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Travel Cancellation Cover
Have to cancel for a covered reason, such as illness or a family emergency? Get back what you can’t refund elsewhere.
5,000 EUR NON-REFUNDABLE COST
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pay better
TRAVEL BETTER
GET MORE from EVERY TRIP
Flight late? Wait in a lounge. Trip cancelled? Get your money back. Bag delayed? Buy what you need – we’ll help cover the cost.
Travel knowing your trip is protected, from booking to landing.
One account. One card. One app.
SEE WHAT’S COVEREDscan and Join
2M+ users
Travel further, worry less
Here’s how much you can get back, up to our highest limits, when you pay and travel with ZEN.COM.
Limits depend on your plan. Conditions apply.
HOW TO TRAVEL BETTER
11 benefits, from booking to return
Grouped by where they help on your trip —
your benefits work before you travel, at the airport and at your destination.
AT THE AIRPORT
When flights are disrupted...
Get help with delays and disrupted flights, and wait in a lounge instead of at the gate.
from delayed flight to a lost bag
Pay with confidence
around the world
On top of your travel protection, you get everything you need to pay abroad
with one ZEN Account.
35 currencies,
AT YOUR FINGERTIPS
Hold and spend them all from one account, with no second card to carry.
The right currency, every time
Your card works in 100+ countries and automatically pays in the right currency.
The best exchange rates
Exchange money in the app before you go, with a fee-free weekday allowance on every plan.
Free ATM withdrawals worldwide
Withdraw cash anywhere with no extra fees, up to your plan’s limit.
see how the benefits compare
Choose the plan that takes you further
Every plan gives you Instant Cashback on travel bookings. Travel protection starts on the BETTER plan, and each higher plan adds more on top.
Travel benefits
GOOD
30-day free trial
BETTER
BEST
ZEN
Instant Cashback
Shop with your ZEN Card at partner stores through the ZEN.COM app to earn cashback.
GOOD
50%
BETTER
Included
BEST
Included
ZEN
Included
ATM Anti-Theft
Taking out cash should feel safe. If something goes wrong and you’re mugged and hurt shortly after using an ATM, this Zenefit helps you recover the cash that was taken.
GOOD
Not included
BETTER
up to 100 EUR
BEST
up to 250 EUR
ZEN
up to 500 EUR
Flight Claim Assistant
If your flight's delayed, cancelled or you're denied boarding, we automatically spot when it qualifies for compensation and handle the claim for you, paying you directly.
GOOD
Not included
BETTER
Included
BEST
Included
ZEN
Included
Travel Delay Cover
Travel Delay Cover brings together protection for common travel disruptions, including trip and baggage delays, missed departures, and missed connections, helping cover eligible extra costs.
GOOD
Not included
BETTER
Not included
BEST
up to 400 EUR
ZEN
up to 1 000 EUR
Travel Agency Failure Assistant
If your travel agency or tour operator goes bankrupt or fails to deliver, we'll help you claim a chargeback for the amount paid with your ZEN Card.
GOOD
Not included
BETTER
Not included
BEST
Included
ZEN
Included
Airline Failure Assistant
If your travel agency or tour operator goes bankrupt or doesn't provide the service, we'll help you get back what you paid with your ZEN Card.
GOOD
Not included
BETTER
Not included
BEST
Included
ZEN
Included
Personal Liability Cover
You can’t plan for every mishap on a trip. If an accident is genuinely your fault and someone is hurt or their property is damaged, it doesn’t have to become an expensive problem.
GOOD
Not included
BETTER
Not included
BEST
up to 1 MLN EUR
ZEN
up to 1.5 MLN EUR
Premium travel · available only in the ZEN plan ZEN only in the ZEN plan ZEN
Flight Live Assistant
No more checking the airport departure board. We monitor your flight from 48 hours before departure and send automatic updates on the departure time, terminal and gate.
GOOD
Not included
BETTER
Not included
BEST
Not included
ZEN
Included
Flight Delay Voucher
If your flight is more than 3 hours late, we'll automatically send you a lounge pass, so you can wait in comfort.
GOOD
Not included
BETTER
Not included
BEST
Not included
ZEN
Included
Rental Car Excess Cover
A damaged or stolen rental car can leave you paying the excess. Get eligible excess costs reimbursed, whether you rent at home or abroad.
GOOD
Not included
BETTER
Not included
BEST
Not included
ZEN
up to 30 000 EUR
HOW YOUR TRAVEL BENEFITS WORK
Four steps – then nothing to manage
Here’s what people ask before a trip
Questions?
We’ve got answers.
No. Travel benefits are built into your ZEN.COM plan. They switch on with your plan and stay on until you change or cancel it. Cover, limits and conditions are set out in the plan terms.
Instant Cashback on travel bookings comes with every plan. The Better plan adds Flight Claim Assistant and ATM Anti-Theft. The Best plan adds five travel protections for before you travel, at the airport and at your destination. The ZEN plan adds live flight updates, the free Lounge Pass, rental car cover and the highest limits.
Yes. Your travel benefits apply when you pay for your trip, transport or rental with your ZEN Card. The conditions for each benefit are in the plan terms.
Open the benefit in the ZEN.COM app. It shows you where and how to make your claim. If your airline or travel agency goes out of business, ZEN.COM handles the claim for you. Flight Claim Assistant handles EU flight compensation claims, and your free Lounge Pass arrives by email automatically.
It depends on your plan and the benefit. On the ZEN plan, for example, Rental Car Excess Cover goes up to €30,000. Each benefit has its own limit and conditions, shown in ‘Compare all cover limits’ on this page and set out in the plan terms.
Can’t find your answer? Visit the Help Center.
