- Monzo Max is a paid current account from Monzo Bank Limited (FCA Financial Services Register reference 730427) costing from 17 pounds a month, with worldwide travel insurance included as a benefit.
- The travel cover is underwritten by Zurich Insurance Company Ltd (FCA FRN 959113) and claims are handled through the Qover platform in the Monzo app.
- Cover includes up to 10 million pounds emergency medical, up to 5,000 pounds cancellation, up to 750 pounds lost valuables and up to 3,000 pounds car hire excess.
- Each trip is capped at fewer than 45 consecutive days; cover is for UK residents aged 18 to 69 to sign up and ends at age 70.
- Pre-existing medical conditions are not covered, and the subscription has a three-month minimum.
Monzo Max travel cover is a benefit of a paid account, not a standalone policy, and it excludes claims related to pre-existing medical conditions. Travellers with a declarable condition, or who need a single trip longer than 45 consecutive days, will need to look beyond this product. Confirm every limit in the Zurich insurance product information document before relying on the cover.
What Monzo Max is
Monzo Max is the top paid tier of the Monzo current account, provided by Monzo Bank Limited, which holds FCA Financial Services Register reference 730427. It costs from 17 pounds a month and bundles a set of perks, of which worldwide travel insurance is one. The insurance is not sold separately: it exists as a benefit attached to the account, and the premium is paid to the insurer by Monzo rather than charged on top to the customer. A family add-on extends cover to family members for 5 pounds extra a month.
Who underwrites the cover
The travel insurance inside Monzo Max is underwritten by Zurich Insurance Company Ltd, which holds FCA Financial Services Register reference 959113 and is authorised by the Prudential Regulation Authority. Claims are submitted through the Qover claims platform inside the Monzo app rather than through a separate insurer hotline. As with any bundled product, the bank distributes the cover and the named insurer carries the risk, so the policy that matters for a claim is the Zurich wording, not the Monzo marketing page.
What the policy covers
The headline limits are substantial for a bundled product. Emergency medical cover runs up to 10 million pounds, cancellation up to 5,000 pounds, lost valuables up to 750 pounds and car hire excess up to 3,000 pounds. Winter sports are included, with ski equipment and ski hire covered up to 750 pounds. The medical limit in particular sits at a level that addresses the catastrophic-cost risk that ABI claims data describes, where a single overseas hospitalisation and repatriation can exceed 1 million pounds.
Eligibility and trip limits
Two structural limits define who the cover fits. The first is age: a customer must be a UK resident aged 18 to 69 to sign up, and the travel cover ends once the policyholder reaches 70. The second is trip length: each individual trip is covered for fewer than 45 consecutive days, which suits frequent shorter trips rather than extended single journeys. Family members are covered to age 19, or to age 21 if in full-time education. A traveller who is 70 or older, or who needs a longer single trip, falls outside the product.
Pricing structure
Monzo Max costs from 17 pounds a month, with the travel insurance included in that fee rather than priced separately. The family add-on is 5 pounds a month. The subscription carries a three-month minimum term. Because the insurance is bundled, the value comparison is not a like-for-like premium against a standalone policy: the account fee buys travel cover alongside the other Max perks, so the cover is best assessed as one component of the overall account rather than as an insurance purchase on its own.
What is excluded
The most significant exclusion is medical: claims related to pre-existing medical conditions are not covered. This is a hard limit, not a screening process, which sets Monzo Max apart from specialist insurers built around declarable conditions. Travellers with an existing condition cannot resolve the gap by paying more within this product; they need separate specialist cover. Other standard travel exclusions apply as set out in the Zurich policy documents, which should be read in full before the cover is relied on.
How Monzo Max compares
Among bundled bank travel benefits, Monzo Max pairs a high medical limit with a digital claims route through Qover. Its constraints are typical of the bundled category: an upper age cut-off at 70, a per-trip day cap, and no cover for pre-existing conditions. Standalone insurers such as Staysure, which advertise no upper age limit and cover for 1,300 or more conditions, address exactly the travellers Monzo Max excludes. The two serve different needs rather than competing directly on price.
Who Monzo Max might suit
The travel benefit fits a Monzo Max account holder under 70 who takes several trips a year of under 45 days each, has no pre-existing conditions to declare, and values a single app-based claims process. Travellers who need cover beyond age 70, a longer single trip, or medical cover for an existing condition will not find it here, and the MoneyHelper directory below is the signposted route for harder-to-place medical cases.
If you find it difficult to get cover because of a pre-existing condition, the Money and Pensions Service operates a travel insurance directory of specialist providers via its MoneyHelper service. Visit the MoneyHelper travel insurance directory or call the Money Helper Customer Contact Centre on 0800 138 7777 (Monday to Friday, 8am to 6pm).
