Complimentary credit card travel insurances - Any adequate ones?

[the8guy]

I currently hold ANZ Qantas black card with complimentary TI. I have looked up the PDS with a benefit limit of AUD5000. I have a trip to NZ coming up with a rental vehicle from Hertz of an excess NZD5900. While I've booked the car rental via booking.com which offered me excess reduction from RENTALCOVER if anyone heard of it. Any thought if i should take this up from RENTALCOVER or the complimentary TI from ANZ card is suffice?

 

[Happy Dude]

I currently hold ANZ Qantas black card with complimentary TI. I have looked up the PDS with a benefit limit of AUD5000. I have a trip to NZ coming up with a rental vehicle from Hertz of an excess NZD5900. While I've booked the car rental via booking.com which offered me excess reduction from RENTALCOVER if anyone heard of it. Any thought if i should take this up from RENTALCOVER or the complimentary TI from ANZ card is suffice?

You'll be covered for the first $5000 of the $5900 with your credit card policy which means that you'll have to pay the other $900. Should be easy to compare that with what you'll pay in premium and excess for the separate policy.

 

[the8guy]

You'll be covered for the first $5000 of the $5900 with your credit card policy which means that you'll have to pay the other $900. Should be easy to compare that with what you'll pay in premium and excess for the separate policy.

With this TI it doesnt cover damages to tyres, windscreen etc which seems odd whereas the RENTALCOVER covers all of these. I thought the tyres and windscreens are the more commonly damage so comes with higher risk if excluded. RENTALCOVER’s premium $180 for the 100k benefit and covers all of these so yeah, makes the comparison harder

 

[Jacques Vert]

With this TI it doesnt cover damages to tyres, windscreen etc

That's quite common.

 

[Happy Dude]

With this TI it doesnt cover damages to tyres, windscreen etc which seems odd whereas the RENTALCOVER covers all of these. I thought the tyres and windscreens are the more commonly damage so comes with higher risk if excluded. RENTALCOVER’s premium $180 for the 100k benefit and covers all of these so yeah, makes the comparison harder

Rentalcover sounds like a reasonable deal. Amex Explorer doesn't exclude much and will cover repairs if you don't purchase waiver cover. It limits cover to cars (only, pretty much - eg not campers/motorhomes) less than $100k, 31 days hire or less, plus some other relatively obscure events (eg racing)

 

[Durian]

Amex Explorer Card holder here.
Fell ill during my layover in SIN this weekend. Booked in to the Crowne Plaza Changi and sought treatment at Raffles Medical (Changi T3 Basement 2). Flew home a day later.
Put in a claim today at 2.59pm for the hotel & doctor visit. Claim was approved at 6.49pm today and money already in my account.
So, a thumbs up for Amex & Chubb.

 

[Jenya]

Does the complimentary insurance on the CC cover the excess on rental cars in the US? I noticed that on a couple of my credit cards it says in the PDS "in Australia".

Yes, just uncounted the same issue. In NAB QF reward signature card PDS it says " in Australia" and it is very confusing as down below on page 60 its actually available under international travel policy.
I called Allianz as policy is with them and they confirmed overseas rental car excess also covered with $600 excess.

 

[Jenya]

Also leaning towards complimentary CC insurance from Allianz (via NAB QF rewards signature card) due to inclusion of snow activities (on-piste skiing and snowboarding)
Comparing to BUPA policy quote, with 20% off as I am already a member it's $560 for International Plus option + further $500 for the "snow pack".
On plus side BUPA has zero excess for overseas Rental car excess, but it's still better to stick with CC complimentary TI with $600 excess and just choose Turo basic protection with $2000 excess in my case.
Confirmed over the phone policy covers Turo rentals as well.

 

[Promethius]

Pretty much all top end cards have TI comparable to paid annual multi trip.
Unless your travel outside of the normal, it should be fine; esp the Amex platinum charge card.

“Gotchas” that you might need seperate cover for- age, certain family member might need cover, skiing esp off piste, using points to travel, some domestic trips, certain sports or activities, and if you need a higher $ amount of cover.
For all these just check the pds as many CC will cover them.

Otherwise most of the time CC cover is great. I’d use it more but I’m exhausting a bunch of points and aren’t always covered

I believe that to get the TI with Amex you need to charge all the travel expenses (airlines, accommodation etc on your Amex card and also book through American Express travel. That's what the policy was last time I enquired about using it. It may have changed since then.

 

[MEL_Traveller]

I believe that to get the TI with Amex you need to charge all the travel expenses (airlines, accommodation etc on your Amex card and also book through American Express travel. That's what the policy was last time I enquired about using it. It may have changed since then.

These are the qualifying requirements for the AMEX platinum charge card:

For international return trips

• You’ve paid at least the full amount of the outbound portion of your return flight or cruise using your American Express Card (or its corresponding reward points)

For domestic return trips

• You’ve paid $500 or more on accommodation, or
• You’ve paid for the full amount of the outbound portion of your return flight, cruise, bus or train using your American Express Card (or its corresponding reward points)

 

[Cynicor]

I believe that to get the TI with Amex you need to charge all the travel expenses (airlines, accommodation etc on your Amex card and also book through American Express travel. That's what the policy was last time I enquired about using it. It may have changed since then.

Better to read the pds than rely on Chinese whispers.