When “Payment successful” appears on the screen, it feels like that’s the end of it. With a ZEN Card, it’s closer to the start. If an order doesn’t arrive, a device breaks down after its warranty has ended or a trip falls through, we’ve got your back.
What keeps working after you pay, at a glance
Each benefit is a Zenefit in the ZEN.COM app. Flight+ is the tab where you add your flight, and ZEN Care is ZEN.COM’s own help when a card payment goes wrong. Transaction history is the list of your payments.
The Good plan is free, Better costs 2.99 EUR a month, Best 6.99 EUR and ZEN 16.99 EUR. Good includes one free Shopping Protection (ZEN Care) claim a year. Everything else in the table starts from Better, and the travel protections and Event Ticket Cover start from Best.
The table shows the most you can claim for each benefit, as listed in the Help Center. “Included” means the benefit is part of the plan, and “Unlimited” means there’s no cap on the number of claims. You can check the current amounts in the ZEN.COM app.
| Benefit | Better | Best | ZEN |
|---|---|---|---|
| Shopping Protection | Unlimited | Unlimited | Unlimited |
| Best Price Cover | 100 EUR | 250 EUR | 500 EUR |
| Extended Warranty | 1,500 EUR | 5,000 EUR | 5,000 EUR |
| ATM Anti-Theft | 100 EUR | 250 EUR | 500 EUR |
| Flight Claim Assistant | 600 EUR | 600 EUR | 600 EUR |
| Travel Cancellation Cover | No | 2,500 EUR | 5,000 EUR |
| Travel Delay Cover | No | 400 EUR | 1,000 EUR |
| Personal Liability Cover for Travel | No | 1,000,000 EUR | 1,500,000 EUR |
| Airline and Travel Agency Failure Assistants | No | Included | Included |
| Event Ticket Cover | No | 250 EUR | 500 EUR |
“No” means it isn’t included in that plan. Flight Claim Assistant is per passenger, and its limit depends on flight distance. Travel Delay Cover has one shared limit for a delayed trip and delayed baggage. Each benefit is explained in the sections below.
Shopping protection after you pay
Your ZEN Card payments are protected from the moment you pay and long after the purchase. If an order goes wrong, Shopping Protection (ZEN Care) steps in, whether an item arrives faulty, not as described or doesn’t arrive at all. The Good plan includes one free claim a year, and from the Better plan it’s Unlimited Shopping Protection.
Does your laptop or washing machine give up a month after the manufacturer’s warranty ends? Extended Warranty for electronics and household appliances adds another 12 months of cover. Register the item in the app first: select it in your Transaction history.
A better price, even after you’ve paid. If you find the same item for less, Best Price Cover lets you claim back the difference. It works on eligible in-store purchases, up to the limit of your plan.
Taking out cash should feel safe too. If you’re mugged and hurt shortly after using an ATM, ATM Anti-Theft helps you get the cash back, up to the limit in the terms.
Can’t make it to the event? Event Ticket Cover comes with the Best plan. If a covered reason keeps you away from a concert, match or show, it helps you claim back the cost of tickets you can’t use.
Travel protection after you pay
The same idea carries over to a trip. Flight Claim Assistant comes with the Better plan. If a flight is delayed or cancelled, our partner automatically spots when it qualifies for compensation and handles the claim for you, paying you directly. Flying? Add your flight in the Flight+ tab of the ZEN.COM app and we’ll start protecting your trip.
From the Best plan, five travel protections cover eligible trips you pay for with your ZEN Card, so there’s no separate travel insurance to buy before each trip. They help when a trip is cancelled or delayed, when you’re held responsible for an accident and when the airline or travel agency you paid stops operating.
If plans fall through, Travel Cancellation Cover lets you claim back what you can’t get refunded elsewhere when an eligible reason means you have to cancel before you leave. When travel doesn’t go to plan, Travel Delay Cover helps with the cost of waiting: meals, refreshment and a hotel. If your baggage arrives late, we help with the essentials you buy while you wait.
Travel knowing an accident is covered. If you accidentally hurt someone or damage their property while travelling, Personal Liability Cover for Travel helps with the costs you’re held responsible for, including legal and defence costs. An accident doesn’t have to become an expensive problem. And if the airline or travel agency you paid stops operating, Airline Failure Assistant and Travel Agency Failure Assistant can help too.
The ZEN plan adds higher limits and a few extras. Travel Cancellation Cover also helps if you have to cut a trip short. Rental Car Excess helps you get eligible excess costs reimbursed, so you can enjoy the drive, not the what-ifs. With Flight Live Assistant, there’s no more checking the airport departure board. And a long delay shouldn’t mean sitting on the floor by the gate: when a flight is more than 3 hours late, you automatically get a Flight Delay Lounge Pass.
What you do and what we handle
You pay with your ZEN Card and, depending on the benefit, take one small step. If something goes wrong, the steps are short: keep the details, start your claim online and get your money back. From there, we and our partners look after your claim, so your protection stays with you after checkout. Full conditions in the terms.
Questions? Visit the Help Center.
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.
Compare the plans to find the limits that fit you, then open the ZEN.COM app to see which Zenefits cover your next purchase and your next trip.
