Revolut travel insurance | our expert review of card travel insurance

First of all, it’s important to understand that Revolut travel insurance is insurance included with a bank card, not a standalone travel insurance policy. This means it is primarily card assistance, with the usual limits of this type of cover: strict eligibility conditions, lower secondary caps and claims that may be handled as reimbursement rather than upfront payment.

On paper, medical limits can reach €10,000,000, which is high for a bank card. In practice, the cover remains less comprehensive and less flexible than dedicated travel insurance, notably because the duration is limited to 30 to 90 days per trip. Revolut is therefore suitable for short stays, but it’s essential to compare it with specialist travel insurances such as Secure Gold, Cap Explorer or Ready World, which offer more complete protection and are better suited to long trips.

Several insurers now offer higher limits, longer cover durations or a better cover/price ratio, especially for long trips or higher-risk destinations. I strongly recommend comparing the best travel insurance policies on HelloSafe to find the offer that truly fits your trip.

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Our opinion on Revolut travel insurance: is it a good choice?

I consider Revolut travel insurance to be good bank card assistance, but not specialist travel insurance. The €10,000,000 medical limit is high, but the cover is still constrained by the nature of card insurance: 30 days max per trip with Premium and Metal, 90 days with Ultra, weaker secondary benefits and strict conditions. It’s also worth remembering that €9.99/month, €16.99/month and €55/month are the price of the card plan, not the price of a standalone insurance policy.

Revolut is suitable for short trips if you already use the card, but becomes insufficient for long trips, especially with baggage capped at €1,000. By contrast, Secure Gold covers up to 365 days with €10,000 cancellation, and Cap Explorer offers public liability up to €4,500,000, versus around €1,000,000 with Revolut.

It is therefore essential to compare with the travel insurance policies available on HelloSafe to check whether this cover is sufficient or whether it’s better to choose dedicated insurance that is more comprehensive.

✅ Pros

• Medical expenses up to €10,000,000, a very high level for insurance included with a bank card, comparable to some dedicated travel insurance policies like Ready World+ or Secure Gold
• Medical repatriation at actual cost, an essential standard for destinations where medical transport can exceed €100,000
• Trip cancellation included up to €5,000, higher than most standard bank cards and close to some entry-level offers like Ready World
• Cover included with the card from €9.99/month (Premium plan price), competitive if you already use Revolut for payments and travel
• Worldwide cover, including the most expensive areas such as North America or Japan
• Fully digital claim process via the app, with document upload and online claim tracking

❌ Cons

• Duration limited to 30 days per trip (Premium/Metal) and 90 days (Ultra), while dedicated travel insurance like Secure Gold, Ready 365 or Cap Assistance Annuel can cover up to 365 days
• Baggage capped at €1,000, well below the €2,000 to €3,000 offered by Ready World+, Cap Explorer or Secure Gold, and often insufficient for trips with valuable equipment
• Public liability limited to around €1,000,000, versus €4,500,000 with Cap Explorer, which increases exposure in the event of serious bodily injury to a third party
• Cover conditional on paying for transport and accommodation with the Revolut card, which can lead to a claim being refused
• Pre-existing medical conditions excluded, as with most card-based insurance, while some dedicated policies may offer more flexible terms depending on the situation
• High-risk sports not covered or limited depending on conditions, whereas policies like Ready Adventure+ or Cap Aventure offer broader cover
• High real cost if taken out only for insurance, with Ultra at €55/month (plan price), i.e. €660 per year, more expensive than dedicated annual travel insurance like Ready 365 or Cap Assistance Annuel

Revolut remains a practical solution for short trips, but its limits quickly become clear as soon as you travel longer or to a higher-risk destination. I strongly recommend comparing travel insurance on HelloSafe to identify the cover best suited to your profile, destination and budget.

What does Revolut travel insurance actually cover?

Revolut’s cover is generally strong for insurance included with a card, with a very solid €10,000,000 medical limit, cancellation up to €5,000 and public liability of around €1,000,000. This level is clearly sufficient for most leisure trips, including to the United States, where medical costs can be extremely high.

However, Revolut remains less comprehensive than the best specialist travel insurance. Baggage limits, for example, are capped at €1,000, while some insurers listed on HelloSafe go up to €2,500 or more. Likewise, €1 million public liability is decent but still well below premium policies that reach €4–5 million. In addition, cancellation reasons are restricted to only a few cases, unlike cancellation cover from digital insurers that includes many more situations.

Revolut travel insurance benefits

Sources: Revolut terms and official contractual documents.

❌ Key exclusions and limits to know

• ❌ Maximum duration limited to 30 days per trip (Premium and Metal) and 90 days (Ultra), which excludes long stays, unlike dedicated policies such as Secure Gold or Ready 365 that cover up to 365 days
• ❌ Trip not covered if transport and accommodation are not paid with the Revolut card, a constraint specific to bank card insurance
• ❌ Baggage capped at €1,000 maximum, with sub-limits of €250 per valuable item, well below the €2,000 to €3,000 offered by Ready World+, Cap Explorer or Secure Gold
• ❌ Cancellation refused if the reason is not covered or if another organisation can intervene, which is more restrictive than some standalone travel insurance
• ❌ Trips to countries advised against by authorities are not covered, as with most insurance policies
• ❌ Pre-existing medical conditions excluded, except under very specific conditions, a frequent limit with card-based insurance
• ❌ Automatic end of cover at age 76, which makes this insurance less suitable for senior travellers
• ❌ Excess generally 10% (maximum €50) on certain benefits, whereas some dedicated policies like Ready World+ or Cap Explorer offer more comprehensive claims handling

In practice, Revolut’s cover is strong for bank card assistance, but it comes with several important limits as soon as the trip becomes longer, more expensive or riskier. It is therefore strongly recommended to compare with the dedicated travel insurance policies available on HelloSafe, which offer more comprehensive protection levels and are suited to all types of trips.

What is the price of Revolut travel insurance? Is it competitive?

Revolut travel insurance is included in its paid plans: €9.99/month for Premium, €16.99/month for Metal and €55/month for Ultra. This is the price of the card plan, with insurance included at no extra cost. This means the minimum price to be covered is €9.99, even for a short trip, unlike dedicated travel insurance where you only pay for the actual trip duration.

Revolut is interesting if you already use the card and travel regularly. However, for a one-off trip, dedicated insurance is often better suited. For example, Ready World Go costs €18.75 for 7 days and WorldSecure Basic €33 for 7 days, with comprehensive cover that is independent of a bank card.

What dedicated travel insurance offers more than Revolut

👉 Compare the best travel insurance on HelloSafe to find more comprehensive cover suited to your trip.

How do Revolut assistance and reimbursements work?

Revolut assistance is effective for insurance included with a bank card, but it’s important to understand that Revolut is not the insurer: claims are managed by XCover, which means the process differs from dedicated travel insurance.

🤝 Revolut assistance: how does it work in practice?

Assistance is provided by XCover, which handles medical emergencies, organises repatriation and coordinates care 24/7. If there is an issue, you contact them directly via the Revolut app or the dedicated platform.

One of the key strengths is fully digital management: certificate, claim submission and tracking are available online. However, support tends to be less personalised than with dedicated travel insurance such as Secure Gold or Cap Explorer, which have specialist assistance teams.

💶 Revolut reimbursements: timelines, documents and how strict it is

Reimbursements are handled via the XCover portal, with a high documentary requirement: invoices, proof of payment with the card and complete supporting documents are systematically requested.

The process is reliable, but direct settlement is less common than with dedicated policies like Ready World+ or Cap Assistance 24/24, where assistance can intervene faster with medical facilities. Revolut is therefore suitable for common incidents, but less effective in the event of a serious claim requiring immediate handling.

For this reason, it’s important to compare the travel insurance options available on HelloSafe to choose cover that offers the level of assistance and claims handling best suited to your trip.

What do Revolut customers think?

Revolut shows a very high overall rating, with 4.5/5 on Trustpilot based on more than 356,000 reviews, which is exceptional in the financial sector.

On its side, XCover, the partner insurer managing the travel insurance, also scores 4.5/5 on Trustpilot with more than 64,000 reviews, which remains solid for an insurer.

Customers highlight several strengths. The Revolut app is considered very intuitive, fast and easy to use, with simple management of payments and insurance directly from a smartphone. The ability to track spending and manage services in real time is often cited as a major advantage.

Regarding insurance, some customers mention a simple and fast reimbursement process when the claim file is complete, with payments made within a few days after approval.

On the other hand, negative feedback mainly concerns refusals of certain reimbursements or the complexity of claims, especially when terms are not strictly met. Several customers mention longer-than-expected timelines or very strict document requests, which can complicate some claims.

Overall, customer reviews of Revolut are very positive, especially about the app and user experience, but the insurance tends to be more demanding and less smooth than the best specialist travel insurance. I recommend comparing the best travel insurance on HelloSafe to find the most reliable cover suited to your trip.

How to contact Revolut in an emergency or for a claim?

My view is clear: the in-app chat is the most efficient way to get a fast reply, with priority access for Premium and Metal customers. However, because assistance is handled by XCover rather than Revolut directly, claims management is a bit less centralised than with some specialist insurers.

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