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Just about to undertake my first family trip since the new online lounge invite management has come into play. Wish they had stuck with the old system - far easier just rocking up and presenting the invite card. I've registered for points upgrades and have concern about wasting the lounge...

I'm planning on taking my family on a RTW trip via Africa, UK and USA in July, probably on OneWorld airlines. Was wondering if anyone had any thoughts/experience with the free credit card travel insurance? I have a Diners Card, AMEX platinum, and Citibank Gold Mastercard which all offer free...