Monzo Premium has a new travel insurance provider Zurich, powered by Qover

Insurtech husmus sequred funding from google and innovate uk.

  • Insurance News

Share article

Monzo Premium’s worldwide family travel insurance will be provided by Zurich, powered by Qover. Most of the things covered by the insurance will stay the same. As will the excess amount and the price of Monzo Premium. 

Our Premium customers told us that making a travel insurance claim wasn’t always as easy or as fast as it should be. So we decided to switch from our current provider to Zurich

By doing so, we can give Premium customers a better claims support experience from the Monzo app.

  • Zurich Insurance Company  will underwrite Monzo Premium’s travel insurance policy, meaning they’re the ones who actually insure you. They will also arrange emergency help if you need it. 
  • Qover  will work with Zurich to deal with the claims you make and provide you with customer care.

Clients can start a claim and request a travel certificate in the Monzo app. Previously, you had to call the travel insurance provider or use their online claims management portal to do these things.  And in the future, you’ll be able to submit and track a claim in the app too.

Most of the things that Premium customers are covered for today will stay the same. This includes:

  • Worldwide cover 

Including the United States. 

  • For you and your family 

By “family”, Zurich means partners and dependent children up to 19 years old (or 21 if in full-time education). They’re only covered if they’re travelling with you. Exclusions apply, please read the Ts&Cs.

  • Multiple trips

You’re covered for an unlimited number of trips if each one is less than 45 consecutive days.

  • Winter sports 

Including skiing and snowboarding, ski equipment and ski hire up to £750.

  • Travel disruption 

Covers cancellation costs up to £5,000, costs for trips being cut short up to £5,000 and flight delays by 4 hours or more.

  • Car hire excess waiver up to £3,000

If you damage a rental car abroad.

  • Medical bills up to £10 million

For medical emergencies, including practitioners’ fees, hospital expenses and medical treatment.

  • Lost valuables up to £750

Including luggage, personal money and travel documents, jewellery, laptops and tablets, and more.

  • £50 excess 

There’s a £50 excess for every successful claim where an excess is payable. An excess is the amount of money you pay towards a claim.

New provider, new terms and conditions

The change in provider means that Zurich, powered by Qover will be setting their own exclusions. We’ll also be changing some of the language in the Monzo Premium Terms and Conditions.

Summary of the things that will be different in new Zurich insurance policy:

  • General exclusions now include climbing on roofs and jumping from heights, buildings and rock formations.
  • You’ll now need receipts for all claims.
  • Personal liability now excludes intellectual property and copyright, loss or damage to property, and any damages that should be more specifically claimed under another policy.
  • Hijack now excludes privately chartered or rented vessels.
  • Winter sports now excludes claims for anything you’ve left unattended, unless in locked storage or a lockable ski or snowboard rack.
Up to 2nd August 2023, AXA will provide your travel insurance cover then we’ll move you over on 2nd August 2023 and update the ‘your travel insurance’ section of the Monzo Premium Terms and Conditions.

There’s nothing for you to sign and no forms to fill in. And there’s still no need to make any medical declarations. Please note, pre-existing medical conditions are not covered.

Solvency II Directive & IRRD: New Rules for EU Insurance Sector

Why insurers go to online insurance, telematics & artificial intelligence, underwriting margins for reinsurers will reach peak in 2024, cyber insurance poses significant risks to re/insurers’ stability.

monzo premium travel insurance terms and conditions

For our Monzo Premium clients only

  • You don't need to have purchased your trip with the Monzo card. You just need to be Monzo premium at the time of the incident.
  • Coverage extends to the cardholder's partner and children if they are travelling with the cardholder.
  • Worldwide coverage.

You have encountered a problem with your trip

You are covered worldwide, travel inconvenience, valuables inconvenience, overseas medical expenditure, personal liability, overseas legal expenses, list of coverages, travel cancellation and curtailment, overseas emergency medical expenses and assistance, baggage and valuable lost, stolen or damaged, overseas hospital benefits, overseas emergency dental treatment, delayed or missed departure, (extended) baggage delay, winter sports, rental vehicle excess, personal money lost, stolen or damaged, travel documents lost, stolen or damaged, personal possessions mugging, personal accident, legal documents, about qover, do you make a claim for one of these topics.

Twin Perspectives

Honest Monzo Premium Review (2023)

Sign up to your own monzo account & get £5 on me.

This Monzo Premium review contains affiliate links.

I first opened my account with Monzo in 2018, with the intention of using it just as a travel card. Offering entirely free transactions, anywhere and in any currency, using Monzo for travel seemed like a no-brainer.

With Monzo picking up the transaction fee that Mastercard would usually charge its customers, using Monzo abroad meant that I didn’t have to travel with large amounts of cash on me (to avoid incurring any charges to my Visa Debit card).

However, aside from using Monzo abroad, I hadn’t really considered using it as a bonafide, current account. Having remained loyal to my Barclays account since time began (I think I opened it when I was 12), and due to the fact that I had my mortgage with them, it didn’t occur to me that I should make a change.

However, a couple of years later –  having now sold my old house and had a baby – I was in a different place entirely. Now wanting to track my finances more than ever before (particularly with the current cost of living crisis hitting home), I was finding my Barclays current account – and the app that came with it – extremely limiting.

With new ‘neobanks’ such as Monzo, Starling and Plum, introducing intuitive saving ‘rules’ to make setting money aside an every day habit – Barclays began to seem more and more archaic.

Likewise, the Barclays app offered no budget monitoring features at all. I received no notifications about how much I was spending, nor how much I had left in my account; something that would have helped me stick to the (financial) straight and narrow.

Eventually, having experimented with using Monzo’s saving pots, I decided to make the switch – moving entirely to Monzo and closing my Barclays account.

honest review of Monzo premium

Deciding on Monzo Premium

However, rather than just moving over to my existing Monzo current account, I decided to upgrade to Monzo Premium; an account with a monthly fee of £15.

Offering worldwide phone and travel insurance, higher interest rates, the ability to link to your other bank accounts (credit cards included), discounted access to airport lounges, multiple brand offers and – their crowning jewel – a white, metal debit card – Monzo Premium certainly seemed an attractive deal.

Having since decided to bite the bullet and commit to Monzo Premium, I wanted to provide a quick summary of how I’ve found the past few months.

Below is my Monzo Premium review and whether I think it’s ultimately something that’s worth the money.

review of Monzo Premium

A Quick Monzo FAQ

As Monzo is an online, rather than high-street bank, you might have a few questions (and hesitations) about how it works. Below are all the questions I had before switching over to Monzo Premium.

Is Monzo a Bank?

In short, yes.

Fully authorised in the UK by the powers that be – the Prudential Regulation Authority (PRA) -and regulated by the Financial Conduct Authority, Monzo is a legitimate bank through which you can bank and save money.

However, Monzo is only online, so you won’t be able to pop into any high-street chains. Indeed, Monzo is that new brand of bank, a ‘neobank’.

In short, this means it has no physical location and is ‘mobile first’. Monzo (and its competitors such as Starling and Revolut) also lack certain bank licences that would allow them to offer some financial services e.g mortgages. For other financial services – lending facilities, for example – a neobank will usually partner with an existing licensed bank in order to provide them (and is all above board).

Are Neobanks Better than Traditional Banks?

If you’re fairly tech-savvy, undertake most tasks on your mobile phone and want fast and intuitive access to your bank accounts – then yes, neobanks are probably far better than traditional banks.

Furthermore, these online banks offer a fun, engaging and instinctual way to manage your money – offering automatic spending rules (e.g., rounding up all your payments, or putting away £2 when it rains) and provide immediate and real-time oversight of your finances.

However, if you want more traditional financial services – mortgages or high-interest ISAs, for example – then you might find a neobank more limiting. Instead, you’ll need to get these larger products through traditional institutions.

Can You Get an Overdraft with Monzo?

Yes, Monzo do offer an arranged overdraft – although the interest you’ll pay on this are fairly expensive.

Currently, Monzo charges three variable rates for their arranged overdrafts: 19%, 29% or 39% EAR variable (your rate will be dependent on your credit score). This means that if you use an arranged overdraft of £1,200 for 30 days, with 39.0% EAR/APR (variable), you’d end up paying £32.94 in charges.

For some customers, overdrafts of up to £2,000 can be approved by Monzo, but they do state that they are very careful who they give this facility to.

Which is Better: Monzo or Starling?

When I first decided to get an account with Monzo, I was initially swayed by the possibility of banking with Starling, instead.

Like Monzo, Starling are an online ‘neobank’ – offering similarly intuitive, well-branded and user-friendly banking solutions.

After much research, however, there didn’t seem any huge differences between Monzo and Starling – aside from one thing, that is.

Starling doesn’t charge for any cash withdrawals abroad, whereas Monzo (unless you’re a Premium customer), will charge 3% on withdrawals over £250 – and  every 30 days (in Europe). Worldwide, you can take out £200 for free every 30 days, after which you’ll pay a 3% fee.

However, given that I don’t usually withdraw money abroad – and certainly not more than £600, this didn’t seem to be an issue.

Likewise, I noticed that Monzo’s saving features – something I was especially interested in – seemed a little better than Starling, including its round-up feature.

Ultimately, however, Monzo and Starling come pretty much top of the leader board when it comes to neobanks operating in the UK; enjoying fantastic customer ratings and impressive trust and credibility scores.

Is Monzo Safe?

Yes, very safe.

To reassure you, more than 6 million people are already (very happy) Monzo customers – myself included. Your money is protected by the Financial Services Compensation Scheme (FSCS) up to a value of £85,000.

Although an ‘online’ bank – you can also talk to a human whenever you need to, so there’s also no need to worry that you’ll get stuck in an endless loop with AI bots.

How Do I Deposit Cash or Cheques with Monzo?

Although the age of cheques has largely come to an end, a few do still appear in my life – courtesy of birthday or Christmas gifts.

One thing I did want to therefore mention in this Monzo Premium review is the fact that banking a cheque with Monzo isn’t quite as easy as banking with a high-street bank.

Instead, if banking with Monzo, you’ll need to send the cheque to their PO address (you’ll also have to pay for postage, too) – and then wait for a few days for it to be both received and processed. Admittedly, I did find this a bit of chore, but actually – once I’d posted it – it arrived and cleared in my account four days later.

However, if you’re a person who regularly receives and banks cheques, banking with a ‘neobank’ such as Monzo might become a little laborious.

Do Monzo Offer Savings Accounts and ISAs?

Yes, Monzo offer both savings accounts and ISAs – all offering high interest rates than their current accounts and ‘pots’.

The majority of these are offered via OakNorth Bank and include flexible ISAs, fixed term saving pots and easy access savers.

monzo premium travel insurance terms and conditions

12 Best Apps to Save You Money in 2023

How easy is it to switch to monzo premium.

One thing that had put me off moving bank accounts was the presumption that it would be an incredibly stressful process.

Imagining that I’d need to call every one of my utility suppliers and re-direct every direct debit, it was a task that seemed completely overwhelming.

However, once I switched to Monzo Premium, I realised that the entire process was laughably straightforward.

Thanks to the introduction of Current Account Switch Service (CASS), the Current Account Switch Guarantee means that (for every bank or building society signed up to it) your new bank is legally obliged to do all the legwork for you: moving across your existing direct debits, standing orders and payment details for your salary (or pension).

If anything goes wrong, they are also responsible for these errors and must reimburse you immediately.

On average, your new bank account can be up and running within 7 working days – although my own switch to Monzo Premium took place over a fortnight (although this was the Christmas period).

As a result, my salary was automatically redirected to my new account, alongside all my direct debits and standing orders. I didn’t have to lift a finger, aside from changing just a few things (my linked Paypal account, for example, alongside Amazon payment details etc). My new Monzo card also automatically appeared in my Apple Wallet and I quickly set that as my default card.

The whole process was truly seamless and ultimately made me wonder why I hadn’t switched bank accounts sooner.

review of Monzo Premium

Monzo Premium Review: What I Liked

1. phone & travel insurance included.

Prior to signing up to Monzo Premium, I had separate phone and travel insurance. Individually, these were costing me in the region of £25 a month.

The phone and travel insurance offered by Monzo Premium was therefore a fair amount cheaper – at £15 a month – and meant that everything was in one place.

The travel insurance available via Monzo Premium is worth £159 a year and covers winter sports, which my old policy didn’t (it was too expensive to add). It’s also worldwide, which again my old policy was not. So all in all, these policy enhancements felt like a win.

The phone insurance provided by Monzo Premium is also fairly comprehensive and includes coverage of cracked screens. Monzo claim that this particular level of coverage would normally be worth £97 a year.

Ultimately, Monzo claim that the average Monzo Premium customer will save around £64 a year on their phone and worldwide travel insurance, which isn’t bad at all.

2. Discounted Airport Lounge Access

As a frequent traveller, the discounted airport lounge access offered by Monzo Premium was a definite attraction.

Prior to Covid and having my baby, I was a member of the BA Avios scheme – a Silver member, in fact. This meant I got access to a fair few BA lounges and always appreciated being able to sit in relative peace and quiet, especially when my flight was delayed.

Sadly – and having not been able to travel for a good two years – my fall from grace when it came to the BA Executive Club was spectacular. Almost overnight, I went from the fairly respectable Silver level to the Blue tier – i.e. one with absolutely no benefits at all.

Each time I went to the airport and inevitably got delayed, I could no longer (alas) hide in a lounge anymore.

Now, I have to mention in this review of Monzo Premium that you don’t get full, unfettered lounge access. Instead, you get £20 off (per visit, per person) – thanks to their partnership with LoungeKey . If you’re travelling with a guest, they also benefit from the same discount.

I had a quick look through the lounges that fall under this scheme and they’re fairly comprehensive, including: Club Aspire Lounge at Heathrow Terminal 5, the No.1 Lounge at Gatwick airport (amongst others) and the Aspire Lounge at Birmingham airport.

Abroad, there are also plenty to choose from. These include the Lufthansa Business Lounge at JFK airport and the Pearl Lounge at  Marrakech  airport.

Having looked at the entrance fee for these lounges, with the £20 discount from Monzo Premium, you’ll pay around £20 – £24 for entry, on average.

Generally, this will provide you with access to unlimited food and drink, a 3 hour stay, WIFI, charging points and comfy armchairs (and respite from the chaos of the airport).

3. Advanced Round-Ups

What I’ve always loved about Monzo is their ’round-up’ feature – aimed at making your spare change go further.

Every time you buy something, Monzo rounds up the cost to the nearest pound; automatically adding the change to one of your selected ‘pots’. By using this feature, Monzo claim that their average customer will save £129 a year.

While this is a feature across all Monzo accounts, with Monzo Premium (and Monzo Plus) you can increase these round-up amounts – rounding up by 2, 5 or 10 times.

The result is the option to save more – and faster.

4. Five Free Cash Deposits a Month

As someone who still deposits money into their account (thanks to birthdays, or selling things on Facebook Marketplace), I was a little apprehensive about moving to an entirely online ‘neobank’.

With no physical branch to walk into, I wondered whether I’d find myself just spending the cash I’d accumulated rather than banking it – which defeated the point of moving to Monzo in the first place.

However, and with Monzo Premium, I can make 5 free cash deposits each month (up to £27,000) using  Paypoints across the UK . Thankfully, these Paypoints are across most cities, towns and even villages – meaning paying in your cash is fairly easy.

If you don’t have Monzo Premium, it’ll cost you £1 per transaction to bank this money (deducted from the amount you cash – e.g. if you add £10 to your account, then £9 will clear).

5. The Metal Card

Now, I’m a bit embarrassed to admit that one reason I was very much drawn to this fee-based account was its beautiful, dare I say it – sexy – looking debit card.

A metal card with an immaculate white finish, the Monzo Premium card is quite the thing to behold. While I always loved the bright Coral coloured card that came with the standard Monzo account – this piece of plastic (or metal, should I say), was in a different league entirely.

Weighty to hold (it weighs 3 x more than their plastic cards) and made from a single sheet of stainless steel, this card is beautiful engraved with flashes of silver and is in, in short, really quite beautiful.

Sitting in my wallet like a tiny piece of artwork, I’ve already had many a compliment on my Monzo Premium card – something that makes me embarrassingly proud.

6. Great Offers

Although you do get these offers with Monzo Plus, the discounts and benefits you get via Monzo Premium are great (albeit currently fairly limited).

These include: discounted RAC membership (£4.75 a month), 15% of Patch Plants, 50% off your  first HelloFresh box and 35% off your next 3 boxes, 25% off FIIT membership and 20% of Babylon Health.

These offers are changing all the time, so to really make the most of them, make sure you’re regularly checking back in on your app – particularly if you have any subscription-based purchases to make.

monzo premium travel insurance terms and conditions

Monzo Premium Review: What I Didn’t Like

1. geared towards travellers.

When deciding between Monzo Premium or Monzo Plus, I think the main difference really is the insurance offering.

For someone who is travelling regularly, then built-in travel insurance, access to discounted airport lounges and gadget protection is a real perk – and one reason why I decided to commit to this more expensive account.

However, if year-round travel insurance and access to airport lounges are of no benefit, then there’s perhaps little point in signing up to Monzo Premium (unless, of course, you are completely captivated by that beautiful debit card).

Instead, and if it’s higher interest rates you’re after, or access to advanced round-ups, then I’d probably advise you just sign up to Monzo Plus, instead – and save yourself £10 a month.

2. You Have to Sign Up for 6 months

Another downside to Monzo Premium is that you have to sign up for a minimum of 6 months. This means, if you upgrade your account and realise the benefits are of little use to you – or you find you can no longer afford the £15 monthly fee – then you’re stuck paying it for half a year.

You can cancel if you’re still within the 14 day cooling off period, however, you’ll be charged an eye-watering £50 for the card, which isn’t ideal.

When it comes to the difference between Monzo Plus and Monzo Premium, this is perhaps another tick in the box for the Plus account – as you only need to sign up for 3 months, rather than the 6.

3. Disappointing Interest Levels

Monzo currently offers its Premium customers access to 1.50% AER/Gross (variable) interest rates on up to £2,000. With the Bank of England increasing interest rates to 3% at the end of 2022, and given that Monzo haven’t yet increased this interest rate, you are – in theory – therefore losing money (in real terms).

I’d advise that if it’s higher interest rates you’re after, then probably look elsewhere. For example, Chase UK offer a 2.1% rate on their easy access savings account and Santander up to 2.75%.

Monzo Premium Review: Is It Worth It?

So, a quick summary to end this Monzo Premium review.

I’ve been a fan of Monzo for a long time and have always rated their (free) current account.

With quick and easy access to your saving pots, ability to better monitor budgets and easy rules to ensure your loose change works harder, Monzo is a fantastic bank.

Regularly rated one of the best banks in the UK, there is a lot to like about Monzo – even if you decide not to commit to its fee-based accounts. I’ve always found its customer service to be incredible (no ‘holding’ on a telephone line for hours on end) and their regular notifications about how much money I’m spending are incredibly helpful.

However, for those who have enjoyed a Monzo account for a while and are now considering upgrading to the heady heights of Monzo Premium, the question will inevitably be: is Monzo Premium worth it?

At £15 a month – or £180 a year – Monzo Premium isn’t cheap. In fact, it costs more than you (ironically) might save via it’s much celebrated ’round-up’ feature. I’d therefore say that if you do sign up, do it with the knowledge that you’ll certainly use – and maximise – its benefits.

This means travelling fairly regularly, making use of the discounted lounge access and keeping an eye on its offers and deals.

With my ‘regular traveller’ hat on, I do think Monzo Premium is worth it. However, from the perspective of a ‘saver’, I think you could find better deals – and interest rates – elsewhere. Furthermore, I think that if you aren’t travelling an awful lot, then you’ll perhaps be better off opting just for a Monzo Plus account – saving yourself £110 a year.

Overall, I’m really enjoying being a Premium member of Monzo and as long as I’m travelling abroad, I’ll probably keep the account. Indeed, Monzo is a brilliant ‘neobank’ and one I absolutely love banking with – and whether I’m a Premium account holder or not, I’m still incredibly glad that I made the switch.

Sign up to your Own Monzo account & get £5 on me

25 best amazon travel accessories for 2023, where is hot in march 9 short haul trips for 2023, you may also like, 10 best things to do in bukhara, uzbekistan (2024), 12 best things to do in tashkent, uzbekistan (2024), guide to high-speed train travel in uzbekistan (2024), 9 reasons why paultons park is the best theme park for toddlers, yoto player vs yoto mini – which is best for toddlers, everything you need to know about trevone bay, cornwall, our honest unyoked cabin review, norfolk uk, a family friendly guide to marazion, cornwall, is sark worth visiting, legoland for toddlers: is it worth visiting, discussion cancel reply, cookie policy, privacy overview.

Money Saving Answers Logo

Monzo Premium Account – Is it worth it?

Monzo premium card being used to pay contactless

Another day, another paid-for Monzo account. Monzo’s standard account might be one of the best out there, its paid accounts have so far been underwhelming. Rather than a Monzo premium review, this article is more of a critical look at the at the Monzo premium account, whether it is worth it, or if there are better alternatives.

Back in 2020  auditors Ernst & Young voiced their doubts about the Monzo as a going concern , it was clear that Monzo was keen to generate additional revenue streams to offset its huge losses. The Monzo Premium account appeared as a response to that. At £15 a month it’s packed with features, and in true Monzo style, there’s a fancy new card to go with it; but is it any good?

The ill-fated ‘Plus’ account cost £5 a month, Premium raises this to a hefty £15 a month, and includes a six month minimum term. That’s £180 a year, or £90 if you only keep the account the minimum term.

Whilst that might seem pretty steep, Monzo claims that the account benefits are worth up to £256 a year. Is it good value? Read our Monzo Premium review to find out.

Before we get started, it’s worth mentioning that Monzo is currently offering a £5 sign up bonus to new customers. To get the bonus, sign up for a Monzo account via our link , and make one card purchase within 30 days. It doesn’t matter which Monzo account you sign up for so you might as well start with the free one. 

Who can open a Monzo Premium account?

Before discussing the Premium account benefits in detail, it is first worth addressing the eligibility criteria for the account. As it comes bundled with insurance this imposes an 18-69 year old age limit on the account. It’s only available as a sole/single account, so not possible to upgrade a joint or business account to Premium

What do you get?

mono premium comparison table

The Premium account includes all of the Plus benefits i.e. Virtual cards, increased forgien ATM withdrawal limits, interest on savings, and advanced round-ups.

In addition, it also includes:

Metal cards are in vogue at the moment. First Revolut , then Apple, now Monzo. The Monzo Premium metal card is a 16g sheet of white steel with engraved logo. The card costs £50 to make, hence the six-month minimum term on the account to recoup some of the cost.

The card looks fantastic, and carries the holders name and account details on the back, allowing it to be shown off without fear someone feverishly noting down your card number. Given Monzo’s current crisis, one has to wonder why the bank has opted for such an extravagant card, the cost of which while past on to the customer will still eat into the company’s margin.

Mobile phone insurance

Monzo claims its bundled mobile phone insurance is worth £97 a year. That’s moot as far was we’re concerned, as that price can be beaten if you are prepared to shop around, though we’ll admit it does depend on your model of phone.

It offers £2,000 cover against theft, loss and accidental damage including cracked screens, but crucially, only covers the account holder’s phone. The underwriters will repair or replaced lost, damaged or stolen phones, but these will be from refurbished stock, an exact match and colour isn’t guaranteed.

Mobile accessories, including chargers, headphones, cases etc… are also covered if they are lost/damaged with the phone.

Unauthorised use is covered up to £1000, so there is some piece of mind should your phone be lost/stolen and large bills run up.

It is also worth noting that the excess is £75 for each claim, and only two claims are permitted in a 12 month period.

Worldwide travel insurance

Worldwide travel insurance is one of the main benefits of Monzo Premium, but strongly it launched during the COVID19 pandemic in 2020 and 2021, when travel was severely restricted.

The policy is estimated to be worth £159 a year, and covers the holder and family including children up to 19 years old, or 21 years old if in full-time education.

There is a maximum trip duration of 45 days, and £50 excess per claim. Compare that to Revolut’s 90 day maximum trip duration and it doesn’t look so good, but it is longer than Nationwide’s 31 days. In reality few of us travel for that long in a single trip anyway.

This is one where you would really comb through the policy in its entirety to ensure it covers everything you need, especially when it comes to sports and activities.

As ever it’s worth comparing this against stand alone and annual cover from the usual sources and comparison sites, as insurance is rarely a one size fits all affair. Especially as some important items such as valuables are excluded.

Increased interest on savings

Monzo Plus offers 1% on up to £2000 of savings (£20), Monzo Premium raises this to 1.5% (£30). Savings interest is paid on the accounts main balance and pots, but not on ‘savings’ pots. Bear in mind that this is below the rate of inflation so you are actually losing money in real terms.

With the Bank of England increasing the base rate now to 4.5% (May 2023), the 1.5% offered by Monzo Premium (which hasn’t changed since its launch) isn’t particularly competitive. Chase UK for example offers a 3.3% easy access savings account, and digital bank Kroo now offers 3.60% AER on balances in its current account. Monzo itself offers a 3% AER savings account which is available to all Monzo users, completely undermining the 1.5% offered by Premium.

Higher overseas withdrawal limits

Regular Monzo account holders can withdraw a maximum of £200 a month from foreign ATMs before Monzo charges a fee. The Plus account bumps this up to £400. The new Premium account increases this again to £600.

This may well be enough for most foreign trips, especially as card use at the point of sale of so prevalent, but the limits themselves aren’t even remotely competitive when one considers that Starling  fee free foreign withdrawals at £300 per day, meaning you could withdraw £9k over the course of a month.

It’s particularly disappointing given that Monzo started as specialist prepay travel card, but over time has slowly grown worse as a travel companion. For this reason it is doesn’t make it near the top of our list of the ‘ best cards for foreign spending ’

Free cash deposits

Another perk of the Monzo Premium account over the regular account is the ability to make five cash deposits a month completely free. The free Monzo account charges £1 per deposit.

Whilst useful for those that do need to deposit cash, Monzo loses out here as cash deposits are free with Starling, and have always been free with the traditional branch based banks.

Discounted airport lounge access

Pretty much every bonus and incentive scheme throws airport lounges access out there as a benefit. If it was free perhaps it would be. Unfortunately that is seldom the case, and access is instead offered at a ‘discount’. Monzo Premium is no exception. Your £15 a month subscription gets you access to the LoungeKey programme for £24 per person per visit.

Is Monzo Premium worth it?

When it first launched there was a lot to like about Monzo Premium, but as time has passed its value has slowly been eroded.

As ever, its value however really depends on whether or not you are able to make use of its benefits, but at £15 a month it’s not cheap. Spending that when so much of the Monzo account is about saving, is something of an oxymoron. Added to that, there are potentially better solutions out there. Nationwide’s FlexPlus for example offers similar insurance coverage for £13 a month, and includes UK and European breakdown cover (a £4.75 add-on with Monzo).

The travel insurance is a nice but expensive touch. Revolut Premium  offers similar travel insurance for £6.99 a month, and overall is more useful as a travel card. You can even get travel insurance for free using a combination of Curve Black and Plutus .

And with that in mind, our verdict is that the Premium account swings big, but misses on more occasions than it wins. It has potential, but its offers are now seriously in need of an update.

Currently the large high street banks are battling for customers and offering up to £200 for switchers, plus other incentives, some of which overlap with Monzo’s Premium offering. If considering opening a new account, see our post on the best bribes and incentives for current bank account switchers .

Monzo going forward

Monzo is the UK’s largest digital only bank with its 5 million plus registered users accounting for 39% of the digital banking market. Despite its growth the bank sits behind Starling in terms of deposit amounts per user, as more customers see use it as a second account. Monzo claims that 2.7% of its customers have sign up for a paid account. It will surely be looking to grow this figure in 2023, so it might well be worth keeping on eye on as the incentives change.

Consider Mozo - free £5 bonus

If you join Monzo via our link below you'll get a free £5 bonus if you make a card transaction within 30 days of joining Monzo.

It doesn't have to be Premium, even free accounts are eligible for the bonus

Monzo leads the way in customer satisfaction

Whilst digital banking means we need less contact with our bank, for many, customer service is still an important consideration. For many years traditional banks have performed poorly in this area, with only HSBC’s First Direct brand standing out for top level customer service.

Research commissioned by the Financial Conduct Authority, shows that digital banks have their traditional counterparts beaten on customer satisfaction. Monzo leads the way with a record score of 86% for overall service. Starling is second scoring 84%, and the ever present First Direct at 83%. This is one to keep an eye on, as traditional banks up their game in the wake of eroding market share, and new entrants such as Chase Bank vie for customers.

uk current account satisfaction levels

Related posts:

Monzo bank card

The article states that Monzo is not the travel companion it used to be, but I can’t find how it compares to others in terms of currency exchange rates? Surely a more important point than how much cash I can withdraw from an ATM as the lion share of spending aboard will not be cash these days? As far as I’m aware Monzo definitely beats PayPal’s or Barclaycard’s exchange rates hands down, would be nice to see how others fare in comparison.

Hi Hans, when spending via the debit card, or even a credit card almost all banks use the underlying Visa, or Mastercard rate. Some (traditional banks) add loading and other fees, but that’s not the case with here. Starling, Monzo, Chase etc.. don’t add any loading or other fees and all use the underlying Mastercard rate.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

Save my name, email, and website in this browser for the next time I comment.

Does Premium cover trips made with another card?

I have a question about Monzo Premium. I am wondering if the insurance covers travels booked with another card, like an Amex, or if purchasing the trip with the Monzo card is a requirement for the insurance to be active. I read the terms and conditions with Axa and it doesn’t say anything about such requirement, but I was wondering if anyone knew for sure.

:wave:

Yes, you are still covered for trips purchased by other payment methods.

The Premium monthly fee includes the travel insurance account - and the travel insurance account isn’t bothered by how you’ve paid for the trip (so long as it’s legal of course)

You’re only not covered if you cancel your Monzo Premium plan or if you operate outside of the insurance terms.

  • Credit Cards
  • All Credit Cards
  • Find the Credit Card for You
  • Best Credit Cards
  • Best Rewards Credit Cards
  • Best Travel Credit Cards
  • Best 0% APR Credit Cards
  • Best Balance Transfer Credit Cards
  • Best Cash Back Credit Cards
  • Best Credit Card Sign-Up Bonuses
  • Best Credit Cards to Build Credit
  • Best Credit Cards for Online Shopping
  • Find the Best Personal Loan for You
  • Best Personal Loans
  • Best Debt Consolidation Loans
  • Best Loans to Refinance Credit Card Debt
  • Best Loans with Fast Funding
  • Best Small Personal Loans
  • Best Large Personal Loans
  • Best Personal Loans to Apply Online
  • Best Student Loan Refinance
  • Best Car Loans
  • All Banking
  • Find the Savings Account for You
  • Best High Yield Savings Accounts
  • Best Big Bank Savings Accounts
  • Best Big Bank Checking Accounts
  • Best No Fee Checking Accounts
  • No Overdraft Fee Checking Accounts
  • Best Checking Account Bonuses
  • Best Money Market Accounts
  • Best Credit Unions
  • All Mortgages
  • Best Mortgages
  • Best Mortgages for Small Down Payment
  • Best Mortgages for No Down Payment
  • Best Mortgages for Average Credit Score
  • Best Mortgages No Origination Fee
  • Adjustable Rate Mortgages
  • Affording a Mortgage
  • All Insurance
  • Best Life Insurance
  • Best Life Insurance for Seniors
  • Best Homeowners Insurance
  • Best Renters Insurance
  • Best Car Insurance
  • Best Pet Insurance
  • Best Boat Insurance
  • Best Motorcycle Insurance
  • Travel Insurance
  • Event Ticket Insurance
  • Small Business
  • All Small Business
  • Best Small Business Savings Accounts
  • Best Small Business Checking Accounts
  • Best Credit Cards for Small Business
  • Best Small Business Loans
  • Best Tax Software for Small Business
  • Personal Finance
  • All Personal Finance
  • Best Budgeting Apps
  • Best Expense Tracker Apps
  • Best Money Transfer Apps
  • Best Resale Apps and Sites
  • Buy Now Pay Later (BNPL) Apps
  • Best Debt Relief
  • Credit Monitoring
  • All Credit Monitoring
  • Best Credit Monitoring Services
  • Best Identity Theft Protection
  • How to Boost Your Credit Score
  • Best Credit Repair Companies
  • Filing For Free
  • Best Tax Software
  • Best Tax Software for Small Businesses
  • Tax Refunds
  • Tax Brackets
  • Taxes By State
  • Tax Payment Plans
  • Help for Low Credit Scores
  • All Help for Low Credit Scores
  • Best Credit Cards for Bad Credit
  • Best Personal Loans for Bad Credit
  • Best Debt Consolidation Loans for Bad Credit
  • Personal Loans if You Don't Have Credit
  • Best Credit Cards for Building Credit
  • Personal Loans for 580 Credit Score Lower
  • Personal Loans for 670 Credit Score or Lower
  • Best Mortgages for Bad Credit
  • Best Hardship Loans
  • All Investing
  • Best IRA Accounts
  • Best Roth IRA Accounts
  • Best Investing Apps
  • Best Free Stock Trading Platforms
  • Best Robo-Advisors
  • Index Funds
  • Mutual Funds
  • Home & Kitchen
  • Gift Guides
  • Deals & Sales
  • Sign up for the CNBC Select Newsletter
  • Subscribe to CNBC PRO
  • Privacy Policy
  • Your Privacy Choices
  • Terms Of Service
  • CNBC Sitemap

Follow Select

Our top picks of timely offers from our partners

UFB Secure Savings

These are the 4 best family travel insurance plans

Find coverage that fits your family's travel plans with these four companies..

thumbnail

Family vacations are a special time, and ensuring they go smoothly is essential to making memories that will last forever. Travel insurance is one way to ensure that any bumps in the road can be smoothed over, from a lost bag to an injury abroad.

CNBC Select reviews the best travel insurance plans for families based on coverage, cost and plan variety. (See our methodology for more information on how we choose the best family travel insurance companies.)

Best family travel insurance  

  • Best for families with young children : Allianz   
  • Best for affordability : Faye   
  • Best for CFAR coverage : Travel Insured International  
  • Best for cruises : Berkshire Hathaway Travel Protection  

Best for families with young children 

Allianz travel insurance.

The best way to estimate your costs is to request a quote

Policy highlights

10 travel insurance plans make it possible to customize your coverage. For families, Allianz's OneTrip Prime package covers children age 17 and younger when traveling with a parent or grandparent.

24/7 assistance available

  • Trip cancellation benefits can reimburse your prepaid, nonrefundable trip payments if you have to cancel your trip for one of the covered reasons stated in your plan documents. 
  • Limited coverage for risky sports

Who's this for? Allianz is great for families with young children as its OneTrip Prime travel insurance policy offers free coverage for children ages 17 or under when traveling with a parent or grandparent. Though this benefit isn't available to Pennsylvania residents, it could help families with younger children lower the cost of their travel insurance coverage.  

Standout benefits:  Allianz's cancel for any reason (CFAR) coverage has an enhanced version available that can cover up to 80% of trip expenses if you have to cancel for a reason that's not covered.  

[ Jump to more details ]  

Best for affordability 

Faye travel insurance.

Faye offers travel insurance with a convenient online buying experience and an app with real-time travel alerts. It's one simple plan includes coverage for common issues, like trip cancellation, emergency medical expenses and trip delay coverage. It also offers coverage for pre-existing medical conditions when plans are purchased within 14 days of an initial trip deposit.

  • Covers Covid like any other medical condition
  • CFAR is available for up to 75% of trip costs for an additional cost.
  • Additional coverage options like vacation rental damage coverage and pet care coverage.
  • Not all benefits are available in all states.

Who's this for?  Faye travel insurance stands out for families on a budget. Its policies start at just $4.64 per day (for 14 days) for domestic trips and $5.16 per day (for 14 days) for international trips. It's also great for those who want a completely digital experience and would rather manage a policy through an app than an agent or by phone.

Standout benefits:  Faye's intuitive interface makes it easy to get travel insurance coverage on your own time, and quotes are available entirely online. On top of the standard trip delay, cancellation and interruption coverage, you can purchase CFAR coverage, coverage for adventure and sports activities and a pet care add-on, which can cover illness or injury for your pet when traveling with you, or extra kenneling costs if your trip is delayed if you leave your pet at home.  

Best for CFAR coverage 

Travel insured international travel insurance.

Travel Insured International has two simple travel insurance plans — the Worldwide Trip Protector and Worldwide Trip Protector Gold. Its plans are affordable and offer the option of cancel for any reason (CFAR) coverage.

  • Optional CFAR coverage and interruption for any reason coverage
  • Medical coverage can be lower than other options

Who's this for?  Travel Insured International could be a great fit for families looking for the flexibility of a CFAR addition to ensure they'll be covered for any reason they need to cancel. The company's wide variety of reasons for cancellation includes coverage for school year extensions with all plans.  

Standout benefits:  Travel Insured International's Worldwide Trip Protector can cover all children 17 and under for free when traveling with related adults.  

Best for cruises  

Berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection has multiple plans to cover vacations from luxury travel to adventure travel. The brand's LuxuryCare offers the highest limits of travel insurance coverage offered by the company. Quotes and policies are available online.

  • Wide variety of policies available
  • Strong financial strength rating by AM Best
  • Cancel for any reason only provides reimbursement for up to 50% of non-refundable trip payments

Who's this for?  Berkshire Hathaway Travel Protection offers cruise-specific packages for families setting sail on a cruise.  

Standout benefits:  Cruise plans include coverage for missed connections and unique challenges you could face on a cruise vacation, like cruise disablement and diversion. 

More on our top family travel insurance companies 

Allianz offers 10 different travel insurance policies for travelers and trips of all types, including single-trip and multi-trip coverage. It also offers quotes and claims online, making the experience simple.  

CFAR coverage available?  

Yes, up to 80% of prepaid, non-refundable trip costs 

24/7 assistance?  

[ Return to summary ]  

While relatively new to the space, Faye's travel insurance plans combine affordability and easy access. Policies are backed by the United States Fire Insurance Company.  

Yes, up to 75% of prepaid, non-refundable trip costs 

Travel Insured International 

Travel Insured International has been offering travel insurance for over 25 years. It has two tiers of coverage (available in most states) that can help you meet all your travel protection needs.  

Berkshire Hathaway Travel Protection 

Berkshire Hathaway Travel Protection offers several tiers of travel protection and insurance, including packages specifically designed for road trips and cruises. Its strong A++ financial strength rating also helps it stand out against the competition.  

Up to 50%, only available on LuxuryCare packages 

Does travel insurance cover family members?  

Generally, you can insure your whole family on one travel insurance plan, so you won't have to buy separate plans for every traveler. Your travel insurance plan will cover every person listed on the policy.  

Does travel insurance cover cancellation due to a death in the family? 

In many cases, travel insurance can help you recoup the cost of your vacation if you have to cancel due to a death in your family. However, you'll want to carefully read your policy's definition of a family member, as not everyone in your life could be included.  

Bottom line

A family vacation can be a big investment, so it's important to protect yourself in case anything goes awry. Having a travel insurance plan that's easy to access, provides 24/7 support and fits your specific travel concerns and budget can help ensure your trip will go smoothly.

Money matters — so make the most of it. Get expert tips, strategies, news and everything else you need to maximize your money, right to your inbox.  Sign up here .

Why trust CNBC Select? 

At CNBC Select, our mission is to provide our readers with high-quality service journalism and comprehensive consumer advice so they can make informed decisions with their money. Every travel insurance review is based on rigorous reporting by our team of expert writers and editors with extensive knowledge of travel insurance products. To research the best travel insurance companies, we compiled over 100 data points on more than a dozen travel insurance companies. While CNBC Select earns a commission from affiliate partners on many offers and links, we create all our content without input from our commercial team or any outside third parties, and we pride ourselves on our journalistic standards and ethics. See our methodology for more information on how we choose the best travel insurance companies. 

Our methodology  

To determine the best travel insurance companies, CNBC Select analyzed dozens of travel insurance companies and compared them based on various factors. 

While narrowing down the best travel insurance companies, we focused on the number of plans available, the availability of 24/7 assistance to access while traveling, coverage for Covid-19, the availability of cancel for any reason coverage, and financial strength (which measures a company's ability to pay on contracts) using A.M. Best ratings. We also considered family-friendly features, such as the inclusion of children on policies for free with parent's coverage, and reasons for cancellation, including school year extension as a reason for cancellation.  

Note that the premiums and policy structures advertised for travel insurance companies are subject to fluctuate in accordance with the company's policies.  

Catch up on CNBC Select's in-depth coverage of credit cards , banking and money , and follow us on TikTok , Facebook , Instagram and Twitter to stay up to date.  

Chime

  • Here are the 5 best business credit cards for LLCs Jason Stauffer
  • Here are the best unsecured business loans of March 2024 Ana Staples
  • 4 best business loan lenders that won't check your credit score Jasmin Suknanan

comscore

IMAGES

  1. Monzo Premium Terms and Conditions

    monzo premium travel insurance terms and conditions

  2. Monzo Introduce Premium Account ‘Monzo Plus’ & Travel Insurance

    monzo premium travel insurance terms and conditions

  3. Monzo launches new premium account

    monzo premium travel insurance terms and conditions

  4. Travel insurance

    monzo premium travel insurance terms and conditions

  5. Is Monzo Premium worth it?

    monzo premium travel insurance terms and conditions

  6. Monzo Premium Travel Insurance

    monzo premium travel insurance terms and conditions

VIDEO

  1. Why does premium increase in health insurance? #insurance #insuranceawareness #insurancepolicy

  2. Are Monzo FINALLY Profitable?! 2023 Annual Report Update

  3. Buying Health Insurance??

  4. Monzo Mexican Pancakes 🥞 #2

  5. Is Monzo Premium Worth It? #Shorts #YouTubeShorts

  6. Monzo Pancake Ad 🥞

COMMENTS

  1. Monzo Premium Terms and Conditions

    If these Monzo Premium terms and conditions are inconsistent with our current account terms and conditions on the same issue, then these Monzo Premium terms and conditions will apply. ... Until then your worldwide travel insurance continues to be provided by AXA. You can find the details of your Zurich cover in Zurich's Terms and Conditions ...

  2. PDF Your Monzo Premium Cardholder Travel Insurance

    This is a travel insurance policy with Monzo Bank Ltd as the Group Policyholder. ... seek changes to the terms or conditions of this insurance or direct rights against the insurer under this policy. ... account in accordance with your Monzo Premium account terms and conditions. This will mean the other account

  3. PDF Monzo Premium AXA Terms and Conditions

    MONZO BANK TRAVEL POLICY - PROVIDED BY AXA 3 INTRODUCTION 3 IMPORTANT HEALTH REQUIREMENTS 3 ... Premium Card through Monzo Bank. The provision of those benefits is enabled by an insurance policy held by and issued to ... Strict compliance with the terms and conditions of this agreement is required if you are to receive its benefit. ELIGIBILITY

  4. Monzo Premium has a new travel insurance provider

    If you're a Monzo Premium customer and wondering how the switch will affect your travel insurance cover, here's what you need to know. Up to 2nd August 2023, AXA will provide your travel insurance cover then we'll move you over on 2nd August 2023 and update the 'your travel insurance' section of the Monzo Premium Terms and Conditions ...

  5. Worldwide Travel Insurance by Zurich, powered by Qover

    Worth £143 a year. We asked a market research group to see what it would cost if you bought comparable travel insurance on its own. The results showed the insurance is worth, on average, £143 a year. With Monzo Premium you get worldwide travel insurance, phone insurance provided by Assurant, a white metal card and much, much more.

  6. Monzo Premium

    Get an exclusive interest rate of 4.60% AER (variable) with Plus and Premium on balances up to £100,000 in Personal Instant Access Savings Pots, paid monthly. That's instead of the 4.10% AER (variable) you get with a regular Monzo current account. Your money is protected by the FSCS for amounts up to £85,000.

  7. Introducing Monzo Premium

    Today we're launching Monzo Premium, our newest account. It's banking that makes a statement, and it comes with our first metal card. Get extensive phone insurance for phones worth up to £2000, and worldwide travel insurance for you and your family. By family, AXA means partners and dependent children up to 19 years old (or 21 if in full time ...

  8. Our new Monzo Premium travel insurance provider is here

    From 3rd July 2023, Monzo Premium's worldwide family travel insurance will be provided by Zurich, powered by Qover. I'm here to give you all a little more detail about the switch. Most of the things covered by the insurance will stay the same. As will the excess amount and the price of Monzo Premium. 1348×708 139 KB.

  9. Monzo Premium has a new travel insurance provider Zurich, powered by Qover

    Up to 2nd August 2023, AXA will provide your travel insurance cover then we'll move you over on 2nd August 2023 and update the 'your travel insurance' section of the Monzo Premium Terms and Conditions. There's nothing for you to sign and no forms to fill in. And there's still no need to make any medical declarations.

  10. Digital Banking: Monzo Announces New Travel Insurance Provider For

    Up to 2nd August 2023, AXA will "provide your travel insurance cover then they'll move you over on 2nd August 2023 and update the 'your travel insurance' section of the Monzo Premium Terms ...

  11. Monzo Premium Travel Insurance

    From 3rd July 2023, Monzo Premium's worldwide family travel insurance will be provided by Zurich, powered by Qover. This blog explains more about the switch. Moving from AXA to Zurich and has a nicer claims process in-app. Pity though pre-existing health isnt covered which rules it out for me. 2 Likes.

  12. Monzo

    Contact us. If you have any questions about your policy, please fill in our contact form or call us on 0330 808 5209. Monday to Friday 9am-5pm (UK time). If you have a medical emergency or need to curtail your trip, please contact Zurich assist at +44 (0) 20 8156 2610. Zurich assist is available 24/7.

  13. Monzo launches packaged account with travel insurance: is it ...

    Challenger bank Monzo will soon offer customers a packaged bank account, Monzo Plus - with services such as fee-free cash withdrawals abroad and travel insurance - that could cost customers up to £156 a year. You can choose the colour of your new bank card and receive exclusive Monzo 'swag,' but we found the account's travel insurance cover ...

  14. Honest Monzo Premium Review (2023)

    Ultimately, Monzo claim that the average Monzo Premium customer will save around £64 a year on their phone and worldwide travel insurance, which isn't bad at all. 2. Discounted Airport Lounge Access. As a frequent traveller, the discounted airport lounge access offered by Monzo Premium was a definite attraction.

  15. Monzo Plus

    I'm all for this travel insurance being part of the Monzo Marketplace, which was the original concept for Monzo. But putting this behind the "Plus" paywall doesn't make any sense, because it isn't any cheaper. I'd be happier to pay a small premium to get this via Monzo.

  16. What is travel assistance ?

    The assistance covers a series of services to help you in case of accident, death or repatriation while travelling. Please refer to the Terms and Conditions for more details.

  17. Travel insurance

    Where Monzo advertise the insurance as for you and your family, they mean specifically, your partner, and your children under the age of 21 if still in full time education, under 19 otherwise. It's explained in the app here if you tap on travel insurance: 1170×2532 394 KB. Any other family member will not be covered by the insurance, though ...

  18. Monzo Insurance-Portal

    Under the terms and conditions of your policy we will always try to provide a phone which is the same colour and specification as the device we've replaced but sometimes due to stock availability this isn't possible. ... Monzo Premium phone insurance, PO Box 98, ... Your Premium phone insurance has been arranged for Monzo Bank Limited by ...

  19. Monzo Premium Account

    Worldwide travel insurance is one of the main benefits of Monzo Premium, but strongly it launched during the COVID19 pandemic in 2020 and 2021, when travel was severely restricted. The policy is estimated to be worth £159 a year, and covers the holder and family including children up to 19 years old, or 21 years old if in full-time education.

  20. Premium Travel Insurance Cruise cover

    It does now. It didn't when I booked a 2021 cruise and so had to buy a bog-standard £80 cruise insurance policy for the family, but it did include cruise cover when we booked a 2022 cruise. Specifically: Top of page 7 of T&C's (third word): monzo.com monzo-premium-axa-terms-and-conditions.pdf. 1594.87 KB

  21. Monzo Travel Insurance

    Monzo Travel Insurance - Hidden Terms. Help. marting (Martin) 20 March 2023 11:40 1. Hi community, I'm thinking in getting Monzo Premium to get the benefit of the travel insurance (among others). What I couldn't find in the docs is if whether in order to be covered by the travel insurance, I need to buy the plane tickets with Monzo.

  22. Does Premium cover trips made with another card?

    Hello, I have a question about Monzo Premium. I am wondering if the insurance covers travels booked with another card, like an Amex, or if purchasing the trip with the Monzo card is a requirement for the insurance to be active. I read the terms and conditions with Axa and it doesn't say anything about such requirement, but I was wondering if ...

  23. Monzo Premium

    I travel often to Malaysia and having an annual policy is better for me. If you're only planning on going to Thailand, you could just get a single policy which could be cheaper. For me, monzo premium breaks even for travel and phone insurance. I make use of Wise cashback, additional interest and the discounted lounges to make it a bit more ...

  24. 4 Best Family Travel Insurance Plans of 2024

    Faye offers travel insurance with a convenient online buying experience and an app with real-time travel alerts. It's one simple plan includes coverage for common issues, like trip cancellation ...

  25. Travel insurance when pregnant: What you need to know

    Travel insurance providers that cover preexisting conditions may allow you to purchase a preexisting condition waiver if you meet certain criteria, which means some preexisting pregnancy ...