- Revolut travel insurance is bundled into the paid Metal and Ultra account plans and is underwritten by Chubb European Group SE UK branch (FCA FS Register number 820988), not by Revolut itself.
- Emergency medical cover abroad runs up to 10 million pounds per person, with cancellation up to 5,000 pounds and personal property up to 1,000 pounds on both plans.
- Cover ends at your 76th birthday, and there is no option to buy the policy if you are aged 76 or older.
- A trip is only covered if at least 75 percent of your transport and accommodation is paid using your Revolut account.
- The Metal plan caps each trip at 30 consecutive days; the Ultra plan extends this to 90 consecutive days.
What Revolut travel insurance is
Revolut is a digital banking and payments app that sells tiered account subscriptions. Travel insurance is not a standalone product you buy from Revolut; it is a benefit attached to two of its paid plans, Metal and Ultra. The cover is described in the policy booklets as worldwide annual holiday travel insurance, including winter sports, and it is activated automatically once you hold an eligible account and meet the eligibility rules.
The Metal Insurance Product Information Document states plainly that the cover is included as part of the account: "There is nothing for you to pay. This cover is automatically included as part of your Metal account subscription with Revolut." In other words, the premium is folded into the monthly account fee rather than charged as a separate insurance price.
Who underwrites the cover
The insurer is Chubb European Group SE, operating through its UK branch. The policy booklet records Chubb European Group SE as incorporated in France, authorised by the Prudential Regulation Authority and subject to regulation by the Financial Conduct Authority, with FS Register number 820988. Revolut is named as the issuer that has arranged the collective group policy with Chubb.
Claims are not handled in-house by Chubb across the board. The Metal IPID directs medical and repatriation emergencies to Chubb Assistance on +44 (0)203 964 3005, while other claims go to a customer service line on 0203 964 3004 or by email to a Sedgwick claims address (Revolutclaims@ie.sedgwick.com). The branding presented to the customer is the Revolut Travel Insurance Claims Team, but the administration sits with Chubb and Sedgwick.
What policies Revolut offers
There are two tiers, and they share an identical structure of benefits and cover limits. The only material difference between them is trip length.
The Metal plan provides cover for the first consecutive 30 days of any trip. The Ultra plan extends that to the first consecutive 90 days. Both booklets confirm that any portion of a trip falling outside that window is not covered, and that a longer trip is not retrospectively brought back inside the limit. Both include winter sports cover as standard, alongside cancellation, medical, baggage, travel delay, personal liability and car hire excess sections.
The cover is annual and multi-trip in nature, attached to the account rather than to a single booking, and it extends to a partner and children where the eligibility definitions are met.
Pricing structure
Because the insurance is bundled, there is no separate insurance premium to compare against a standalone policy. The cost is the account subscription. The figure that matters is therefore the monthly plan fee, and the insurance is one of several benefits paid for within it.
This bundling has a practical consequence the booklets make explicit: cover only exists while the account is active. The Metal IPID notes that benefits "only apply while the Revolut Metal account is active and account holder remains eligible," and that the period of insurance ends when you cease to be an account holder. Cancelling or downgrading the plan removes the insurance, which is a different proposition from a standalone annual policy that runs to its stated expiry regardless of any banking relationship.
What is covered and excluded
On both tiers the headline limits are the same. Emergency medical costs incurred abroad are covered up to 10 million pounds per person, with emergency dental treatment up to 300 pounds. Repatriation, including bringing a body home, is covered at actual cost. Cancellation or cutting a trip short is covered up to 5,000 pounds, personal property up to 1,000 pounds overall, personal liability up to 1 million pounds, and car hire excess up to 2,000 pounds. A 10 percent excess applies to certain sections, capped at 50 pounds per person per section.
The medical cover applies only to trips abroad; the Metal IPID confirms the medical expenses benefit does not apply to trips within the UK, while other sections do cover UK trips. Trips must start and end in the UK, which includes the Isle of Man and Channel Islands.
The exclusions are where this bundled product needs the most attention. The Metal IPID lists "any claims caused by pre-existing medical conditions present 12 months before booking your trip" among the items that are not insured. That is a significant limitation compared with specialist providers that screen and price for declared conditions. The cover also excludes claims where less than 75 percent of travel and accommodation was paid with a Revolut account, trips where beneficiaries travelled without the main account holder, travel to areas the Foreign, Commonwealth and Development Office has advised against on an "all travel" or "all but essential travel" basis, and a range of standard exclusions such as undeclared valuables left unattended and claims arising from excessive alcohol or drug use.
How Revolut compares
The defining feature is the eligibility model rather than the cover limits. The 10 million pound medical limit is generous, and on headline numbers it sits comfortably alongside paid standalone policies. The FCDO advises travellers to ensure cover runs the full length of a trip and includes emergency medical treatment and transport, and the Chubb policy meets that brief for trips inside the day caps.
Where the bundled approach narrows is age and conditions. Cover ends at the 76th birthday, and the policy cannot be held at all from age 76. Standalone specialists in the UK market often place no upper age limit and screen pre-existing conditions individually rather than excluding them outright. The 12-month pre-existing condition exclusion and the requirement to route payment through the Revolut account are the two structural constraints that distinguish this product from a conventional travel policy bought on its own terms.
How to make a claim
For a medical emergency or repatriation abroad, the policy instructs you to contact Chubb Assistance, which operates a 24-hour helpline on +44 (0)203 964 3005, before incurring major costs where possible. The booklets warn that treatment not authorised in advance by Chubb may not be paid in full.
For all other claims, the route is the Revolut Travel Insurance Claims Team on 0203 964 3004 (Monday to Friday, 9am to 5pm UK time) or by email to Revolutclaims@ie.sedgwick.com. Claimants are required to supply, at their own expense, supporting evidence such as receipts, medical certificates signed by a doctor, and police reports following loss or injury. If a complaint cannot be resolved, the policy references the Financial Ombudsman Service and the Financial Services Compensation Scheme.
Who Revolut might suit
The product fits a specific profile: a Revolut account holder under 76, without pre-existing conditions that would be caught by the 12-month exclusion, who routinely pays for travel through the Revolut app and whose trips fall inside 30 days on Metal or 90 days on Ultra. For that traveller the medical limit and standard-inclusion winter sports cover are substantial.
It fits less well for older travellers, anyone managing a declared medical condition, those who book travel on a different card, or anyone planning a single long trip beyond the day caps. For those situations a standalone policy, screened and priced individually, addresses gaps that a bundled account benefit is not designed to fill. Anyone relying on this cover should read the current policy booklet and IPID in full and confirm the plan fee and benefits directly with Revolut, since plan terms can change.
