dont take the N26 Black account if you…
dont take the N26 Black account if you are looking for a good insurance; i got my bags delay but they didn't covered cause i pay the hotel with PayPal; for being covered you  need to use just the N26 card.
7 months after the claim the ask the receipt for the hotel, no sense, i was covered for the delay bag, is a joke this insurance; so if you are a traveler run away.