Insurances for Lydia Black+ and for the black card offered by Sumeria are the same.

Customers who subscribed to Lydia Black+ or to the black card benefit from insurance on eligible expenditures made with their means of payment (physical cards, Internet cards, bank transfers, etc.).

Operated by Qover, Cover-More and Zurich Insurance, these insurances were designed to protect customers and their loved ones on a daily basis, particularly during their travels.


All users who have subscribed to Lydia Black+ or to the black card automatically benefit from these insurances. Coverage begins on the day of their subscription (and covers all eligible payments on the same day) and ends when their subscription is terminated.

What is covered

Travel insurance and assistance, in France or abroad
  • Trip cancellation or interruption (up to €5,000), delayed departures (up to €300), baggage-related issues (late delivery, loss, theft, damage, up to €500).
  • Money loss (up to €100), travel documents (up to €200), valuables (up to €100).
  • Muggings aimed at personal effects (up to €500), personal accidents (up to €15,000), civil liability (up to €500,000), legal costs abroad (up to €15,000).
  • Partial or total refund of the excess in your vehicle rental contract (for drivers over 21 only, up to €3,000).
  • Emergency medical costs (up to €300,000), emergency dental treatment (up to €250), and hospital allowances (up to €300).
  • Repatriation of insured persons, child accompaniment, extension of stay costs linked to medical care and repatriation of bodies.

Winter sports insurance and assistance
  • Search and rescue costs on slopes (up to €15,300), ski pass and ski lessons refunds (up to €300), equipment rentals (up to €300), slopes closure (up to €100).
Online purchase protection

Non-compliant delivery or non-delivery (up to €500).

Payment method coverage
  • Fraudulent use of accounts or means of payment.

What isn't covered

  • Car rental excess is not covered for customers under 21 and luxury cars.
  • Transactions made on fraudulent sites (phishing)
  • Business trips, trips longer than 31 consecutive days (with a maximum of 180 cumulative days within a 12-month period) and travels from a country other than France.
  • Loss of personal effects unrelated to assault or due to negligence.
  • Any trip or purchase or trip that wasn't bought with a Lydia/Sumeria means of payment.
  • Any claim related to a pre-existing medical condition.

The full list of exclusions is available here

In case of a setback

The insured customer must contact the assistance service, available 24/7 by phone, at the number provided in the contract and accessible from the app.

Claims can be made every day from 9 am to 5 pm at the same number.

To read the General Conditions of insurance operated by Qover, Cover-More and Zurich Insurance, click here.

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