N26 Metal is a great overall card EXCEPT
N26 Metal is a great overall card, however do not use it for Airline delays or cancellations. Allianz the insurance company behind their insurance policies has some strange outs for cancelled or rerouted trips. My flight was at 06.30 from Stockholm to LAX via Amsterdam on KLM. At 06.30 Airline informed us a Tank Truck had made contact with one of the plane engines and they needed to review with operations in Amsterdam. At 08.30 the Airline informed us that we will be rebooked on other flights to our destinations. KLM rebooked me on Aeroflot getting in about 8 hours late and due to other issues I can not fly via Moskva, so for 3 hours was on the phone with different KLM related entities. Finally a great call agent were able to book me on Finnair getting in at around 5 pm instead of the original 11 am KLM flight. Excuses from Allianz so far is hilarious "we do not cover cancelled flights by airlines that are in default" "we do not cover cancelled flights on first leg or any rerouting" So the only way I would have qualified for compensation from Allianz/N26 Metal is if the same plane was delayed more than 4 hours and I could only take the same route. 

 Update, Allianz came through with a credit even though the claim was denied 3 times in 2 months.