Customers who have subscribed to the Black Card offer benefit from insurance coverage on all purchases made with their Black Card, whether physical or virtual, provided that the card is valid, activated, and that the Sumeria Black Card subscription has been paid in accordance with the terms and conditions at the time of any incident giving rise to a claim, and subject to an expense is not excluded from the insurance policy.
Operated by Qover, Cover-More and Zurich Insurance, these insurances were designed to protect customers and their loved ones** on a daily basis, and in particular when travelling in France* and abroad.
*Not all benefits apply. See the General Conditions of insurance for more information.
**Subject to certain conditions, these benefits also extend to the cardholder’s partner and children. See the eligibility criteria for more information.
Membership
All customers who have subscribed 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
*Not all benefits apply. See the General Conditions of insurance for more information.
- 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 vehicle rental contract excess (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).
Fraudulent use of the card
- Fraudulent use of the card following theft or loss of the card
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 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.