The Best plan protects a trip from the moment you book to the moment you’re back, and there’s no separate policy to buy. The cover runs from cancelling a trip to getting help when an airline goes under. Just pay for the trip with your ZEN Card. Flying? Add your flight in Flight+ and we’ll start protecting your trip.
Beyond travel, you get everything from the Better plan with higher limits, plus Event Ticket Cover.
Day to day, you’ll also find one card for up to 35 currencies useful, with exchange at the best rates and ATM withdrawals with no ZEN.COM fees, up to your plan’s limit.
What each protection covers
| Protection | What it covers | Available from |
|---|---|---|
| Flight Claim Assistant | Your flight’s delayed, cancelled or you’re denied boarding? Our partner spots when it qualifies for compensation and handles the claim for you | Better plan |
| Travel Cancellation Cover | If plans fall through before you leave, get your money back when you cancel a trip for a covered reason | Best plan |
| Travel Delay Cover | Trip delayed, connection or departure missed, or baggage late? Claim back eligible extra costs | Best plan |
| Personal Liability Cover for Travel | You accidentally injure someone or damage their property while travelling and you’re held responsible | Best plan |
| Airline Failure Assistant | The airline you’ve paid for a flight with stops operating | Best plan |
| Travel Agency Failure Assistant | The travel agency you’ve paid for a trip with stops operating | Best plan |
| Event Ticket Cover | Tickets you can’t use – claim back the cost of a concert, match or show you can’t make for a covered reason, like illness, family or home emergencies, or travel disruptions that keep you away | Best plan |
When travel doesn’t go to plan
You don’t buy any of these protections before a trip – they work when you pay with your ZEN Card. Flying? Just add your flight in Flight+ and we’ll start protecting your trip.
- Trip cancelled before you leave? If a covered reason means you have to cancel, Travel Cancellation Cover lets you claim back what you can’t get refunded elsewhere.
- Trip delayed? Travel Delay Cover helps with the cost of waiting – meals, refreshment and a hotel while you wait, plus transfers to and from the airport or station. It also covers missing a departure or a connection.
- Bag didn’t turn up? If your checked baggage is delayed on your outward journey, claim back what you spend on essentials while you wait for it.
- An accident while travelling? If someone is hurt or their property is damaged and you’re held responsible, Personal Liability Cover for Travel helps with the costs, so it doesn’t have to become an expensive problem.
- Flight delayed or cancelled? Flight Claim Assistant spots when your flight qualifies for compensation and handles the claim for you, paying you directly. You already have it on the Better plan, at no extra cost.
- Airline or travel agency stops operating? Airline Failure Assistant and Travel Agency Failure Assistant apply when the airline or travel agency you’ve paid for a trip with ceases to operate.
Do I need separate travel insurance with the Best plan?
The Best plan gives you a solid package of travel protection, though not as extensive as the ZEN plan. It works on every trip you pay for with your ZEN Card, so you don’t have to remember to buy it before a particular trip.
| Separate travel insurance | The Best plan | |
|---|---|---|
| When it applies | When you remember to buy it before that particular trip | On every trip you pay for with your ZEN Card. Flying? Just add your flight in Flight+ |
| What it costs | A new premium for every trip | Already included in the 6.99 EUR/month subscription |
| Cancellation cover | When you buy that option, which can cost up to 8% of the trip price | Included in the plan price: Travel Cancellation Cover |
| Delay, missed connection, delayed baggage | Depends on the policy, often for an extra charge | Included in the plan price: Travel Delay Cover, one shared limit |
| An accident while travelling where you’re held responsible | Often a separate add-on | Included in the plan price: Personal Liability Cover for Travel |
| The airline or travel agency you’ve paid for a trip with stops operating | Often outside the basic scope of a policy | Included in the plan price: Airline Failure Assistant, Travel Agency Failure Assistant |
| What you get in months without trips | Nothing: the premium is lost if you don’t make a claim | Cashback, Reward Zone and Best Price Cover work every day, even without a trip |
Before an expensive trip, check in the ZEN.COM app whether your plan’s limits are enough, just as you’d check the small print in a policy.
Can’t make it to the event? Event Ticket Cover on the Best and ZEN plans
Event Ticket Cover is a new benefit on this plan that goes beyond travel. You buy a ticket to a concert, match or show with your ZEN Card. If a covered reason – like illness, family or home emergencies, or travel disruptions – keeps you away, you can claim back the cost of the tickets you can’t use, up to 250 EUR on the Best plan. The cover isn’t available on the Better plan.
What the Best plan gives you when you’re not travelling
Everything from the Better plan keeps working, and the limits are higher. Cashback and Reward Zone stay the same. The Best Price Cover limit rises from 100 EUR to 250 EUR, so finding a better price, even after you’ve paid, pays off more. The limits of the other protections are higher too: Extended Warranty now covers up to 5000 EUR instead of 1500 EUR, and ATM Anti-Theft up to 250 EUR instead of 100 EUR. Unlimited Shopping Protection still applies.
Protection on trips and between them
Travel protection applies on every trip you pay for with your ZEN Card. Between trips, you keep cashback, Reward Zone, the higher limit of Best Price Cover and Event Ticket Cover.
* The ZEN Premium metal card will be available soon.
Travel with peace of mind: check in the ZEN.COM app what the Best plan gives you on trips and beyond. Full conditions in the terms.
About ZEN.COM
The multicurrency account that makes shopping and travel better. Pay globally, get more from every purchase and travel with peace of mind. One account. One card. One app.
