XPAY has partnered with AXA Insurances, a leading insurance provider with a reputation for reliable and effective insurance services. AXA is responsible for processing all claims.

Yes COVID-19 illnesses are covered. Please refer to the benefit descriptions for cover details which you can find in the "Legal documents" section (https://loverscard.xpay.cards/legal-documents).

There is no exclusion for cruises as long as the trip definition is met and payment was made using your ("LoversCard“) Mastercard® Debit Card.

The duration of a trip may not exceed 60 consecutive days, with a maximum of 180 travel days allowed within a 12-month period.

In the majority of insurance policies, the cardholder's closest relatives are also covered. You can find more detailed information about this in the "Legal documents" section (https://loverscard.xpay.cards/legal-documents).

Claims should be made as soon as possible after the incident, which can be done by calling 089998298619 from 9 a.m. to 5 p.m. Monday to Friday. All emergency medical claims are handled by our emergency service around the clock.

You can find more information in the insurance brochure which you can find in the "Legal documents" section (https://loverscard.xpay.cards/legal-documents).