Comments on: The Best Credit Cards With Travel Insurance for 2026

By: LuisMitchell

LuisMitchell — Thu, 02 May 2024 01:23:28 +0000

In reply to Barry Choi. Exactly! I'm agreed with you here. So I think a travel insurance is mandatory for everyone. What do you think?

By: Barry Choi

Barry Choi — Thu, 01 Sep 2022 14:26:46 +0000

In reply to ken C.

Hey Ken,

You’d only get a cash refund if you have trip cancellation insurance and the reason you cancelling your trip is covered by your insurance policy. In addition, there’s typically a max amount you can claim.

I personally book fully refundable hotels these days. When it gets closer to my date, and I know for sure that I’m going, I’ll book a cheaper rate which requires me to pay in advance.

By: ken C

ken C — Wed, 31 Aug 2022 15:49:04 +0000

Thanks Barry for your useful info. Do any of these credit cards cover hotel costs if you already booked them but have to cancel the trip? If not, is there any kind of insurance that covers hotel costs to get the full cash refund? In this pandemic world, it is very hard to plan holidays where you already paid for everything and all of a sudden you find yourself you have to cancel the trip due to covic.

Thanks Barry. Have a great day.

By: Barry Choi

Barry Choi — Sun, 28 Aug 2022 17:58:59 +0000

In reply to ken C. Hi Ken, No, your included travel insurance only covers your spouse and dependent children under the age of 18.

By: ken C

ken C — Sun, 28 Aug 2022 16:08:22 +0000

Barry,

I always enjoy reading your excellent articles.
If I use my credit card to buy and pay for vacation trips for several people, are they covered individually by the one credit card? Thank you.

By: Joy

Joy — Sat, 19 Mar 2022 20:30:15 +0000

I have had a mbna card for a few years know, just found out they change my travel insurance, which amounted to almost nothing, charged me $120 yearly, when questioned about my coverage, and wanted to change to World Elite card which is $120 yearly as well for full coverage was told i needed $80,000 in income. Since retired, annual income not possible to meet, have excellent credit score, no debts and cash in bank, was informed that didn’t matter. Made no sense to me, but the final kicker was ask how seniors where to be able to have this card, “Seniors don’t travel much” not sure what world he lived in. My biggest problem is that the annual fee is the same for both cards. My advise to you is to check out all the fine print, and actually find a card that does use credit history to provide some service.
Have switched to Meridian Infinity Card cheaper annual fee and full coverage!!!!!!

By: Barry Choi

Barry Choi — Mon, 10 Jan 2022 14:46:52 +0000

In reply to CJ.

CJ,

I recommend anyone that’s 65+ to get their travel insurance from a regular travel insurance provider instead of relying on their credit cards. Having a separate policy will almost always offer you better protection.

As for a no forex fee card, I recommend the Wealthsimple Cash Card – https://www.moneywehave.com/wealthsimple-cash-review/

By: CJ

CJ — Mon, 10 Jan 2022 14:24:02 +0000

Hello
I am looking for a rewards card with no forex and emergency medical coverage for 65+
Can you help?

By: Jake

Jake — Wed, 11 Aug 2021 23:56:52 +0000

In reply to Viviene. Why not include my TD Infinite Visa?

By: Barry Choi

Barry Choi — Sat, 17 Oct 2020 18:07:29 +0000

In reply to Greg Hartigan.

Hey Greg,

Your age only affects the travel insurance. Since you’re 25+, you only get 10 days of coverage. That said, I always recommended seniors who need travel insurance get a separate policy from a travel insurance provider because the underwriting process is better.

Come November 8th, your card will be changing to the new Aeroplan cards which will give you some additional Air Canada benefits.