written consent from XCover for car hire claims.

What does the Revolut Metal travel insurance NOT cover?

The most impactful exclusions are: pre-existing medical conditions with a 12-month lookback (any consultation, symptoms, or medication in the prior 12 months disqualifies the condition); trips exceeding 90 consecutive days; and any trip where the common carrier fare was not paid with your Revolut Metal account. Business trips are excluded entirely. Extreme sports including BASE jumping, heli-skiing off-piste, rafting class V rapids, and scuba diving below 30 meters are excluded. Trip delay and cancellation do not cover adverse weather or strikes that were announced before your trip was booked. The car hire excess benefit does not apply to peer-to-peer rentals or rentals within 200km of your primary residence.

Does Revolut Metal cover emergency medical expenses abroad?

Yes. The Revolut Metal plan includes emergency medical coverage abroad up to €10,000,000, which is exceptionally high for a subscription card. Coverage applies when illness or injury requires treatment to prevent serious harm and cannot safely be managed on an outpatient basis before you return home. For higher-cost treatments or hospitalization, XCover Assist may be able to arrange direct billing with the hospital, but this is subject to the hospital's acceptance. In practice, most claims go through reimbursement. Pre-existing medical conditions are excluded under the 12-month lookback rule. Emergency dental is covered separately up to €300 with a 10% excess.

Is emergency evacuation covered by the Revolut Metal?

Yes. Medical evacuation, medical repatriation, and emergency flights are arranged by XCover Assist at no cost limit stated, subject to medical necessity. You must contact XCover Assist before any repatriation arrangements are made — if you organize transport without prior authorization, XCover will only reimburse what they would have paid for the same arrangement. If you are hospitalized for more than 72 hours, or have a sudden life-threatening condition, travel costs for a friend or family member to travel to you are also covered. Repatriation of remains in the event of death is arranged by XCover Assist. Dependents aged 17 and under have their return costs covered.

Is cell phone protection included with the Revolut Metal?

No. The Revolut Metal plan does not include a dedicated cell phone protection benefit. There is no coverage for accidental damage, cracked screens, or mechanical failure of your phone outside of a trip. During a covered trip, your phone may qualify under the personal property benefit if it is lost, stolen, or damaged, but the per-item cap is €250 with an original receipt, and a police report is required for theft claims. A screen replacement for a flagship smartphone typically costs $300 to $500 — well above the per-item cap. For dedicated phone coverage, a standalone device protection plan would close this gap.

Is the Revolut Metal plan worth it for travel insurance?

The Revolut Metal plan's €10,000,000 emergency medical limit, 17 trip cancellation covered reasons, and 4-hour trip delay trigger are genuinely strong for a $16.99/month subscription. The weak points are the strict activation condition (the trip must be paid with your Metal account), the 90-day maximum trip length, and the secondary car hire coverage that requires purchasing the rental company's basic CDW first. If your primary use case is a single international trip per year under 90 days, paid fully through Revolut, the coverage provides real value. For travelers with longer trips, pre-existing conditions, or who book through multiple cards or travel agents, the gaps are material and a standalone travel insurance policy would fill them.

What trip cancellation reasons are covered by the Revolut Metal?

The Revolut Metal covers 17 trip cancellation reasons: illness, injury, or death (including Covid-19) of you or a ticket holder; individual quarantine caused by a contagious disease; a life-threatening illness of a close relative not travelling with you; your home becoming uninhabitable; being summoned for legal proceedings; natural disaster or carrier cancellation with a 24-hour delay; a traffic accident on departure date; involuntary unemployment; new permanent employment; employer relocation of 150km or more; active first responders being recalled; armed forces recall; missing at least half the trip due to carrier delay, strike, or natural disaster; lost or stolen travel documents; death of a family member or service animal; medical inability to receive a required immunization; and a legal notice to attend an adoption proceeding. A 10% excess applies per claim, capped at €50.

Revolut Metal benefits: which travel insurance protections actually pay out?

Revolut·$204/year·Visa·New Hampshire Insurance Company (AIG)

Pauline LauroreAuthor of HelloSafe's card insurance reviewsUpdated June 11, 20268 min read

3,0/5Independent review · verified June 2026

Travel Insurance

3,6

Car Rental

2,4

Protection

1,0

Our Verdict · Travel Insurance

Our opinion on Revolut Metal Travel Insurance

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

Exceptional medical limit. Narrow activation window. Here is what that actually means when you need to file. The Revolut Metal plan benefits include a €10,000,000 emergency medical cap: one of the highest figures on any subscription card on the market, but coverage is reimbursement-based, which means you advance the full hospital bill before you see a cent back. XCover may be able to arrange direct billing subject to the hospital's acceptance. Trip cancellation covers 17 reasons including illness, job loss, armed forces recall, and travel document theft, with a 10% excess capped at €50 per claim. The catch that cardholders discover too late: the trip must be paid for using your Revolut Metal plan, and the maximum trip length is 90 days. Most cardholders assume any trip they take qualifies. It does not. If you booked the flight on a different card, you are not covered, even if you use your Revolut Metal for everything else on the trip. Filing goes through xcover.com/claim; XCover Assist handles medical emergencies 24/7 at +44 23 8144 9963. Claims prioritized within 7 days of the incident. Expect to provide booking invoices, receipts, and a detailed description of the event.

What works on travel

€10,000,000 emergency medical limit: genuinely uncapped in practice, with XCover able to arrange direct billing subject to hospital acceptance
17 trip cancellation reasons: illness, job loss, natural disaster, armed forces recall, legal proceedings, travel document theft
4-hour trip delay trigger: one of the shorter thresholds available, covers meals, accommodation, communications, and transportation
4-hour baggage delay trigger: reimburses essential items up to €400 with receipts
Medical evacuation arranged and managed by XCover Assist 24/7: no upfront payment required for evacuation logistics

Where travel breaks down

Reimbursement-only medical in practice: you may advance the full hospital bill before XCover can guarantee direct billing, which can run tens of thousands of dollars abroad
Trip must be paid with Revolut Metal card: one foreign-card booking voids the entire coverage and the activation condition is strict and poorly disclosed
90-day maximum trip length: trips exceeding 90 consecutive days are excluded in full, not prorated
Pre-existing conditions excluded with 12-month lookback: any condition that caused a consultation, symptoms, or required medication in the prior 12 months is out
Benefit limits denominated in EUR: actual USD equivalents are not published publicly and you must dig through the app to find them

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 · 11 guarantees

What does Revolut Metal Travel Insurance actually cover?

Quality, not just caps

Coverage applies only if the trip is paid with your Revolut Metal account. Booking even one flight on a different card, even if you charge everything else to Revolut, voids coverage for the entire trip.

Deductible : No deductible

Trip must be paid using your Revolut Metal account Trip must not exceed 90 consecutive days A 10% excess is deducted from the claim amount, up to a maximum of €50 per claim The event causing cancellation must occur after the trip was booked

Reimburses non-refundable trip costs (both flight and non-flight), cancellation fees, and rebooking fees if you or a ticket holder must cancel due to a covered event. Limit is €5,000 per person per trip. A 10% excess applies, deducted from the claim amount up to a maximum of €50 per claim. The trip must be paid using your Revolut Metal account.

Recommended : $10,000

What's covered

Illness, injury, or death (including Covid-19) of you or a ticket holder
Quarantine caused by a contagious disease (must be individually designated, not a mass order)
Close relative or family member illness considered life-threatening or requiring hospitalization
Your home becomes suddenly and unexpectedly uninhabitable
Summoned for legal proceedings during the trip
Natural disaster or adverse weather causing carrier cancellation with 24h+ delay
Traffic accident on the departure date requiring medical attention or vehicle repair
Involuntary unemployment (12 months of tenure, not your fault, permanent position)
New permanent employment requiring presence during originally scheduled trip dates
Employer relocation of 150km+ after trip was booked
Active first responders recalled during scheduled trip dates
Armed forces recall during the trip
Missing at least half the trip due to carrier delay, strike, natural disaster, severe weather, road closures, or civil disorder
Travel documents stolen or lost despite diligent efforts to replace
Family member or service animal death on or after the start date shown on the certificate
Medical inability to receive a required immunization for entry to destination
Legal notice to attend an adoption proceeding during the trip

What's not covered

Medical tests or certificates costs
Legal proceedings due to your occupation (attorney, court clerk, expert witness, law enforcement)
Pre-existing medical conditions (12-month lookback window)
Business trips
Any event that could have been foreseen before your trip was booked
Trips exceeding 90 days

XCover may arrange direct billing with the hospital, but this is subject to the hospital's acceptance. In practice, many claims go through reimbursement. You may need to advance the full bill and wait for reimbursement.

Deductible : No deductible

Illness or injury requires treatment to prevent serious harm before you can return home Contact XCover Assist before repatriation arrangements are made Contact XCover Assist before any inpatient admission or high-cost treatment when possible Direct billing arranged subject to the medical provider's acceptance

Covers emergency medical and dental expenses incurred during your trip abroad if you become ill (including Covid-19) or suffer an injury requiring medical treatment to prevent serious harm. The limit is €10,000,000. Emergency dental is covered up to €300 with a 10% excess. XCover may be able to arrange direct billing subject to the medical provider's acceptance. All medical claims require pre-approval: contact XCover Assist before any arrangements are made for repatriation.

What's covered

Illness or injury requiring treatment to prevent serious harm before return home
In-patient, daycare-patient, or outpatient treatment covered
Emergency dental treatment (up to €300, 10% excess)
Additional accommodation and transport costs to a medical facility
Taxi fares to the medical facility

What's not covered

Pre-existing medical conditions (12-month lookback: any consultation, symptoms, or required medication in prior 12 months)
Costs incurred prior to or after the trip
Care against advice of a medical practitioner or government authority
Elective cosmetic surgery or care
Annual or routine examinations
Long-term care
Allergy treatments unless life-threatening
Hearing aids, dentures, eyeglasses, contact lenses
Physiotherapy, rehabilitation or palliative care (except to stabilize)
Experimental treatment
Sexually transmitted infections
Extreme sports injuries (BASE jumping, heli-skiing off-piste, rafting class V+, scuba diving 30m+ without instructor)

Pre-authorization is mandatory before any repatriation. If you arrange your own medical transport without calling XCover Assist first, you will be reimbursed only up to what XCover would have paid. Call +44 23 8144 9963 before any arrangements.

Deductible : No deductible

Contact XCover Assist before any repatriation arrangements: unauthorized arrangements reimbursed only at what XCover would have paid Hospitalized for more than 24 hours, or sudden life-threatening condition for companion travel Search and rescue: must be reported missing or rescued from a physical emergency

XCover Assist arranges medical evacuation, medical repatriation, and emergency flights for you, a carer, or companion when medically necessary. Return of dependents (age 17 or under) covered. Travel costs for a friend or family member to visit if hospitalized 72+ hours or in sudden life-threatening condition. Repatriation of remains covered and arranged by XCover Assist. Search and rescue covered up to €5,000.

What's covered

Medical evacuation to nearest appropriate facility, then to facility of choice
Medical repatriation to your country of residence
Return of dependents (17 and under) to primary residence or location of choice
Travel costs for friend or family member to travel to you if hospitalized 72+ hours or sudden life-threatening condition
Repatriation of remains
Search and rescue (up to €5,000)

What's not covered

Unauthorized arrangements not guaranteed reimbursement beyond XCover calculated cost
Non-emergency transport
Business trips

Deductible : No deductible

Covered reason occurs after departure Trip must be paid using your Revolut Metal account A 10% excess applies up to €50 maximum per claim Notify travel suppliers as soon as reasonably practicable

Reimburses unused non-refundable trip costs (both non-flight and flight), plus additional accommodation and transportation expenses if you must stay at your destination longer than originally planned due to a covered event. Limit is €5,000 per person per trip. A 10% excess applies up to €50 maximum. Emergency accommodation during interruption: €200/night for all beneficiaries combined, up to 5 nights.

Recommended : $10,000

What's covered

Same covered reasons as Trip Cancellation
Unused non-refundable trip costs (flight and non-flight)
Additional accommodation and transportation while extended at destination
Emergency accommodation: €200/night for all beneficiaries combined, up to 5 nights
Additional return transport (economy class ticket)

What's not covered

Same exclusions as Trip Cancellation
Cancellation before departure (use Trip Cancellation instead)

Deductible : No deductible

Travel carrier delay (does not include cancellation prior to departure date) Strike or industrial action not announced before booking Quarantine during trip (individual designation, contagious disease) Natural disaster Lost or stolen travel documents Hijacking (not a terrorist event) Civil disorder rising to level of political risk Traffic accident Carrier denies boarding due to suspected contagious medical condition

Reimburses prepaid and additional expenses (meals, accommodation, communication, and transportation) when your trip is delayed for more than 4 hours. With receipts: €100 for the first complete 4 hours, then €100 per hour thereafter, up to €500 maximum. Without receipts: €70 for the first complete 4 hours, then €70 per hour, up to €350 maximum. Also covers transportation to rejoin a missed cruise or tour departure, and local public transit delays causing a missed flight or train.

What's covered

Meals, accommodation, communication, and transportation
Transportation to rejoin missed cruise or tour departure
Local public transit delays causing missed flight or train

What's not covered

Carrier cancellation prior to departure date
Strike announced before booking date
Adverse weather announced before booking date

No standalone missed connection benefit. Trip delay covers transportation costs to rejoin a missed cruise or tour departure, but rebooking costs for standard missed flight connections are not covered as a separate benefit.

What's not covered

Standalone missed flight connection rebooking is not a separate benefit.

No standalone early return benefit. Trip interruption covers additional transportation costs to return home when a trip is cut short for a covered reason, but there is no separate early return home benefit with a dedicated cap.

What's not covered

Standalone early return transportation costs are covered under trip interruption, not as a separate benefit.

Deductible : No deductible

Baggage delayed at least 4 hours by a travel supplier Proof of purchase required (credit card or bank statement) Carrier confirmation or Property Irregularity Report required

Reimburses essential item purchases when your baggage is delayed by a travel supplier during your trip for at least 4 hours. With receipts: up to €400. Without receipts (outbound journeys only): up to €200. Proof of purchase (credit card or bank statement) and carrier confirmation or Property Irregularity Report required.

What's covered

Essential personal items needed while baggage is delayed

What's not covered

Return journey without receipts not covered
Items not classified as essential purchases

The €250 per-item cap with receipt means a stolen flagship phone ($800-$1,300) will only be partially reimbursed. 10% per year depreciation applies to replacement cost.

Deductible : No deductible

Loss, theft, or damage occurs during the trip Theft: police report required within 24 hours of discovery Original receipts or proof of purchase required for full per-item cap Report incident to carrier or hotel within 24 hours of discovery

Personal property protection covers repair or replacement of personal items (including electronic devices: phones, tablets, smartwatches, laptops) that are lost, stolen, or damaged during your trip, up to €1,000 total. Per-item cap: €250 with original receipt, €150 with proof of purchase only. Items depreciate at 10% per year since original purchase, up to a 50% maximum reduction. Theft requires a police report within 24 hours of discovery.

What's covered

Electronic devices (phones, tablets, smartwatches, wearable activity trackers, laptops)
Personal items lost, damaged, or stolen during the trip

What's not covered

Items stolen from a vehicle (locked or unlocked)
Money, currency, credit cards, travel tickets, documents
Antiques, art, rugs, fragile items
Bicycles, skis, snowboards (unless checked with carrier)
Business property
Firearms and weapons
Items left unattended
Cars, motorcycles, drones, aircraft, watercraft

No travel accident (AD&D) insurance. This benefit is not included with the Revolut Metal plan. All accidental death and dismemberment costs are the cardholder's responsibility.

What's not covered

Travel accident insurance (AD&D) is not included in this policy.

The €1,000 personal property limit is shared across all claims on a trip. A hotel theft claim reduces what remains available for other personal property losses on the same trip.

Deductible : No deductible

Police report required within 24 hours of discovery Report incident to hotel within 24 hours of discovery Original receipts or proof of purchase required for full per-item cap

Personal property protection covers items lost, stolen, or damaged during your trip, including items stolen from your hotel room. Maximum €1,000 total, €250 per item with original receipt. A police report is required within 24 hours of discovery for theft. This is the same underlying personal property benefit as baggageLoss: the shared limit of €1,000 applies across all personal property claims on a trip.

What's covered

Personal items and electronic devices stolen from your hotel room during the trip

What's not covered

Valuables stolen from a vehicle (locked or unlocked)
Property not owned by you
Items left unattended in a public area
Money, currency, credit cards, documents

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

Report an error Send updated PDF

Coverage Radar

Where the Revolut Metal wins, where it loses

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

Compare

MetalThis card3.0/5?

$204/yr

With travel insuranceIdeal

Complete coverage · 5.0 / 5

Premium card avg.

$150 avg. annual fee

Click a layer to highlight its scores on the radar.

Side-by-side comparison

How the Revolut Metal stacks up against the alternatives

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

Card	This card Metal Revolut · $204/yr 3.0/5?	Aeroplan Chase · $95/yr 3.2/5?	Sapphire Reserve Chase · $795/yr 3.9/5?
Trip cancellation Per person, per trip cap	€5,000 per person 10% excess, max €50/claim	$1,500 per person All prepaid travel	$10,000 per person 13 covered reasons
Emergency medical Hospital bills abroad	€10,000,000 Pre-approval recommended	$2,500 Reimbursement only	$2,500 \| $50 deductible $50 deductible
Emergency evacuation Air ambulance + repatriation	Unlimited Arranged by XCover Assist	$100,000 Pre-auth required	$100,000 \| pre-auth required Pre-authorization required
Trip delay trigger Hours before benefits kick in	4h / €500 Trigger: 4 hours	12h / $500 Trigger: 12 hours	$500 after 6 hours Trigger: 6 hours
Rental CDW Primary or secondary	Secondary / €2,000 Secondary — excess reimbursement	Secondary / $75,000 Secondary CDW	Primary / $75,000 Primary coverage

StrongLimited / misleadingNot covered

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

TwoTicketsAnywhere

2024

SmartDelay lounge access is instant and seamless

SmartDelay is the best perk: my flight was delayed 90 minutes, I got four free lounge passes instantly in the app. No forms, no wait. Just showed the QR code at the lounge.

Revolut Community Forum

2024

Baggage delay claim processed cleanly in 2 weeks

My checked bag was delayed 10 hours. I bought essentials, submitted the receipts via the Revolut app, and Chubb processed it cleanly. Reimbursement in 2 weeks.

Revolut Community

2024

Strict activation condition caught me off guard

My travel insurance claim was denied because I hadn't booked the flight with my Revolut Metal card. I paid with a different card and just used Revolut for other expenses. The activation condition is strict.

Monito review comments

2024

USD benefit amounts impossible to find before booking

I tried to find out exactly how much my trip cancellation was covered for before booking. Impossible: the app shows general info but no dollar amounts. Had to dig through the terms PDF to find the limits. Frustrating lack of transparency.

Claims portal

xcover.com/claim

Free · 24/7 online

Medical emergency line (XCover Assist)

+44 23 8144 9963

Free · 24/7

Benefit administrator: Cowen Insurance Company Limited (insurer) via XCover for all travel insurance benefits. XCover Assist handles medical emergencies 24/7.

Claims & pre-authorizations

How to file a Revolut Metal claim

Medical emergency: call first

For hospitalization, evacuation, or repatriation, call XCover Assist at +44 23 8144 9963 before any arrangements are made. Unauthorized transport is reimbursed only at what XCover would have paid.

All other claims: go to xcover.com/claim

Start your claim online at xcover.com/claim within 7 days of the incident for priority processing. Have your Revolut account details and booking invoices ready.

Gather your documentation

Prepare a detailed description of the event, receipts for all expenses claimed, booking invoices showing the trip was paid with your Revolut Metal account, and a Property Irregularity Report or police report for luggage or theft claims.

Do not admit liability for car hire claims

If your rental car is involved in an incident, do not admit fault or make any payment to the rental company without first obtaining written consent from XCover.

Revolut Metal travel insurance activates automatically for any trip paid for using your Revolut Metal plan — meaning the trip booking (flights, trains, or other common carrier fare) must be charged to your Revolut account. No pre-registration or opt-in is required. The coverage begins when you leave your primary residence to start the trip and ends when you return home. One critical condition: if you book your outbound flight with a different card and pay only ancillary expenses with Revolut, you are not covered. The activation condition is strict — the common carrier fare must be charged to your Metal account for the insurance to apply.
Coverage extends to the Revolut Metal plan holder as the primary insured, plus ticket holders defined as the spouse or cohabitant and children (including stepchildren, foster children, and adopted children) up to age 17 who are travelling with the Metal plan holder. Coverage applies to all covered persons per beneficiary, except for the emergency accommodation benefit during a trip interruption, which applies once for all beneficiaries combined. Close relatives and family members are defined broadly in the policy and include grandparents, siblings, in-laws, aunts, uncles, and legal guardians, but their coverage applies specifically as a trigger for cancellation or interruption reasons rather than as additional insured persons.
The Revolut Metal offers secondary car hire excess reimbursement, not a primary CDW (collision damage waiver). In practice, this means you must purchase at least the basic CDW coverage offered by the rental company at the counter, not decline it entirely. If your rental is damaged or stolen, the rental company's insurer handles the claim first, and Revolut Metal reimburses the excess or deductible charged to you, up to a maximum of €2,000 for rentals up to 31 days. Peer-to-peer car sharing services like Turo are excluded. For domestic rentals, the rental company must be located more than 200km from your primary residence.
For medical emergencies requiring hospitalization or repatriation, contact XCover Assist at +44 23 8144 9963 before any medical arrangements are made — unauthorized arrangements are only reimbursed at what XCover would have paid. For all other claims, go to xcover.com/claim to start the process. Claims filed within 7 days of the incident are prioritized. At minimum, you will need a detailed description of the event. XCover will request booking invoices and receipts during the review process. For luggage theft, a Property Irregularity Report from the airline or a police report is required. Do not admit liability or make any payment on the rental damage without written consent from XCover for car hire claims.
The most impactful exclusions are: pre-existing medical conditions with a 12-month lookback (any consultation, symptoms, or medication in the prior 12 months disqualifies the condition); trips exceeding 90 consecutive days; and any trip where the common carrier fare was not paid with your Revolut Metal account. Business trips are excluded entirely. Extreme sports including BASE jumping, heli-skiing off-piste, rafting class V rapids, and scuba diving below 30 meters are excluded. Trip delay and cancellation do not cover adverse weather or strikes that were announced before your trip was booked. The car hire excess benefit does not apply to peer-to-peer rentals or rentals within 200km of your primary residence.
Yes. The Revolut Metal plan includes emergency medical coverage abroad up to €10,000,000, which is exceptionally high for a subscription card. Coverage applies when illness or injury requires treatment to prevent serious harm and cannot safely be managed on an outpatient basis before you return home. For higher-cost treatments or hospitalization, XCover Assist may be able to arrange direct billing with the hospital, but this is subject to the hospital's acceptance. In practice, most claims go through reimbursement. Pre-existing medical conditions are excluded under the 12-month lookback rule. Emergency dental is covered separately up to €300 with a 10% excess.
Yes. Medical evacuation, medical repatriation, and emergency flights are arranged by XCover Assist at no cost limit stated, subject to medical necessity. You must contact XCover Assist before any repatriation arrangements are made — if you organize transport without prior authorization, XCover will only reimburse what they would have paid for the same arrangement. If you are hospitalized for more than 72 hours, or have a sudden life-threatening condition, travel costs for a friend or family member to travel to you are also covered. Repatriation of remains in the event of death is arranged by XCover Assist. Dependents aged 17 and under have their return costs covered.
No. The Revolut Metal plan does not include a dedicated cell phone protection benefit. There is no coverage for accidental damage, cracked screens, or mechanical failure of your phone outside of a trip. During a covered trip, your phone may qualify under the personal property benefit if it is lost, stolen, or damaged, but the per-item cap is €250 with an original receipt, and a police report is required for theft claims. A screen replacement for a flagship smartphone typically costs $300 to $500 — well above the per-item cap. For dedicated phone coverage, a standalone device protection plan would close this gap.
The Revolut Metal plan's €10,000,000 emergency medical limit, 17 trip cancellation covered reasons, and 4-hour trip delay trigger are genuinely strong for a $16.99/month subscription. The weak points are the strict activation condition (the trip must be paid with your Metal account), the 90-day maximum trip length, and the secondary car hire coverage that requires purchasing the rental company's basic CDW first. If your primary use case is a single international trip per year under 90 days, paid fully through Revolut, the coverage provides real value. For travelers with longer trips, pre-existing conditions, or who book through multiple cards or travel agents, the gaps are material and a standalone travel insurance policy would fill them.
The Revolut Metal covers 17 trip cancellation reasons: illness, injury, or death (including Covid-19) of you or a ticket holder; individual quarantine caused by a contagious disease; a life-threatening illness of a close relative not travelling with you; your home becoming uninhabitable; being summoned for legal proceedings; natural disaster or carrier cancellation with a 24-hour delay; a traffic accident on departure date; involuntary unemployment; new permanent employment; employer relocation of 150km or more; active first responders being recalled; armed forces recall; missing at least half the trip due to carrier delay, strike, or natural disaster; lost or stolen travel documents; death of a family member or service animal; medical inability to receive a required immunization; and a legal notice to attend an adoption proceeding. A 10% excess applies per claim, capped at €50.