Comments on: How Credit Card Travel Insurance Works When Booking a Flight on Points or Miles

By: Brenda

Brenda — Sun, 11 Oct 2020 04:59:50 +0000

In reply to Barry Choi. We have the American Express Gold card, the travel insurance doesn't apply cause we are over 65. Check your terms and conditions carefully.

By: Marry Walker

Marry Walker — Wed, 05 Aug 2020 12:06:39 +0000

credit cards always help us while we have no cash. and after reading this blog, I can say that we all must have credit cards during traveling. It will be always helpful to us.

By: Barry Choi

Barry Choi — Wed, 11 Dec 2019 01:21:00 +0000

In reply to Amy. Hi Amy, Correct, your travel medical applies regardless but with your other travel insurance e.g. trip cancellation or lost luggage, you'd have to charge part of the costs to your card for the insurance to apply.

By: Amy

Amy — Tue, 10 Dec 2019 22:24:00 +0000

I am interested in National Bank World Elite MasterCard since it has 60 day coverage. The policy states that “4. This coverage applies to purchases and rentals charged in part to the card, except out-of-province medical/hospital insurance for which the travel arrangements need not be charged to the card, and lost or delayed luggage insurance where all transportation costs must be charged to the card.”

Does this mean my flight and cruise doesn’t need to be charged on the card for out-of-province medical/hospital insurance?

By: Julie

Julie — Thu, 22 Aug 2019 20:08:12 +0000

I would add the Gold and Cobalt cards to this list. While they never offer trip cancellation – they do offer baggage, interruption etc. As long as you pay for the flight in full, and redeem points (at the higher value is 10/1 for travel) against that travel – all insurance remains intact. Full amount IS charged to the card. To be safe, I usually don’t even redeem points for credit against that travel until I’m home from said travel. 🙂
Another note worth point out, while on the subject – all travel in a single trip should be booked on the same card as the flights for coverage. Example – I flew to Italy, then took trains while in Italy. I used two different cards to pay. I had a problem with the trains and contacted BMO world Elite for coverage and they said since I didn’t book the flights to/from Italy with that card – they wouldn’t cover the train while in Italy.

By: Barry Choi

Barry Choi — Fri, 14 Jun 2019 11:42:10 +0000

In reply to Hopeful.

Hopeful,

Unfortunately, a damaged passport doesn’t fall under travel insurance so you wouldn’t be covered.

By: Hopeful

Hopeful — Fri, 14 Jun 2019 05:43:59 +0000

Will TD Aeroplan Visa Infinite Card cover water damage to your passport? ( damage occurred while traveling on a flight booked with the credit card)

By: Barry Choi

Barry Choi — Sun, 09 Jun 2019 23:52:13 +0000

In reply to Gin. Gin, Very good point. The trip cancellation may look of decent value when factoring just the flights, but as you stated, all the other costs can easily go over that limit.

By: Barry Choi

Barry Choi — Sun, 09 Jun 2019 23:51:42 +0000

In reply to Cc churner. Cc churner, You're usually covered for travel medical as long as you have the credit card.

By: Cc churner

Cc churner — Sun, 09 Jun 2019 07:23:11 +0000

In reply to Barry Choi. So even if they didn't actually use their credit card to book the trip, they'd still get travel medical insurance?